Data processing method and device, electronic equipment, storage medium and program product

Abstract

The invention provides a data processing method and device, electronic equipment, a storage medium and a program product, and can be applied to the technical field of data processing. The method is applied to an intermediate layer system, and comprises the following steps: receiving a first case reporting claim request of a third-party system; the first case reporting claim request comprises a system identifier of the third-party system, insurance policy information, claim information and a list for accessing an intermediate layer system; if the list contains the system identifier, sending a second case-reporting claim request to the claim settlement system, so that the claim settlement system processes the second case-reporting claim request and returns a processing result; and sending the processing result to the third-party system. The claim settlement efficiency is improved.

Description

Technical Field

[0001] The present application relates to the field of data processing technology, and in particular to a data processing method, device, electronic device, storage medium and program product. Background Art

[0002] In the reporting process for extended warranty products, the staff of the third-party agency sends the reporting information to the claims adjuster of the insurance agency via email or other means of communication. The claims adjuster reviews the reporting information and obtains the claims result. The claims adjuster also needs to feedback the claims result to the staff of the third-party agency via email or other means of communication.

[0003] Since the staff of the third-party agency and the claims adjusters can only exchange reporting information offline, the claims settlement efficiency is low. Summary of the invention

[0004] The present application provides a data processing method, device, electronic device, storage medium and program product, which improve the efficiency of claims settlement.

[0005] In a first aspect, the present application provides a data processing method, which is applied to a middle-layer system, and the method comprises:

[0006] Receiving a first claim reporting request from a third-party system; the first claim reporting request includes a system identifier of the third-party system, policy information, claim information, and a list for accessing the middle-layer system;

[0007] If the list contains the system identifier, sending a second claim reporting request to the claim settlement system, so that the claim settlement system processes the second claim reporting request and returns a processing result;

[0008] The processing result is sent to the third-party system.

[0009] In some embodiments, receiving a first claim reporting request from a third-party system includes:

[0010] A first report claim request from a third-party system is received through a report interface; the first report claim request is sent by the third-party system in response to a report application submitted by a user, obtaining the report information uploaded by the user, and calling the report interface.

[0011] In some embodiments, the claim information includes claim image data; after receiving the first claim request from the third-party system, the method further includes:

[0012] The claim image data is sent to an image system so that the image system stores the claim image data.

[0013] In a second aspect, the present application provides a data processing method, which is applied to a claims system, and the method comprises:

[0014] receiving a second claim reporting request from the middle-layer system; the second claim reporting request includes policy information and claim information, and the second claim reporting request is sent by the middle-layer system after receiving the first claim reporting request from the third-party system;

[0015] Generate a claim review task based on the policy information and the claim information;

[0016] Acquire a claim settlement strategy corresponding to the third-party system from a plurality of preset claim settlement strategies;

[0017] Based on the claim settlement strategy, determining the claims reviewer corresponding to the claim settlement review task;

[0018] Sending the claim review task to the account of the claim reviewer and obtaining the processing result uploaded by the account;

[0019] The processing result is sent to the middle-layer system, so that the middle-layer system sends the processing result to the third-party system.

[0020] In some embodiments, each of the preset claim strategies is stored in correspondence with a corresponding system identifier; and obtaining the claim strategy corresponding to the third-party system from the plurality of preset claim strategies includes:

[0021] From a plurality of preset claim strategies, a claim strategy stored corresponding to the system identifier of the third-party system is obtained.

[0022] In some embodiments, the claim settlement strategy is that the third-party system corresponds to at least one level of review, and each level of review corresponds to at least one preset claim settlement reviewer, and each preset claim settlement reviewer has a corresponding weight;

[0023] The determining, based on the claim settlement strategy, a claims reviewer corresponding to the claims review task includes:

[0024] In the case where the third-party system corresponds to a first-level review and corresponds to a preset claims reviewer, the preset claims reviewer is determined as the claims reviewer corresponding to the claims review task;

[0025] In the case where the third-party system corresponds to multiple levels of review and each level of review corresponds to a preset claims reviewer, the preset claims reviewers corresponding to each level of review are determined as the claims reviewers corresponding to the claims review task;

[0026] When the third-party system corresponds to multiple levels of review, each level of review corresponds to multiple preset claims reviewers and each preset claims reviewer has a corresponding weight, the preset claims reviewer with the highest weight corresponding to each level of review is determined as the claims reviewer corresponding to the claims review task.

[0027] In some embodiments, it also includes:

[0028] In response to the image access request of the account, obtaining the claim image data corresponding to the claim review task from the image system;

[0029] The claim image data is sent to the account.

[0030] In some embodiments, sending the processing result to the intermediate layer system includes:

[0031] The processing result is packaged in a receiving format corresponding to the third-party system, and the packaged processing result is sent to the intermediate layer system.

