Method and system for realizing common insurance service mode through third-party platform butt joint

Abstract

The invention relates to a method and system for realizing a common insurance service mode through third-party platform butt joint, and the method comprises the steps: transmitting a common insurance request to a third-party platform when an insurance applicant needs to handle a common insurance service; the third-party platform collects common insurance factor information of an insurance applicant, and sends a single API interface calling request; the docking platform performs identity authentication, and feeds back identity authentication passing information and an API calling voucher when the authentication passes; the third-party platform processes the co-insurance insuring factor information to obtain co-insurance insuring factor interface data; the docking platform generates an underwriting task; when the underwriting task passes processing, common insurance service insurance success information is fed back to the third-party platform; the third-party platform performs issuing processing according to the common insurance service insurance success information to obtain a common insurance policy; and the docking platform performs benefit distribution on all the co-insurance parties based on a co-insurance protocol pre-recorded by the insurance company server according to the co-insurance policy. The common insurance service processing efficiency is improved, and the human error risk is reduced.

Description

Technical Field

[0001] The present invention belongs to the field of insurance business, and in particular relates to a method and system for realizing a co-insurance business model by docking with a third-party platform. Background Art

[0002] Co-insurance business refers to a form of insurance cooperation in which two or more insurance companies jointly underwrite the same insurance business and share risks and benefits in accordance with the agreement. This form of cooperation aims to better protect the interests of customers by complementing resources, dispersing risks, improving underwriting capacity and reducing risk costs. As a new type of insurance cooperation model, co-insurance business has gradually attracted attention and recognition from the market.

[0003] There are three main operating modes for co-insurance business: one is that the insured and the co-insurers jointly issue an insurance policy, and each co-insurer signs a co-insurance agreement separately; the second is that the insured and the co-insurer each issue an insurance policy, and each co-insurer signs a co-insurance agreement separately; the third is that the insured and the main insurer issue an insurance policy, and each co-insurer signs a co-insurance agreement separately.

[0004] However, in the above three business models, information exchange between the insured and the underwriters, and between underwriters is relatively difficult, because the manual processing links are often subject to human operational errors and dispute risks. Especially in the scenario where the third-party system is connected to the insurance business, it is even more difficult to ensure the accuracy and security of the data; the co-insurance business process is complex and the manual processing efficiency is low; the traditional co-insurance business model system implementation method makes it impossible for all parties in the co-insurance body to monitor the progress and processing of the business in real time, and it is difficult to identify and assess the potential risks therein, and then it is difficult to make scientific decisions and precise adjustments. Summary of the invention

[0005] In order to remedy the deficiencies of the prior art, the present invention provides a method and system for implementing a co-insurance business model through docking with a third-party platform.

[0006] In order to solve the above technical problems, the technical solution adopted by the present invention is:

[0007] In a first aspect, a method for implementing a co-insurance business model through a third-party platform connection is provided, which is applied to a system for implementing a co-insurance business model through a third-party platform connection. The system for implementing a co-insurance business model through a third-party platform connection includes a third-party platform, a connection platform, a policyholder client, and an insurance company server. The method includes:

[0008] When the insured needs to handle co-insurance business, he / she sends a co-insurance request to the third-party platform through the insured client;

[0009] The third-party platform collects the insured's co-insurance information based on the co-insurance request and sends a billing API interface call request to the docking platform;

[0010] The docking platform performs identity authentication based on the order API interface call request. When the authentication is successful, it will feedback the identity authentication information and API call credentials to the third-party platform;

[0011] The third-party platform processes the co-insurance factor information according to the API call credentials, obtains the co-insurance factor interface data, and transmits the co-insurance factor interface data to the docking platform;

[0012] The docking platform processes the co-insurance element interface data and generates an underwriting task. When the underwriting task is processed successfully, the co-insurance business underwriting success information is fed back to the third-party platform.

