Policy Status Update Method and Device

Abstract

The present disclosure provides a method and apparatus for updating a policy status. The method includes: obtaining a target policy, and determining a directed sub-graph of policy status matching the business type from a directed graph of policy status according to the business type to which the target policy belongs; querying the directed sub-graph of policy status according to the current policy status of the target policy to determine a first target node of the current policy status in the directed sub-graph of policy status; in response to a first target operation triggered on the target policy, determining a first target directed edge from at least one first candidate directed edge in the directed sub-graph of policy status; updating the current policy status to the policy status indicated by a second target node pointed to by the first target directed edge. Thus, accurate update of the policy status can be achieved to avoid conflicts or errors in policy status updates between different policy business systems, and moreover, there is no need for manual coordination to update the policy status, reducing the labor cost.

Description

Technical Field

[0001] The present disclosure relates to the field of big data intelligent analysis, and particularly to a method and device for updating the policy status. Background Art

[0002] The policy status refers to the existence status of a policy. The policy status can reflect different stages and states of the policy. For an insurance company, the policy status can help it manage policies. For an applicant, the policy status can reflect the protection situation of the policy and the service level of the insurance company. Since the policy status corresponding to different stages of the policy is different, according to the stage where the policy is located, it is necessary to update the policy status in a timely manner. Through the update of the policy status, the applicant can timely understand the status of the policy and avoid losses caused by the invalidation of the policy.

[0003] However, due to the inconsistent policy status management mechanisms among various insurance business systems within the same insurance company, it may lead to conflicts or errors in policy status updates, and the policy status cannot be accurately updated. In addition, when there are conflicts or errors in policy status updates, it is usually necessary to manually coordinate the update of the policy status, which increases the labor cost. Summary of the Invention

[0004] The present disclosure provides a method and device for updating the policy status to at least solve one of the technical problems in the related art to a certain extent. The technical solutions of the present disclosure are as follows:

[0005] According to the first aspect of the embodiments of the present disclosure, a method for updating the policy status is provided, including: obtaining a target policy, and determining a directed sub-graph of the policy status matching the business type from a directed graph of the policy status according to the business type to which the target policy belongs; wherein, the directed graph of the policy status includes a plurality of nodes and directed edges between the nodes, each node is used to indicate the corresponding policy status, and the directed edge is used to indicate the status conversion condition between the two connected nodes; querying the directed sub-graph of the policy status according to the current policy status of the target policy to determine a first target node of the current policy status in the directed sub-graph of the policy status; in response to a first target operation triggered on the target policy, determining a first target directed edge from at least one first candidate directed edge in the directed sub-graph of the policy status, wherein the at least one first candidate directed edge is connected to the first target node and does not point to the first target node; updating the current policy status to the policy status indicated by a second target node pointed to by the first target directed edge.

[0006] According to a second aspect of the embodiments of the present disclosure, there is provided a policy status update device, including: an acquisition module, configured to acquire a target policy, and determine a directed sub-graph of policy status matching the business type from a directed graph of policy status according to the business type to which the target policy belongs; wherein, the directed graph of policy status includes a plurality of nodes and directed edges between the nodes, each node is used to indicate the corresponding policy status, and the directed edge is used to indicate the status conversion condition between the two connected nodes; a query module, configured to query the directed sub-graph of policy status according to the current policy status of the target policy to determine a first target node of the current policy status in the directed sub-graph of policy status; a determination module, configured to, in response to a first target operation triggered on the target policy, determine a first target directed edge from at least one first candidate directed edge in the directed sub-graph of policy status, wherein the at least one first candidate directed edge is connected to the first target node and does not point to the first target node; an update module, configured to update the current policy status to the policy status indicated by a second target node pointed to by the first target directed edge.

[0007] According to a third aspect of the embodiments of the present disclosure, there is provided an electronic device, including: a processor; a memory for storing instructions executable by the processor; wherein, the processor is configured to execute the instructions to implement the policy status update method as described in the first aspect embodiments of the present disclosure.

[0008] According to a fourth aspect of the embodiments of the present disclosure, there is provided a computer-readable storage medium, when instructions in the computer-readable storage medium are executed by a processor of an electronic device, enabling the electronic device to execute the policy status update method as described in the first aspect embodiments of the present disclosure.

[0009] According to a fifth aspect of the embodiments of the present disclosure, there is provided a computer program product, including: a computer program, which when executed by a processor implements the policy status update method as described in the first aspect embodiments of the present disclosure.

[0010] The technical solutions provided by the embodiments of the present disclosure at least bring the following beneficial effects:

[0011] 1. It is possible to uniformly standardize the policy status and the policy status conversion conditions based on the directed graph of policy status, and accurately update the policy status to avoid conflicts or errors in policy status updates between different policy business systems. Moreover, there is no need for manual coordination to update the policy status, reducing the labor cost;

[0012] 2. Each node in the directed graph of policy status includes a status value. Based on the status values of each node, it is convenient to quickly query the first target node corresponding to the current policy status, improving the query efficiency, and thus improving the policy status update efficiency;

[0013] 3. Determine whether the second target node is the last node in the policy status directed subgraph. When the second target node is not the last node in the policy status directed subgraph, perform at least one round of loop process to update the status of the target policy, which can effectively update the target policy according to the update path indicated by the corresponding policy status directed subgraph, improving the accuracy of the policy status update of the target policy.

[0014] It should be understood that the above general description and the following detailed description are only exemplary and explanatory, and cannot limit the present disclosure. BRIEF DESCRIPTION OF THE DRAWINGS

[0015] The drawings herein are incorporated into the specification and constitute a part of this specification, showing embodiments consistent with the present disclosure, and are used together with the specification to explain the principles of the present disclosure, and do not constitute an improper limitation of the present disclosure.

[0016] Figure 1 is a schematic flowchart of the policy status update method shown in the first embodiment of the present disclosure;

[0017] Figure 2 is a schematic flowchart of the policy status update method shown in the second embodiment of the present disclosure;

[0018] Figure 3 is a schematic flowchart of the policy status update method shown in the third embodiment of the present disclosure;

[0019] Figure 4 is a schematic diagram of the policy status directed graph shown in the embodiments of the present disclosure;

[0020] Figure 5 is a schematic structural diagram of the policy status update device shown in the fourth embodiment of the present disclosure;

[0021] Figure 6 is a schematic structural diagram of an electronic device shown in an exemplary embodiment of the present disclosure. DETAILED DESCRIPTION OF THE EMBODIMENTS

[0022] In order to enable those of ordinary skill in the art to better understand the technical solutions of the present disclosure, the technical solutions in the embodiments of the present disclosure will be clearly and completely described below with reference to the drawings.

