Insurance financial accounting method and device, computer equipment and storage medium

Abstract

The invention discloses an insurance financial accounting method and device, computer equipment and a storage medium, and belongs to the field of financial science and technology and the technical field of big data. The method comprises the following steps: firstly, receiving and analyzing a data accounting instruction, and determining a current accounting period; then, the insurance policy underwritten in the period is read, basic information of the insurance policy is obtained, and the effective time of the insurance policy is inquired based on the information; then, according to the effective time of the insurance policy and the current accounting period, the insurance policy account type is classified as account payable or prepayment, an insurance policy set corresponding to the current accounting period is constructed, and all the insurance policies payable are stored in the insurance policy set; and finally, accounting the income and expenditure data of the insurance policy set, and outputting an accounting result. The invention further relates to the technical field of block chains, and basic information of the insurance policy is stored on a block chain network. The method can effectively reduce mismatching conditions generated during insurance premium income and cost accounting, and improves the reliability and accuracy of financial statements of insurance companies.

Description

Technical Field

[0001] The present application belongs to the field of financial technology and big data technology, and specifically relates to an insurance financial accounting method, device, computer equipment and storage medium. Background Art

[0002] As the scope of insurance business becomes wider and wider, the operation of insurance companies is increasingly dependent on the reliability of information systems, among which the reliability of financial systems is particularly important. Due to the characteristics of the business, the financial system often encounters a mismatch between income and costs during automatic accounting, which violates the accounting principle of cost-income matching and the principle of accounting rigor. For example, if a policy is underwritten this month and takes effect next month or later, then usually in this case, the handling fee cost will be accrued or paid this month, but the premium income of the corresponding policy will not be recognized until next month or later, resulting in the fact that the income and costs cannot be in the same financial accounting month. In the insurance field, the prerequisite for confirming premium income is that the policy takes effect, while the prerequisite for confirming the handling fee and commission cost is that the policy is underwritten and the payment has been received. The inconsistent standards for confirmation on both sides have led to a mismatch between the handling fee and commission costs and premium income in many insurance companies, and the handling fee and commission costs are higher than the premium income of the month in the natural month of financial accounting. Such inconsistency will cause problems with the accuracy of financial accounting and will also lead to deviations in some indicator data of the company's financial reports.

[0003] In order to reduce the financial risk and management risk in this regard, many insurance companies are currently pursuing the best possible match between the company's revenue and costs, truthfully reporting the real situation of the business, and making the changes in revenue and costs as smooth as possible. Some insurance companies are exploring ways to achieve the matching of revenue and costs, but because the implementation plan lacks systematization and is highly one-sided, the solution to the matching of revenue and costs is not satisfactory. Summary of the invention

[0004] The purpose of the embodiments of the present application is to propose an insurance financial accounting method, device, computer equipment and storage medium to solve the problem of matching the income and costs of an insurance company, so that the insurance company's finances can truthfully reflect the business operation status, thereby improving the authenticity and accuracy of financial data.

[0005] In order to solve the above technical problems, the present application embodiment provides an insurance financial accounting method, which adopts the following technical solutions:

[0006] An insurance financial accounting method, comprising:

[0007] Receive data calculation instructions, parse the data calculation instructions to determine the current calculation time period;

[0008] Read the insurance policies that have been underwritten within the current accounting time period and obtain the basic information of the insurance policies;

[0009] Query the policy effective date based on the basic information of the insurance policy;

[0010] Classify the account types of insurance policies according to the policy effective time and the current accounting time period, where the account types include accounts payable and prepaid accounts;

[0011] Constructing a policy set corresponding to the current accounting time period to obtain a first policy set, and storing all accounts payable policies within the current accounting time period into the first policy set;

[0012] Use the preset accounting rules to calculate the income and expenditure data of the first policy set, and output the policy income and expenditure calculation results.

[0013] Furthermore, after the step of classifying the insurance policies into account types according to the policy effective time and the current accounting time period, the method further includes:

[0014] Determine the insurance policy with the account type being prepaid account, and obtain the prepaid account insurance policy;

[0015] Determine the matching accounting time period of the prepaid account insurance policy based on the policy effective date of the prepaid account insurance policy;

[0016] Constructing a policy set corresponding to the matching accounting time period to obtain a second policy set, and storing the prepaid account policy in the second policy set;

[0017] Use accounting rules to calculate the income and expenditure data of the second policy set.

[0018] Furthermore, the step of classifying the insurance policy accounts receivable type according to the policy effective time and the current accounting time period specifically includes:

[0019] Determine whether the policy effective date is within the current accounting period;

[0020] If the policy comes into effect within the current accounting time period, the insurance policy is classified as accounts payable;

[0021] If the policy effective date is not within the current accounting time period, the insurance policy will be classified as prepaid expenses.

[0022] Furthermore, before the step of classifying the insurance policies into account types according to the policy effective time and the current accounting time period, the method further includes:

[0023] Identifying the payment status of the insurance policy, wherein the payment status includes paid and unpaid;

[0024] If the insurance policy is an unpaid policy, payment reminder information of the unpaid policy is generated and the payment reminder information is output.

[0025] Furthermore, the steps of reading the insurance policies completed within the current accounting time period and obtaining basic information of the insurance policies specifically include:

[0026] Read the insurance policies that have been underwritten within the current accounting time period and generate a key pair for the insurance policy, where the key pair includes an encryption key and a decryption key;

[0027] Encrypt the basic information of the insurance policy using the encryption key to obtain the encrypted information of the insurance policy;

[0028] The policy encrypted information is transmitted, and after the information transmission is completed, the policy encrypted information is decrypted using the decryption key to obtain the basic information of the insurance policy.

