Standardized acceptance method and device, computer equipment and storage medium

Abstract

The invention discloses a standardized acceptance method and device, computer equipment and a storage medium. The method comprises the following steps: firstly, acquiring to-be-uploaded insurance policy information and an insurance source corresponding to the insurance policy information; if the insurance source is not the preset standardized insurance source, obtaining channel feature information corresponding to the insurance source; obtaining a data arrangement logic corresponding to the insurance source according to the channel feature information, arranging the insurance policy information according to the data arrangement logic, and obtaining acceptance policy information corresponding to the insurance policy information; further verifying the acceptance form information according to a preset security rule set to obtain a verification result corresponding to the insurance policy information; and finally, if the verification is passed, acceptance of the insurance policy information is completed. And standardized acceptance of non-standard insurance policy information of multiple insurance sources is realized. The development cycle is shortened, the supporting service for supporting other non-core services is achieved, the customer experience is improved, and unnecessary losses caused by non-standard sources are avoided.

Description

Technical Field

[0001] The present application relates to the field of artificial intelligence technology, applied in the financial field, and in particular to a standardized acceptance method, device, equipment and storage medium. Background Art

[0002] In recent years, with the launch of various different ranges of insurance, the development of insurance business has rapidly shifted from the previous strategy of mainly serving individual customers and self-operated channels (APP, official website) to access based on personalized and diversified market demand (such as conversion of customer groups to third-party channels, mini-programs, corporate customers), resulting in an increasing amount of insurance policies from non-standard channels among the sources of insurance policies accepted by the corresponding financial system.

[0003] The current old insurance preservation acceptance method has problems such as single policy function, simple business scenario support, and the use of traditional monolithic architecture in the system. There are many non-standard business process function interfaces, and each third-party channel has its own interface specifications and data requirements, which leads to defects such as low automation, unstable services, and high system maintenance costs in the policy acceptance process in the financial system. Ultimately, it leads to major problems such as poor customer experience, inability to close the business loop, high complaint rates, and even inconsistent policy data acceptance causing asset losses. Summary of the invention

[0004] The present application provides a standardized acceptance method, device, computer equipment and storage medium, which aims to solve the increasing number of insurance policies from non-standardized channels among the sources of insurance policies accepted by the financial system. The current old insurance preservation acceptance method has problems such as single policy function, simple business scenario support, and the use of traditional single architecture in the system. However, there are many non-standard business process function interfaces and scattered functions. Each third-party channel has its own interface specifications and data requirements, which leads to frequent defects such as low automation, unstable service, and high system maintenance costs in the policy acceptance process in the financial system. Ultimately, it leads to major problems such as poor customer experience, inability to close the business loop, high complaint rates, and even inconsistent accepted policy data causing asset losses.

[0005] In a first aspect, the present application provides a standardized acceptance method, including:

[0006] Obtain the insurance policy information to be uploaded and the insurance source corresponding to the insurance policy information;

[0007] If the insurance source is not the preset standardized insurance source, obtain the channel characteristic information corresponding to the insurance source;

[0008] The data arrangement logic corresponding to the insurance source is obtained according to the channel characteristic information, so as to arrange the insurance policy information according to the data arrangement logic and obtain the acceptance form information corresponding to the insurance policy information;

[0009] Verify the acceptance form information according to the preset preservation rule set and obtain the verification result corresponding to the policy information;

[0010] If the verification passes, the acceptance of the policy information is completed.

[0011] In some embodiments, data orchestration logic corresponding to the insurance source is obtained according to channel characteristic information, including: obtaining a channel characteristic vector corresponding to the channel characteristic information; inputting the channel characteristic vector into a preset logic orchestration model, the logic orchestration model parses the channel characteristic vector, and outputs a message parsing method, input parameter conversion method, quotation calculation method, data information attachment upload method and data filtering method corresponding to the policy information; and constructing the data orchestration logic corresponding to the insurance source according to the message parsing method, input parameter conversion method, quotation calculation method, data information attachment upload method and data filtering method.

[0012] In some embodiments, the preservation rule set includes multiple sub-rules, and the sub-rules include at least any one of the insurance policy business rules, preservation business rules, and security compliance rules; the acceptance form information is verified according to the preset preservation rule set, including: verifying the acceptance form information according to each sub-rule at the same time, and obtaining the sub-verification result corresponding to each sub-rule; generating the verification result corresponding to the acceptance form information based on multiple sub-verification results.