[0023] It should be noted that in the description of the present disclosure, the terms "first", "second", etc. in the specification, claims and the above drawings are used to distinguish similar objects, and do not necessarily describe a specific order or sequence. It should be understood that the data used in this way can be interchanged under appropriate circumstances so that the embodiments of the present disclosure described here can be implemented in an order other than those illustrated or described here. The embodiments described in the following exemplary embodiments do not represent all embodiments consistent with the present disclosure. On the contrary, they are only examples of devices and methods consistent with some aspects of the present disclosure as detailed in the appended claims.

[0024] It should be noted that in the technical solution of the present disclosure, the collection, storage, use, processing, transmission, provision, disclosure and other processing of the user's personal information are all carried out on the premise of obtaining the user's consent, and all comply with the provisions of relevant laws and regulations and do not violate public order and good customs.

[0025] The following describes the policy status update method and device according to the embodiments of the present disclosure with reference to the drawings.

[0026] Figure 1 It is a schematic flowchart of the policy status update method shown in the first embodiment of the present disclosure.

[0027] As Figure 1 shown, the policy status update method may include the following steps:

[0028] Step 101, obtain a target policy, and determine a directed subgraph of the policy status that matches the business type from the directed graph of the policy status according to the business type to which the target policy belongs.

[0029] Among them, the directed graph of the policy status includes multiple nodes and directed edges between the nodes. Each node is used to indicate the corresponding policy status, and the directed edge is used to indicate the status conversion condition between the two connected nodes.

[0030] In the embodiments of the present disclosure, the target policy may be a policy to be processed. The target policy may be the policy carried in the status update request sent by the client, or the target policy may be the policy stored in the server. The present disclosure does not make specific limitations.

[0031] In the embodiments of the present disclosure, the business type to which the target policy belongs may be obtained by analyzing the status update request, or the business type to which the target policy belongs may be determined in response to the input operation of the business personnel.

[0032] It should be understood that the directed graph of the policy status may include directed subgraphs of the policy status of multiple business types. Therefore, a directed subgraph of the policy status that matches the business type is determined from the directed graph of the policy status.

[0033] Among them, it should be noted that the directed graph of policy status includes multiple nodes and directed edges between the nodes. Each node is used to indicate the corresponding policy status, and the directed edge is used to indicate the status transition condition between the two connected nodes.

[0034] It should be noted that the policy status indicated by the nodes in the directed graph of policy status may include: draft status, underwritten status, prepaid status, declined status, cancelled status, insurance confirmation letter, issued status, suspended status, in endorsement status, surrendered status, valid status, expired status, etc. The directed graph of policy status may include nodes matching multiple business types. By obtaining multiple target nodes matching the business type to which the target policy belongs from the directed graph of policy status, a directed sub-graph of policy status can be generated according to the multiple target nodes and the directed edges between the multiple target nodes. For example, the directed sub-graph of policy status may include draft status, underwritten status, issued status, valid status, etc.

[0035] Step 102: Query the directed sub-graph of policy status according to the current policy status of the target policy to determine the first target node of the current policy status in the directed sub-graph of policy status.

[0036] In order to accurately update the policy status of the target policy, in the embodiments of the present disclosure, the first target node corresponding to the current policy status of the target policy in the directed sub-graph of policy status can be queried.

[0037] Step 103: In response to the first target operation triggered on the target policy, determine the first target directed edge from at least one first candidate directed edge in the directed sub-graph of policy status.

[0038] Among them, at least one first candidate directed edge is connected to the first target node and does not point to the first target node.

[0039] Furthermore, after determining the first target node of the current policy status in the directed sub-graph of policy status, the policy status update path of the target policy can be determined in the directed sub-graph of policy status according to the first target operation triggered on the target policy, that is, determine the first target directed edge from at least one first candidate directed edge in the directed sub-graph of policy status, where at least one first candidate directed edge is connected to the first target node and does not point to the first target node.

[0040] Step 104: Update the current policy status to the policy status indicated by the second target node pointed to by the first target directed edge.

[0041] In the embodiments of the present disclosure, the target directed edge points from the first target node to the second target node, and the current policy status of the target policy can be updated to the policy status indicated by the second target node.

[0042] In summary, when updating the policy status of a target policy, a directed sub-graph of policy status that matches the business type to which the target policy belongs is determined from the directed graph of policy status. The first target node of the current policy status in the directed sub-graph of policy status is determined. When a first target operation is triggered on the target policy, the first target node is determined from the directed sub-graph of policy status, and the current policy status is updated to the policy status indicated by the second target node. The policy status and the policy status transition conditions can be uniformly specified based on the directed graph of policy status, enabling accurate update of the policy status to avoid conflicts or errors in policy status updates between different policy business systems. Moreover, there is no need for manual coordination to update the policy status, reducing the labor cost.

[0043] To clearly illustrate how to determine a target directed edge from at least one candidate directed edge in the directed sub-graph of policy status in response to a target operation triggered on the target policy in the above embodiments, the present disclosure proposes another policy status update method.

[0044] Figure 2 It is a schematic flowchart of the policy status update method shown in the second embodiment of the present disclosure.

[0045] As Figure 2 shown, the policy status update method may include the following steps:

[0046] Step 201: Obtain a target policy, and determine a directed sub-graph of policy status that matches the business type from the directed graph of policy status according to the business type to which the target policy belongs.

[0047] Among them, the directed graph of policy status includes multiple nodes and directed edges between the nodes. Each node is used to indicate the corresponding policy status, and the directed edge is used to indicate the status transition condition between the two connected nodes.

[0048] Step 202: Query the directed sub-graph of policy status according to the current policy status of the target policy to determine the first target node of the current policy status in the directed sub-graph of policy status.

[0049] Step 203: Determine whether the first target node is the last node in the directed sub-graph of policy status.

[0050] In the embodiments of the present disclosure, the last node in the directed graph of policy status refers to a node without any outgoing edges. It can be determined whether the first target node has an outgoing edge. In the case where the first target node has no outgoing edges, it can be determined that the first target node is the last node in the directed graph of policy status.

[0051] Step 204, in the case that the first target node is not the last node in the policy status directed sub-graph, determine a first target directed edge from at least one first candidate directed edge in the policy status directed sub-graph.

[0052] Wherein, at least one first candidate directed edge is connected to the first target node and does not point to the first target node.