[0029] Furthermore, the steps of transmitting the encrypted information of the insurance policy and decrypting the encrypted information of the insurance policy using the decryption key after the information transmission is completed to obtain the basic information of the insurance policy specifically include:

[0030] Add the policy encryption information to the preset message queue;

[0031] Use asynchronous message loading to read and forward policy encryption information in the message queue;

[0032] After the message is forwarded, the decryption key is used to decrypt the policy encryption information to obtain the basic information of the insurance policy.

[0033] Furthermore, after reading the insurance policy completed within the current accounting time period and generating the key pair of the insurance policy, it also includes:

[0034] Store the encryption key in the blockchain network and broadcast the encryption key in each node of the blockchain network;

[0035] The steps of using the encryption key to encrypt the basic information of the insurance policy to obtain the encrypted information of the insurance policy include:

[0036] Store the basic information of the insurance policy on the matching target blockchain node;

[0037] The basic information of the insurance policy is encrypted based on the encryption key in the target blockchain node to obtain the policy encrypted information.

[0038] In order to solve the above technical problems, the embodiment of the present application further provides an insurance financial accounting device, which adopts the following technical solution:

[0039] An insurance financial accounting device, comprising:

[0040] The calculation cycle module is used to receive data calculation instructions, parse the data calculation instructions and determine the current calculation time cycle;

[0041] The insurance policy module is used to read the insurance policies that have been underwritten within the current accounting period and obtain the basic information of the insurance policies;

[0042] The effective query module is used to query the effective time of the insurance policy based on the basic information of the insurance policy;

[0043] The account classification module is used to classify the account types of insurance policies according to the policy effective time and the current accounting time period, where the account types include accounts payable and prepaid accounts;

[0044] The insurance policy storage module is used to construct an insurance policy set corresponding to the current accounting time period, obtain a first insurance policy set, and store all accounts payable insurance policies within the current accounting time period into the first insurance policy set;

[0045] The data accounting module is used to calculate the income and expenditure data of the first insurance policy set using preset accounting rules and output the insurance policy income and expenditure accounting results.

[0046] In order to solve the above technical problems, the embodiment of the present application further provides a computer device, which adopts the following technical solution:

[0047] A computer device comprises a memory and a processor, wherein the memory stores computer-readable instructions, and the processor implements the steps of any one of the above-mentioned insurance financial accounting methods when executing the computer-readable instructions.

[0048] In order to solve the above technical problems, the embodiment of the present application further provides a computer-readable storage medium, which adopts the following technical solution:

[0049] A computer-readable storage medium having computer-readable instructions stored thereon, wherein the computer-readable instructions, when executed by a processor, implement the steps of any of the above-mentioned insurance financial accounting methods.

[0050] Compared with the prior art, the embodiments of the present application have the following beneficial effects:

[0051] The present application discloses an insurance financial accounting method, device, computer equipment and storage medium, which belong to the fields of financial technology and big data technology. First, receive and parse the data accounting instructions to determine the current accounting cycle; then, read the insurance policies insured within the cycle, obtain the basic information of the insurance policies, and query the effective time of the insurance policies based on this information. Next, according to the effective time of the insurance policy and the current accounting cycle, classify the insurance policy account type into accounts payable or prepaid accounts, construct a policy set corresponding to the current accounting cycle, and store all accounts payable policies in it. Finally, use the preset accounting rules to calculate the income and expenditure data of the policy set, and output the accounting results. This application solves the financial accounting problem caused by the inconsistency between premium income and cost recognition standards through the refined classification and management of policy effective time, accounting cycle and account type. By classifying accounts payable and prepaid accounts, establishing corresponding policy sets, and using accounting rules to calculate income and expenditure data, it can effectively reduce the mismatch between premium income and cost accounting, improve the accuracy of financial accounting, reduce the deviation of financial report data caused by differences in accounting cycles, and thus improve the reliability and accuracy of insurance company financial statements. BRIEF DESCRIPTION OF THE DRAWINGS

[0052] In order to more clearly illustrate the scheme in the present application, a brief introduction is given below to the drawings required for use in the description of the embodiments of the present application. 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.

[0053] Figure 1 An exemplary system architecture diagram is shown in which the present application can be applied;

[0054] Figure 2 A flow chart showing an embodiment of the insurance financial accounting method according to the present application;

[0055] Figure 3 A schematic diagram of the structure of an embodiment of an insurance financial accounting device according to the present application is shown;

[0056] Figure 4 A schematic structural diagram of an embodiment of a computer device according to the present application is shown. DETAILED DESCRIPTION

[0057] Unless otherwise defined, all technical and scientific terms used herein have the same meaning as those commonly understood by technicians in the technical field of the present application; the terms used in the specification of the application herein are only for the purpose of describing specific embodiments and are not intended to limit the present application; the terms "including" and "having" and any variations thereof in the specification and claims of the present application and the above-mentioned drawings are intended to cover non-exclusive inclusions. The terms "first", "second", etc. in the specification and claims of the present application or the above-mentioned drawings are used to distinguish different objects, not to describe a specific order.

[0058] Reference to "embodiments" herein means that a particular feature, structure, or characteristic described in conjunction with the embodiments may be included in at least one embodiment of the present application. The appearance of the phrase in various locations in the specification does not necessarily refer to the same embodiment, nor is it an independent or alternative embodiment that is mutually exclusive with other embodiments. It is explicitly and implicitly understood by those skilled in the art that the embodiments described herein may be combined with other embodiments.

[0059] In order to enable those skilled in the art to better understand the solution of the present application, the technical solution in the embodiments of the present application will be clearly and completely described below in conjunction with the accompanying drawings.