[0032] In a third aspect, the present application provides a data processing device, which is arranged in an intermediate layer system, and the device includes:

[0033] A receiving module, configured to receive a first claim reporting request from a third-party system; the first claim reporting request includes a system identifier of the third-party system, policy information, claim information, and a list for accessing the middle-layer system;

[0034] A sending module, configured to send a second case reporting and claim request to a claim settlement system if the list contains the system identifier, so that the claim settlement system processes the second case reporting and claim request and returns a processing result;

[0035] The sending module is further used to send the processing result to the third-party system.

[0036] In a fourth aspect, the present application provides a data processing device, which is arranged in a claims system, and the device comprises:

[0037] A receiving module, used for receiving a second claim reporting request from the middle-layer system; the second claim reporting request includes policy information and claim information, and the second claim reporting request is sent by the middle-layer system after receiving the first claim reporting request from the third-party system;

[0038] A generation module, used for generating a claim review task based on the insurance policy information and the claim information;

[0039] An acquisition module, used to acquire a claim settlement strategy corresponding to the third-party system from a plurality of preset claim settlement strategies;

[0040] A determination module, used to determine the claims reviewer corresponding to the claims review task based on the claims strategy;

[0041] The acquisition module is further used to issue the claim review task to the account of the claim reviewer and obtain the processing result uploaded by the account;

[0042] The sending module is used to send the processing result to the middle-layer system, so that the middle-layer system sends the processing result to the third-party system.

[0043] In a fifth aspect, the present application provides an electronic device, comprising: a processor and a memory communicatively connected to the processor;

[0044] The memory stores computer-executable instructions;

[0045] The processor executes the computer-executable instructions stored in the memory to implement the data processing method as described in any one of the first aspects or the data processing method as described in any one of the second aspects.

[0046] In a sixth aspect, the present application provides a computer-readable storage medium, wherein the computer-readable storage medium stores computer execution instructions, and when the computer execution instructions are executed by a processor, they are used to implement the data processing method described in any one of the first aspect or the data processing method described in any one of the second aspect.

[0047] In a seventh aspect, the present application provides a computer program product, comprising a computer program, wherein when the computer program is executed by a processor, the data processing method described in any one of the first aspect or the data processing method described in any one of the second aspect is implemented.

[0048] The data processing method, device, electronic device, storage medium and program product provided in the present application set up an intermediate layer system between the third-party system and the internal system of the insurance institution (such as the claims system). The intermediate layer system can interact with the third-party system and the internal system of the insurance institution, thereby using the intermediate layer system to realize data flow between the third-party system and the internal system of the insurance institution, and convert the offline interaction behavior between the staff of the third-party institution and the claims review personnel into data flow operations between systems, thereby improving the claims efficiency. BRIEF DESCRIPTION OF THE DRAWINGS

[0049] The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the present application and, together with the description, serve to explain the principles of the present application.

[0050] Figure 1 It is a schematic diagram of an application scenario provided by this application;

[0051] Figure 2 It is a flowchart of a data processing method provided by this application;

[0052] Figure 3 It is a flowchart of another data processing method provided by the present application;

[0053] Figure 4 It is a schematic diagram of a data processing flow provided by this application;

[0054] Figure 5 It is a schematic diagram of another data processing flow provided by the present application;

[0055] Figure 6 It is a structural schematic diagram of a data processing device provided by the present application;

[0056] Figure 7 is a structural schematic diagram of another data processing device provided by the present application;

[0057] Figure 8 It is a structural schematic diagram of an electronic device provided by this application.

[0058] The above drawings have shown clear embodiments of the present application, which will be described in more detail later. These drawings and text descriptions are not intended to limit the scope of the present application in any way, but to illustrate the concept of the present application to those skilled in the art by referring to specific embodiments. DETAILED DESCRIPTION

[0059] Exemplary embodiments will be described in detail herein, examples of which are shown in the accompanying drawings. When the following description refers to the drawings, the same numbers in different drawings represent the same or similar elements unless otherwise indicated. The implementations described in the following exemplary embodiments do not represent all implementations consistent with the present application. Instead, they are merely examples of devices and methods consistent with some aspects of the present application as detailed in the appended claims.

[0060] In the reporting process of extended warranty products, the insured of extended warranty products is generally a third-party automobile 4S store or dealer. The insured's reporting, investigation, review and case closing for extended warranty products are generally recorded and tracked by their own independent system. The insured cannot log in to the internal system of the insurance institution. After operating in their own independent system, they can only send the report information to the claims personnel (such as insurance claims salesperson) through email or other communication methods (such as social media software, etc.). The claims personnel will upload the report information to the internal system and conduct a claim review. After the claim result is generated, the claims personnel need to send the claim result to the insured by email or other communication methods.