[0053] As an example, in the case that the first target node is not the last node in the policy status directed sub-graph, obtain at least one first candidate directed edge in the policy status directed sub-graph that is connected to the first target node and does not point to the first target node; for any one of the at least one first candidate directed edges, obtain the target state transition condition indicated by the any one first candidate directed edge; determine whether the operation result of the first target operation matches the target state transition condition indicated by the any one first candidate directed edge; in response to the first target operation matching the target state transition condition indicated by the any one first candidate directed edge, use the any one first candidate directed edge as the first target directed edge.

[0054] That is to say, in the case of not being the last node in the policy status directed sub-graph, obtain at least one out-edge of the first target node in the policy status directed sub-graph, use the out-edge of the first target node as at least one first candidate directed edge, and further, obtain the target state transition condition indicated by the at least one first candidate directed edge, match the operation result of the first target operation with the target state transition condition indicated by any one of the at least one first candidate directed edges, and in the case that the operation result of the first target operation matches the target state transition condition indicated by the any one first candidate directed edge, use the any one first candidate directed edge as the first target directed edge.

[0055] For example, the current policy status indicated by the first target node is the draft status, the first target operation is the underwriting operation, the policy status indicated by the second target node is underwritten, and the target state transition condition indicated by the directed edge between the first target node and the second target node is underwriting passed. In the case that the operation result of the first target operation is underwriting passed, use the directed edge between the first target node and the second target node as the first target directed edge.

[0056] As another example, in the case that the first target node is the last node in the policy status directed sub-graph, determine whether the first target node is the last node in the policy status directed graph. In the case that the first target node is the last node in the policy status directed graph, determine that the current policy status is invalid or expired; send a prompt message to the client logged in by the target object associated with the target policy, where the prompt message is used to prompt that the target policy is in an invalid or expired state.

[0057] Step 205: Update the current policy status to the policy status indicated by the second target node pointed to by the first target directed edge.

[0058] To improve the accuracy of policy status processing, in the embodiments of the present disclosure, after updating the current policy status to the policy status indicated by the second target node pointed to by the target directed edge, it may be determined whether the second target node is the last node in the policy status directed sub-graph; in the case where the second target node is not the last node in the policy status directed sub-graph, at least one round of loop process is executed, where the first round of loop process includes: in response to the second target operation triggered by the first round of loop process on the target policy, determining at least one second candidate directed edge corresponding to the first round of loop process from the policy status directed sub-graph; determining the second target directed edge corresponding to the first round of loop process from at least one second candidate directed edge corresponding to the first round of loop process; updating the updated current policy status to the policy status indicated by the third target node pointed to by the second target directed edge corresponding to the first round of loop process, so as to obtain the policy status of the target policy updated by the first round of loop process.

[0059] The non-first-round loop process includes: determining whether the third target node pointed to by the second target directed edge corresponding to the previous round of loop process of the non-first-round process is the last node in the policy status directed sub-graph; in the case where the third target node pointed to by the second target directed edge corresponding to the previous round of loop process of the non-first-round process is not the last node in the policy status directed sub-graph, in response to the second target operation triggered by the non-first-round loop process on the target policy, determining at least one second candidate directed edge corresponding to the non-first-round loop process from the policy status directed sub-graph; determining the second target directed edge corresponding to the non-first-round loop process from at least one second candidate directed edge corresponding to the non-first-round loop process; updating the policy status of the target policy updated by the previous round of loop process to the policy status indicated by the third target node pointed to by the second target directed edge corresponding to the non-first-round loop process; in the case where the third target node pointed to by the second target directed edge corresponding to the previous round of loop process of the non-first-round process is the last node in the policy status directed sub-graph, ending the loop process.

[0060] That is to say, when the second target node is not the last node in the policy status directed sub-graph, determine the out-edge of the second target node, use the out-edge of the second target node as at least one second candidate directed edge corresponding to the first round of loop process, in response to the second target operation triggered by the first round of loop process on the target policy, determine the second target directed edge from at least one second candidate directed edge corresponding to the first round of loop process, and further, update the updated current policy status to the policy status indicated by the third target node pointed to by the second target directed edge corresponding to the first round of loop process.

[0061] Furthermore, it is determined whether the third target node pointed to by the second target directed edge corresponding to the first-round loop process is the last node in the policy status directed sub-graph. In the case where the third target node pointed to by the second target directed edge corresponding to the first-round loop process is not the last node in the policy status directed sub-graph, in response to the second target operation triggered by the target policy in the second-round loop process, the second target directed edge is determined from at least one second candidate directed edge corresponding to the second-round loop process. Furthermore, the policy status of the target policy updated in the first round is updated to the policy status indicated by the third target node pointed to by the second target directed edge corresponding to the second-round loop process. In this way, until the third target node pointed to by the second target directed edge corresponding to the previous-round loop process in the non-first-round process is the last node in the policy status directed sub-graph, the loop process ends.

[0062] It should be noted that the execution processes of steps 201 to 202 can be implemented in any one of the embodiments of the present disclosure, and the embodiments of the present disclosure do not make any limitations in this regard and will not be elaborated further.

[0063] Thus, in the case where the second target node is not the last node in the policy status directed sub-graph, at least one round of loop process is executed to update the status of the target policy, which can effectively update the target policy according to the update path indicated by the corresponding policy status directed sub-graph, improving the accuracy of the policy status update of the target policy.

[0064] In summary, by determining whether the first target node is the last node in the policy status directed graph; in the case where the first target node is not the last node in the policy status directed graph, the first target directed edge is determined from at least one first candidate directed edge in the policy status directed sub-graph. Thus, when updating the policy status of the target policy, first determining whether the first target node corresponding to the current policy status is the last node in the policy status directed graph can improve the efficiency of policy status update and avoid errors in policy status update.

[0065] To clearly illustrate how to query the policy status directed sub-graph according to the current policy status of the target policy in the above embodiments to determine the first target node of the current policy status in the policy status directed sub-graph, the present disclosure proposes another policy status update method.

[0066] Figure 3 It is a schematic flowchart of the policy status update method shown in the third embodiment of the present disclosure.

[0067] As Figure 3 shown, the policy status update method may include the following steps:

[0068] Step 301, obtain the target insurance policy, and according to the business type to which the target insurance policy belongs, determine the insurance policy status directed subgraph that matches the business type from the insurance policy status directed graph.

[0069] The policy status directed graph includes multiple nodes and directed edges between the nodes. Each node is used to indicate the corresponding policy status, and the directed edge is used to indicate the state transition condition between the two connected nodes.

