Co-insurance bill accounting method and device, electronic equipment and storage medium

Abstract

The embodiment of the invention provides a common insurance bill accounting method and device, electronic equipment and a storage medium, and belongs to the technical field of artificial intelligence and finance. The method comprises the following steps: in response to a common insurance bill accounting request carrying a target accounting field, carrying out claim settlement insurance policy query in a preset insurance policy data platform based on the target accounting field to obtain common insurance claim settlement insurance policy data; wherein the co-insurance claim settlement insurance policy data comprises a target insurance policy number and a target claim settlement policy number; obtaining a claim settlement record based on the target claim settlement order number, and obtaining claim settlement payment data; performing shared insurance amount calculation based on the target insurance policy number and the claim payment data to obtain shared insurance advance bill data; based on the target insurance policy number, the target claim settlement number and the co-insurance advance bill data, performing sharing record query to obtain co-insurance sharing data; and bill accounting is carried out based on the co-insurance advance bill data and the co-insurance sharing back data. According to the embodiment of the invention, errors caused by manual work can be reduced, and the accuracy of common insurance bill accounting is improved.

Description

Technical Field

[0001] The present application relates to the fields of artificial intelligence and financial technology, and in particular to a method and device for calculating co-insurance bills, an electronic device, and a storage medium. Background Art

[0002] In the financial field, co-insurance refers to multiple insurance companies jointly underwriting an insurance project or risk, with each insurance company sharing part of the insurance amount and risk. Among them, insurance companies are divided into primary insurance companies and non-primary insurance companies. In the event of a claim, the primary insurance company will first pay the compensation to the customer on behalf of the non-primary insurance company, and then ask the non-primary insurance company to recover the previously paid compensation.

[0003] At present, the co-insurance bills are mainly calculated manually. In actual application scenarios, due to the large number of co-insurance claims, manual calculation of co-insurance bills is prone to errors, thus bringing operational and regulatory risks.

[0004] Therefore, how to improve the accuracy of co-insurance bill calculation has become a technical problem that needs to be solved urgently. Summary of the invention

[0005] The main purpose of the embodiments of the present application is to propose a co-insurance bill accounting method and device, electronic device and storage medium, aiming to improve the accuracy of co-insurance bill accounting.

[0006] To achieve the above-mentioned purpose, a first aspect of an embodiment of the present application proposes a method for calculating co-insurance bills, the method comprising:

[0007] In response to a co-insurance bill settlement request carrying a target settlement field, a claim settlement policy query is performed in a preset policy data platform based on the target settlement field to obtain co-insurance claim settlement policy data; wherein the co-insurance claim settlement policy data includes a target policy number and a target claim settlement form number;

[0008] Acquire the claim record based on the target claim number to obtain the claim payment data;

[0009] Calculate the co-insurance amount based on the target policy number and the claim payment data to obtain co-insurance advance payment bill data;

[0010] Perform amortization record query based on the target policy number, the target claim number and the co-insurance advance payment bill data to obtain co-insurance amortization data;

[0011] Bill accounting is performed based on the co-insurance advance payment bill data and the co-insurance amortization data.

[0012] In some embodiments, the co-insurance bill settlement request also carries bill settlement authority, and the target settlement field includes a claim number field and an insurance policy number field; the response to the co-insurance bill settlement request carrying the target settlement field, based on the target settlement field, performs a claim settlement policy query in a preset insurance policy data platform to obtain co-insurance claim settlement policy data, including:

[0013] In response to the co-insurance bill settlement request, verifying the bill settlement authority;

[0014] If the bill accounting authority passes the authority verification, a claim policy query is performed on the policy data platform based on the claim form number field to obtain claim policy data, and an insurance order query is performed based on the insurance form number field to obtain insurance order data;

[0015] Data merging is performed based on the insurance order data and the claim settlement policy data to obtain the co-insurance claim settlement policy data.

[0016] In some embodiments, the bill accounting based on the co-insurance advance payment bill data and the co-insurance amortization data includes:

[0017] Filter out the under-amortized bill data from the co-insurance advance payment bill data according to the co-insurance amortization data;

[0018] Perform a bill query based on the co-insurance advance payment bill data and the co-insurance amortization data to obtain uninvoiced bill data;

[0019] Perform bill accounting based on the under-amortized bill data and the uninvoiced bill data to obtain a bill accounting list; wherein the bill accounting list includes co-insurance subject objects and abnormal bills;

[0020] Generate a bill reminder item based on the abnormal bill; wherein the bill reminder item is used to remind the co-insurance subject to handle the bill.

[0021] In some embodiments, the co-insurance advance payment bill data includes co-insurance advance payment sub-bill data; and filtering out under-amortized bill data from the co-insurance advance payment bill data according to the co-insurance amortization data includes:

[0022] For each of the co-insurance advance payment sub-bill data, filter out the co-insurance advance payment amount field and the sub-bill field from the co-insurance advance payment sub-bill data;

[0023] Record screening is performed on the co-insurance amortization data based on the sub-bill field to obtain target amortization data, and an actual amortization amount field is screened from the target amortization data;

[0024] The under-amortized bill data is filtered out from the co-insurance advance payment sub-bill data based on the co-insurance advance payment amount field and the actual amortized amount field.

[0025] In some embodiments, the performing of a bill query based on the co-insurance advance payment bill data and the co-insurance amortization data to obtain the uninvoiced bill data includes:

[0026] For each of the co-insurance advance payment sub-bill data, query the preset amortization notice data platform based on the sub-bill field to obtain a target amortization notice; wherein the target amortization notice carries a field for receiving the amortization amount;

[0027] The uninvoiced bill data is filtered out from the co-insurance advance payment sub-bill data based on the received amortization amount field and the actual amortization amount field.

[0028] In some embodiments, after performing bill accounting based on the co-insurance advance payment bill data and the co-insurance amortization data, the method further includes:

[0029] Obtaining the actual total amount collected from the co-insurance amortization data;

[0030] Based on the under-amortized bill data and the uninvoiced bill data, the amount is calculated to obtain the actual total amount receivable;

[0031] Obtaining a target total amount actually collected and a target total amount receivable from the co-insurance advance payment bill data;

[0032] If the actual total amount collected is not equal to the target total amount collected, or the actual total amount receivable is not equal to the target total amount receivable, a policy error prompt message is generated.