[0013] Exemplarily, a verification result corresponding to the acceptance form information is generated based on multiple sub-verification results; including: obtaining the verification type corresponding to each sub-rule; generating the influencing factor corresponding to each sub-rule based on the verification type and channel characteristic information; determining the target sub-rule in the sub-rule based on the influencing factor corresponding to each sub-rule; generating the verification result corresponding to the acceptance form information based on the sub-verification result of the target sub-rule.

[0014] In some embodiments, obtaining the insurance policy information to be uploaded and the insurance source corresponding to the insurance policy information includes: when receiving the insurance policy acceptance request, obtaining the identification information of the sending end corresponding to the insurance policy acceptance request; and obtaining the insurance source corresponding to the identification information in a preset financial system based on the identification information.

[0015] Exemplarily, before obtaining the channel characteristic information corresponding to the insured source, it also includes: obtaining the protocol type corresponding to the insured source in the financial system; parsing the policy information according to the protocol type, and performing a legitimacy check on the parsed policy information; if the policy information fails the legitimacy check, returning the policy information to the sending end, and adding a risk identifier to the identification information corresponding to the insured source in the financial system to intercept the policy acceptance request of the insured source that fails the legitimacy check.

[0016] In some embodiments, standardized insurance sources include online standard channels and offline channels; the method also includes: if the insurance source is an online standard channel, assembling and preserving the policy information; the assembly and preservation verification includes one or more of personal information change verification, payment account change verification, supplementary notification verification, reduction of persons verification and cancellation verification, so as to accept the insurance policy information that has completed the assembly and preservation verification; and / or, if the insurance source is an offline channel, checking whether the insurance policy information meets the unified acceptance standards, so as to accept the insurance policy information that meets the unified acceptance standards.

[0017] In a second aspect, the present application provides a standardized acceptance device, comprising:

[0018] An information acquisition unit, used to acquire the insurance policy information to be uploaded and the insurance source corresponding to the insurance policy information;

[0019] A feature acquisition unit, used for acquiring channel feature information corresponding to the insurance source if the insurance source is not a preset standardized insurance source;

[0020] A logic arrangement unit, used to obtain data arrangement logic corresponding to the insurance source according to the channel characteristic information, so as to arrange the insurance policy information according to the data arrangement logic and obtain the acceptance form information corresponding to the insurance policy information;

[0021] A verification and acquisition unit, used to verify the acceptance form information according to a preset preservation rule set and obtain the verification result corresponding to the insurance policy information;

[0022] The acceptance completion unit is used to complete the acceptance of the policy information if the verification passes.

[0023] In a third aspect, the present application further provides a computer device, including:

[0024] Memory and processor;

[0025] The memory is used to store computer programs;

[0026] The processor is used to execute the computer program and implement the steps of the standardized acceptance method described in the first aspect when executing the computer program.

[0027] In a fourth aspect, the present application further provides 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 processor implements the steps of the standardized acceptance method as described in the first aspect above.

[0028] The present application discloses a standardized acceptance method, device, computer equipment and storage medium. The method first obtains the insurance policy information to be uploaded and the insurance source corresponding to the insurance policy information; then, if the insurance source is not a preset standardized insurance source, obtains the channel characteristic information corresponding to the insurance source; then, according to the channel characteristic information, obtains the data arrangement logic corresponding to the insurance source, arranges the insurance policy information according to the data arrangement logic, and obtains the acceptance form information corresponding to the insurance policy information; further, the acceptance form information is verified according to the preset preservation rule set, and the verification result corresponding to the insurance policy information is obtained; finally, if the verification passes, the acceptance of the insurance policy information is completed.

[0029] Furthermore, the provided method can determine the data arrangement logic of the policy information of non-standardized insurance sources according to the channel characteristic information of the insurance source to generate the acceptance form information corresponding to the policy information, and then verify the acceptance form information through the preset preservation rule set. It can realize the standardized acceptance of non-standard insurance policy information from multiple insurance sources. It can reduce the development cycle, support other non-core business support services, improve customer experience and avoid unnecessary losses caused by non-standard sources.

[0030] It should be understood that the foregoing general description and the following detailed description are exemplary and explanatory only and are not restrictive of the present application. BRIEF DESCRIPTION OF THE DRAWINGS

[0031] In order to more clearly illustrate the technical solutions of the embodiments of the present application, the drawings required for use in the description of the embodiments will be briefly introduced below. Obviously, the drawings described below are some embodiments of the present application. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying any creative work.