[0013] The third-party platform issues an insurance policy based on the successful insurance information of the co-insurance business and obtains the co-insurance policy;

[0014] The docking platform distributes benefits to each co-insured party according to the co-insurance policy and based on the co-insurance agreement pre-entered by the insurance company's service end.

[0015] Furthermore, the method also includes:

[0016] The insurance company server sends API interface specifications and data exchange standards to the third-party platform based on preset API development capabilities.

[0017] Furthermore, the method also includes:

[0018] The insurance company service end enters the co-insurance agreement on the docking platform. The co-insurance agreement includes key content items, including co-insurance type information, co-insurance liability information, primary co-insurer identification, secondary co-insurer identification, premium ratio of each co-insurer, liability ratio of each co-insurer and secondary co-insurer bank transfer account information;

[0019] After the platform manager reviews the co-insurance agreement, the co-insurance agreement will be saved in the database of the docking platform.

[0020] Furthermore, the third-party platform collects the co-insurance information of the insured according to the co-insurance request, and sends a billing API interface call request to the docking platform, including:

[0021] According to the co-insurance request, the third-party platform collects the co-insurance information of the insured through the insured client or the insurance company server based on the API interface specifications and data exchange standards; verifies the authenticity and accuracy of the co-insurance information, and after the verification is passed, sends a single API interface call request to the docking platform.

[0022] Furthermore, the order API call request includes the platform identity.

[0023] The docking platform performs identity authentication based on the order API interface call request. When the authentication is successful, it will feedback the identity authentication information and API call credentials to the third-party platform, including:

[0024] The docking platform parses the single API interface call request to obtain the platform identity, and determines whether the platform identity is in the firewall whitelist access list;

[0025] If not, the verification fails, and the identity authentication failure information and the reason for the authentication failure are fed back to the third-party platform;

[0026] If so, the verification is successful, and the identity authentication information and API call credentials are fed back to the third-party platform.

[0027] Furthermore, the docking platform processes the co-insurance element interface data and generates an underwriting task; when the underwriting task is processed successfully, the co-insurance business underwriting success information is fed back to the third-party platform, including:

[0028] The docking platform parses the co-insurance factor interface data to obtain co-insurance factor information, and stores the co-insurance factor information in the contract insurance task pool;

[0029] The docking platform generates underwriting tasks based on the contract insurance task pool and saves the underwriting tasks to the underwriting task pool;

[0030] The docking platform processes the underwriting tasks in the underwriting task pool. The underwriting tasks include multiple insurance information items, such as basic information, risk assessment, credit inquiry and / or past medical history.

[0031] When the underwriting task fails, the docking platform will feedback the rejection information and the reason for the rejection to the third-party platform, and the third-party platform will send the rejection information and the reason for the rejection to the insured client, so that the insured can make corrections based on the rejection information and the reason for the rejection. After the correction, the third-party platform will re-initiate a new order API interface call request;

[0032] When the underwriting task is processed successfully, the docking platform will feedback the successful insurance information of the co-insurance business to the third-party platform.

[0033] Furthermore, the docking platform distributes benefits to each co-insured party according to the co-insurance policy and the co-insurance agreement pre-entered by the insurance company's service end, including:

[0034] The docking platform determines the co-insurance type information, co-insurance liability information, primary co-insurer identification, secondary co-insurer identification, premium ratio of each co-insurer, liability ratio of each co-insurer and bank transfer account information of the secondary co-insurer based on the co-insurance policy and the key content items of the co-insurance agreement;

[0035] The docking platform automatically distributes benefits according to the premium ratio of each co-insured party and generates distribution business vouchers;

[0036] The docking platform will send the allocated business voucher to the insurance company service end corresponding to the primary co-insured party; so that the insurance company service end corresponding to the primary co-insured party will transfer the premium to the secondary co-insured party's bank transfer account information based on the allocated business voucher.