[0033] In some embodiments, the co-insurance amount is calculated based on the target policy number and the claim payment data to obtain the co-insurance advance payment bill data, including:

[0034] Filtering a target co-insurance ratio field from the co-insurance claim settlement policy data according to the target policy number;

[0035] Filtering the claim payment amount field from the claim payment data;

[0036] The amount is calculated based on the target co-insurance ratio field and the claim payment amount field to obtain the co-insurance advance payment bill data.

[0037] To achieve the above-mentioned purpose, a second aspect of an embodiment of the present application provides a co-insurance bill accounting device, the device comprising:

[0038] A claim policy query module, for responding to a co-insurance bill settlement request carrying a target settlement field, and performing a claim policy query in a preset policy data platform based on the target settlement field to obtain co-insurance claim policy data; wherein the co-insurance claim policy data includes a target policy number and a target claim form number;

[0039] A claim record query module is used to obtain the claim record based on the target claim order number and obtain the claim payment data;

[0040] A co-insurance amount calculation module, used to calculate the co-insurance amount based on the target policy number and the claim payment data to obtain co-insurance advance payment bill data;

[0041] Amortization record query module, used to query the amortization record based on the target policy number, the target claim number and the co-insurance advance payment bill data to obtain the co-insurance amortization data;

[0042] A bill accounting module is used to perform bill accounting based on the co-insurance advance payment bill data and the co-insurance amortization data.

[0043] To achieve the above objectives, a third aspect of an embodiment of the present application proposes an electronic device, which includes a memory and a processor, wherein the memory stores a computer program, and when the processor executes the computer program, the method described in the first aspect is implemented.

[0044] To achieve the above-mentioned purpose, the fourth aspect of an embodiment of the present application proposes a computer-readable storage medium, wherein the computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, the method described in the first aspect is implemented.

[0045] The co-insurance bill accounting method and device, electronic device and storage medium proposed in the present application obtain co-insurance claim policy data by querying the claim policy based on the target accounting field in a preset policy data platform; wherein the co-insurance claim policy data includes the target policy number and the target claim form number; obtaining the claim record based on the target claim form number to obtain the claim payment data; calculating the co-insurance amount based on the target policy number and the claim payment data to obtain the co-insurance advance payment bill data; querying the amortization record based on the target policy number, the target claim form number and the co-insurance advance payment bill data to obtain the co-insurance amortization data; and performing bill accounting based on the co-insurance advance payment bill data and the co-insurance amortization data, which can efficiently and accurately respond to the co-insurance bill accounting needs, not only can reduce the errors caused by manual labor, but also significantly improve the accounting efficiency and improve the accuracy of co-insurance bill accounting. BRIEF DESCRIPTION OF THE DRAWINGS

[0046] Figure 1 is a flow chart of a method for calculating co-insurance bills provided in an embodiment of the present application;

[0047] Figure 2 yes Figure 1 Flow chart of step S101 in FIG.

[0048] Figure 3 yes Figure 1 Flow chart of step S103 in FIG.

[0049] Figure 4 yes Figure 1 Flow chart of step S105 in FIG.

[0050] Figure 5 yes Figure 4 Flow chart of step S401 in FIG.

[0051] Figure 6 yes Figure 4 Flow chart of step S402 in FIG.

[0052] Figure 7 is a flow chart of a method for calculating co-insurance bills provided in another embodiment of the present application;

[0053] Figure 8 It is a structural schematic diagram of a co-insurance bill accounting device provided in an embodiment of the present application;

[0054] Fig. 9 It is a schematic diagram of the hardware structure of the electronic device provided in the embodiment of the present application. DETAILED DESCRIPTION

[0055] In order to make the purpose, technical solution and advantages of the present application more clearly understood, the present application is further described in detail below in conjunction with the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are only used to explain the present application and are not used to limit the present application.

[0056] It should be noted that, although the functional modules are divided in the device schematic diagram and the logical order is shown in the flowchart, in some cases, the steps shown or described may be performed in a different order than the module division in the device or the order in the flowchart. The terms "first", "second", etc. in the specification, claims and the above drawings are used to distinguish similar objects, and are not necessarily used to describe a specific order or sequence.

[0057] Unless otherwise defined, all technical and scientific terms used herein have the same meaning as those commonly understood by those skilled in the art to which this application belongs. The terms used herein are only for the purpose of describing the embodiments of this application and are not intended to limit this application.

[0058] First, some nouns involved in this application are analyzed:

[0059] Artificial intelligence (AI) is a new technical science that studies and develops theories, methods, technologies and application systems for simulating, extending and expanding human intelligence. Artificial intelligence attempts to understand the essence of intelligence and produce a new intelligent machine that can respond in a similar way to human intelligence. Research in this field includes robotics, speech recognition, image recognition, natural language processing and expert systems.

[0060] Coinsurance, referred to as "co-insurance", refers to the insurance behavior of two or more insurers (insurance companies) jointly and directly underwriting the same insurance subject, the same insurance interest, and the same insurance liability, and the total insurance amount does not exceed the actual value of the insurance subject. The co-insurers need to jointly negotiate the insurance premium rate, insurance period, insurance liability and other terms, and when the insurance subject suffers a loss, they share the loss compensation according to their respective insurance ratios. Co-insurance can be divided into two types: co-insurance in the same place and co-insurance in different places, which is mainly divided according to whether the insurance subject is within the operating area of ​​the co-insured insurer. Co-insurance plays a significant role in expanding the scope of risk dispersion, averaging risk liability, and stabilizing insurance operations.

[0061] In the insurance industry, co-insurance amortization means that in a co-insurance project, when the insured subject suffers losses due to an insurance accident, the primary insurer (primary underwriting company) will first pay all losses. From the date of payment of the insurance compensation, the primary insurer will proportionally amortize or recover the insurance compensation from other secondary insurers (non-primary underwriting companies) who are liable for compensation for the losses.

[0062] For the main insurer, if the co-insurance bill is inaccurate or there are discrepancies in the business and financial data, on the one hand there will be business operation risks, and on the other hand it will be checked by relevant departments, bringing regulatory risks.

[0063] At present, the co-insurance claims bills, such as amortization bills and payment bills, are mainly calculated manually. However, in actual application scenarios, due to the large number of co-insurance claims cases, manual calculation of co-insurance bills is prone to errors, which brings operational and regulatory risks.

[0064] Based on this, the embodiments of the present application provide a method and device for calculating co-insurance bills, an electronic device and a storage medium, aiming to improve the accuracy of co-insurance bill calculation.

[0065] The co-insurance bill calculation method and device, electronic device and storage medium provided in the embodiments of the present application are specifically illustrated through the following embodiments. First, the co-insurance bill calculation method in the embodiments of the present application is described.