[0061] The internal systems of third-party institutions and insurance institutions are not connected, which means that policyholders and claims adjusters can only exchange claims information offline, resulting in low work efficiency of claims adjusters, low claims efficiency and poor user experience.

[0062] Based on this, the present application proposes a data processing method, device, electronic device, storage medium and program product, aiming to solve the above technical problems.

[0063] Figure 1 is a schematic diagram of an application scenario provided by this application. Figure 1 As shown, this application scenario shows a network architecture, which includes: an external network and insurance institution-related systems, and the insurance institution-related systems include a demilitarized zone (DMZ) and an intranet. Among them, the third-party system corresponding to the third-party institution is located in the external network, the middle-layer system is located in the demilitarized zone, and the claims system and the imaging system are located in the intranet.

[0064] Among them, the third-party system, the claims system, and the imaging system are connected to the middle-layer system through the network. And the claims system is connected to the imaging system through the network.

[0065] The middle-layer system is composed of at least one server, which is used for data transfer between the third-party system and the claims system. The number of the at least one server can be set according to actual needs, and this application does not limit this. Exemplarily, the middle-layer system can be a voucher system, an external cooperative business management platform or a channel system, and the middle-layer system can be deployed in the form of microservices.

[0066] A backend server is deployed in the third-party system, and the staff of the third-party organization (hereinafter referred to as the third-party personnel) logs in to the third-party system through the terminal device, so that the terminal device can communicate with the backend server and exchange data. Similarly, a backend server is deployed in the claims system, and the claims personnel of the insurance organization log in to the claims system through the terminal device, so that the terminal device can communicate with the claims system and exchange data. For example, the number of third-party systems can be one or more (for ease of representation, Figure 1 This is just an example), and the application does not limit this.

[0067] The technical solution of the present application and how the technical solution of the present application solves the above-mentioned technical problems are described in detail below with specific embodiments. The following specific embodiments can be combined with each other, and the same or similar concepts or processes may not be repeated in some embodiments. The embodiments of the present application will be described below in conjunction with the accompanying drawings.

[0068] Figure 2 This is a flow chart of a data processing method provided by this application. Figure 2As shown, the data processing method provided in this embodiment is applied to the middle layer system, and the data processing method provided in this embodiment includes the following steps:

[0069] Step S101, receiving a first claim reporting request from a third-party system; the first claim reporting request includes a system identifier of the third-party system, policy information, claim information, and a list for accessing the middle-layer system.

[0070] In one scenario, the third-party system is an internal system of a third-party institution for use by third-party personnel. When a report is needed, the third-party personnel can log in to the third-party system, fill in the report information and submit the report application, so that the third-party system responds to the report application submitted by the user, obtains the report information uploaded by the third-party personnel, and sends a first report claim request to the middle-layer system. Among them, the report information includes policy information and claim information. Policy information is the basis of the insurance contract and is used to confirm the contractual relationship between the reporter and the insurance institution. For example, policy information includes insurance contract code, policyholder information, insured information, insurance product information, etc. Claim information is used to describe the occurrence of the insurance accident and the compensation content that the reporter hopes to obtain. For example, claim information includes reporter information, basic information of the insurance accident, compensation content, relevant supporting materials, etc.

[0071] In some embodiments, the middle-layer system provides a reporting interface to the outside world, and the third-party system can call the reporting interface to send a first reporting claim request to the middle-layer system; accordingly, the middle-layer system receives the first reporting claim request from the third-party system through the reporting interface.

[0072] The system identifier of the third-party system is used to uniquely identify the third-party system to distinguish different third-party systems. For example, the system identifier may be an Internet Protocol Address (IP).

[0073] The list for accessing the middle-layer system includes the system identifiers of various third-party systems that can access the middle-layer system, and the list is used to determine whether the system that sent the first report claim request is credible. Accordingly, after receiving the first report claim request, it is determined whether the list for accessing the middle-layer system includes the system identifier carried by the first report claim system. If the list includes the system identifier carried by the first report claim system, it indicates that the third-party system referred to by the system identifier is credible, and step S102 can be executed; conversely, if the list does not include the system identifier carried by the first report claim system, it indicates that the third-party system referred to by the system identifier is not credible, and the first report claim request can be ignored.

[0074] Exemplarily, the list is sent to the request initiator by the middle-layer system after the middle-layer system verifies the IP address of the request initiator. This ensures that all requests sent to the middle-layer system are initiated by authorized third-party systems, reduces the possibility of the middle-layer system being attacked by other malicious websites, and ensures the security of the middle-layer system.

[0075] In some embodiments, the claim information includes claim image data; accordingly, after receiving the first claim report request from the third-party system, the middle-layer system can also send the claim image data to the image system so that the image system can save the claim image data. The claim image data can be videos, photos and other materials taken by the reporter at the accident scene. The image system is used to store the claim image data for the convenience of the insurance agency's claims personnel to review, providing data convenience.