[0060] like Figure 1 As shown, the system architecture 100 may include a terminal device 101, a network 102 and a server 103. The terminal device 101 may be a laptop 1011, a tablet computer 1012 or a mobile phone 1013. The network 102 is used to provide a medium for a communication link between the terminal device 101 and the server 103. The network 102 may include various connection types, such as wired, wireless communication links or optical fiber cables.

[0061] The user can use the terminal device 101 to interact with the server 103 through the network 102 to receive or send messages, etc. Various communication client applications can be installed on the terminal device 101, such as web browser applications, shopping applications, search applications, instant messaging tools, email clients, social platform software, etc.

[0062] The terminal device 101 can be various electronic devices with a display screen and supporting web browsing. In addition to the laptop computer 1011, the tablet computer 1012 or the mobile phone 1013, the terminal device 101 can also be an e-book reader, an MP3 player (Moving Picture Experts Group Audio Layer III), an MP4 (Moving Picture Experts Group Audio Layer IV) player, a laptop computer and a desktop computer, etc.

[0063] The server 103 may be a server that provides various services, such as a background server that provides support for a web page displayed on the terminal device 101 .

[0064] It should be noted that the insurance financial accounting method provided in the embodiment of the present application is generally executed by a server / terminal device, and accordingly, the insurance financial accounting device is generally set in the server / terminal device.

[0065] It should be understood that Figure 1 The numbers of terminal devices, networks and servers in the embodiment are merely illustrative. The above system may have any number of terminal devices, networks and servers according to implementation requirements.

[0066] Continue to refer Figure 2 , shows a flow chart of an embodiment of the insurance financial accounting method according to the present application. The insurance financial accounting method comprises the following steps:

[0067] S201, receiving a data calculation instruction, parsing the data calculation instruction to determine a current calculation time period.

[0068] Specifically, the system or method first receives an instruction from the outside, which is related to data accounting and indicates that a financial or data accounting operation needs to be performed. After receiving the instruction, the system will parse it, and needs to analyze and understand the content of the instruction to extract key information in the instruction, such as the scope, time and other conditions of the accounting. Based on the parsed instruction, the system will determine the current accounting time period, that is, clarify the time range involved in the current accounting operation. The current accounting time period can be based on days, months, quarters or other time periods, such as calculating insurance financial data for a certain day.

[0069] S202, reading the insurance policies that have been underwritten within the current accounting time period and obtaining basic information of the insurance policies.

[0070] Specifically, the system first determines the insurance policies that have been completed underwriting within a specific time range (i.e., the current accounting time period), and then obtains the basic information corresponding to these insurance policies that have been completed underwriting, including policy number, policy effective date, policy holder information, premium amount, insurance terms, etc.

[0071] S203, querying the policy effective time based on the basic information of the insurance policy.

[0072] Specifically, the effective date refers to the date when the policy officially takes effect, that is, the time when the insurance liability agreed in the insurance contract begins. This is a very critical time node in the accounting process, because the financial accounting and cost confirmation of insurance policies are often based on the effective date of the policy. The effective date is of great significance in insurance financial accounting, directly affecting the time point of premium income confirmation and related cost accounting. Through this step, the system can accurately determine the effective date of each policy, so as to determine which policies need to be included in the accounting scope in subsequent accounting.

[0073] S204, classifying the insurance policy into account types according to the policy effective time and the current accounting time period, wherein the account types include accounts payable and prepaid accounts.

[0074] Specifically, the system classifies insurance policies into different types of accounts receivable based on the aforementioned time information, and determines the status of the policy within the accounting period by comparing the effective time of the policy with the accounting time period, thereby determining the classification of accounts receivable. Accounts payable refers to insurance policies that the company has insured and has taken effect in the current accounting period. The expenses or costs incurred need to be confirmed or paid in the current period. The insurance policies of accounts payable have taken effect, and the insurance company needs to bear the relevant financial responsibilities; prepaid accounts refer to accounts that have been paid in the current accounting period, but the policies have not yet taken effect. These prepaid items do not constitute the company's current financial burden for the time being, and must wait until the policies take effect before being included in accounts payable.

[0075] In the insurance accounting process, the operation steps of financial classification of insurance policies based on the time dimension are as follows. By comparing the effective time of the insurance policy and the accounting time period, the system classifies the insurance policy as accounts payable or prepaid accounts. This classification not only reflects the status of the insurance policy in the current financial cycle, but also ensures the accurate processing of different types of accounts in the financial statements. By distinguishing between accounts payable and prepaid accounts, insurance companies can have a clearer understanding of the current financial situation and avoid accounting errors caused by time differences.

[0076] S205, constructing a policy set corresponding to the current accounting time period to obtain a first policy set, and storing all accounts payable policies within the current accounting time period into the first policy set.

[0077] Specifically, the system needs to build a policy set based on the current accounting time period to organize the relevant policies within the current accounting time period to form a unified data set. Then the system will store all policies that meet the accounts payable conditions in the first policy set that has been built. Those that are effective and generate financial liabilities within the current accounting time period are classified as accounts payable. These eligible policies are classified and stored in a specific set for subsequent accounting processing.

[0078] S206, using preset accounting rules to calculate the income and expenditure data of the first policy set, and outputting the policy income and expenditure calculation results.

[0079] Specifically, preset accounting rules refer to accounting processing rules set in advance in the system, including revenue recognition, expense matching, amortization method, tax treatment, etc. The preset rules ensure standardization and consistency in the accounting process and comply with relevant financial and legal requirements. These accounting rules are formulated in accordance with accounting standards or the company's internal financial policies to ensure the compliance and accuracy of financial data processing.

[0080] According to the preset accounting rules, the income and expenditure data in the first policy set that has been constructed are calculated and the final accounting results are generated. This process ensures that the processing of financial data complies with established accounting standards, and also provides accurate data support for subsequent financial analysis and report generation.