[0037] Furthermore, the method also includes:

[0038] When a claim is made on the target co-insured policy, the insurance company service end corresponding to the primary co-insurer pays the policyholder full compensation and feeds back the full compensation information to the docking platform;

[0039] The docking platform automatically shares the risk according to the liability ratio of each co-insurer based on the full compensation information and generates a compensation business voucher; and collects the risk sharing compensation from the sub-co-insurer's bank transfer account information based on the compensation business voucher.

[0040] In the second aspect, a system for connecting with a third-party platform to realize a co-insurance business model is provided, including:

[0041] Third-party platform, docking platform, policyholder client and insurance company service end;

[0042] The policyholder client is used to send a co-insurance request to the third-party platform when the policyholder needs to handle co-insurance business;

[0043] The third-party platform is used to collect the co-insurance information of the insured according to the co-insurance request and send a billing API interface call request to the docking platform;

[0044] The docking platform is used to perform identity authentication based on the order API interface call request. When the verification is successful, the identity authentication information and API call credentials are fed back to the third-party platform;

[0045] The third-party platform is also used to process the co-insurance factor information according to the API call credentials, obtain the co-insurance factor interface data, and transmit the co-insurance factor interface data to the docking platform;

[0046] The docking platform is also used to process the co-insurance factor interface data and generate underwriting tasks; when the underwriting task is processed successfully, the co-insurance business underwriting success information is fed back to the third-party platform;

[0047] The third-party platform is also used to process the co-insurance policy based on the successful insurance information of the co-insurance business;

[0048] The docking platform is also used to distribute benefits to each co-insured party according to the co-insurance policy and based on the co-insurance agreement pre-entered by the insurance company's service end.

[0049] The beneficial effects achieved by the present invention are:

[0050] When the insured needs to handle co-insurance business, he / she sends a co-insurance request to the third-party platform through the insured client; the third-party platform collects the insured's co-insurance policy information based on the co-insurance request, and sends a billing API interface call request to the docking platform; the docking platform performs identity authentication based on the billing API interface call request, and when the authentication is passed, it feedbacks the identity authentication pass information and API call credentials to the third-party platform; the third-party platform processes the co-insurance policy information based on the API call credentials, obtains the co-insurance policy interface data, and transmits the co-insurance policy interface data to the docking platform; the docking platform processes the co-insurance policy interface data and generates an underwriting task; when the underwriting task is processed successfully, it feedbacks the co-insurance business underwriting success information to the third-party platform; the third-party platform processes the bill based on the co-insurance policy success information and obtains the co-insurance policy; the docking platform distributes benefits to each co-insured party based on the co-insurance agreement pre-entered by the insurance company's service end. The third-party platform and the docking platform automatically execute the contract calculation agreement to realize co-insurance processing under the condition of real-time docking and issuing orders by the third party, meet the order flow and timeliness requirements, improve business processing efficiency, and reduce the risk of human error; and the third-party platform and the docking platform can realize the whole process monitoring of co-insurance business processing, eliminate the information gap between customers, third parties, and co-insurers from the source, smooth out the problem of information asymmetry, identify and evaluate potential risks, and provide data basis for scientific decision-making and adjustment of all parties in the co-insurance group. BRIEF DESCRIPTION OF THE DRAWINGS

[0051] Figure 1 A flow chart of a method for implementing a co-insurance business model through a third-party platform connection according to the present invention;

[0052] Figure 2 A flowchart of the underwriting process of the present invention;

[0053] Figure 3 This is a structural diagram of the system for connecting to a third-party platform to realize a co-insurance business model in the present invention. DETAILED DESCRIPTION

[0054] The present invention will be further described below in conjunction with the accompanying drawings. The following embodiments are only used to more clearly illustrate the technical solution of the present invention, and cannot be used to limit the protection scope of the present invention.

[0055] The system for realizing the co-insurance business model by docking with a third-party platform in the present invention includes a third-party platform, a docking platform, a policyholder client and an insurance company service end, and the method for realizing the co-insurance business model by docking with a third-party platform is applied in the system.