[0076] Specifically, the middle-layer system can send the insurance policy information and the claim image data together to the image system, so that the image system can store the insurance policy information and the claim image data correspondingly. The insurance policy information can be regarded as the index information of the claim image data.

[0077] Step S102: If the list contains the system identifier, a second claim reporting request is sent to the claim settlement system, so that the claim settlement system processes the second claim reporting request and returns the processing result.

[0078] The second claim report request includes the system identifier of the third-party system, policy information, and claim information. In response to the second claim report request, the claims system issues a claim review task to the corresponding claim reviewer, who then processes the claim review task and uploads the processing result. The claims system then obtains the processing result and sends it to the middle-layer system. For details, see the data processing process of the claims system as follows: Figure 3 The illustrated embodiment will not be described in detail here. The processing result is used to indicate whether the review is passed.

[0079] Step S103: Send the processing result to a third-party system.

[0080] Among them, after receiving the processing result, the middle-layer system sends the processing result to the third-party system, so that the third-party personnel can view the processing result after logging into the third-party system to understand the progress of the report.

[0081] In this embodiment, an intermediate layer system is set up between the third-party system and the internal system of the insurance institution (such as the claims system). The intermediate layer system can interact with the third-party system and the internal system of the insurance institution, so as to realize the data flow between the third-party system and the internal system of the insurance institution with the help of the intermediate layer system, and convert the offline interaction behavior between the staff of the third-party institution and the claims auditors into data flow operations between systems, thereby improving the claims efficiency.

[0082] Figure 3 FIG. 1 is a flow chart of another data processing method provided by the present application. Figure 3 As shown, the data processing method provided in this embodiment is applied to a claims system, and the data processing method provided in this embodiment includes the following steps:

[0083] Step S201, receiving a second claim report request from the middle-layer system; the second claim report request includes policy information and claim information, and the second claim report request is sent by the middle-layer system after receiving the first claim report request from the third-party system.

[0084] The specific process of the middle-layer system receiving the first claim report request from the third-party system and sending the second claim report request is as mentioned above. Figure 2 The illustrated embodiments will not be described in detail here.

[0085] Step S202, generating a claim review task based on the policy information and claim information.

[0086] Exemplarily, the task content of the claim review task includes information such as specific content to be reviewed, priority, deadline, etc. Exemplarily, the claim review task may include automated inspection results, parts that require manual verification, and recommended review steps.

[0087] Step S203, obtaining a claim settlement strategy corresponding to the third-party system from a plurality of preset claim settlement strategies.

[0088] In one scenario, the insurance institution has different claims strategies for different third-party institutions. Accordingly, the preset claims strategies corresponding to each third-party system can be pre-stored, so that after the claims review task is generated, the corresponding claims strategy can be selected.

[0089] In some embodiments, each of the plurality of preset claim strategies is stored in correspondence with a corresponding system identifier; wherein the system identifier stored in correspondence with a preset claim strategy is used to refer to a third-party system corresponding to the preset claim strategy. Accordingly, step S203 is specifically implemented as follows: from the plurality of preset claim strategies, obtaining the claim strategy stored in correspondence with the system identifier of the third-party system.

[0090] Step S204: Determine the claims reviewer corresponding to the claims review task based on the claims strategy.

[0091] In some embodiments, the claim settlement strategy is that the third-party system corresponds to at least one level of review, and each level of review corresponds to at least one preset claim settlement reviewer, and each preset claim settlement reviewer has a corresponding weight; accordingly, step S204 includes the following situations:

[0092] In the first case, when the third-party system corresponds to a first-level review and corresponds to a preset claims reviewer, the preset claims reviewer is determined as the claims reviewer corresponding to the claims review task.

[0093] In the second case, when the third-party system corresponds to multiple levels of review and each level of review corresponds to a preset claim reviewer, the preset claim reviewers corresponding to each level of review are determined as the claims reviewers corresponding to the claim review task. The preset claim reviewers corresponding to the multiple levels of review process the claim review task in sequence.

[0094] In the third case, when the third-party system corresponds to multiple levels of review, each level of review corresponds to multiple preset claims reviewers and each preset claims reviewer has a corresponding weight, the preset claims reviewer with the highest weight corresponding to each level of review shall be determined as the claims reviewer corresponding to the claims review task.

[0095] Among them, the weight can be set according to the historical review volume of the preset claims reviewer, the areas of responsibility, and other information.

[0096] The claims system can automatically allocate claims review tasks according to the claims processes corresponding to different third-party systems, thereby improving claims efficiency.

[0097] Step S205: send the claim review task to the account of the claim reviewer, and obtain the processing result uploaded by the account.