[0081] In this embodiment, the application solves the financial accounting problem caused by the inconsistency between premium income and cost recognition standards through the refined classification and management of policy effective time, accounting cycle and account type. By classifying accounts payable and prepaid accounts, establishing corresponding policy sets, and using accounting rules to calculate income and expenditure data, it can effectively reduce the mismatch between premium income and cost accounting, improve the accuracy of financial accounting, reduce financial report data deviations caused by differences in accounting cycles, and thereby improve the reliability and accuracy of insurance company financial statements.

[0082] Furthermore, after the step of classifying the insurance policies into account types according to the policy effective time and the current accounting time period, the method further includes:

[0083] Determine the insurance policy with the account type being prepaid account, and obtain the prepaid account insurance policy;

[0084] Determine the matching accounting time period of the prepaid account insurance policy based on the policy effective date of the prepaid account insurance policy;

[0085] Constructing a policy set corresponding to the matching accounting time period to obtain a second policy set, and storing the prepaid account policy in the second policy set;

[0086] Use accounting rules to calculate the income and expenditure data of the second policy set.

[0087] In the above embodiment, based on the classification of insurance policy account types, the processing flow of prepaid insurance policies is further refined, from determining prepaid insurance policies, to determining their matching accounting time period, to constructing and storing them in the corresponding insurance policy set, and finally performing accounting for prepaid insurance policies.

[0088] Further screening of the previous account type classification results ensures that only those policies classified as prepaid accounts are processed. For prepaid account policies, the corresponding accounting time period is determined according to the policy effective time. According to the determined matching accounting time period, the corresponding second policy set is constructed, and the selected prepaid account policies are stored in the second policy set. After the second policy set is constructed and stored, the income and expenditure data in the set are calculated using the established accounting rules.

[0089] Through the above steps, a systematic and automated solution is provided for the management of prepaid account insurance policies, which helps to improve management efficiency, reduce human errors, improve data accuracy, and provide strong support for the company's financial management decisions.

[0090] Furthermore, the step of classifying the insurance policy accounts receivable type according to the policy effective time and the current accounting time period specifically includes:

[0091] Determine whether the policy effective date is within the current accounting period;

[0092] If the policy comes into effect within the current accounting time period, the insurance policy is classified as accounts payable;

[0093] If the policy effective date is not within the current accounting time period, the insurance policy will be classified as prepaid expenses.

[0094] In the above embodiment, the insurance policy is classified as accounts payable or prepaid expenses based on the policy's effective time and the current accounting time period. If the policy's effective time is within the current accounting time period, the insurance policy is classified as accounts payable; if the policy's effective time is not within the current accounting time period, the insurance policy is classified as prepaid expenses.

[0095] Accounts payable have become effective in the current accounting cycle, and the insurance company has assumed the relevant insurance liability. Because the policy has become effective, the insurance company has incurred financial liabilities in the current accounting cycle, so it should be classified as accounts payable. Accounts payable represent the amount that the company needs to pay in the future, reflecting the company's current financial burden or obligation. Prepaid accounts have not yet taken effect in the current accounting cycle, and the insurance company has not yet assumed insurance liability. Since the policy has not yet taken effect, any financial liability related to the policy has not actually occurred. Prepaid accounts represent expenses that the company has paid but has not been confirmed, and usually become accounts payable or other financial burdens in the future.

[0096] Through the above steps, the account types are classified based on the effective time of the policy and the current accounting time period, which improves the accuracy and transparency of financial accounting, ensures that insurance companies can accurately reflect their financial status in accordance with accounting standards, and avoid accounting errors caused by differences in the effective time of the policy.

[0097] Furthermore, before the step of classifying the insurance policies into account types according to the policy effective time and the current accounting time period, the method further includes:

[0098] Identifying the payment status of the insurance policy, wherein the payment status includes paid and unpaid;

[0099] If the insurance policy is an unpaid policy, payment reminder information of the unpaid policy is generated and the payment reminder information is output.

[0100] In the above embodiment, the system identifies the payment status of the insurance policy, where the payment status includes paid and unpaid. The paid status means that the insurance company or the insured has completed the payment of the policy and all related expenses have been paid or processed; the unpaid status means that the insurance company or the insured has not paid the related expenses of the policy and there are still unfinished payment obligations. The system needs to check the payment status of each policy to determine whether it needs to generate payment reminder information.

[0101] The above steps will help insurance companies better manage policy payments, ensure the accuracy and timeliness of financial records, optimize cash flow management, and improve overall operational efficiency.

[0102] Furthermore, the steps of reading the insurance policies completed within the current accounting time period and obtaining basic information of the insurance policies specifically include:

[0103] Read the insurance policies that have been underwritten within the current accounting time period and generate a key pair for the insurance policy, where the key pair includes an encryption key and a decryption key;

[0104] Encrypt the basic information of the insurance policy using the encryption key to obtain the encrypted information of the insurance policy;

[0105] The policy encrypted information is transmitted, and after the information transmission is completed, the policy encrypted information is decrypted using the decryption key to obtain the basic information of the insurance policy.

[0106] In the above embodiment, first, the system reads the insurance policies that have been underwritten within the current accounting time period, and generates a pair of keys for each policy, including an encryption key and a decryption key. The encryption key is used to encrypt the basic information of the policy and generate the encrypted information of the policy, thereby ensuring the security of the policy data during storage and transmission. Next, the encrypted information of the policy will be transmitted to the designated recipient to protect the data from being accessed or tampered with by unauthorized personnel during transmission. After the transmission is completed, the recipient uses the decryption key to decrypt the encrypted information to restore the basic information of the policy, ensuring that the policy data maintains confidentiality and integrity throughout the entire processing process, and preventing data leakage and unauthorized access.