[0056] like Figure 1As shown, an embodiment of the present invention provides a method for connecting a third-party platform to realize a co-insurance business model, including:

[0057] 101. When the insured needs to handle co-insurance business, he / she sends a co-insurance request to the third-party platform through the insured client;

[0058] In this embodiment, before co-insurance business is carried out, the interface specifications and data exchange standards between the parties need to be set in advance. Therefore, the insurance company server sends the API interface specifications and data exchange standards to the third-party platform based on the preset API development capabilities, so that the third-party platform, the docking platform, the insured client and the insurance company server can exchange data according to the API interface specifications and data exchange standards;

[0059] Before co-insurance business is carried out, the insurance company service end also needs to enter the co-insurance agreement on the docking platform. The co-insurance agreement includes key content items, including co-insurance type information, co-insurance liability information, primary co-insurer identification, secondary co-insurer identification, premium ratio of each co-insurer, liability ratio of each co-insurer and secondary co-insurer bank transfer account information; after the platform manager reviews the co-insurance agreement, it will be saved in the docking platform database;

[0060] When the insured needs to handle co-insurance business, the insured can operate on the policyholder client and send a co-insurance request to the third-party platform through the policyholder client.

[0061] 102. The third-party platform collects the co-insurance information of the insured according to the co-insurance request and sends a billing API interface call request to the docking platform;

[0062] In this embodiment, after the third-party platform receives the co-insurance request, it collects the co-insurance element information of the insured through the policyholder client or the insurance company server according to the co-insurance request and based on the API interface specifications and data exchange standards that have been specified in advance; the authenticity and accuracy of the co-insurance element information are verified, and after the verification is passed, a single API interface call request is sent to the docking platform.

[0063] 103. The docking platform performs identity authentication based on the order API interface call request. When the authentication is successful, it feeds back the identity authentication pass information and API call credentials to the third-party platform;

[0064] In this embodiment, the order API interface call request includes the platform identity, and the identity authentication process is specifically as follows:

[0065] The docking platform parses the single API interface call request to obtain the platform identity, and determines whether the platform identity is in the firewall whitelist access list;

[0066] If not, the verification fails, and the identity authentication failure information and the reason for the authentication failure are fed back to the third-party platform;

[0067] If so, the verification is successful, and the identity authentication information and API call credentials are fed back to the third-party platform.

[0068] 104. The third-party platform processes the co-insurance factor information according to the API call certificate, obtains the co-insurance factor interface data, and transmits the co-insurance factor interface data to the docking platform;

[0069] In this embodiment, after the third-party platform receives the identity authentication information and API call credentials, it proves that the third-party platform can conduct co-insurance business through the docking platform. The third-party platform processes the co-insurance element information into interface data based on the API call credentials and transmits it to the docking platform.

[0070] 105. The docking platform processes the co-insurance element interface data and generates an underwriting task. When the underwriting task is processed successfully, the co-insurance business underwriting success information is fed back to the third-party platform.

[0071] In this embodiment, the complete underwriting process is as follows: Figure 2 As shown below:

[0072] 201, the docking platform parses the co-insurance factor interface data to obtain co-insurance factor information, and stores the co-insurance factor information in the contract insurance task pool;

[0073] 202, the docking platform generates an underwriting task according to the contract insurance task pool, and saves the underwriting task to the underwriting task pool;

[0074] 203, the docking platform processes the underwriting tasks in the underwriting task pool, where the underwriting tasks include multiple insurance information items, including basic information, risk assessment, credit inquiry and / or past medical history;

[0075] 204, when the underwriting task processing fails, the docking platform feeds back the rejection information and the rejection reason information to the third-party platform, and the third-party platform sends the rejection information and the rejection reason information to the insured client, so that the insured can make corrections according to the rejection information and the rejection reason information. After the correction, the third-party platform re-initiates a new order API interface call request;

[0076] 205. When the underwriting task is processed successfully, the docking platform feeds back the co-insurance business underwriting success information to the third-party platform.