[0098] In this embodiment, after the claims reviewer is determined, the claims review task can be sent to the claims reviewer's account, so that after using the account to log in to the claims system, the claims reviewer can view and process the claims review task, such as reviewing the claim information, and after the review is passed, perform settlement and verification, determine the compensation information (such as the amount), and upload the processing results.

[0099] In some embodiments, the claims auditor can also view the claim image data when processing the claim review task. Accordingly, the claims auditor submits an image access request using the currently logged-in account, so that the claims system responds to the image access request and obtains the claim image data corresponding to the claim review task from the image system; and sends the claim image data to the account.

[0100] The image access request can carry the policy information, so that the image system can use the policy information as an index to query the corresponding claim image data. By sending the claim image data to the account, it is convenient for the claim auditor to view it.

[0101] Step S206: Send the processing result to the middle-layer system, so that the middle-layer system sends the processing result to the third-party system.

[0102] In some embodiments, sending the processing result to the middle-layer system is specifically implemented as: packaging the processing result in a receiving format corresponding to the third-party system, and sending the packaged processing result to the middle-layer system.

[0103] Each third-party system has a pre-made corresponding file receiving format, so that the claims system can package the processing results according to the corresponding file receiving format when returning the processing results, so that the third-party system can receive them. For example, the file receiving format can be JSON (a lightweight data exchange format), XML (a markup language), etc.

[0104] The data processing method provided by this application is described below with two specific embodiments.

[0105] like Figure 4 The data processing flow shown:

[0106] On the third-party system side, the reporter collects claim information and submits a report application, which is forwarded to the claims system by the middle-tier system.

[0107] The claim system verifies the policy. If the verification fails, a report failure message is returned, which is forwarded to the third-party system by the middle-layer system. If the verification succeeds, the claim is reported and a report success message is returned. The report success message carries the report number and is forwarded to the third-party system by the middle-layer system.

[0108] In the case of a successful report, the claims system will be dispatched manually or automatically, and will conduct central quotation, central review, and on-site inspection and damage assessment. After on-site inspection and damage assessment, quotation processing can also be carried out to assist the central quotation operation. During the central review, the damage assessment supplementary information can be returned to re-inspect the on-site damage assessment. During the central review, the review opinions can also be fed back to the third-party system through the middle-layer system, such as returning for modification or review failure, so that the third-party system can receive the review results, modify the claim information and submit it, so as to update the report information; and the third-party system can also supplement the image data and upload the image data, so that the middle-layer system can transmit the image data to the image system.

[0109] If the center passes the review, the claims system will file a case and collect documents, and re-transmit the documents for review. It can also transmit the information of document review rejection or review approval to the third-party system through the middle-layer system, so that the third-party system can reject the document information after receiving the review opinion and upload it to the image system by uploading the image data.

[0110] After the documents are collected, the claims system will settle and verify the claims until the payment is successful, write back the payment time, and then close the case. During the settlement, the third-party system is allowed to withdraw the case before the case is verified. During the verification, the review opinions can also be fed back to the third-party system through the middle-layer system, such as supplementary information, rejection or review information. After the payment is successful, the payment information can also be transmitted to the third-party system through the middle-layer system so that the third-party system can receive it.

[0111] like Figure 5 The data processing flow shown:

[0112] On the third-party system side, the reporter collects claim information and submits a report application, which is forwarded to the claims system by the middle-tier system.

[0113] The claims system reports the case and returns a successful report or failed report information, which is forwarded to the third-party system by the middle layer.

[0114] In the case of a successful report, the claims system will be dispatched manually or automatically, and will conduct central quotation, central review, and on-site inspection and damage assessment. After on-site inspection and damage assessment, quotation processing can also be carried out to assist the central quotation operation. During the central review, the damage assessment supplementary information can be returned to re-inspect the on-site damage assessment. During the central review, the review opinions can also be fed back to the third-party system through the middle-layer system, such as returning for modification or review failure, so that the third-party system can receive the review results, push them again after adjustment, and supplement the image information, and upload them to the image system through the middle-layer system.

[0115] If the center approves the application, the claims system will file a case and collect documents.

[0116] After the documents are collected, the claims system will settle and verify the claims until the payment is successful, and write back the payment time. During settlement / verification, the third-party system is allowed to withdraw the claim before the case is verified. After the payment is successful, the payment information can also be transmitted to the third-party system through the middle-layer system so that the third-party system can receive it.

[0117] Figure 6 is a structural diagram of a data processing device provided by the present application, such as Figure 6 As shown, in this embodiment, the data processing device 30 can be arranged in the middle layer system, and the data processing device 30 includes:

[0118] The receiving module 301 is used to receive a first claim reporting request from a third-party system; the first claim reporting request includes a system identifier of the third-party system, policy information, claim information, and a list for accessing the middle-layer system;

[0119] The sending module 302 is used to send the second case reporting claim request to the claim settlement system if the list contains the system identifier, so that the claim settlement system processes the second case reporting claim request and returns the processing result;

[0120] The sending module 302 is also used to send the processing result to a third-party system.