[0066] The embodiments of the present application can acquire and process relevant data based on artificial intelligence technology. Artificial Intelligence (AI) is the theory, method, technology and application system that uses digital computers or machines controlled by digital computers to simulate, extend and expand human intelligence, perceive the environment, acquire knowledge and use knowledge to obtain the best results.

[0067] AI basic technologies generally include sensors, dedicated AI chips, cloud computing, distributed storage, big data processing technology, operation / interaction systems, mechatronics, etc. AI software technologies mainly include computer vision technology, robotics technology, biometrics technology, speech processing technology, natural language processing technology, and machine learning / deep learning.

[0068] The co-insurance bill accounting method provided in the embodiment of the present application relates to the field of artificial intelligence and financial technology. The co-insurance bill accounting method provided in the embodiment of the present application can be applied to the terminal, can also be applied to the server side, and can also be software running in the terminal or the server side. In some embodiments, the terminal can be a smart phone, a tablet computer, a laptop computer, a desktop computer, etc.; the server side can be configured as an independent physical server, or it can be configured as a server cluster or distributed system composed of multiple physical servers, and can also be configured as a cloud server that provides basic cloud computing services such as cloud services, cloud databases, cloud computing, cloud functions, cloud storage, network services, cloud communications, middleware services, domain name services, security services, CDN, and big data and artificial intelligence platforms; the software can be an application that implements the co-insurance bill accounting method, etc., but is not limited to the above forms.

[0069] The present application can be used in many general or special computer system environments or configurations. For example: personal computers, server computers, handheld or portable devices, tablet devices, multiprocessor systems, microprocessor-based systems, set-top boxes, programmable consumer electronics, network PCs, minicomputers, mainframe computers, distributed computing environments including any of the above systems or devices, etc. The present application can be described in the general context of computer-executable instructions executed by a computer, such as program modules. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform specific tasks or implement specific abstract data types. The present application can also be practiced in distributed computing environments, in which tasks are performed by remote processing devices connected through a communication network. In a distributed computing environment, program modules can be located in local and remote computer storage media including storage devices.

[0070] It should be noted that in each specific implementation of the present application, when it comes to the need to perform relevant processing based on data related to user identity or characteristics such as user information, user behavior data, user historical data, and user location information, the user's permission or consent will be obtained first, and the collection, use, and processing of these data will comply with relevant laws, regulations, and standards. In addition, when the embodiment of the present application needs to obtain the user's sensitive personal information, the user's separate permission or consent will be obtained through a pop-up window or by jumping to a confirmation page. After clearly obtaining the user's separate permission or consent, the necessary user-related data for the normal operation of the embodiment of the present application will be obtained.

[0071] Figure 1 is an optional flow chart of the method for calculating the co-insurance bill provided in the embodiment of the present application. Figure 1 The method may include but is not limited to steps S101 to S105.

[0072] Step S101, in response to a co-insurance bill settlement request carrying a target settlement field, a claim settlement policy query is performed in a preset policy data platform based on the target settlement field to obtain co-insurance claim settlement policy data; wherein the co-insurance claim settlement policy data includes a target policy number and a target claim settlement number;

[0073] Step S102, obtaining a claim record based on the target claim order number to obtain claim payment data;

[0074] Step S103, calculating the co-insurance amount based on the target policy number and the claim payment data to obtain co-insurance advance payment bill data;

[0075] Step S104, query the amortization record based on the target policy number, the target claim number and the co-insurance advance payment bill data to obtain the co-insurance amortization data;

[0076] Step S105, perform bill accounting based on the co-insurance advance payment bill data and the co-insurance amortization data.

[0077] Steps S101 to S105 shown in the embodiment of the present application are to obtain co-insurance claim policy data by querying the claim policy based on the target accounting field in the preset policy data platform, obtain the claim record based on the target claim order number, obtain the claim payment data, calculate the co-insurance amount based on the target policy number and the claim payment data, obtain the co-insurance advance payment bill data, query the amortization record based on the target policy number, the target claim order number and the co-insurance advance payment bill data, and obtain the co-insurance amortization data; finally, bill accounting is performed based on the co-insurance advance payment bill data and the co-insurance amortization data, which can efficiently and accurately respond to the co-insurance bill accounting needs, not only can reduce the errors caused by manual work, but also significantly improve the accounting efficiency, and effectively support the transparent management and risk control of the co-insurance business.

[0078] It should be noted that the co-insurance bill accounting request can be initiated by the accounting personnel according to business needs, or it can be initiated on a scheduled basis through a scheduled task, thereby realizing the automation of co-insurance bill accounting.

[0079] The policy data platform is used to store policy-related information, including but not limited to: insurance order data (sole insurance, joint insurance), claim policy data (sole insurance, joint insurance), etc. Among them, sole insurance refers to insurance items underwritten by only one insurer.

[0080] In some embodiments, the co-insurance bill settlement request carries a target settlement field and bill settlement permissions, wherein the target settlement field is used to filter out the co-insurance bills that need to be settled in the preset policy data platform, and the bill settlement permissions are used to ensure that only authorized users / behaviors can access the policy data platform, thereby ensuring the security of the policy data.

[0081] Specifically, the target accounting fields include a claim form number field and an insurance form number field;

[0082] See also Figure 2 In some embodiments, step S101 may include but is not limited to steps S201 to S203:

[0083] Step S201, in response to the co-insurance bill settlement request, verify the bill settlement authority;

[0084] Step S202: If the bill accounting authority passes the authority verification, a claim policy query is performed on the policy data platform based on the claim form number field to obtain claim policy data, and an insurance order query is performed based on the insurance form number field to obtain insurance order data;

[0085] Step S203, merging the insurance order data and the claim policy data to obtain co-insurance claim policy data.

[0086] In steps S201 to S203 shown in the embodiment of the present application, the authority for statement accounting is verified, and reading and query operations can only be performed after passing the authority verification, thereby ensuring data security; based on the claim number field, a claim policy query is performed on the insurance policy data platform to obtain the claim policy data, and based on the insurance order number field, an insurance order query is performed to obtain the insurance order data, and data is merged based on the insurance order data and the claim policy data to obtain the co-insurance claim policy data, thereby achieving targeted data extraction, enhancing the comprehensiveness and relevance of the data, facilitating the subsequent co-insurance bill accounting, and effectively improving the accuracy and efficiency of the accounting.