[0070] In the embodiment of the present disclosure, each node in the policy status directed graph includes a status value, and the status value is used to indicate the corresponding policy status. For example, status value 0 indicates draft status, status value 1 indicates approved status, status value 2 indicates prepaid status, status value 3 indicates cancelled status, etc.

[0071] In the disclosed embodiment, each node in the policy status directed graph may also include status names in multiple languages. For example, the node indicating the draft status includes the English status name "draft" and the Chinese status name "Draft".

[0072] For example, Figure 4 As shown, Figure 4 The policy status directed graph provided in the embodiment of the present disclosure, the policy statuses indicated by the nodes in the policy status directed graph may include: draft status, approved status, prepaid status, rejected status, cancelled status, insurance confirmation, issued status, pending status, refunded status, valid status or expired status, etc.

[0073] Among them, for the draft status, the corresponding status value can be 0. This status can be used for inquiry forms, insurance application forms, and temporary deposit forms. It refers to a status where after the applicant (or agent, etc.) selects the corresponding insurance product and enters the relevant information of the insured / object, the relevant information of the insurance policy is saved in the insurance system. This is an initial and temporary status. The current "insurance policy" has not been signed and is not legally effective. Two operations can be performed on this basis: 1. Underwriting operation. The results of underwriting are divided into two: passed and not passed (in fact, passed can be further divided into passed and partially passed. Partially passed means that special agreements or exclusions need to be added, or the premium needs to be increased). If the underwriting is passed, the status of the insurance application form can be converted to underwritten. If the underwriting is not passed, the status of the insurance application form is converted to declined; 2. Pre-payment operation. In some scenarios (especially in the early days when information systems were underdeveloped), it was often the case that payment was made first and then underwriting was carried out. In this way, the applicant does not need to make multiple round trips and can complete the necessary operations at one time, and then wait for the insurer to complete the underwriting and mail or deliver the paper insurance policy to the residence. Currently, there is also a need for this scenario. For example, for insurance application forms with a large premium amount, automatic underwriting is not applicable and manual underwriting is required. And if the applicant waits for a long time, they may also make a pre-payment in advance. There are also some other types of insurance sales forms that sometimes require the support of the pre-payment scenario;

[0074] Underwritten status, the corresponding status value can be 1: This status is used to indicate that underwriting has passed. For policies in draft status (i.e., inquiry forms, application forms), after the underwriting operation, the policy status will become underwritten. This status represents that the insurer (i.e., the insurance company) has agreed to underwrite this policy. For those that require premium collection upon issuance, the policy will only be formally issued and take effect after the policyholder pays the premium (taking effect does not mean being valid, it is only valid within the insurance period). For those that do not require premium collection upon issuance, after underwriting passes, the policy will be automatically issued and take effect; it is the status of the policy after underwriting passes, and the current status represents that the insurer has agreed to underwrite this policy; based on this, 3 operations can be performed: 1. Issuance operation, which is also divided into two types here. One is that it requires "premium collection upon issuance", then the policyholder needs to pay the premium, and then the system will trigger the issuance operation; there are also some that do not require "premium collection upon issuance", and after underwriting passes, they can become issued status in real-time or at a scheduled time; 2. Issue an insurance confirmation letter. If the issuance is not a real-time or immediate operation or behavior and takes some time, and the policyholder urgently needs a proof of insurance, the insurer can provide the policyholder with an insurance confirmation letter (cover note). The policyholder can use this confirmation letter as a proof of insurance to handle their own matters (such as: going through exit procedures, goods passing through customs, etc.). However, the insurance confirmation letter (cover note) is only a temporary document with less content recorded on it. The insurer still needs to issue a formal policy to the policyholder later, which clearly records various underwriting terms, special agreements, exclusions, subject information, insurance period, etc., and is a formal document that can obtain claim rights; 3. Cancellation. If after underwriting, the policyholder does not want to continue the insurance and has not paid, and the insurer has not issued the policy, the policyholder can apply to cancel the application form, and the current application form will become invalid;

[0075] Prepaid status, with the corresponding status value being 2. This status is used to indicate an insurance application for which the prepayment has been made before underwriting. Based on this, underwriting operations can be carried out. The underwriting results are divided into two types: underwriting not passed and underwriting passed. If the underwriting is not passed, the insurance application will enter the declined status, indicating that the insurance company refuses to underwrite this application. If the underwriting is passed, the insurance application generally will enter the issued status. Also, in a small number of scenarios (where the insurer cannot issue the policy in real-time or in a timely manner, and the applicant needs to obtain the insurance certificate immediately), the insurer will issue a cover note. Among them, it should be noted that for a prepaid insurance application, that is, before underwriting, the applicant directly pays the premium. This is suitable for insurance product terms that are relatively fixed, and the probability of underwriting being rejected is very low. Most of them are automatically underwritten. As long as several necessary conditions are met, it will be automatically passed. In this way, the applicant / agent can operate the policy entry and payment together, accelerating the entire process of issuing the policy and not delaying the issuing progress due to the need to wait for premium payment after underwriting. However, with the continuous improvement of the online real-time automatic underwriting system, the scenario of paying first and then underwriting only requires a set time limit (such as 1 second) currently, and the scenario of paying first and then underwriting is becoming less and less. However, in some B2B2C (commercial platforms that provide services for both merchants and consumers) scenarios, such a need still exists;

[0076] The declined status, with the corresponding status value being 3. This status is used to indicate that the underwriting is not passed. After the applicant or agent (or broker) submits the insurance application information to the insurer, the insurer finds that the conditions for underwriting are not met during the underwriting process, or the risk of the current insured / insured subject is too high, then the insurer refuses to underwrite this application;

[0077] The cancelled status, with the corresponding status value being 4. This status is used to indicate the cancellation of the policy, which is a type of policy invalidation status. Generally, it is used to represent an insurance application for which the underwriting has passed but has not been paid, or a policy that has been officially issued. If the payment is not made within the limited time required for payment, the insurance system will automatically cancel it. Of course, it can also be cancelled through manual operations (including those that have been underwritten but not paid, and the applicant no longer wants it and cancels it actively, and for policies that have been issued, they can be cancelled through manual endorsement). Since each insurer has different names, some insurers, a certain department of an insurer, or a certain information system of an insurer may also use this name to describe "the revocation of a paid and issued policy". However, in this solution, the cancelled status can be used to describe the revocation of an unpaid insurance application or policy, which can be clearly distinguished from the surrender status (the revocation of a paid and issued policy);