[0121] In some embodiments, the receiving module 301 is configured to:

[0122] The first report claim request from the third-party system is received through the report interface; the first report claim request is sent by the third-party system in response to the report application submitted by the user, obtaining the report information uploaded by the user, and calling the report interface.

[0123] In some embodiments, the claim information includes claim image data; the sending module 302 is further used to: send the claim image data to the imaging system so that the imaging system saves the claim image data.

[0124] The data processing device 30 provided in this embodiment can execute the technical solution of the corresponding method embodiment. Its implementation principle and technical effect are similar to those of the corresponding method embodiment, and will not be repeated here.

[0125] Figure 7 is a structural diagram of another data processing device provided by the present application, such as Figure 7 As shown, in this embodiment, the data processing device 40 can be arranged in the claims system, and the data processing device 40 includes:

[0126] The receiving module 401 is used to receive a second claim reporting request from the middle-layer system; the second claim reporting request includes policy information and claim information, and the second claim reporting request is sent by the middle-layer system after receiving the first claim reporting request from the third-party system;

[0127] A generating module 402, for generating a claim review task based on the policy information and claim information;

[0128] The acquisition module 403 is used to acquire the claim settlement strategy corresponding to the third-party system from a plurality of preset claim settlement strategies;

[0129] A determination module 404 is used to determine the claims reviewer corresponding to the claims review task based on the claims strategy;

[0130] The acquisition module 403 is also used to issue the claim review task to the account of the claim reviewer and obtain the processing result uploaded by the account;

[0131] The sending module 405 is used to send the processing result to the middle-layer system, so that the middle-layer system sends the processing result to the third-party system.

[0132] In some embodiments, each preset claim settlement strategy is stored in correspondence with the corresponding system identifier; the acquisition module 403 is used to:

[0133] From a plurality of preset claim strategies, a claim strategy stored corresponding to a system identifier of the third-party system is obtained.

[0134] In some embodiments, the claim settlement strategy is that the third-party system corresponds to at least one level of review, and each level of review corresponds to at least one preset claim settlement reviewer, and each preset claim settlement reviewer has a corresponding weight;

[0135] The determination module 404 is used to:

[0136] When the third-party system corresponds to the first-level review and corresponds to a preset claims reviewer, the preset claims reviewer is determined as the claims reviewer corresponding to the claims review task;

[0137] In the case where the third-party system corresponds to multiple levels of review and each level of review corresponds to a preset claims reviewer, the preset claims reviewers corresponding to each level of review are determined as the claims reviewers corresponding to the claims review task;

[0138] When the third-party system corresponds to multiple levels of review, each level of review corresponds to multiple preset claims reviewers and each preset claims reviewer has a corresponding weight, the preset claims reviewer with the highest weight corresponding to each level of review shall be determined as the claims reviewer corresponding to the claims review task.

[0139] In some embodiments, the acquisition module 403 is further used to:

[0140] In response to the image access request of the account, the claim image data corresponding to the claim review task is obtained from the image system; and the claim image data is issued to the account.

[0141] In some embodiments, the sending module 405 is configured to:

[0142] The processing results are packaged in the receiving format corresponding to the third-party system, and the packaged processing results are sent to the middle-layer system.

[0143] The data processing device 40 provided in this embodiment can execute the technical solution of the corresponding method embodiment. Its implementation principle and technical effect are similar to those of the corresponding method embodiment, and will not be repeated here.

[0144] The embodiment of the present application also provides an electronic device. The electronic device can be set in an intermediate layer system or a claims settlement system. For example, the electronic device is provided as a server.

[0145] Figure 8 Schematic diagram of the structure of an electronic device provided by this application. Figure 8 As shown, the electronic device 50 includes: a processor 501 and a memory 502 communicatively connected to the processor 501 .

[0146] The memory 502 stores computer-executable instructions; the processor 501 executes the computer-executable instructions stored in the memory 502 to implement the data processing method provided in the present application.

[0147] In the embodiment of the present application, the memory 502 and the processor 501 are connected via a bus. The bus may be an Industry Standard Architecture (ISA) bus, a Peripheral Component Interconnect (PCI) bus, or an Extended Industry Standard Architecture (EISA) bus, etc. The bus may be divided into an address bus, a data bus, a control bus, etc.

[0148] The components, their connections and relationships, and their functions shown herein are only examples and are not intended to limit the implementation of the present application described and / or required herein. The various components are interconnected using different buses and can be installed on a common motherboard or in other ways as needed.