[0087] In some embodiments, the insurance policy data platform may be a database established based on the Hadoop architecture, and data management may be performed through the Hive tool. Therefore, a query statement (HiveQL) may be generated based on the claim form number field and the insurance form number field, and data query may be performed in the Hive tool to obtain the claim form data and the insurance form data.

[0088] In step S203 of some embodiments, data is merged based on a common field in the insurance order data and the claim policy data to obtain co-insurance claim policy data.

[0089] For example, there is also an insurance policy number field in the claim policy data. Therefore, the insurance order data and the claim policy data can be merged based on the insurance policy number field.

[0090] In some embodiments, the claim policy data may include, but are not limited to, fields such as target policy number, target claim number, subject matter of insurance, date of claim occurrence, reason for claim, claim payment amount, claim settlement plan, and claim settlement stage;

[0091] The insurance order data may include, but are not limited to, target policy number, subject of insurance, co-insurance subject, insurance amount, insurance duration, compensation plan, co-insurance ratio and other fields;

[0092] The co-insurance claim policy data obtained by merging the insurance order data and the claim policy data includes: target policy number, target claim policy number, insurance subject, co-insurance subject, insurance amount, insurance duration, compensation plan, co-insurance ratio, claim occurrence date, claim reason, claim compensation amount, claim processing plan, claim processing stage and other fields;

[0093] It should be noted that the co-insurance entities include the primary insurer and the sub-insurer, and the co-insurance bill accounting mainly involves the billing transactions between the primary insurer and one or more sub-insurers.

[0094] In step S102 of some embodiments, a claim record query is performed on a preset bill record data platform based on the target claim order number to obtain claim payment data;

[0095] Among them, the claim payment data is a record of the primary insurer's payment to the insurance subject, wherein the claim payment data includes but is not limited to: target claim number, claim payment amount, claim payment time, claim payment method and other fields.

[0096] The preset billing record data platform is the same platform as the insurance policy data platform. The difference lies in the data stored. The billing record data platform is used to store transaction-related data, including but not limited to: claims payment data, co-insurance amortization data, etc., but not limited to this.

[0097] See also Figure 3 In some embodiments, step S103 may include but is not limited to steps S301 to S303:

[0098] Step S301, filtering out a target co-insurance ratio field from co-insurance claim settlement policy data according to a target policy number;

[0099] Step S302, filtering out the claim payment amount field from the claim payment data;

[0100] Step S303, calculate the amount based on the target co-insurance ratio field and the claim payment amount field to obtain the co-insurance advance payment bill data.

[0101] Steps S301 to S303 shown in the embodiment of the present application, by filtering out the target co-insurance ratio field from the co-insurance claim policy data according to the target policy number, and filtering out the claim payment amount field from the claim payment data, and then calculating the amount based on the target co-insurance ratio field and the claim payment amount field, thereby accurately calculating the amount that each co-insured entity should advance in the claim event, that is, the co-insurance advance payment bill data, providing a reliable basis for settlement between the co-insured entity objects.

[0102] In some embodiments, for each co-insurance subject object, the target co-insurance ratio field corresponding to the co-insurance subject object is filtered out from the co-insurance claim policy data according to the target policy number, and the claim payment amount field is filtered out from the claim payment data, and the amount is calculated based on the target co-insurance ratio field and the claim payment amount field, so as to obtain the co-insurance advance payment bill data corresponding to each co-insurance subject object.

[0103] It should be noted that the co-insurance advance payment bill data is the bill formed by the primary insurer requesting other sub-insurers to share back the claim amount.

[0104] In some embodiments, step S303 includes but is not limited to the following steps:

[0105] Multiply the target co-insurance ratio field and the claim payment amount field to obtain the co-insurance advance payment amount field, that is:

[0106] Coinsurance advance payment amount field = target coinsurance ratio field * claim payment amount field;

[0107] Combine the target policy number, co-insurance subject object, claim payment amount, target co-insurance ratio, co-insurance advance payment amount, advance payment bill number and other fields to form co-insurance advance payment bill data;

[0108] That is, the co-insurance advance payment bill data includes but is not limited to: target policy number, co-insurance subject object, claim payment amount, target co-insurance ratio, co-insurance advance payment amount, advance payment bill number and other fields.

[0109] It can be understood that each co-insurance subject object has corresponding co-insurance advance payment bill data, that is, the number of co-insurance advance payment bill data is multiple. Therefore, the co-insurance advance payment bill data corresponding to each co-insurance subject object can be called co-insurance advance payment sub-bill data, that is, the co-insurance advance payment bill data contains multiple co-insurance advance payment sub-bill data.

[0110] Each co-insurance advance payment sub-bill data includes but is not limited to: target policy number, co-insurance subject object, claim payment amount, target co-insurance ratio, co-insurance advance payment amount, sub-bill and other fields. Among them, the sub-bill field in the co-insurance advance payment sub-bill data is used to represent the unique code of the co-insurance advance payment sub-bill, which corresponds to the advance payment bill number field in the co-insurance advance payment bill data.

[0111] In step S104 of some embodiments, a backfill record query is performed on a preset bill record data platform based on the target policy number, the target claim settlement number and the advance payment bill number in the co-insurance advance payment bill data to obtain the co-insurance backfill data;

[0112] It should be noted that the co-insurance amortization record is the bill formed by other sub-insurers amortizing the claim amount to the primary insurer, which is income for the primary insurer. Therefore, there are multiple co-insurance amortization data.

[0113] In some embodiments, the co-insurance amortization data includes but is not limited to fields such as the co-insurance subject object, target policy number, advance payment bill number, actual amortization amount, etc.

[0114] See also Figure 4 In some embodiments, step S105 may include but is not limited to steps S401 to S404:

[0115] Step S401, filtering out under-amortized bill data from the co-insurance advance payment bill data according to the co-insurance amortization data;

[0116] Step S402, querying bills based on the co-insurance advance payment bill data and co-insurance amortization data to obtain uninvoiced bill data;

[0117] Step S403, performing bill accounting based on the under-amortized bill data and the uninvoiced bill data to obtain a bill accounting list; wherein the bill accounting list includes co-insurance subject objects and abnormal bills;

[0118] Step S404, generating bill reminder items based on the abnormal bill; wherein the bill reminder items are used to remind the co-insured subject to handle the bill.

[0119] Steps S401 to S404 shown in the embodiment of the present application screen out under-amortized bill data from the co-insurance advance payment bill data based on the co-insurance amortization data, and perform invoice query based on the co-insurance advance payment bill data and the co-insurance amortization data to obtain uninvoiced bill data. By combining the under-amortized bill data and the uninvoiced bill data, anomalies in the co-insurance bills can be accurately identified, and then the bill follow-up matters generated based on the abnormal bills can be targetedly urged to the relevant co-insurance subjects, thereby promoting the timeliness and efficiency of bill processing and maintaining the normal operation of the co-insurance business and the stability of the cooperative relationship.