[0032] Figure 1 is a schematic flow chart of the steps of a standardized acceptance method provided by an embodiment of the present application;

[0033] Figure 2 This is a flowchart showing the steps of a method for obtaining an insurance source provided in an embodiment of the present application;

[0034] Figure 3 is a schematic flow chart of the steps of a method for obtaining data arrangement logic provided in an embodiment of the present application;

[0035] Figure 4 It is a structural schematic diagram of a standardized acceptance device provided in one embodiment of the present application;

[0036] Figure 5 It is a schematic block diagram of the structure of a computer device provided in one embodiment of the present application.

[0037] It should be understood that the foregoing general description and the following detailed description are exemplary and explanatory only and are not restrictive of the present application. DETAILED DESCRIPTION

[0038] The following will be combined with the drawings in the embodiments of the present application to clearly and completely describe the technical solutions in the embodiments of the present application. Obviously, the described embodiments are part of the embodiments of the present application, not all of the embodiments. Based on the embodiments in the present application, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of this application.

[0039] The flowcharts shown in the accompanying drawings are only examples and do not necessarily include all the contents and operations / steps, nor must they be executed in the order described. For example, some operations / steps may be decomposed, combined or partially merged, so the actual execution order may change according to actual conditions.

[0040] It should be understood that, in order to facilitate the clear description of the technical solutions of the embodiments of the present invention, in the embodiments of the present invention, the words "first", "second", etc. are used to distinguish the same items or similar items with substantially the same functions and effects. Those skilled in the art can understand that the words "first", "second", etc. do not limit the quantity and execution order, and the words "first", "second", etc. do not necessarily limit the difference.

[0041] It should be understood that the terms used in this application specification are only for the purpose of describing specific embodiments and are not intended to limit the application. As used in this application specification and the appended claims, unless the context clearly indicates otherwise, the singular forms "a", "an" and "the" are intended to include plural forms.

[0042] It should also be understood that the term “and / or” used in the specification and appended claims refers to any and all possible combinations of one or more of the associated listed items, and includes these combinations.

[0043] In conjunction with the accompanying drawings, some embodiments of the present application are described in detail below. In the absence of conflict, the following embodiments and features in the embodiments can be combined with each other.

[0044] In recent years, with the launch of various different ranges of insurance, the development of insurance business has rapidly shifted from the previous strategy of mainly serving individual customers and self-operated channels (APP, official website) to access based on personalized and diversified market demand (such as conversion of customer groups to third-party channels, mini-programs, corporate customers), resulting in an increasing amount of insurance policies from non-standard channels among the sources of insurance policies accepted by the corresponding financial system.

[0045] The current old insurance preservation acceptance method has problems such as single policy function, simple business scenario support, and the use of traditional monolithic architecture in the system. There are many non-standard business process function interfaces, and each third-party channel has its own interface specifications and data requirements, which leads to defects such as low automation, unstable services, and high system maintenance costs in the policy acceptance process in the financial system. Ultimately, it leads to major problems such as poor customer experience, inability to close the business loop, high complaint rates, and even inconsistent policy data acceptance causing asset losses.

[0046] To solve the above problems, please refer to Figure 1 , Figure 1 This is a schematic flow chart of a standardized acceptance method provided by an embodiment of the present application. The standardized acceptance method can be implemented by a computer device, which can be deployed on a single server or a server cluster. It can also be deployed on a handheld terminal, a laptop computer, a wearable device or a robot, etc.

[0047] The provided method can be applied in the financial field to achieve standardized acceptance of different insurance sources, whether standardized or non-standard, and ensure that the financial system can perform standardized management of various insurance materials.

[0048] To solve the above problems, please refer to Figure 1 Specifically, Figure 1 As shown, the provided method includes steps S101 to S105. The details are as follows:

[0049] S101. Obtain the insurance policy information to be uploaded and the insurance source corresponding to the insurance policy information.

[0050] Specifically, when the server corresponding to the method provided in this application receives insurance policy information uploaded through any channel, it is necessary to conduct a combined analysis of the insurance policy information and its corresponding insurance source to ensure that each insurance policy information can be accepted in a standardized manner to prevent non-standard information from bypassing monitoring and being accepted.

[0051] S102. If the insurance source is not a preset standardized insurance source, obtain channel characteristic information corresponding to the insurance source.