[0107] Through the above steps, not only the security of information transmission is improved, but also the ability to protect sensitive data is enhanced, allowing insurance companies to effectively manage and protect policy information while complying with data protection regulations.

[0108] Furthermore, the steps of transmitting the encrypted information of the insurance policy and decrypting the encrypted information of the insurance policy using the decryption key after the information transmission is completed to obtain the basic information of the insurance policy specifically include:

[0109] Add the policy encryption information to the preset message queue;

[0110] Use asynchronous message loading to read and forward policy encryption information in the message queue;

[0111] After the message is forwarded, the decryption key is used to decrypt the policy encryption information to obtain the basic information of the insurance policy.

[0112] In the above embodiment, first, the system adds the policy encryption information to a preset message queue to take advantage of the message queue to achieve asynchronous processing and decoupling of data. Next, the system reads and forwards the policy encryption information from the message queue by asynchronously loading messages. This asynchronous processing method can improve the processing efficiency of the system, reduce the delay that may be caused by synchronous operations, and ensure that data can be smoothly transmitted in a high-concurrency environment. After the information is forwarded, the recipient uses the decryption key to decrypt the policy encryption information, thereby restoring the original basic policy information, ensuring that the confidentiality and integrity of the policy data are protected during the transmission process.

[0113] Through the above steps, the data transmission process is optimized by using message queue technology, and combined with encryption and decryption mechanisms, the security and transmission efficiency of insurance policy information are effectively guaranteed.

[0114] Furthermore, after reading the insurance policy completed within the current accounting time period and generating the key pair of the insurance policy, it also includes:

[0115] Store the encryption key in the blockchain network and broadcast the encryption key in each node of the blockchain network;

[0116] The steps of using the encryption key to encrypt the basic information of the insurance policy to obtain the encrypted information of the insurance policy include:

[0117] Store the basic information of the insurance policy on the matching target blockchain node;

[0118] The basic information of the insurance policy is encrypted based on the encryption key in the target blockchain node to obtain the policy encrypted information.

[0119] In the above embodiment, first, the encryption key is stored in the blockchain network and broadcast in each node of the network, which ensures the distributed storage and backup of the encryption key, enhances the security and availability of the key, and the decentralized nature of the blockchain makes the storage of the key more tamper-resistant and durable, avoiding the risk of single point failure. Next, the basic information of the insurance policy is stored in the matching target blockchain node, and the distributed ledger technology of the blockchain is used to ensure the integrity and non-tamperability of the data. Finally, based on the encryption key in the target blockchain node, the basic information of the insurance policy is encrypted to generate the policy encryption information, and the key in the blockchain node is used to protect the confidentiality of the policy data, so that the data can be securely encrypted and protected even in a distributed network environment.

[0120] Through the above steps, by combining the distributed storage and encryption mechanism of blockchain technology, high-security protection and efficient management of insurance policy information are achieved, while enhancing the reliability and transparency of data.

[0121] In the above embodiment, the present application discloses an insurance financial accounting method, which belongs to the field of financial technology and big data technology. First, receive and parse the data accounting instruction to determine the current accounting cycle; then, read the insurance policies insured within the cycle, obtain the basic information of the insurance policies, and query the effective time of the insurance policies based on this information. Next, according to the effective time of the insurance policy and the current accounting cycle, classify the insurance policy account type into accounts payable or prepaid accounts, construct a policy set corresponding to the current accounting cycle, and store all accounts payable policies in it. Finally, use the preset accounting rules to calculate the income and expenditure data of the policy set, and output the accounting results. This application solves the financial accounting problem caused by the inconsistency between premium income and cost recognition standards through the refined classification and management of policy effective time, accounting cycle and account type. By classifying accounts payable and prepaid accounts, establishing corresponding policy sets, and using accounting rules to calculate income and expenditure data, it can effectively reduce the mismatch between premium income and cost accounting, improve the accuracy of financial accounting, reduce the deviation of financial report data caused by differences in accounting cycles, and thus improve the reliability and accuracy of insurance company financial statements.

[0122] In this embodiment, the insurance financial accounting method is executed on an electronic device (eg Figure 1 The server shown in the figure) can receive instructions or obtain data through a wired connection or a wireless connection. It should be noted that the above wireless connection method may include but is not limited to 3G / 4G connection, Wi-Fi connection, Bluetooth connection, Wi MAX connection, Zigbee connection, UWB (ultrawi deband) connection, and other wireless connection methods currently known or to be developed in the future.

[0123] The blockchain referred to in this application is a new application model of computer technologies such as distributed data storage, peer-to-peer transmission, consensus mechanism, encryption algorithm, etc. Blockchain is essentially a decentralized database, a string of data blocks generated by cryptographic methods. Each data block contains a batch of network transaction information, which is used to verify the validity of its information (anti-counterfeiting) and generate the next block. Blockchain can include the underlying blockchain platform, platform product service layer, and application service layer.

[0124] The embodiments of the present application can acquire and process relevant data based on artificial intelligence technology. Artificial Intelligence (AI) is the theory, method, technology and application system that uses digital computers or machines controlled by digital computers to simulate, extend and expand human intelligence, perceive the environment, acquire knowledge and use knowledge to obtain the best results.

[0125] AI basic technologies generally include sensors, dedicated AI chips, cloud computing, distributed storage, big data processing technology, operation / interaction systems, mechatronics, etc. AI software technologies mainly include computer vision technology, robotics technology, biometrics technology, speech processing technology, natural language processing technology, and machine learning / deep learning.