[0120] See also Figure 5 In some embodiments, step S401 may also include but is not limited to steps S501 to S503:

[0121] Step S501, for each co-insurance advance payment sub-bill data, filter out the co-insurance advance payment amount field and the sub-bill field from the co-insurance advance payment sub-bill data;

[0122] Step S502, recording and filtering the co-insurance amortization data based on the sub-bill fields to obtain target amortization data, and filtering out the actual amortization amount field from the target amortization data;

[0123] Step S503, based on the co-insurance advance payment amount field and the actual amortization amount field, filter out the under-amortization bill data from the co-insurance advance payment sub-bill data.

[0124] Steps S501 to S503 shown in the embodiment of the present application, for each co-insurance advance payment sub-bill data, filter out the co-insurance advance payment amount field and the sub-bill field from the co-insurance advance payment sub-bill data, record and filter the co-insurance amortization data based on the sub-bill field to obtain target amortization data, and filter out the actual amortization amount field from the target amortization data; by comparing the co-insurance advance payment amount field with the actual amortization amount field, it is possible to accurately identify billing data that has not been fully amortized, thereby improving the accuracy of bill accounting, and facilitating timely follow-up and handling of situations where the amount of amortization is not fully amortized.

[0125] For each sub-bill data of co-insurance advance payment, the sub-bill data of co-insurance advance payment is filtered by fields to obtain the co-insurance advance payment amount field and the sub-bill field;

[0126] Among them, the co-insurance advance payment amount field is used to represent the claim amount that needs to be amortized by the co-insured entity.

[0127] In step S502 of some embodiments, a record is screened in a plurality of co-insurance amortization data based on the sub-bill field to obtain target amortization data corresponding to the co-insurance advance payment sub-bill, and an actual amortization amount field is screened from the target amortization data;

[0128] It should be noted that the actual recovered amount field is the amount of claims actually recovered by other sub-insurers to the primary insurer.

[0129] It should be noted that the inadequately amortized bill data indicates that the co-insured subject has not amortized according to the co-insurance advance payment amount in the co-insurance advance payment bill data, including two situations:

[0130] The first case: no amortization at all, that is, the value corresponding to the actual amortization amount field is equal to 0;

[0131] The second situation: only the amortized part is recovered, that is, the value corresponding to the actual amortized amount field is greater than 0 and less than the value corresponding to the co-insurance advance payment amount field.

[0132] In some embodiments, step S503 may include but is not limited to the following steps:

[0133] Compare the value corresponding to the Coinsurance Advance Amount field with the value corresponding to the Actual Amortization Amount field;

[0134] If the value corresponding to the actual amortization amount field is less than the value corresponding to the co-insurance advance payment amount field, the co-insurance advance payment sub-bill will be confirmed as under-amortized bill data.

[0135] See also Figure 6 In some embodiments, step S402 includes but is not limited to steps S601 to S602:

[0136] Step S601: for each sub-bill data of co-insurance advance payment, query the preset amortization notice data platform based on the sub-bill field to obtain the target amortization notice; wherein the target amortization notice carries a field for receiving amortization amount;

[0137] Step S602, based on the received amortization amount field and the actual amortization amount field, filter out the uninvoiced bill data from the co-insurance advance payment sub-bill data.

[0138] In steps S601 to S602 shown in the embodiment of the present application, for each co-insurance advance payment sub-bill data, a query is performed on a preset amortization notice data platform based on the sub-bill field to obtain a target amortization notice; wherein the target amortization notice carries a received amortization amount field; based on the received amortization amount field and the actual amortization amount field, uninvoiced bill data is screened out from the co-insurance advance payment sub-bill data, which can improve the accuracy and efficiency of data processing, avoid human errors and omissions, and thus ensure the timeliness and accuracy of bill settlement.

[0139] It should be noted that the amortization notice is a receipt that is fed back to the co-insured entity when the amortization amount is received from the co-insured entity, which can be understood as a receipt.

[0140] In some embodiments, the target amortization notice includes but is not limited to fields such as target policy number, co-insured entity object, advance payment bill number, received amortization amount, amortization notice number, etc.

[0141] In some embodiments, step S602 may include but is not limited to the following steps:

[0142] The value corresponding to the received amortization amount field is compared with the value corresponding to the actual amortization amount field;

[0143] If the value corresponding to the received amortization amount field is different from the value corresponding to the actual amortization amount field, the co-insurance advance payment sub-bill data will be confirmed as uninvoiced bill data.

[0144] It should be noted that the uninvoiced bill data includes two situations:

[0145] The first case: No invoice has been issued at all, that is, the corresponding target amortization notice cannot be found, so the value corresponding to the Received Amortization Amount field is empty;

[0146] The second situation: invoicing error, that is, the value corresponding to the received amortization amount field is not equal to the value corresponding to the co-insurance advance payment amount field.

[0147] It should be noted that if uninvoiced billing data occurs in the above two situations, it will lead to inaccurate billing records, affect the calculation and settlement of co-insurance bills, and may affect the normal cooperation between various underwriters, bringing business operation risks.

[0148] In some embodiments, step S403 may include but is not limited to the following steps:

[0149] De-duplicate the under-amortized bill data and un-invoiced bill data according to the target policy number to obtain the target accounting bill data;

[0150] Generate a bill accounting list based on the target accounting bill data, wherein the bill accounting list includes co-insurance subject objects and abnormal bills.

[0151] It should be noted that the abnormal bill corresponds to the co-insurance advance payment sub-bill data.

[0152] In step S404 of some embodiments, abnormal bills can be sent to the co-insured entity by computer program to urge the bill to be processed. The abnormal bills can also be calculated and confirmed by accounting personnel. If errors occur, they are modified. If the co-insured entity has not recovered, collection is carried out. The present invention is not limited to this and the specific selection needs to be made in combination with the actual application scenario.

[0153] See also Figure 7 In some embodiments, after step S105, the co-insurance bill calculation method may include but is not limited to steps S701 to S704:

[0154] Step S701, obtaining the actual total amount collected from the co-insurance amortization data;

[0155] Step S702, calculating the amount based on the under-amortized bill data and the uninvoiced bill data to obtain the actual total amount receivable;

[0156] Step S703, obtaining the target total amount actually collected and the target total amount receivable from the co-insurance advance payment bill data;

[0157] Step S704: If the actual total amount collected is not equal to the target total amount collected, or the actual total amount receivable is not equal to the target total amount receivable, a policy error prompt message is generated.