[0052] Specifically, when the server detects that the insurance source corresponding to any insurance policy is not a preset standardized insurance source (such as a third-party channel, a mini-program, or a corporate customer, and the non-standardized insurance source is formulated according to the needs of the financial system, which is not limited in the present embodiment), it is necessary to promptly obtain the channel characteristic information corresponding to the insurance source, that is, the data transmission characteristics, insurance policy type characteristics, and past transaction record characteristics of the non-standardized insurance source in the financial system. In this way, the acceptance method for each non-standardized insurance policy information can be determined in a timely manner.

[0053] In some embodiments, obtaining the channel characteristic information corresponding to the insurance source includes: re-querying the historical insurance information corresponding to the insurance source in the financial system, parsing the historical insurance information to determine the channel characteristic information corresponding to the insurance source; or sending characteristic test information to the terminal corresponding to the insurance source, receiving the test result returned by the terminal corresponding to the insurance source, and determining the channel characteristic information corresponding to the insurance terminal based on the test result. Therefore, the provided method can easily obtain the channel characteristic information of the insurance source.

[0054] In some embodiments, Figure 2 As shown, obtaining the insurance policy information to be uploaded and the insurance source corresponding to the insurance policy information includes steps S102a to S102b.

[0055] like Figure 2 As shown, the provided method comprises the following steps:

[0056] S102a. When receiving the policy acceptance request, obtain the identification information of the sender corresponding to the policy acceptance request;

[0057] S102b. Obtain the insurance source corresponding to the identification information in a preset financial system according to the identification information.

[0058] Furthermore, the provided method can quickly determine the insurance source corresponding to the insurance policy information according to the insurance policy information corresponding to the insurance policy acceptance request when receiving any insurance policy acceptance request. At the same time, it can also promptly issue an early warning for the inquiries of abnormal insurance sources.

[0059] Exemplarily, before obtaining the channel characteristic information corresponding to the insured source, it also includes: obtaining the protocol type corresponding to the insured source in the financial system; parsing the policy information according to the protocol type, and performing a legitimacy check on the parsed policy information; if the policy information fails the legitimacy check, returning the policy information to the sending end, and adding a risk identifier to the identification information corresponding to the insured source in the financial system to intercept the policy acceptance request of the insured source that fails the legitimacy check.

[0060] When the server confirms that the policy information is sent by a non-standardized insurance source, it can quickly verify its legitimacy through the provided method, and can also perform security and integrity checks to ensure that the received policy information is legal. For policy information that fails the verification, the provided method can promptly intercept and return the policy information and add a risk mark to the insurance source, so that the insurance source can be blacklisted or the policy information of the insurance source can be manually reviewed, etc., to further improve the security of the financial system.

[0061] S103. Obtain the data arrangement logic corresponding to the insurance source according to the channel characteristic information, arrange the insurance policy information according to the data arrangement logic, and obtain the acceptance form information corresponding to the insurance policy information.

[0062] Specifically, the server can quickly determine the data arrangement logic corresponding to the policy information of the insurance source based on the channel characteristic information of the insurance source corresponding to the non-standardized policy information, that is, how to arrange different policy information into corresponding standardized acceptance form information, so as to ensure the correct acceptance of each policy information.

[0063] In some embodiments, Figure 3 As shown, the data arrangement logic corresponding to the insurance source is obtained according to the channel characteristic information, including steps S103a to S103c.

[0064] like Figure 3 As shown, the provided method comprises the following steps:

[0065] S103a. Obtaining the channel feature vector corresponding to the channel feature information;

[0066] S103b. Input the channel feature vector into the preset logic arrangement model, the logic arrangement model parses the channel feature vector, outputs the message parsing method corresponding to the policy information, the input parameter conversion method, the price inquiry calculation method, the data information attachment upload method and the data filtering method;

[0067] S103c. Construct the data arrangement logic corresponding to the insurance source according to the message parsing method, input parameter conversion method, quotation calculation method, data information attachment upload method and data filtering method.

[0068] Furthermore, the provided method can first obtain the driving feature vector corresponding to the channel feature through a method such as encoding, and then input it into the preset logical arrangement model. The logical arrangement model can be a neural network model or a machine learning model, and then it can be combined with the channel feature vector for analysis, and the message parsing method, input parameter conversion method, inquiry and calculation method, data information attachment upload method and data filtering method corresponding to the insurance policy information can be output. The corresponding data arrangement model is constructed according to the message parsing method, input parameter conversion method, inquiry and calculation method, data information attachment upload method and data filtering method corresponding to the insurance policy information. Furthermore, the provided method can determine the corresponding data arrangement method for different insurance sources.