[0078] Cover note, with a corresponding status value of 5. A cover note is used to indicate a temporary state during the issuance process. Before the formal issuance, an insurer (or agent, broker) provides a confirmation letter to the applicant, indicating that the insurer (or broker) has received the insurance application and accepted it. However, due to some reasons, such as complex business, data isolation in information systems, special insurance sales forms, etc., it takes some time to provide a formal Certificate of Insurance (COI). Currently, a temporary and short-term cover note, also known as a temporary policy, is provided first. Common scenarios: 1. Long-distance bus companies recommend and sell insurance to passengers before transportation. After passengers purchase it, a receipt is printed. This receipt is valid, but currently, the insurance application information has not been sent to the insurer for underwriting confirmation. At this time, the receipt has the attributes of a cover note. 2. When e-commerce companies sell goods, customers can purchase a return and exchange insurance. This insurance application has not been sent to the insurer for registration and confirmation, but still has the right to claim compensation based on it. Generally, e-commerce companies will package multiple return and exchange insurances into a large insurance application for insurance with the insurer. Additionally, it should be noted that this is not a necessary state. In most scenarios, there will be no cover note state. The main purpose of a cover note is that "the insurer cannot issue a formal policy in real-time or in a timely manner (such as in the era when information systems were underdeveloped, or when the interaction between different insurance information systems is slow, or when some formal policies require full-time personnel to issue), and the applicant needs to obtain an insurance certificate immediately (such as for visas or customs). Then, in the underwritten state, the insurer issues a cover note to the applicant. The actual state of the current policy is still the underwritten state. The cover note means that the insurer has changed the policy state to the underwritten state and informed the applicant of this information. After issuing a cover note, it usually only takes a few days to obtain a formal policy;

[0079] Issued status, with the corresponding status value being 6. This status is used to indicate the issuance of the insurance policy, that is, the insurance policy comes into force officially. However, the fact that the insurance policy comes into force does not mean it is valid. Only cases within the insurance period have the right to claim compensation; it is also called coming into effect, representing the formal establishment of the legal relationship. Based on the current issued status, there are mainly three conversions: 1. Suspended, or temporarily locked. This situation exists in some insurance business lines of some insurers. It is equivalent to giving the policyholder a "cooling-off period" during the insurance period. If the insurance application form still wishes to continue with the current insurance policy later, the suspension can be lifted; 2. Endorsement, also known as amendment, that is, modifying or changing the existing insurance policy conditions. The endorsement process is divided into two steps: one is information change, and the other is endorsement review. After the endorsement review is passed, there are also various different situations. For insurance policies with basic information modified (such as address, mobile phone number, etc.), they will return to the issued status (or, in-force status). For insurance policies that are cancelled or surrendered, they will become the "invalid" status (the invalid status includes various specific statuses). For shortening the insurance period, they will return to the issued status, but after the specified date, they will become the "invalid" status again. If it involves premium increase endorsement (adding insured persons, insured items, or insurance terms), it will become the issued status after the premium is paid (specifically depending on whether "issuance upon receipt of premium" is required); 3. Expired. When the insurance policy normally passes through its insurance period and reaches the last day of the validity period, the current insurance policy will automatically become the expired (or invalid) status;

[0080] Suspended status, with the corresponding status value being 7. This status is used to indicate that the insurance policy is suspended, a state where an insurance customer requests to suspend premium payment but is still in a state of hesitation about whether to surrender the policy, similar to the cooling-off period of the insurance policy. However, this suspension is initiated by the customer actively and during the insurance period. In this state, premium payment will be suspended, but the insurance policy is still in the in-force status; if the suspension period is exceeded, the insurance system will automatically surrender the policy; if a case occurs during the suspension period, there is still the right to claim compensation, but the outstanding premiums before must be made up first; after some time of hesitation, if the customer wants to continue the insurance coverage, they can apply to the insurer to lift the suspension and resume normal premium payment; there are mainly two conversions for the current status: 1. Lift the suspension. After some time of hesitation, if the customer wants to continue paying the premium for this insurance policy, they can apply to lift the suspension, and the insurance policy will return to the issued status, and the policyholder makes up the premium; 2. Automatic surrender. If the suspension duration exceeds the standard, the system will automatically shorten the insurance period / surrender (the part of the insurance period for which the premium has not been paid);

[0081] The status in the endorsement, with the corresponding status value of 8, is used to indicate that the endorsement is in progress and the endorsement application form. After the insurance policy is issued and the policy officially takes effect, if changes need to be made to the policy terms, policy endorsement operations are required, including common basic information endorsements, such as modifying the address and mobile phone number, as well as beneficiary endorsements, modifying the beneficiary or beneficiary order. It is also possible to add / remove the insured subject / terms, cancellation, surrender, etc.; for endorsement operations, after information change operations are carried out, underwriting operations need to be carried out, the same as the underwriting operations during the insurance application process. Before the underwriting is approved / rejected, it is in the endorsement process status. At this time, the policy still maintains its original status (original terms), and the newly changed content has not taken effect. Only after the endorsement underwriting is approved will the changed content take effect; for certain types of endorsements, after the endorsement underwriting is approved, the policy status will become invalid (including cancellation and surrender).

[0082] It should be noted that the status in the endorsement can also be called the status in the process of endorsement, that is, the status where information has been changed but the endorsement review has not been carried out or completed. In fact, for the current policy, its legal effect is exactly the same as that of the policy before the information change, so the current policy is also valid. Only when the endorsement review is completed will the policy terms officially change. After the endorsement review is approved, there will be the following situations: 1. Underwritten (endorsement), this situation mainly applies to cases where the premium needs to be increased; 2. Issued, without major changes to the main terms, without changes to the premium amount or with partial premium refund required. After the endorsement review is completed, the policy is issued and takes effect, and the specific information is subject to the changes; 3. Cancelled, mainly for "unpaid insurance application form / policy"; 4. Surrendered, mainly for "paid policy".

[0083] The surrender status, with the corresponding status value of 9, is used to indicate the surrender of the insurance policy. An operation to revoke the policy for an already effective and paid policy is carried out, and the full premium, partial premium, or no premium refund is involved. It is one of the types of endorsements. After the endorsement review is approved, the current policy immediately loses its insurance effect;

[0084] The effective status, with the corresponding status value of 10, is used to indicate that the insurance policy is effective, a composite status, issued and within the validity period;

[0085] The expired status, with the corresponding status value of 11, is used to indicate that the insurance policy has expired, a composite status, issued and past the validity period. After the policy expires normally, it no longer has any effect.

[0086] Step 302, query the target status value corresponding to the current policy status.

[0087] In order to improve the query efficiency of the policy status, in the embodiments of the present disclosure, there is a corresponding relationship between the policy status and the status value. Therefore, according to the corresponding relationship between the policy status and the status value, the target status value corresponding to the current policy status can be queried.