[0158] Steps S701 to S704 shown in the embodiment of the present application obtain the actual total amount collected from the co-insurance amortization data, calculate the amount based on the under-amortized bill data and the uninvoiced bill data, obtain the actual total amount receivable, and compare it with the corresponding target total amount collected and target total amount receivable in the co-insurance advance payment bill data. This can promptly identify data differences and avoid omissions or errors that may be caused by human factors. Once it is found that the actual data does not match the target data, an insurance policy error prompt message is immediately generated to notify the accounting personnel in time for processing, thereby ensuring the accurate accounting of the co-insurance bills and maintaining the accuracy of financial data and the stability of business operations.

[0159] It should be noted that the review process indicated by steps S701 to S704 is a consistency check process for business and financial data (whether the data in the business system is consistent with that in the financial system). As operating entities in the financial field, business and financial data must be regularly reported to relevant departments for regulatory review. If the business and financial data are inconsistent, there will be a regulatory risk of being warned in writing.

[0160] In step S701 of some embodiments, for each co-insurance amortization data, the bills whose values ​​corresponding to the co-insurance advance payment amount field and the actual amortization amount field are the same, and whose values ​​corresponding to the received amortization amount field and the actual amortization amount field are the same are screened out to obtain target bill data; wherein the target bill data is a bill that has been fully amortized and invoiced.

[0161] The values ​​corresponding to the actual amortization amount field in the target bill data are accumulated and counted to obtain the actual total amount collected;

[0162] In step S702 of some embodiments, the under-amortized bill data and the uninvoiced bill data are deduplicated according to the target policy number, and the values ​​corresponding to the co-insurance advance payment amount field in the deduplicated bill data are accumulated and counted to obtain the actual total amount receivable;

[0163] It should be noted that the actual total amount collected and the actual total amount receivable are billing data in the business system.

[0164] In step S703 of some embodiments, the co-insurance advance payment sub-bill data corresponding to the target bill data are screened out from the co-insurance advance payment bill data, and the values ​​corresponding to the co-insurance advance payment amount fields in these co-insurance advance payment sub-bill data are accumulated and counted to obtain the target total amount actually collected;

[0165] Filter out the co-insurance advance payment sub-bill data corresponding to the under-amortized bill data from the co-insurance advance payment bill data, and filter out the co-insurance advance payment sub-bill data corresponding to the uninvoiced amortized bill data from the co-insurance advance payment bill data, deduplicate all the filtered co-insurance advance payment sub-bill data, and add up the values ​​corresponding to the co-insurance advance payment amount fields in the deduplicated co-insurance advance payment sub-bill data to obtain the target total receivables amount.

[0166] It should be noted that the target total amount actually collected and the target total amount receivable are billing data in the financial system.

[0167] In some embodiments, step S704 may include but is not limited to the following steps:

[0168] Compare the actual total amount collected with the target total amount collected, and compare the actual total amount receivable with the target total amount receivable;

[0169] If the actual total amount collected is not equal to the target total amount collected, or the actual total amount receivable is not equal to the target total amount receivable, a policy error prompt message will be generated.

[0170] Specifically, if the actual total amount collected is greater than the target total amount collected, or the actual total amount receivable is greater than the target total amount receivable, it means that the billing data generated by the financial system may be abnormal, such as the failure to generate co-insurance amortization data for the policy, omissions in the statistics of claims policy data, etc. Therefore, it is necessary to generate policy error information to prompt the accounting personnel in the financial system to confirm.

[0171] If the actual total amount collected is less than the target total amount collected, or the actual total amount receivable is less than the target total amount receivable, it means that the billing data generated by the business system may be abnormal, such as errors in the statistics of claim policy data. Therefore, it is necessary to generate policy error information to prompt the accounting personnel in the business system to confirm.

[0172] In some embodiments, after step S105, the co-insurance bill calculation method further includes:

[0173] Obtain the actual policy accounting quantity;

[0174] Calculate the ratio between the actual policy accounting quantity and the preset target policy accounting data to obtain the policy accounting task progress;

[0175] If the progress of the policy settlement task is lower than the preset progress threshold, settlement exception information will be generated.

[0176] Through the specific implementation method illustrated in the above embodiment, it is possible to detect abnormal situations in the co-insurance bill accounting process, which may be a failure in obtaining policy data or an abnormality in the data processing process. Therefore, the accounting abnormality information is used to prompt developers / accounting personnel to check, thereby playing a monitoring and early warning role.

[0177] It should be noted that the preset target policy accounting data is obtained by statistics based on the number of historical policies. For example, the monthly average number of policies can be used as the target policy accounting data, or the quarterly average number of policies can be used as the target policy accounting data, but it is not limited to this.

[0178] It should be noted that the preset progress threshold can be set to 50% or 60%, and specifically, it needs to be set in combination with the actual application scenario.

[0179] In some embodiments, the co-insurance bill accounting method provided in the embodiments of the present application is applied to a big data platform, for example, implemented under the Hadoop architecture, and data management is performed through the Hi ve tool, which can realize full data calculation and avoid computing terminals due to resource scheduling failures. While improving the efficiency of co-insurance bill accounting, it can accurately read and process co-insurance bill data, thereby improving the accuracy of co-insurance bill accounting.

[0180] In addition, the co-insurance bill accounting can be automated by setting up scheduled tasks, which improves the efficiency of co-insurance bill accounting, reduces errors caused by manual labor, and thus avoids operational and regulatory risks.

[0181] See also Figure 8 The present application also provides a co-insurance bill calculation device, which can implement the above co-insurance bill calculation method, and the device includes:

[0182] The claim policy query module 801 is used to respond to the co-insurance bill calculation request carrying the target calculation field, perform a claim policy query in a preset policy data platform based on the target calculation field, and obtain the co-insurance claim policy data; wherein the co-insurance claim policy data includes the target policy number and the target claim form number;

[0183] The claim record query module 802 is used to obtain the claim record based on the target claim order number and obtain the claim payment data;

[0184] The co-insurance amount calculation module 803 is used to calculate the co-insurance amount based on the target policy number and the claim payment data to obtain the co-insurance advance payment bill data;

[0185] Amortization record query module 804 is used to query the amortization record based on the target policy number, the target claim number and the co-insurance advance payment bill data to obtain the co-insurance amortization data;

[0186] The bill accounting module 805 is used to perform bill accounting based on the co-insurance advance payment bill data and the co-insurance amortization data.