[0069] S104. Verify the acceptance form information according to the preset preservation rule set and obtain the verification result corresponding to the insurance policy information.

[0070] Specifically, the server is preset with a complete set of preservation rules, which is formulated based on the insurance policy business corresponding to the financial system, preservation business, security compliance strategy and other multi-party rule requirements, thereby ensuring that the compiled acceptance form information can meet the corresponding requirements of the financial system, so as to complete the acquisition of the verification results corresponding to the original insurance policy information.

[0071] In some embodiments, the preservation rule set includes multiple sub-rules, and the sub-rules include at least any one of the insurance policy business rules, preservation business rules, and security compliance rules; the acceptance form information is verified according to the preset preservation rule set, including: verifying the acceptance form information according to each sub-rule at the same time, and obtaining the sub-verification result corresponding to each sub-rule; generating the verification result corresponding to the acceptance form information based on multiple sub-verification results.

[0072] The server establishes multiple sub-rules based on the characteristics of the financial system, and the provided method uses multiple sub-cabinets to verify the acceptance form information in parallel. Then, the verification result corresponding to each sub-rule can be accurately obtained to realize parallel and multi-dimensional verification of insurance policy information.

[0073] Exemplarily, a verification result corresponding to the acceptance form information is generated based on multiple sub-verification results; including: obtaining the verification type corresponding to each sub-rule; generating the influencing factor corresponding to each sub-rule based on the verification type and channel characteristic information; determining the target sub-rule in the sub-rule based on the influencing factor corresponding to each sub-rule; generating the verification result corresponding to the acceptance form information based on the sub-verification result of the target sub-rule.

[0074] Furthermore, the provided method can determine the influencing factors corresponding to each sub-rule in combination with the channel characteristic information, that is, determine the sub-rules that are more important to the insurance source, and then flexibly select the corresponding target sub-rules from multiple sub-rules for verification.

[0075] Exemplarily, the provided method can realize synchronous verification and asynchronous acceptance of insurance policy information. Synchronous verification and asynchronous acceptance are divided into two steps. The first step: based on the verification results of all asynchronous task rules of preservation, ACT ION_TYPES are aggregated and summarized in order of priority; specifically, the result is obtained according to the ACT ION_TYPES list to define the actionType priority order: the actionType priority order is designed to be BLOCK>CONFI RM>WARN I NG>PASS>NONE. This specific aggregation logic merges the results of each rule verification unit into a comprehensive result Result. If blocked, it provides specific blocking information details. This comprehensive result Result reflects the verification status of the preservation rule set and provides conditional judgment for subsequent decision-making.

[0076] The second step is asynchronous acceptance: after the rule verification is completed, the channel or customer can be fed back that the preservation application has been verified and the acceptance result is successful. This design pattern avoids the long waiting time for the channel customer to respond to the acceptance result, which affects the user experience, and then turns to a unified solution within the system to ensure data consistency and the final consistency of the customer channel request acceptance. The asynchronous solution uses ThreadPool TaskExecutor asynchronous processing + message notification to promote the storage of the acceptance form, and drives the subsequent process of the acceptance form through message events to achieve the final preservation transaction.

[0077] S105. If the verification passes, the acceptance of the policy information is completed.

[0078] Specifically, when the verification is passed, it is determined that the policy information of the non-standardized insurance source meets the requirements. At this time, the server can upload the policy information or acceptance form information to the financial system to complete the acceptance of the policy information. This can reduce the development cycle, support other non-core business support services, improve customer experience and avoid unnecessary losses caused by non-standard sources.

[0079] In some embodiments, standardized insurance sources include online standard channels and offline channels; the method also includes: if the insurance source is an online standard channel, assembling and preserving the policy information; the assembly and preservation verification includes one or more of personal information change verification, payment account change verification, supplementary notification verification, reduction of persons verification and cancellation verification, so as to accept the insurance policy information that has completed the assembly and preservation verification; and / or, if the insurance source is an offline channel, checking whether the insurance policy information meets the unified acceptance standards, so as to accept the insurance policy information that meets the unified acceptance standards.

[0080] For standardized online and offline channels, this application is distributed through assembly, preservation and verification of online channels and determination of compliance with unified acceptance standards for offline channels (such as whether the format and content of submitted forms comply with unified acceptance standards). The method provided can achieve standardized acceptance of insurance information in non-standardized channels and multiple standardized channels.