[0088] Step 303: Query the directed subgraph of the policy status according to the target status value, so as to determine the first target node matching the target status value from the directed subgraph of the policy status.

[0089] In the embodiments of the present disclosure, each node in the directed graph of the policy status has a status value. By querying the directed subgraph of the policy status according to the target status value, the first target node matching the target status value can be determined from the directed subgraph of the policy status.

[0090] As another example, the status names in multiple languages may also be included in each node of the directed graph of the policy status. Query the directed subgraph of the policy status according to the status name of the current policy status, so as to determine the first target node from the directed subgraph of the policy status; wherein, there is at least one status name in at least one language in the first target node that matches the status name of the current policy status.

[0091] Step 304: In response to the first target operation triggered on the target policy, determine the first target directed edge from at least one first candidate directed edge in the directed subgraph of the policy status.

[0092] Wherein, at least one first candidate directed edge is connected to the first target node and does not point to the first target node.

[0093] Step 305: Update the current policy status to the policy status indicated by the second target node pointed to by the first target directed edge.

[0094] It should be noted that the execution processes of steps 304 to 305 can be implemented in any one of the embodiments of the present disclosure respectively. The embodiments of the present disclosure do not make any limitations in this regard and will not be elaborated further.

[0095] In summary, each node in the directed graph of the policy status includes a status value; query the target status value corresponding to the current policy status; query the directed subgraph of the policy status according to the target status value, so as to determine the first target node matching the target status value from the directed subgraph of the policy status. Thus, based on the status values of each node, it is convenient to quickly query the first target node corresponding to the current policy status, improving the query efficiency, and thus improving the policy status update efficiency.

[0096] Corresponding to the policy status update method provided in the above embodiments, the present disclosure also provides a policy status update device. Since the policy status update device provided in the embodiments of the present disclosure corresponds to the policy status update method provided in the above embodiments, the implementation manners of the policy status update method are also applicable to the policy status update device provided in the embodiments of the present disclosure and will not be described in detail in the embodiments of the present disclosure.

[0097] Figure 5 It is a schematic structural diagram of the policy status update device shown in the fourth embodiment of the present disclosure.

[0098] As Figure 5 shown, the policy status update device 500 includes: an acquisition module 510, a query module 520, a determination module 530, and an update module 540.

[0099] Among them, the acquisition module 540 is configured to acquire a target policy and determine a directed sub-graph of policy status matching the business type from the directed graph of policy status according to the business type to which the target policy belongs. The directed graph of policy status includes multiple nodes and directed edges between the nodes. Each node is used to indicate the corresponding policy status, and the directed edge is used to indicate the status conversion condition between the two connected nodes. The query module 520 is configured to query the directed sub-graph of policy status according to the current policy status of the target policy to determine a first target node of the current policy status in the directed sub-graph of policy status. The determination module 530 is configured to determine a first target directed edge from at least one first candidate directed edge in the directed sub-graph of policy status in response to a first target operation triggered on the target policy, where the at least one first candidate directed edge is connected to the first target node and does not point to the first target node. The update module 540 is configured to update the current policy status to the policy status indicated by the second target node pointed to by the first target directed edge.

[0100] As a possible implementation manner of the embodiments of the present disclosure, the determination module 530 is configured to determine whether the first target node is the last node in the directed sub-graph of policy status; in the case where the first target node is not the last node in the directed sub-graph of policy status, determine a first target directed edge from at least one first candidate directed edge in the directed sub-graph of policy status.

[0101] As a possible implementation manner of an embodiment of the present disclosure, the determining module 530 is further configured to, when the first target node is not the last node in the policy status directed subgraph, obtain at least one first candidate directed edge that is connected to the first target node and does not point to the first target node from the policy status directed subgraph; for any one of the at least one first candidate directed edges, obtain the target state transition condition indicated by the any one of the first candidate directed edges; determine whether the operation result of the first target operation matches the target state transition condition indicated by the any one of the first candidate directed edges; and in response to the operation result of the first target operation matching the target state transition condition indicated by the any one of the first candidate directed edges, use the any one of the first candidate directed edges as the first target directed edge.

[0102] As a possible implementation manner of an embodiment of the present disclosure, the policy status updating device 500 further includes: a sending module.

[0103] Wherein, the determining module 530 is further configured to, when the first target node is the last node in the policy status directed subgraph, determine whether the first target node is the last node in the policy status directed graph; and when the first target node is the last node in the policy status directed graph, determine that the current policy status is an invalid or expired state; the sending module is configured to send a prompt message to the client logged in by the target object associated with the target policy, where the prompt message is used to prompt that the target policy is in an invalid or expired state.

[0104] As a possible implementation manner of an embodiment of the present disclosure, the policy status updating device 500 further includes: a judging module and an executing module.

[0105] Wherein, the judging module is configured to judge whether the second target node is the last node in the policy status directed subgraph; the executing module is configured to, when the second target node is not the last node in the policy status directed subgraph, execute at least one round of loop process, where the first round of loop process includes: in response to the second target operation triggered by the first round of loop process on the target policy, determining at least one second candidate directed edge corresponding to the first round of loop process from the policy status directed subgraph; determining a second target directed edge corresponding to the first round of loop process from the at least one second candidate directed edge corresponding to the first round of loop process; and updating the updated current policy status to the policy status indicated by the third target node pointed to by the second target directed edge corresponding to the first round of loop process, so as to obtain the policy status of the target policy updated by the first round of loop process.

[0106] As a possible implementation manner of an embodiment of the present disclosure, the non-first-round loop process in at least one round of loop process includes: determining whether a third target node pointed to by a second target directed edge corresponding to the previous-round loop process of the non-first-round process is the last node in the policy status directed sub-graph; in the case where the third target node pointed to by the second target directed edge corresponding to the previous-round loop process of the non-first-round process is not the last node in the policy status directed sub-graph, in response to a second target operation triggered by the non-first-round loop process on the target policy, determining at least one second candidate directed edge corresponding to the non-first-round loop process from the policy status directed sub-graph; determining a second target directed edge corresponding to the non-first-round loop process from at least one second candidate directed edge corresponding to the non-first-round loop process; updating the policy status of the target policy updated in the previous-round loop process to the policy status indicated by the third target node pointed to by the second target directed edge corresponding to the non-first-round loop process; in the case where the third target node pointed to by the second target directed edge corresponding to the previous-round loop process of the non-first-round process is the last node in the policy status directed sub-graph, ending the loop process.