[0187] The specific implementation of the co-insurance bill accounting device is basically the same as the specific implementation example of the above-mentioned co-insurance bill accounting method, and will not be repeated here.

[0188] The embodiment of the present application also provides an electronic device, the electronic device includes a memory and a processor, the memory stores a computer program, and the processor implements the above-mentioned co-insurance bill calculation method when executing the computer program. The electronic device can be any smart terminal including a tablet computer, a car computer, etc.

[0189] See also Fig. 9 , Fig. 9 The hardware structure of an electronic device of another embodiment is illustrated, and the electronic device includes:

[0190] The processor 901 may be implemented by a general-purpose CPU (Central Processing Unit), a microprocessor, an application-specific integrated circuit (ASIC), or one or more integrated circuits, and is used to execute relevant programs to implement the technical solutions provided in the embodiments of the present application;

[0191] The memory 902 can be implemented in the form of a read-only memory (ROM), a static storage device, a dynamic storage device, or a random access memory (RAM). The memory 902 can store an operating system and other application programs. When the technical solution provided in the embodiment of this specification is implemented by software or firmware, the relevant program code is stored in the memory 902, and the processor 901 calls and executes the co-insurance bill accounting method of the embodiment of this application;

[0192] Input / output interface 903, used to implement information input and output;

[0193] Communication interface 904, used to realize communication interaction between the device and other devices, which can be realized through wired mode (such as USB, network cable, etc.) or wireless mode (such as mobile network, WI FI, Bluetooth, etc.);

[0194] A bus 905 that transmits information between various components of the device (e.g., the processor 901, the memory 902, the input / output interface 903, and the communication interface 904);

[0195] The processor 901 , the memory 902 , the input / output interface 903 and the communication interface 904 are connected to each other in communication within the device via a bus 905 .

[0196] An embodiment of the present application also provides a computer-readable storage medium, which stores a computer program. When the computer program is executed by a processor, the above-mentioned co-insurance bill accounting method is implemented.

[0197] The memory, as a non-transient computer-readable storage medium, can be used to store non-transient software programs and non-transient computer executable programs. In addition, the memory may include a high-speed random access memory, and may also include a non-transient memory, such as at least one disk storage device, a flash memory device, or other non-transient solid-state storage device. In some embodiments, the memory may optionally include a memory remotely disposed relative to the processor, and these remote memories may be connected to the processor via a network. Examples of the above-mentioned network include, but are not limited to, the Internet, an intranet, a local area network, a mobile communication network, and combinations thereof.

[0198] The co-insurance bill accounting method and device, electronic device and storage medium provided in the embodiments of the present application obtain co-insurance claim policy data by querying the claim policy based on the target accounting field in a preset policy data platform; wherein the co-insurance claim policy data includes a target policy number and a target claim sheet number; obtaining the claim record based on the target claim sheet number to obtain the claim payment data; calculating the co-insurance amount based on the target policy number and the claim payment data to obtain the co-insurance advance payment bill data; querying the amortization record based on the target policy number, the target claim sheet number and the co-insurance advance payment bill to obtain the co-insurance amortization data; and performing bill accounting based on the co-insurance advance payment bill data and the co-insurance amortization data, which can efficiently and accurately respond to the co-insurance bill accounting needs, not only can reduce the errors caused by manual labor, but also significantly improve the accounting efficiency and improve the accuracy of co-insurance bill accounting.

[0199] The embodiments described in the embodiments of the present application are intended to more clearly illustrate the technical solutions of the embodiments of the present application and do not constitute a limitation on the technical solutions provided in the embodiments of the present application. Those skilled in the art will appreciate that with the evolution of technology and the emergence of new application scenarios, the technical solutions provided in the embodiments of the present application are also applicable to similar technical problems.

[0200] Those skilled in the art will appreciate that the technical solutions shown in the figures do not constitute a limitation on the embodiments of the present application, and may include more or fewer steps than shown in the figures, or a combination of certain steps, or different steps.

[0201] The device embodiments described above are merely illustrative, and the units described as separate components may or may not be physically separated, that is, they may be located in one place or distributed on multiple network units. Some or all of the modules may be selected according to actual needs to achieve the purpose of the solution of this embodiment.

[0202] Those skilled in the art will appreciate that all or some of the steps in the methods disclosed above, and the functional modules / units in the systems and devices may be implemented as software, firmware, hardware, or a suitable combination thereof.

[0203] The terms "first", "second", "third", "fourth", etc. (if any) in the specification of the present application and the above-mentioned drawings are used to distinguish similar objects, and are not necessarily used to describe a specific order or sequence. It should be understood that the data used in this way can be interchangeable where appropriate, so that the embodiments of the present application described herein can be implemented in an order other than those illustrated or described herein. In addition, the terms "including" and "having" and any of their variations are intended to cover non-exclusive inclusions, for example, a process, method, system, product or device comprising a series of steps or units is not necessarily limited to those steps or units clearly listed, but may include other steps or units that are not clearly listed or inherent to these processes, methods, products or devices.

[0204] It should be understood that in the present application, "at least one (item)" means one or more, and "plurality" means two or more. "And / or" is used to describe the association relationship of associated objects, indicating that three relationships may exist. For example, "A and / or B" can mean: only A exists, only B exists, and A and B exist at the same time, where A and B can be singular or plural. The character " / " generally indicates that the objects associated before and after are in an "or" relationship. "At least one of the following" or similar expressions refers to any combination of these items, including any combination of single or plural items. For example, at least one of a, b or c can mean: a, b, c, "a and b", "a and c", "b and c", or "a and b and c", where a, b, c can be single or multiple.

[0205] In the several embodiments provided in the present application, it should be understood that the disclosed devices and methods can be implemented in other ways. For example, the device embodiments described above are only schematic. For example, the division of the above units is only a logical function division. There may be other division methods in actual implementation, such as multiple units or components can be combined or integrated into another system, or some features can be ignored or not executed. Another point is that the mutual coupling or direct coupling or communication connection shown or discussed can be through some interfaces, indirect coupling or communication connection of devices or units, which can be electrical, mechanical or other forms.

[0206] The units described above as separate components may or may not be physically separated, and the components shown as units may or may not be physical units, that is, they may be located in one place or distributed on multiple network units. Some or all of the units may be selected according to actual needs to achieve the purpose of the solution of this embodiment.