[0081] In some embodiments, the present application targets non-standard channels, such as formulating an anti-corruption layer to identify and classify channels or complete (source of task initiator) parameter items by parsing the agreed identifier (source of insurance policy) in the request, so that the security system can identify these channels and verify the legality, integrity and security of their request data; intercept illegal requests and enter the exception handling process (such as recording source IP, logs, etc.) to ensure the security and stability of the security system itself; request verification by allocating corresponding logical orchestration capabilities to it. These functional logics are usually customized according to channel characteristics, including data message parsing, mapstruct input parameter conversion, insurance policy rule verification, inquiry calculation, data information attachment upload, filtering and other processes; and then assemble the application context object acceptance form information.

[0082] At the same time, the context object acceptance form information is assembled based on the anti-corrosion layer, and then it is verified according to the configured specific preservation rule set: through the extraction of rule design, each rule of the rule set can be executed as an independent running processing unit by the task (the thread is assigned by the thread pool to run), and the fail_fast mode is used to decide whether to break or continue in the processing of the verification results; these rules involve multiple rule requirements such as insurance policy business, preservation business, security compliance strategy, etc.; due to the large number of rules, this solution adopts the CompleteFuture parallel processing method, which can run multiple rules for verification at the same time, and the completion result of each rule verification can be selectively recorded according to the priority, avoiding the overall delay caused by the slow processing of a certain rule, thereby greatly improving the processing efficiency.

[0083] See also Figure 4 As shown, Figure 4 1 is a schematic diagram of the structure of the standardized acceptance device 200 provided in an embodiment of the present application. The standardized acceptance device 200 is used to execute the steps of the standardized acceptance method shown in the above embodiments. The standardized acceptance device 200 can be a single server or a server cluster, or the standardized acceptance device 200 can be a terminal, which can be a handheld terminal, a laptop computer, a wearable device or a robot, etc.

[0084] like Figure 4 As shown, the standardized acceptance device 200 includes:

[0085] The information acquisition unit 201 is used to acquire the insurance policy information to be uploaded and the insurance source corresponding to the insurance policy information;

[0086] A feature acquisition unit 202 is used to acquire channel feature information corresponding to the insurance source if the insurance source is not a preset standardized insurance source;

[0087] The logic arrangement unit 203 is used to obtain the data arrangement logic corresponding to the insurance source according to the channel characteristic information, so as to arrange the insurance policy information according to the data arrangement logic and obtain the acceptance form information corresponding to the insurance policy information;

[0088] The verification acquisition unit 204 is used to verify the acceptance form information according to the preset preservation rule set and obtain the verification result corresponding to the insurance policy information;

[0089] The acceptance completion unit 205 is used to complete the acceptance of the insurance policy information if the verification passes.

[0090] It should be noted that technical personnel in the relevant field can clearly understand that, for the convenience and conciseness of description, the specific working processes of the standardized acceptance device and each module described above can refer to the corresponding processes in the standardized acceptance method embodiments described in the above embodiments, and will not be repeated here.

[0091] The above-mentioned standardized acceptance method can be implemented in the form of a computer program. The computer program can be used in Figure 4 Run on the device shown.

[0092] See also Figure 5 , Figure 5 1 is a schematic block diagram of the structure of a computer device provided in an embodiment of the present application. The computer device includes a processor, a memory and a network interface connected via a device bus, wherein the memory may include a storage medium and an internal memory.

[0093] The storage medium can store an operating device and a computer program. The computer program includes program instructions, and when the program instructions are executed, the processor can execute any standardized acceptance method.

[0094] The processor is used to provide computing and control capabilities and support the operation of the entire computer equipment.

[0095] The internal memory provides an environment for the operation of a computer program in a non-volatile storage medium. When the computer program is executed by a processor, the processor can execute any standardized acceptance method.

[0096] The network interface is used for network communication, such as sending assigned tasks, etc. Those skilled in the art will understand that Figure 5 The structure shown in the figure is only a block diagram of a part of the structure related to the scheme of the present application, and does not constitute a limitation on the terminal to which the scheme of the present application is applied. The specific computer device may include more or fewer components than those shown in the figure, or combine certain components, or have a different arrangement of components.

[0097] It should be understood that the processor may be a central processing unit (CPU), and the processor may also be other general-purpose processors, digital signal processors (DSP), application-specific integrated circuits (ASIC), field-programmable gate arrays (FPGA) or other programmable logic devices, discrete gate or transistor logic devices, discrete hardware components, etc. Among them, the general-purpose processor may be a microprocessor or the processor may also be any conventional processor, etc.