[0077] 106. The third-party platform issues an insurance policy based on the successful insurance information of the co-insurance business and obtains the co-insurance policy;

[0078] In this embodiment, after the third-party platform receives the successful insurance information of the co-insurance business, it indicates that the underwriting is passed and the insurance company agrees to underwrite the insurance. The insurance contract receipt is printed out and sent to the insured. After the insured pays the premium, he / she obtains the co-insurance policy.

[0079] 107. The docking platform distributes the benefits to the co-insured parties according to the co-insurance policy and the co-insurance agreement pre-entered by the insurance company’s service end.

[0080] In this embodiment, the specific process of distributing the co-insurance benefits is as follows:

[0081] The docking platform determines the co-insurance type information, co-insurance liability information, primary co-insurer identification, secondary co-insurer identification, premium ratio of each co-insurer, liability ratio of each co-insurer and bank transfer account information of the secondary co-insurer based on the co-insurance policy and the key content items of the co-insurance agreement;

[0082] The docking platform automatically distributes benefits according to the premium ratio of each co-insured party and generates distribution business vouchers;

[0083] The docking platform will send the allocated business voucher to the insurance company service end corresponding to the primary co-insured party; so that the insurance company service end corresponding to the primary co-insured party will transfer the premium to the secondary co-insured party's bank transfer account information based on the allocated business voucher.

[0084] It should be noted that the above steps describe the co-insurance underwriting and premium benefit allocation. However, after the co-insurance policy is formed, co-insurance risk allocation is still required when claims are subsequently made. The specific process is as follows:

[0085] When a claim is made on the target co-insured policy, the insurance company service end corresponding to the primary co-insurer pays the policyholder full compensation and feeds back the full compensation information to the docking platform;

[0086] The docking platform automatically shares the risk according to the liability ratio of each co-insurer based on the full compensation information and generates a compensation business voucher; and collects the risk sharing compensation from the sub-co-insurer's bank transfer account information based on the compensation business voucher.

[0087] The implementation principle of the embodiment of the present invention is:

[0088] When the insured needs to handle co-insurance business, the insured sends a co-insurance request to the third-party platform through the insured client; the third-party platform collects the insured's co-insurance factor information based on the co-insurance request, and sends a billing API interface call request to the docking platform; the docking platform performs identity authentication based on the billing API interface call request, and when the authentication is passed, it feedbacks the identity authentication pass information and API call credentials to the third-party platform; the third-party platform processes the co-insurance factor information based on the API call credentials, obtains the co-insurance factor interface data, and transmits the co-insurance factor interface data to the docking platform; the docking platform processes the co-insurance factor interface data and generates an underwriting task; when the underwriting task is processed, it feedbacks the co-insurance business underwriting success information to the third-party platform; the third-party platform processes the bill based on the co-insurance business underwriting success information and obtains the co-insurance policy; the docking platform distributes benefits to each co-insured party based on the co-insurance agreement pre-entered by the insurance company's service end according to the co-insurance policy;

[0089] The third-party platform and docking platform automatically execute the contract calculation agreement to realize the co-insurance processing under the condition of real-time docking with the third party, meet the requirements of order flow and timeliness, improve business processing efficiency, and reduce the risk of human error;

[0090] The third-party platform and the docking platform can realize the whole process monitoring of the co-insurance business processing, eliminate the information gap between customers, third parties and co-insurers from the source, smooth out the problem of information asymmetry, identify and evaluate potential risks, and provide data basis for scientific decision-making and adjustment by all parties of the co-insurance group.

[0091] In combination with the method for implementing a co-insurance business model through third-party platform connection described in the above embodiments, a system for implementing a co-insurance business model through third-party platform connection is described below through an embodiment.