[0149] In an exemplary embodiment, a computer-readable storage medium is also provided, in which computer-executable instructions are stored. When the computer-executable instructions are executed by a processor, they are used to implement the data processing method provided in the present application.

[0150] In an exemplary embodiment, a computer program product is also provided, including a computer program. When the computer program in the computer program product is executed by a processor, it is used to implement the data processing method provided in the present application.

[0151] It should be noted that, for the aforementioned method embodiments, for the sake of simplicity, they are all expressed as a series of action combinations, but those skilled in the art should be aware that the present application is not limited by the described order of actions, because according to the present application, certain steps can be performed in other orders or simultaneously. Secondly, those skilled in the art should also be aware that the embodiments described in the specification are all optional embodiments, and the actions and modules involved are not necessarily required by the present application.

[0152] It should be further noted that, although the various steps in the flowchart are displayed in sequence according to the indication of the arrows, these steps are not necessarily executed in sequence in the order indicated by the arrows. Unless there is a clear description in this article, the execution of these steps is not strictly limited in order, and these steps can be executed in other orders. Moreover, at least a portion of the steps in the flowchart 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 the execution order of these sub-steps or stages is not necessarily to be carried out in sequence, but can be executed in turn or alternately with other steps or at least a portion of the sub-steps or stages of other steps.

[0153] It should be understood that the above-mentioned device embodiments are only illustrative, and the device of the present application can also be implemented in other ways. For example, the division of units / modules in the above-mentioned embodiments is only a logical function division, and there may be other division methods in actual implementation. For example, multiple units, modules or components can be combined, or can be integrated into another system, or some features can be ignored or not executed.

[0154] In addition, unless otherwise specified, each functional unit / module in each embodiment of the present application may be integrated into one unit / module, each unit / module may exist physically separately, or two or more units / modules may be integrated together. The above-mentioned integrated unit / module may be implemented in the form of hardware or in the form of a software program module.

[0155] If the integrated unit / module is implemented in the form of hardware, the hardware may be a digital circuit, an analog circuit, etc. The physical implementation of the hardware structure includes but is not limited to transistors, memristors, etc. Unless otherwise specified, the processor may be any appropriate hardware processor, such as a central processing unit (CPU), a graphics processing unit (GPU), an application specific integrated circuit (ASIC), a digital signal processor (DSP), a programmable logic device (PLD), a field programmable gate array (FPGA), a controller, a microcontroller, a microprocessor or other electronic components. Unless otherwise specified, the memory can be implemented by any type of volatile or non-volatile storage device or a combination of them, such as a USB flash drive, random-access memory (RAM), static random-access memory (SRAM), dynamic random-access memory (DRAM), enhanced dynamic random-access memory (EDRAM), electrically erasable programmable read-only memory (EEPROM), erasable programmable read-only memory (EPROM), programmable read-only memory (PROM), read-only memory (ROM), high-bandwidth memory (HBM) or hybrid memory cube (HMC) and other media that can store program code.

[0156] If the integrated unit / module is implemented in the form of a software program module and sold or used as an independent product, it can be stored in a computer-readable memory. Based on this understanding, the technical solution of the present application is essentially or the part that contributes to the prior art or the whole or part of the technical solution can be embodied in the form of a software product, and the computer software product is stored in a memory, including a number of instructions for an electronic device to execute all or part of the steps of the various embodiments of the present application.

[0157] In the above embodiments, the description of each embodiment has its own emphasis. For the part not described in detail in a certain embodiment, please refer to the relevant description of other embodiments. The technical features of the above embodiments can be combined arbitrarily. In order to make the description concise, all possible combinations of the technical features in the above embodiments are not described. However, as long as there is no contradiction in the combination of these technical features, they should be considered to be within the scope of this specification.

[0158] Those skilled in the art will readily appreciate other embodiments of the present application after considering the specification and practicing the invention disclosed herein. The present application is intended to cover any modification, use or adaptation of the present application, which follows the general principles of the present application and includes common knowledge or customary techniques in the art that are not disclosed in the present application. The specification and examples are intended to be exemplary only, and the true scope and spirit of the present application are indicated by the claims.

[0159] It should be understood that the present application is not limited to the precise structures that have been described above and shown in the drawings, and that various modifications and changes may be made without departing from the scope thereof. The scope of the present application is limited only by the appended claims.

Claims

1. A data processing method, characterized in that: Applied to the middle-layer system, the method comprises: receiving a first claim reporting request from a third-party system; the first claim reporting request includes a system identifier of the third-party system, policy information, claim information, and a list for accessing the middle-layer system; If the list contains the system identifier, sending a second claim reporting request to the claim settlement system, so that the claim settlement system processes the second claim reporting request and returns a processing result; The processing result is sent to the third-party system.