[0207] In addition, each functional unit in each embodiment of the present application may be integrated into one processing unit, or each unit may exist physically separately, or two or more units may be integrated into one unit. The above-mentioned integrated unit may be implemented in the form of hardware or in the form of software functional units.

[0208] If the integrated unit is implemented in the form of a software functional unit and sold or used as an independent product, it can be stored in a computer-readable storage medium. Based on this understanding, the technical solution of the present application is essentially or the part that contributes to the prior art or all or part of the technical solution can be embodied in the form of a software product, and the computer software product is stored in a storage medium, including multiple instructions to enable a computer device (which can be a personal computer, server, or network device, etc.) to execute all or part of the steps of the methods of various embodiments of the present application. The aforementioned storage medium includes: U disk, mobile hard disk, read-only memory (Read-Only Memory, referred to as ROM), random access memory (Random Access Memory, referred to as RAM), disk or optical disk and other media that can store programs.

[0209] The preferred embodiments of the present invention are described above with reference to the accompanying drawings, but the scope of the rights of the present invention is not limited thereto. Any modification, equivalent substitution and improvement made by a person skilled in the art without departing from the scope and essence of the present invention should be within the scope of the rights of the present invention.

Claims

1. A method for calculating co-insurance bills, characterized in that: The method comprises: In response to a co-insurance bill settlement request carrying a target settlement field, a claim settlement policy query is performed in a preset policy data platform based on the target settlement field to obtain co-insurance claim settlement policy data; wherein the co-insurance claim settlement policy data includes a target policy number and a target claim settlement form number; Acquire the claim record based on the target claim number to obtain the claim payment data; Calculate the co-insurance amount based on the target policy number and the claim payment data to obtain co-insurance advance payment bill data; Perform amortization record query based on the target policy number, the target claim number and the co-insurance advance payment bill data to obtain co-insurance amortization data; Bill accounting is performed based on the co-insurance advance payment bill data and the co-insurance amortization data.

2. The method according to claim 1, characterized in that The co-insurance bill settlement request also carries bill settlement authority, and the target settlement field includes a claim number field and an insurance policy number field; the response to the co-insurance bill settlement request carrying the target settlement field is to query a claim settlement policy in a preset insurance policy data platform based on the target settlement field to obtain co-insurance claim settlement policy data, including: In response to the co-insurance bill settlement request, verifying the bill settlement authority; If the bill accounting authority passes the authority verification, a claim policy query is performed on the policy data platform based on the claim form number field to obtain claim policy data, and an insurance order query is performed based on the insurance form number field to obtain insurance order data; Data merging is performed based on the insurance order data and the claim settlement policy data to obtain the co-insurance claim settlement policy data.

3. The method according to claim 1, characterized in that The bill accounting based on the co-insurance advance payment bill data and the co-insurance amortization data includes: Filter out the under-amortized bill data from the co-insurance advance payment bill data according to the co-insurance amortization data; Perform a bill query based on the co-insurance advance payment bill data and the co-insurance amortization data to obtain uninvoiced bill data; Perform bill accounting based on the under-amortized bill data and the uninvoiced bill data to obtain a bill accounting list; wherein the bill accounting list includes co-insurance subject objects and abnormal bills; Generate a bill reminder item based on the abnormal bill; wherein the bill reminder item is used to remind the co-insurance subject to handle the bill.

4. The method according to claim 3, characterized in that The co-insurance advance payment bill data includes co-insurance advance payment sub-bill data; and the under-amortization bill data is screened out from the co-insurance advance payment bill data according to the co-insurance amortization data, including: For each of the co-insurance advance payment sub-bill data, filter out the co-insurance advance payment amount field and the sub-bill field from the co-insurance advance payment sub-bill data; Record screening is performed on the co-insurance amortization data based on the sub-bill field to obtain target amortization data, and an actual amortization amount field is screened from the target amortization data; The under-amortized bill data is filtered out from the co-insurance advance payment sub-bill data based on the co-insurance advance payment amount field and the actual amortized amount field.

5. The method according to claim 4, characterized in that The invoice query based on the co-insurance advance payment bill data and the co-insurance amortization data to obtain the uninvoiced bill data includes: For each of the co-insurance advance payment sub-bill data, query the preset amortization notice data platform based on the sub-bill field to obtain a target amortization notice; wherein the target amortization notice carries a field for receiving the amortization amount; The uninvoiced bill data is filtered out from the co-insurance advance payment sub-bill data based on the received amortization amount field and the actual amortization amount field.

6. The method according to claim 4, characterized in that After performing bill accounting based on the co-insurance advance payment bill data and the co-insurance amortization data, the method further includes: Obtaining the actual total amount collected from the co-insurance amortization data; Based on the under-amortized bill data and the uninvoiced bill data, the amount is calculated to obtain the actual total amount receivable; Obtaining a target total amount actually collected and a target total amount receivable from the co-insurance advance payment bill data; If the actual total amount collected is not equal to the target total amount collected, or the actual total amount receivable is not equal to the target total amount receivable, a policy error prompt message is generated.

7. The method according to any one of claims 1 to 6, characterized in that: The co-insurance amount calculation based on the target policy number and the claim settlement and payment data to obtain co-insurance advance payment bill data includes: Filtering a target co-insurance ratio field from the co-insurance claim settlement policy data according to the target policy number; Filtering the claim payment amount field from the claim payment data; The amount is calculated based on the target co-insurance ratio field and the claim payment amount field to obtain the co-insurance advance payment bill data.

8. A co-insurance bill calculation device, characterized in that: The device comprises: A claim policy query module, for responding to a co-insurance bill settlement request carrying a target settlement field, and performing a claim policy query in a preset policy data platform based on the target settlement field to obtain co-insurance claim policy data; wherein the co-insurance claim policy data includes a target policy number and a target claim form number; A claim record query module is used to obtain the claim record based on the target claim order number and obtain the claim payment data; A co-insurance amount calculation module, used to calculate the co-insurance amount based on the target policy number and the claim payment data to obtain co-insurance advance payment bill data; Amortization record query module, used to query the amortization record based on the target policy number, the target claim number and the co-insurance advance payment bill data to obtain the co-insurance amortization data; A bill accounting module is used to perform bill accounting based on the co-insurance advance payment bill data and the co-insurance amortization data.

9. An electronic device, characterized in that: The electronic device comprises a memory and a processor, the memory stores a computer program, and the processor implements the method according to any one of claims 1 to 7 when executing the computer program.

10. A computer-readable storage medium storing a computer program, characterized in that: When the computer program is executed by a processor, the method according to any one of claims 1 to 7 is implemented.

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