[0092] like Figure 3 As shown, an embodiment of the present invention provides a system for connecting a third-party platform to realize a co-insurance business model, including:

[0093] Third-party platform 301, docking platform 302, policyholder client 303 and insurance company server 304;

[0094] The insured client 303 is used to send a co-insurance request to the third-party platform 301 when the insured needs to handle co-insurance business;

[0095] The third-party platform 301 is used to collect the co-insurance information of the insured according to the co-insurance request and send a billing API interface call request to the docking platform 302;

[0096] The docking platform 302 is used to perform identity authentication according to the order API interface call request. When the authentication is successful, it will feedback the identity authentication information and API call credentials to the third-party platform 301;

[0097] The third-party platform 301 is further used to process the co-insurance factor information according to the API call certificate, obtain the co-insurance factor interface data, and transmit the co-insurance factor interface data to the docking platform 302;

[0098] The docking platform 302 is also used to process the co-insurance factor interface data to generate an underwriting task; when the underwriting task is processed successfully, the co-insurance business underwriting success information is fed back to the third-party platform 301;

[0099] The third-party platform 301 is also used to process the co-insurance policy according to the successful insurance information of the co-insurance business, and obtain the co-insurance policy;

[0100] The docking platform 302 is also used to distribute benefits to each co-insured party according to the co-insurance policy and based on the co-insurance agreement pre-entered by the insurance company service end 304.

[0101] The implementation principle of the embodiment of the present invention is:

[0102] Through the interaction between the third-party platform 301, the docking platform 302, the insured client 303 and the insurance company server 304, when the insured needs to handle the co-insurance business, the insured sends a co-insurance request to the third-party platform through the insured client; the third-party platform collects the insured's co-insurance factor information according to the co-insurance request, and sends a billing API interface call request to the docking platform; the docking platform performs identity authentication according to the billing API interface call request, and when the authentication is passed, it feeds back the identity authentication pass information and API call credentials to the third-party platform; the third-party platform processes the co-insurance factor information according to the API call credentials, obtains the co-insurance factor interface data, and transmits the co-insurance factor interface data to the docking platform; the docking platform processes the co-insurance factor interface data and generates an underwriting task; when the underwriting task is processed, it feeds back the co-insurance business underwriting success information to the third-party platform; the third-party platform processes the bill according to the co-insurance business underwriting success information to obtain the co-insurance policy; the docking platform distributes benefits to each co-insured party based on the co-insurance agreement pre-entered by the insurance company server according to the co-insurance policy;

[0103] The third-party platform and docking platform automatically execute the contract calculation agreement to realize the co-insurance processing under the condition of real-time docking with the third party, meet the requirements of order flow and timeliness, improve business processing efficiency, and reduce the risk of human error;

[0104] The third-party platform and the docking platform can realize the whole process monitoring of the co-insurance business processing, eliminate the information gap between customers, third parties and co-insurers from the source, smooth out the problem of information asymmetry, identify and evaluate potential risks, and provide data basis for scientific decision-making and adjustment by all parties of the co-insurance group.

[0105] It will be appreciated by those skilled in the art that embodiments of the present invention may be provided as methods, systems, or computer program products. Therefore, the present invention may take the form of a complete hardware embodiment, a complete software embodiment, or an embodiment combining software and hardware. Furthermore, the present invention may take the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0106] The present invention is described with reference to flowcharts and / or block diagrams of methods, devices (systems), and computer program products according to embodiments of the present invention. It should be understood that each process and / or block in the flowchart and / or block diagram, as well as the combination of processes and / or blocks in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing device to produce a machine, so that the instructions executed by the processor of the computer or other programmable data processing device generate instructions for implementing the processes in the flowchart and / or block diagram. Figure 1 A process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.

[0107] These computer program instructions may also be stored in a computer-readable memory capable of directing a computer or other programmable data processing device to operate in a specific manner, so that the instructions stored in the computer-readable memory produce an article of manufacture comprising an instruction device, which implements the process Figure 1 A process or multiple processes and / or boxes Figure 1 A function specified in one or more boxes.

[0108] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of operating steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing instructions for implementing the process. Figure 1 A process or multiple processes and / or boxes Figure 1 A step that specifies a function in one or more boxes.