[0098] In one embodiment, the processor is used to run a computer program stored in the memory to implement the following steps:

[0099] Obtain the insurance policy information to be uploaded and the insurance source corresponding to the insurance policy information;

[0100] If the insurance source is not the preset standardized insurance source, obtain the channel characteristic information corresponding to the insurance source;

[0101] According to the channel characteristic information, the data arrangement logic corresponding to the insurance source is obtained, so as to arrange the insurance policy information according to the data arrangement logic and obtain the acceptance form information corresponding to the insurance policy information;

[0102] Verify the acceptance form information according to the preset preservation rule set and obtain the verification result corresponding to the policy information;

[0103] If the verification passes, the acceptance of the policy information is completed.

[0104] In some embodiments, data orchestration logic corresponding to the insurance source is obtained according to channel characteristic information, including: obtaining a channel characteristic vector corresponding to the channel characteristic information; inputting the channel characteristic vector into a preset logic orchestration model, the logic orchestration model parses the channel characteristic vector, and outputs a message parsing method, input parameter conversion method, quotation calculation method, data information attachment upload method and data filtering method corresponding to the policy information; and constructing the data orchestration logic corresponding to the insurance source according to the message parsing method, input parameter conversion method, quotation calculation method, data information attachment upload method and data filtering method.

[0105] In some embodiments, the preservation rule set includes multiple sub-rules, and the sub-rules include at least any one of the insurance policy business rules, preservation business rules, and security compliance rules; the acceptance form information is verified according to the preset preservation rule set, including: verifying the acceptance form information according to each sub-rule at the same time, and obtaining the sub-verification result corresponding to each sub-rule; generating the verification result corresponding to the acceptance form information based on multiple sub-verification results.

[0106] Exemplarily, a verification result corresponding to the acceptance form information is generated based on multiple sub-verification results; including: obtaining the verification type corresponding to each sub-rule; generating the influencing factor corresponding to each sub-rule based on the verification type and channel characteristic information; determining the target sub-rule in the sub-rule based on the influencing factor corresponding to each sub-rule; generating the verification result corresponding to the acceptance form information based on the sub-verification result of the target sub-rule.

[0107] In some embodiments, obtaining the insurance policy information to be uploaded and the insurance source corresponding to the insurance policy information includes: when receiving the insurance policy acceptance request, obtaining the identification information of the sending end corresponding to the insurance policy acceptance request; and obtaining the insurance source corresponding to the identification information in a preset financial system based on the identification information.

[0108] Exemplarily, before obtaining the channel characteristic information corresponding to the insured source, it also includes: obtaining the protocol type corresponding to the insured source in the financial system; parsing the policy information according to the protocol type, and performing a legitimacy check on the parsed policy information; if the policy information fails the legitimacy check, returning the policy information to the sending end, and adding a risk identifier to the identification information corresponding to the insured source in the financial system to intercept the policy acceptance request of the insured source that fails the legitimacy check.

[0109] In some embodiments, standardized insurance sources include online standard channels and offline channels; the method also includes: if the insurance source is an online standard channel, assembling and preserving the policy information; the assembly and preservation verification includes one or more of personal information change verification, payment account change verification, supplementary notification verification, reduction of persons verification and cancellation verification, so as to accept the insurance policy information that has completed the assembly and preservation verification; and / or, if the insurance source is an offline channel, checking whether the insurance policy information meets the unified acceptance standards, so as to accept the insurance policy information that meets the unified acceptance standards.

[0110] A computer-readable storage medium is also provided in an embodiment of the present application, wherein the computer-readable storage medium stores a computer program, wherein the computer program includes program instructions, and the processor executes the program instructions to implement the steps of the standardized acceptance method provided in the above-mentioned embodiments of the present application.

[0111] The computer-readable storage medium may be an internal storage unit of the computer device described in the foregoing embodiment, such as a hard disk or memory of the computer device. The computer-readable storage medium may also be an external storage device of the computer device, such as a plug-in hard disk, a smart memory card (SmartMedia Card, SMC), a secure digital (Secure Digital, SD) card, a flash card (Flash Card), etc., equipped on the computer device.

[0112] The above is only a specific implementation of the present application, but the protection scope of the present application is not limited thereto. Any technician familiar with the technical field can easily think of various equivalent modifications or replacements within the technical scope disclosed in the present application, and these modifications or replacements should be included in the protection scope of the present application. Therefore, the protection scope of the present application shall be based on the protection scope of the claims.