[0126] Those skilled in the art can understand that all or part of the processes in the above-mentioned embodiments can be implemented by instructing the relevant hardware through computer-readable instructions, and the computer-readable instructions can be stored in a computer-readable storage medium. When the program is executed, it can include the processes of the embodiments of the above-mentioned methods. Among them, the aforementioned storage medium can be a non-volatile storage medium such as a disk, an optical disk, a read-only memory (ROM), or a random access memory (RAM).

[0127] It should be understood that, although the steps in the flowchart of the accompanying drawings are displayed in sequence as indicated by the arrows, these steps are not necessarily executed in sequence in the order indicated by the arrows. Unless otherwise specified herein, there is no strict order restriction on the execution of these steps, and they can be executed in other orders. Moreover, at least a part of the steps in the flowchart of the accompanying drawings may include multiple sub-steps or multiple stages, and these sub-steps or stages are not necessarily executed at the same time, but can be executed at different times, and their execution order is not necessarily sequential, but can be executed in turn or alternately with other steps or at least a part of the sub-steps or stages of other steps.

[0128] Further references Figure 3 , as a response to the above Figure 2 The present application provides an embodiment of an insurance financial accounting device, which is similar to Figure 2 Corresponding to the method embodiment shown, the device can be specifically applied to various electronic devices.

[0129] like Figure 3 As shown, the insurance financial accounting device 300 described in this embodiment includes:

[0130] The calculation period module 301 is used to receive the data calculation instruction, parse the data calculation instruction and determine the current calculation time period;

[0131] The insurance policy module 302 is used to read the insurance policies that have been completed within the current accounting time period and obtain the basic information of the insurance policies;

[0132] An effective query module 303 is used to query the effective time of the insurance policy based on the basic information of the insurance policy;

[0133] An account classification module 304 is used to classify the account types of insurance policies according to the effective time of the policy and the current accounting time period, wherein the account types include accounts payable and prepaid accounts;

[0134] The insurance policy storage module 305 is used to construct an insurance policy set corresponding to the current accounting time period, obtain a first insurance policy set, and store all accounts payable insurance policies within the current accounting time period into the first insurance policy set;

[0135] The data accounting module 306 is used to calculate the income and expenditure data of the first insurance policy set using preset accounting rules and output the insurance policy income and expenditure accounting results.

[0136] Furthermore, the insurance financial accounting device 300 further includes a prepaid account processing module, which is specifically used for:

[0137] Determine an insurance policy whose account type is prepaid accounts, and obtain a prepaid accounts insurance policy; determine a matching accounting time period for the prepaid accounts insurance policy based on the policy effective time of the prepaid accounts insurance policy; construct a policy set corresponding to the matching accounting time period to obtain a second policy set, and store the prepaid accounts insurance policy in the second policy set; use accounting rules to calculate the income and expenditure data of the second policy set.

[0138] Furthermore, the account classification module 304 is specifically used for:

[0139] Determine whether the policy effective time is within the current accounting time period; if the policy effective time is within the current accounting time period, the insurance policy will be classified as accounts payable; if the policy effective time is not within the current accounting time period, the insurance policy will be classified as prepaid expenses.

[0140] Furthermore, the account classification module 304 is also used for:

[0141] Identify the payment status of the insurance policy, where the payment status includes paid and unpaid; if the insurance policy is an unpaid policy, generate payment reminder information for the unpaid policy and output the payment reminder information.

[0142] Furthermore, the insurance policy module 302 is specifically used for:

[0143] Read the insurance policies that have been underwritten within the current accounting time period and generate a key pair for the insurance policy, where the key pair includes an encryption key and a decryption key; use the encryption key to encrypt the basic information of the insurance policy to obtain the policy encrypted information; transmit the policy encrypted information, and after the information transmission is completed, use the decryption key to decrypt the policy encrypted information to obtain the basic information of the insurance policy.

[0144] Furthermore, the underwriting policy module 302 is further configured to:

[0145] Add the policy encryption information to the preset message queue; use the message asynchronous loading method to read and forward the policy encryption information in the message queue; after the message forwarding is completed, use the decryption key to decrypt the policy encryption information to obtain the basic information of the insurance policy.

[0146] Furthermore, the insurance financial accounting device 300 also includes a blockchain processing module, which is specifically used to:

[0147] The encryption key is stored in the blockchain network and broadcasted in each node of the blockchain network; the basic information of the insurance policy is stored in the matching target blockchain node; the basic information of the insurance policy is encrypted based on the encryption key in the target blockchain node to obtain the policy encrypted information.

[0148] In the above embodiment, the present application discloses an insurance financial accounting device, which belongs to the fields of financial technology and big data technology. First, receive and parse the data accounting instructions to determine the current accounting cycle; then, read the insurance policies insured within the cycle, obtain the basic information of the insurance policies, and query the effective time of the insurance policies based on this information. Next, according to the effective time of the insurance policy and the current accounting cycle, classify the insurance policy account type into accounts payable or prepaid accounts, construct a policy set corresponding to the current accounting cycle, and store all accounts payable policies in it. Finally, use the preset accounting rules to calculate the income and expenditure data of the policy set, and output the accounting results. This application solves the financial accounting problem caused by the inconsistency between premium income and cost recognition standards through the refined classification and management of policy effective time, accounting cycle and account type. By classifying accounts payable and prepaid accounts, establishing corresponding policy sets, and using accounting rules to calculate income and expenditure data, it can effectively reduce the mismatch between premium income and cost accounting, improve the accuracy of financial accounting, reduce the deviation of financial report data caused by differences in accounting cycles, and thus improve the reliability and accuracy of insurance company financial statements.

[0149] To solve the above technical problems, the present application also provides a computer device. Figure 4 , Figure 4This is a basic structural block diagram of the computer device in this embodiment.