[0107] As a possible implementation manner of an embodiment of the present disclosure, each node in the policy status directed graph includes a status value, and the status value is used to indicate the corresponding policy status; a query module 520 is configured to query a target status value corresponding to the current policy status; and query the policy status directed sub-graph according to the target status value, so as to determine a first target node matching the target status value from the policy status directed sub-graph.

[0108] As a possible implementation manner of an embodiment of the present disclosure, each node in the policy status directed graph includes status names in multiple languages, and the query module 520 is configured to query the policy status directed sub-graph according to the status name of the current policy status, so as to determine a first target node from the policy status directed sub-graph; wherein, there is at least one status name in at least one language in the first target node that matches the status name of the current policy status.

[0109] As a possible implementation manner of an embodiment of the present disclosure, the policy status indicated by the nodes in the policy status directed graph includes: draft status, underwritten status, prepaid status, declined status, cancelled status, insurance confirmation letter, issued status, pending status, endorsement in progress status, surrender status, valid status or expired status.

[0110] When the policy status update device according to an embodiment of the present disclosure updates the policy status of a target policy, it determines a directed sub-graph of policy status that matches the business type to which the target policy belongs from the directed graph of policy status, determines a first target node of the current policy status in the directed sub-graph of policy status, and when a first target operation is triggered on the target policy, determines the first target node from the directed sub-graph of policy status and updates the current policy status to the policy status indicated by the second target node. It can uniformly standardize the policy status and the policy status conversion conditions based on the directed graph of policy status, and can accurately update the policy status to avoid conflicts or errors in policy status updates between different policy business systems. Moreover, it does not require manual coordination to update the policy status, reducing the labor cost.

[0111] In an exemplary embodiment, an electronic device is also proposed.

[0112] Wherein, the electronic device includes:

[0113] A processor;

[0114] A memory for storing instructions executable by the processor;

[0115] Wherein, the processor is configured to execute instructions to implement the policy status update method proposed in any of the foregoing embodiments.

[0116] As an example, Figure 6 is a schematic structural diagram of an electronic device 600 shown in an exemplary embodiment of the present disclosure. As Figure 6 shown, the above-mentioned electronic device 600 may further include:

[0117] A memory 610 and a processor 620, a bus 630 connecting different components (including the memory 610 and the processor 620). The memory 610 stores a computer program, and when the processor 620 executes the program, it implements the policy status update method described in the embodiments of the present disclosure.

[0118] The bus 630 represents one or more of several types of bus structures, including a memory bus or a memory controller, a peripheral bus, a graphics acceleration port, a processor, or a local bus using any bus structure in a variety of bus structures. For example, these architectures include, but are not limited to, Industry Standard Architecture (ISA) bus, Micro Channel Architecture (MAC) bus, Enhanced ISA bus, Video Electronics Standards Association (VESA) local bus, and Peripheral Component Interconnect (PCI) bus.

[0119] The electronic device 600 typically includes a variety of electronic device-readable media. These media can be any available media that can be accessed by the electronic device 600, including volatile and non-volatile media, removable and non-removable media.

[0120] The memory 610 may further include a computer system readable medium in the form of volatile memory, such as random access memory (RAM) 640 and / or cache memory 650. The server 600 may further include other removable / non-removable, volatile / non-volatile computer system storage media. By way of example only, the storage system 660 may be used for reading and writing on non-removable, non-volatile magnetic media ( Figure 6 not shown, commonly referred to as a "hard disk drive"). Although Figure 6 not shown in the figure, a disk drive for reading and writing on a removable non-volatile disk (such as a "floppy disk"), and an optical disk drive for reading and writing on a removable non-volatile optical disk (such as a CD-ROM, DVD-ROM or other optical media) may be provided. In these cases, each drive may be connected to the bus 630 through one or more data media interfaces. The memory 610 may include at least one program product having a set (such as at least one) of program modules configured to perform the functions of the embodiments of the present disclosure.

[0121] A program / utility 680 having a set (at least one) of program modules 670 may be stored, for example, in the memory 610. Such program modules 670 include, but are not limited to, an operating system, one or more application programs, other program modules, and program data. Each of these examples or some combination thereof may include an implementation of a network environment. The program modules 670 generally perform the functions and / or methods in the embodiments described in the present disclosure.

[0122] The electronic device 600 may also communicate with one or more external devices 690 (such as a keyboard, a pointing device, a display 691, etc.), and may also communicate with one or more devices that enable a user to interact with the electronic device 600, and / or communicate with any device that enables the electronic device 600 to communicate with one or more other computing devices (such as a network card, a modem, etc.). Such communication may be carried out through an input / output (I / O) interface 692. Moreover, the electronic device 600 may also communicate with one or more networks (such as a local area network (LAN), a wide area network (WAN), and / or a public network, such as the Internet) through a network adapter 693. As shown in the figure, the network adapter 693 communicates with other modules of the electronic device 600 through the bus 630. It should be understood that although not shown in the figure, other hardware and / or software modules may be used in conjunction with the electronic device 600, including but not limited to: microcode, device drivers, redundant processing units, external disk drive arrays, RAID systems, tape drives, and data backup storage systems, etc.

[0123] The processor 620 executes various functional applications and data processing by running programs stored in the memory 610.

[0124] It should be noted that for the implementation process and technical principle of the electronic device in this embodiment, refer to the foregoing explanation of the policy status update method of the present disclosure embodiment, which will not be elaborated here.

[0125] In an exemplary embodiment, a computer-readable storage medium including instructions is also provided, such as a memory including instructions. The above instructions can be executed by the processor of the electronic device to complete the policy status update method proposed in any of the foregoing embodiments. Optionally, the computer-readable storage medium may be a ROM, a random access memory (RAM), a CD-ROM, a magnetic tape, a floppy disk, and an optical data storage device, etc.

[0126] In an exemplary embodiment, a computer program product is also provided, including a computer program / instructions, characterized in that when the computer program / instructions are executed by a processor, the policy status update method proposed in any of the foregoing embodiments is implemented.

[0127] Those skilled in the art will readily conceive of other embodiments of the present disclosure after considering the specification and practicing the invention disclosed herein. The present disclosure is intended to cover any variations, uses, or adaptations of the present disclosure that follow the general principles of the present disclosure and include known common knowledge or conventional technical means in the technical field not disclosed by the present disclosure. The specification and embodiments are only to be considered as exemplary, and the true scope and spirit of the present disclosure are pointed out by the following claims.

[0128] It should be understood that the present disclosure is not limited to the exact structures already described and shown in the drawings, and various modifications and changes can be made without departing from its scope. The scope of the present disclosure is only limited by the appended claims.