Claims

1. A standardized acceptance method, characterized in that: include: Obtain the insurance policy information to be uploaded and the insurance source corresponding to the insurance policy information; If the insurance source is not a preset standardized insurance source, obtaining channel characteristic information corresponding to the insurance source; Acquire the data arrangement logic corresponding to the insurance source according to the channel characteristic information, arrange the insurance policy information according to the data arrangement logic, and acquire the acceptance form information corresponding to the insurance policy information; Verify the acceptance form information according to a preset preservation rule set to obtain a verification result corresponding to the policy information; If the verification passes, the acceptance of the insurance policy information is completed.

2. The method according to claim 1, characterized in that The data arrangement logic corresponding to the insurance source is obtained according to the channel characteristic information, including: Obtaining a channel feature vector corresponding to the channel feature information; The channel feature vector is input into a preset logic arrangement model, and the logic arrangement model parses the channel feature vector and outputs a message parsing method, an input parameter conversion method, a price inquiry calculation method, a data information attachment upload method, and a data filtering method corresponding to the policy information; The data arrangement logic corresponding to the insurance source is constructed according to the message parsing method, input parameter conversion method, quotation calculation method, data information attachment uploading method and data filtering method.

3. The method according to claim 1, characterized in that The preservation rule set includes a plurality of sub-rules, and the sub-rules include at least one of a policy business rule, a preservation business rule, and a security compliance rule; the verification of the acceptance form information according to the preset preservation rule set includes: At the same time, the acceptance form information is verified according to each of the sub-rules to obtain the sub-verification result corresponding to each of the sub-rules; Generate a verification result corresponding to the acceptance form information based on the multiple sub-verification results.

4. The method according to claim 3, characterized in that Generating the verification result corresponding to the acceptance form information according to the plurality of sub-verification results; comprising: Get the verification type corresponding to each sub-rule; Generate an influencing factor corresponding to each of the sub-rules according to the verification type and the channel characteristic information; Determine a target sub-rule in the sub-rules according to the influencing factors corresponding to each of the sub-rules; Generate a verification result corresponding to the acceptance form information according to the sub-verification result of the target sub-rule.

5. The method according to claim 1, characterized in that Obtain the insurance policy information to be uploaded and the insurance source corresponding to the insurance policy information, including: Upon receiving a policy acceptance request, obtaining identification information of a sending end corresponding to the policy acceptance request; The insurance source corresponding to the identification information is obtained in a preset financial system according to the identification information.

6. The method according to claim 5, characterized in that Before obtaining the channel characteristic information corresponding to the insurance source, the method further includes: Obtaining the agreement type corresponding to the insurance source in the financial system; Parsing the insurance policy information according to the protocol type, and performing a legality check on the parsed insurance policy information; If the policy information fails to pass the legality check, the policy information is returned to the sending end, and a risk identifier is added to the identification information corresponding to the insurance source in the financial system to intercept the policy acceptance request of the insurance source that fails to pass the legality check.

7. The method according to claim 1, characterized in that The standardized insurance source includes online standard channels and offline channels; the method also includes: If the insurance source is the online standard channel, the insurance policy information is assembled and verified; the assembly and verification includes one or more of personal information change verification, payment account change verification, supplementary notification verification, reduction of persons verification and cancellation verification, so as to accept the insurance policy information that has completed the assembly and verification; and / or, If the insurance source is the offline channel, check whether the insurance policy information meets the unified acceptance standards, so as to accept the insurance policy information that meets the unified acceptance standards.

8. A standardized acceptance device, characterized in that: include: An information acquisition unit, used to acquire the insurance policy information to be uploaded and the insurance source corresponding to the insurance policy information; A feature acquisition unit, configured to acquire channel feature information corresponding to the insurance source if the insurance source is not a preset standardized insurance source; A logic arrangement unit, used to obtain the data arrangement logic corresponding to the insurance source according to the channel characteristic information, so as to arrange the insurance policy information according to the data arrangement logic and obtain the acceptance form information corresponding to the insurance policy information; A verification and acquisition unit, used to verify the acceptance form information according to a preset preservation rule set, and obtain a verification result corresponding to the insurance policy information; The acceptance completion unit is used to complete the acceptance of the insurance policy information if the verification passes.

9. A computer device, characterized in that: The computer device includes a memory and a processor; The memory is used to store computer programs; The processor is configured to execute the computer program and implement the method according to any one of claims 1 to 7 when executing the computer program.

10. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores a computer program, which, when executed by a processor, causes the processor to implement the method according to any one of claims 1 to 7.

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