[0150] The computer device 4 includes a memory 41, a processor 42, and a network interface 43 that are interconnected and communicated through a system bus. It should be noted that the figure only shows a computer device 4 having a memory 41, a processor 42, and a network interface 43, but it should be understood that it is not required to implement all the components shown, and more or fewer components can be implemented instead. Among them, those skilled in the art can understand that the computer device here is a device that can automatically perform numerical calculations and / or information processing according to pre-set or stored instructions, and its hardware includes but is not limited to a microprocessor, an application-specific integrated circuit (ASIC), a field-programmable gate array (FPGA), a digital processor (DSP), an embedded device, etc.

[0151] The computer device may be a computing device such as a desktop computer, a notebook, a PDA, a cloud server, etc. The computer device may interact with a user through a keyboard, a mouse, a remote controller, a touch pad, or a voice control device.

[0152] The memory 41 includes at least one type of readable storage medium, and the readable storage medium includes flash memory, hard disk, multimedia card, card-type memory (for example, SD or DX memory, etc.), random access memory (RAM), static random access memory (SRAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), programmable read-only memory (PROM), magnetic memory, disk, optical disk, etc. In some embodiments, the memory 41 can be an internal storage unit of the computer device 4, such as a hard disk or memory of the computer device 4. In other embodiments, the memory 41 can also be an external storage device of the computer device 4, such as a plug-in hard disk equipped on the computer device 4, a smart memory card (Smart Med ia Card, SMC), a secure digital (Secure Digital, SD) card, a flash card (Flash Card), etc. Of course, the memory 41 can also include both the internal storage unit of the computer device 4 and its external storage device. In this embodiment, the memory 41 is generally used to store the operating system and various application software installed on the computer device 4, such as computer-readable instructions of insurance financial accounting methods, etc. In addition, the memory 41 can also be used to temporarily store various types of data that have been output or are to be output.

[0153] The processor 42 may be a central processing unit (CPU), a controller, a microcontroller, a microprocessor, or other data processing chips in some embodiments. The processor 42 is generally used to control the overall operation of the computer device 4. In this embodiment, the processor 42 is used to run the computer-readable instructions stored in the memory 41 or process data, such as running the computer-readable instructions of the insurance financial accounting method.

[0154] The network interface 43 may include a wireless network interface or a wired network interface. The network interface 43 is generally used to establish a communication connection between the computer device 4 and other electronic devices.

[0155] In the above embodiment, the present application discloses a computer device, which belongs to the fields of financial technology and big data technology. First, receive and parse the data accounting instructions to determine the current accounting cycle; then, read the insurance policies insured within the cycle, obtain the basic information of the insurance policies, and query the effective time of the insurance policies based on this information. Next, according to the effective time of the insurance policy and the current accounting cycle, classify the insurance policy account type into accounts payable or prepaid accounts, construct a policy set corresponding to the current accounting cycle, and store all accounts payable policies in it. Finally, use the preset accounting rules to calculate the income and expenditure data of the policy set, and output the accounting results. This application solves the financial accounting problem caused by the inconsistency between premium income and cost recognition standards through the refined classification and management of policy effective time, accounting cycle and account type. By classifying accounts payable and prepaid accounts, establishing corresponding policy sets, and using accounting rules to calculate income and expenditure data, it can effectively reduce the mismatch between premium income and cost accounting, improve the accuracy of financial accounting, reduce the deviation of financial report data caused by differences in accounting cycles, and thus improve the reliability and accuracy of insurance company financial statements.

[0156] The present application also provides another embodiment, namely, providing a computer-readable storage medium, wherein the computer-readable storage medium stores computer-readable instructions, and the computer-readable instructions can be executed by at least one processor to enable the at least one processor to perform the steps of the insurance financial accounting method as described above.

[0157] In the above embodiment, the present application discloses a computer-readable storage medium, which belongs to the fields of financial technology and big data technology. First, receive and parse the data accounting instructions to determine the current accounting cycle; then, read the insurance policies insured within the cycle, obtain the basic information of the insurance policies, and query the effective time of the insurance policies based on this information. Next, according to the effective time of the insurance policy and the current accounting cycle, classify the insurance policy account type into accounts payable or prepaid accounts, construct a policy set corresponding to the current accounting cycle, and store all accounts payable policies in it. Finally, use the preset accounting rules to calculate the income and expenditure data of the policy set, and output the accounting results. This application solves the financial accounting problem caused by the inconsistency between premium income and cost recognition standards through the refined classification and management of policy effective time, accounting cycle and account type. By classifying accounts payable and prepaid accounts, establishing corresponding policy sets, and using accounting rules to calculate income and expenditure data, it can effectively reduce the mismatch between premium income and cost accounting, improve the accuracy of financial accounting, reduce the deviation of financial report data caused by differences in accounting cycles, and thus improve the reliability and accuracy of insurance company financial statements.

[0158] Through the description of the above implementation methods, those skilled in the art can clearly understand that the above-mentioned embodiment methods can be implemented by means of software plus a necessary general hardware platform, and of course by hardware, but in many cases the former is a better implementation method. Based on such an understanding, the technical solution of the present application, or the part that contributes to the prior art, can be embodied in the form of a software product, which is stored in a storage medium (such as ROM / RAM, magnetic disk, optical disk), and includes a number of instructions for a terminal device (which can be a mobile phone, computer, server, air conditioner, or network device, etc.) to execute the methods described in each embodiment of the present application.