2. The method according to claim 1, characterized in that The receiving of the first claim reporting request from the third-party system includes: A first report claim request from a third-party system is received through a report interface; the first report claim request is sent by the third-party system in response to a report application submitted by a user, obtaining the report information uploaded by the user, and calling the report interface.

3. The method according to claim 1, characterized in that The claim information includes claim image data; after receiving the first claim request from the third-party system, it also includes: The claim image data is sent to an image system so that the image system stores the claim image data.

4. A data processing method, characterized in that: Applied to a claims settlement system, the method comprises: receiving a second claim reporting request from the middle-layer system; the second claim reporting request includes policy information and claim information, and the second claim reporting request is sent by the middle-layer system after receiving the first claim reporting request from the third-party system; Generate a claim review task based on the policy information and the claim information; Acquire a claim settlement strategy corresponding to the third-party system from a plurality of preset claim settlement strategies; Based on the claim settlement strategy, determining the claims reviewer corresponding to the claim settlement review task; Sending the claim review task to the account of the claim reviewer and obtaining the processing result uploaded by the account; The processing result is sent to the middle-layer system, so that the middle-layer system sends the processing result to the third-party system.

5. The method according to claim 4, characterized in that Each of the preset claims settlement strategies is stored corresponding to the corresponding system identifier; The acquiring, from a plurality of preset claim settlement strategies, a claim settlement strategy corresponding to the third-party system comprises: From a plurality of preset claim strategies, a claim strategy stored corresponding to the system identifier of the third-party system is obtained.

6. The method according to claim 4, characterized in that The claim settlement strategy is that the third-party system corresponds to at least one level of review, and each level of review corresponds to at least one preset claim settlement reviewer, and each preset claim settlement reviewer has a corresponding weight; The determining, based on the claim settlement strategy, a claims reviewer corresponding to the claims review task includes: In the case where the third-party system corresponds to a first-level review and corresponds to a preset claims reviewer, the preset claims reviewer is determined as the claims reviewer corresponding to the claims review task; In the case where the third-party system corresponds to multiple levels of review and each level of review corresponds to a preset claims reviewer, the preset claims reviewers corresponding to each level of review are determined as the claims reviewers corresponding to the claims review task; When the third-party system corresponds to multiple levels of review, each level of review corresponds to multiple preset claims reviewers and each of the preset claims reviewers has a corresponding weight, the preset claims reviewer with the highest weight corresponding to each level of review is determined as the claims reviewer corresponding to the claim review task.

7. The method according to claim 4, characterized in that Also includes: In response to the image access request of the account, obtaining the claim image data corresponding to the claim review task from the image system; The claim image data is sent to the account.

8. The method according to claim 4, characterized in that The sending the processing result to the intermediate layer system includes: The processing result is packaged in a receiving format corresponding to the third-party system, and the packaged processing result is sent to the intermediate layer system.

9. A data processing device, characterized in that: Arranged in the middle layer system, the device comprises: A receiving module, configured to receive a first claim reporting request from a third-party system; the first claim reporting request includes a system identifier of the third-party system, policy information, claim information, and a list for accessing the middle-layer system; A sending module, configured to send a second case reporting and claim request to a claim settlement system if the list contains the system identifier, so that the claim settlement system processes the second case reporting and claim request and returns a processing result; The sending module is further used to send the processing result to the third-party system.

10. A data processing device, characterized in that: Set up in the claims system, the device includes: A receiving module, used for receiving a second claim reporting request from the middle-layer system; the second claim reporting request includes policy information and claim information, and the second claim reporting request is sent by the middle-layer system after receiving the first claim reporting request from the third-party system; A generation module, used for generating a claim review task based on the insurance policy information and the claim information; An acquisition module, used to acquire a claim settlement strategy corresponding to the third-party system from a plurality of preset claim settlement strategies; A determination module, used to determine the claims reviewer corresponding to the claims review task based on the claims strategy; The acquisition module is further used to issue the claim review task to the account of the claim reviewer and obtain the processing result uploaded by the account; The sending module is used to send the processing result to the middle-layer system, so that the middle-layer system sends the processing result to the third-party system.

11. An electronic device, characterized in that: include: A processor and a memory communicatively connected to the processor; The memory stores computer-executable instructions; The processor executes the computer-executable instructions stored in the memory to implement the data processing method according to any one of claims 1 to 3 or the data processing method according to any one of claims 4 to 8.

12. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores computer-executable instructions, which, when executed by a processor, are used to implement the data processing method according to any one of claims 1 to 3 or the data processing method according to any one of claims 4 to 8.

13. A computer program product, comprising a computer program, characterized in that When the computer program is executed by a processor, the computer program implements the data processing method according to any one of claims 1 to 3 or the data processing method according to any one of claims 4 to 8.

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