Claims

1. A method for updating the policy status, characterized in that, Including: Obtain a target insurance policy, and determine a directed sub-graph of policy states that matches the business type from the directed graph of policy states according to the business type to which the target insurance policy belongs; wherein, the directed graph of policy states includes multiple nodes and directed edges between the nodes, each node is used to indicate the corresponding policy state, and the directed edge is used to indicate the state transition condition between the two connected nodes; Query the directed sub-graph of policy states according to the current policy state of the target insurance policy to determine a first target node of the current policy state in the directed sub-graph of policy states; In response to a first target operation triggered on the target insurance policy, determine a first target directed edge from at least one first candidate directed edge in the directed sub-graph of policy states, wherein the at least one first candidate directed edge is connected to the first target node and does not point to the first target node; Update the current policy state to the policy state indicated by a second target node pointed to by the first target directed edge; The determining the first target directed edge from at least one first candidate directed edge in the directed sub-graph of policy states in response to a first target operation triggered on the target insurance policy includes: Determine whether the first target node is the last node in the directed sub-graph of policy states; When the first target node is not the last node in the directed sub-graph of policy states, obtain at least one first candidate directed edge that is connected to the first target node and does not point to the first target node from the directed sub-graph of policy states; For any one of the at least one first candidate directed edges, obtain the target state transition condition indicated by the any one of the first candidate directed edges; Determine whether the operation result of the first target operation matches the target state transition condition indicated by the any one of the first candidate directed edges; In response to the operation result of the first target operation matching the target state transition condition indicated by the any one of the first candidate directed edges, use the any one of the first candidate directed edges as the first target directed edge.

2. The method according to claim 1, wherein The method further includes: When the first target node is the last node in the directed sub-graph of policy states, determine whether the first target node is the last node in the directed graph of policy states; When the first target node is the last node in the directed graph of policy states, determine that the current policy state is an invalid or expired state; Send a prompt message to the client logged in by the target object associated with the target insurance policy, wherein the prompt message is used to prompt that the target insurance policy is in an invalid or expired state.

3. The method according to claim 1, wherein The method further includes: Determine whether the second target node is the last node in the directed sub-graph of policy states; When the second target node is not the last node in the directed sub-graph of policy states, execute at least one round of loop process, wherein the first round of loop process includes: In response to a second target operation triggered by the target policy during the first round of the loop process, determine at least one second candidate directed edge corresponding to the first round of the loop process from the policy state directed subgraph; Determine a second target directed edge corresponding to the first round of the loop process from the at least one second candidate directed edge corresponding to the first round of the loop process; Update the updated current policy state to the policy state indicated by the third target node pointed to by the second target directed edge corresponding to the first round of the loop process, so as to obtain the policy state of the target policy updated by the first round of the loop process.

4. The method according to claim 3, characterized in that The non-first-round loop processes in the at least one round of loop processes include: Determine whether the third target node pointed to by the second target directed edge corresponding to the previous loop process of the non-first-round loop process is the last node in the policy state directed subgraph; In the case where the third target node pointed to by the second target directed edge corresponding to the previous loop process of the non-first-round loop process is not the last node in the policy state directed subgraph, in response to the second target operation triggered by the target policy during the non-first-round loop process, determine at least one second candidate directed edge corresponding to the non-first-round loop process from the policy state directed subgraph; Determine a second target directed edge corresponding to the non-first-round loop process from the at least one second candidate directed edge corresponding to the non-first-round loop process; Update the policy state of the target policy updated by the previous loop process to the policy state indicated by the third target node pointed to by the second target directed edge corresponding to the non-first-round loop process; In the case where the third target node pointed to by the second target directed edge corresponding to the previous loop process of the non-first-round loop process is the last node in the policy state directed subgraph, end the loop process.

5. The method according to claim 1, wherein Each node in the policy state directed graph includes a state value, and the state value is used to indicate the corresponding policy state. The querying the policy state directed subgraph according to the current policy state of the target policy to determine the first target node of the current policy state in the policy state directed subgraph includes: Query a target state value corresponding to the current policy state; Query the policy state directed subgraph according to the target state value, so as to determine a first target node matching the target state value from the policy state directed subgraph.

6. The method according to claim 1, wherein Each node in the policy state directed graph includes state names in multiple languages. The querying the policy state directed subgraph according to the current policy state of the target policy to determine the first target node of the current policy state in the policy state directed subgraph includes: Query the policy state directed subgraph according to the state name of the current policy state, so as to determine a first target node from the policy state directed subgraph; Among them, at least one of the state names in the first target node matches the state name of the current policy state.

7. The method according to claim 1, wherein The policy states indicated by the nodes in the policy state directed graph include: Draft status, underwritten status, prepaid status, declined status, cancelled status, insurance confirmation letter, issued status, suspended status, endorsement in progress status, surrendered status, valid status or expired status.

8. A policy status update device, characterized in that, Including: An acquisition module, configured to acquire a target insurance policy, and determine a directed sub-graph of insurance policy status matching the business type from a directed graph of insurance policy status according to the business type to which the target insurance policy belongs; wherein, the directed graph of insurance policy status includes multiple nodes and directed edges between the nodes, each node is used to indicate the corresponding insurance policy status, and the directed edge is used to indicate the status conversion condition between the two connected nodes; A query module, configured to query the directed sub-graph of insurance policy status according to the current insurance policy status of the target insurance policy to determine a first target node of the current insurance policy status in the directed sub-graph of insurance policy status; A determination module, configured to determine a first target directed edge from at least one first candidate directed edge in the directed sub-graph of insurance policy status in response to a first target operation triggered on the target insurance policy, wherein the at least one first candidate directed edge is connected to the first target node and does not point to the first target node; An update module, configured to update the current insurance policy status to the insurance policy status indicated by a second target node pointed to by the first target directed edge; The determination module is specifically configured to: Judge whether the first target node is the last node in the directed sub-graph of insurance policy status; When the first target node is not the last node in the directed sub-graph of insurance policy status, acquire at least one first candidate directed edge connected to the first target node and not pointing to the first target node from the directed sub-graph of insurance policy status; For any one of the at least one first candidate directed edges, acquire the target status conversion condition indicated by the any one of the first candidate directed edges; Judge whether the operation result of the first target operation matches the target status conversion condition indicated by the any one of the first candidate directed edges; In response to the operation result of the first target operation matching the target status conversion condition indicated by the any one of the first candidate directed edges, use the any one of the first candidate directed edges as the first target directed edge.

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