[0159] The present application can be used in many general or special computer system environments or configurations. For example: personal computers, server computers, handheld or portable devices, tablet devices, multiprocessor systems, microprocessor-based systems, set-top boxes, programmable consumer electronic devices, network PCs, minicomputers, mainframe computers, distributed computing environments including any of the above systems or devices, etc. The present application can be described in the general context of computer executable instructions executed by a computer, such as program modules. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform specific tasks or implement specific abstract data types. The present application can also be practiced in distributed computing environments, in which tasks are performed by remote processing devices connected through a communication network. In a distributed computing environment, program modules can be located in local and remote computer storage media including storage devices.

[0160] Obviously, the embodiments described above are only some embodiments of the present application, rather than all embodiments. The preferred embodiments of the present application are given in the accompanying drawings, but they do not limit the patent scope of the present application. The present application can be implemented in many different forms. On the contrary, the purpose of providing these embodiments is to make the understanding of the disclosure of the present application more thorough and comprehensive. Although the present application is described in detail with reference to the aforementioned embodiments, for those skilled in the art, it is still possible to modify the technical solutions recorded in the aforementioned specific implementation methods, or to perform equivalent replacement of some of the technical features therein. Any equivalent structure made using the contents of the specification and drawings of this application, directly or indirectly used in other related technical fields, is similarly within the scope of patent protection of this application.

Claims

1. An insurance financial accounting method, characterized in that: include: Receiving a data calculation instruction, parsing the data calculation instruction to determine a current calculation time period; Read the insurance policies that have been underwritten within the current accounting time period and obtain basic information of the insurance policies; Query the effective time of the insurance policy based on the basic information of the insurance policy; Classifying the insurance policy into account types according to the policy effective time and the current accounting time period, wherein the account types include accounts payable and prepaid accounts; Constructing a policy set corresponding to the current accounting time period to obtain a first policy set, and storing all accounts payable policies within the current accounting time period into the first policy set; Use preset accounting rules to calculate the income and expenditure data of the first policy set, and output the policy income and expenditure accounting results.

2. The insurance financial accounting method according to claim 1, characterized in that: After the step of classifying the insurance policy into account types according to the policy effective time and the current accounting time period, the method further includes: Determine the insurance policy with the account type being prepaid account, and obtain the prepaid account insurance policy; Determining the matching accounting time period of the prepaid account insurance policy according to the policy effective date of the prepaid account insurance policy; Constructing a policy set corresponding to the matching accounting time period to obtain a second policy set, and storing the prepaid account policy in the second policy set; The income and expenditure data of the second policy set are calculated using the accounting rules.

3. The insurance financial accounting method according to claim 1, characterized in that: The step of classifying the insurance policy into account types according to the policy effective time and the current accounting time period specifically includes: Determine whether the policy effective time is within the current accounting time period; If the policy takes effect within the current accounting period, the insurance policy is classified as accounts payable; If the policy takes effect outside the current accounting time period, the insurance policy will be classified as a prepaid account.

4. The insurance financial accounting method according to claim 3, characterized in that: Before the step of classifying the insurance policy into account types according to the policy effective time and the current accounting time period, the method further includes: Identifying a payment status of the insurance policy, wherein the payment status includes paid and unpaid; If the insurance policy is an unpaid policy, payment reminder information of the unpaid policy is generated and the payment reminder information is output.

5. The insurance financial accounting method according to claim 1, characterized in that: The step of reading the insurance policy completed within the current calculation time period and obtaining the basic information of the insurance policy specifically includes: Reading an insurance policy that has been underwritten within the current accounting time period, and generating a key pair for the insurance policy, wherein the key pair includes an encryption key and a decryption key; Using the encryption key to encrypt the basic information of the insurance policy to obtain policy encrypted information; The policy encryption information is transmitted, and after the information transmission is completed, the policy encryption information is decrypted using the decryption key to obtain the basic information of the insurance policy.

6. The insurance financial accounting method according to claim 5, characterized in that: The step of transmitting the policy encryption information and decrypting the policy encryption information using the decryption key after the information transmission is completed to obtain the basic information of the insurance policy specifically includes: Add the encrypted policy information to a preset message queue; Read and forward the policy encryption information in the message queue by using asynchronous message loading; After the message is forwarded, the decryption key is used to decrypt the policy encryption information to obtain the basic information of the insurance policy.

7. The insurance financial accounting method according to claim 5, characterized in that: After the step of reading the insurance policy completed within the current calculation time period and generating the key pair of the insurance policy, the method further includes: Storing the encryption key in a blockchain network and broadcasting the encryption key in each node of the blockchain network; The step of using the encryption key to encrypt the basic information of the insurance policy to obtain the encrypted policy information specifically includes: Storing the basic information of the insurance policy on a matching target blockchain node; The basic information of the insurance policy is encrypted based on the encryption key in the target blockchain node to obtain the policy encrypted information.

8. An insurance financial accounting device, characterized in that: include: A calculation cycle module, used to receive a data calculation instruction, parse the data calculation instruction and determine the current calculation time cycle; An insurance policy module is used to read the insurance policies that have been underwritten within the current accounting time period and obtain basic information of the insurance policies; An effective query module, used to query the effective time of the insurance policy based on the basic information of the insurance policy; An account classification module, used to classify the account types of the insurance policy according to the policy effective time and the current accounting time period, wherein the account types include accounts payable and prepaid accounts; An insurance policy storage module, used to construct an insurance policy set corresponding to the current accounting time period, obtain a first insurance policy set, and store all accounts payable insurance policies within the current accounting time period into the first insurance policy set; The data accounting module is used to calculate the income and expenditure data of the first insurance policy set using preset accounting rules and output the insurance policy income and expenditure accounting results.

9. A computer device, characterized in that: The method comprises a memory and a processor, wherein the memory stores computer-readable instructions, and the processor implements the steps of the insurance financial accounting method according to any one of claims 1 to 7 when executing the computer-readable instructions.

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

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