[0109] The above are merely embodiments of the present invention and are not intended to limit the present invention. Any modifications, equivalent substitutions, improvements, etc. made within the spirit and principles of the present invention are included in the scope of the claims of the present invention to be approved.

Claims

1. A method for implementing a co-insurance business model by connecting with a third-party platform, characterized in that: A system for implementing a co-insurance business model through a third-party platform connection, wherein the system includes a third-party platform, a connection platform, a policyholder client, and an insurance company server. The method includes: When the insured needs to handle co-insurance business, the insured sends a co-insurance request to the third-party platform through the insured client; The third-party platform collects the co-insurance information of the insured according to the co-insurance request, and sends a billing API interface call request to the docking platform; The docking platform performs identity authentication according to the order API interface call request, and when the authentication is passed, feedbacks the identity authentication pass information and API call credentials to the third-party platform; The third-party platform processes the co-insurance factor information according to the API call certificate to obtain co-insurance factor interface data, and transmits the co-insurance factor interface data to the docking platform; The docking platform processes the co-insurance element interface data to generate an underwriting task; when the underwriting task is processed successfully, the co-insurance business underwriting success information is fed back to the third-party platform; The third-party platform processes the co-insurance policy according to the successful insurance information of the co-insurance business, and obtains the co-insurance policy; The docking platform distributes benefits to each co-insured party according to the co-insurance policy and based on the co-insurance agreement pre-entered by the insurance company service end.

2. The method for realizing a co-insurance business model by docking with a third-party platform according to claim 1, characterized in that: The method further comprises: The insurance company service end sends API interface specifications and data exchange standards to the third-party platform based on preset API development capabilities.

3. The method for realizing a co-insurance business model by docking with a third-party platform according to claim 2, characterized in that: The method further comprises: The insurance company service end enters the co-insurance agreement into the docking platform, wherein the co-insurance agreement includes key content items, including co-insurance type information, co-insurance liability information, primary co-insurer identification, secondary co-insurer identification, premium ratio of each co-insurer, liability ratio of each co-insurer, and secondary co-insurer bank transfer account information; After the platform administrator reviews the co-insurance agreement, the co-insurance agreement will be saved in the database of the docking platform.

4. The method for realizing a co-insurance business model by docking with a third-party platform according to claim 3, characterized in that: The third-party platform collects the co-insurance information of the insured according to the co-insurance request, and sends a billing API interface call request to the docking platform, including: The third-party platform collects the co-insurance information of the insured through the insured client or the insurance company server according to the co-insurance request, based on the API interface specification and the data exchange standard; verifies the authenticity and accuracy of the co-insurance information, and after the verification is passed, sends a single API interface call request to the docking platform.

5. The method for realizing a co-insurance business model by docking with a third-party platform according to claim 4, characterized in that: The order API interface call request includes the platform identity, The docking platform performs identity authentication according to the order API interface call request, and when the authentication is passed, feedbacks the identity authentication pass information and API call credentials to the third-party platform, including: The docking platform parses the order API interface call request to obtain a platform identity, and determines whether the platform identity is in the firewall whitelist access list; If not, the verification fails, and the identity authentication failure information and the authentication failure reason information are fed back to the third-party platform; If yes, the verification is successful, and the identity authentication pass information and API call credentials are fed back to the third-party platform.

6. The method for realizing a co-insurance business model by docking with a third-party platform according to claim 5, characterized in that: The docking platform processes the co-insurance element interface data to generate an underwriting task; when the underwriting task is processed successfully, the co-insurance business underwriting success information is fed back to the third-party platform, including: The docking platform parses the co-insurance factor interface data to obtain co-insurance factor information, and stores the co-insurance factor information in the contract insurance task pool; The docking platform generates an underwriting task according to the contract insurance task pool, and saves the underwriting task to the underwriting task pool; The docking platform processes the underwriting tasks in the underwriting task pool, wherein the underwriting tasks include a plurality of insurance information items, and the insurance information items are basic information, risk assessment, credit inquiry and / or past medical history; When the underwriting task processing fails, the docking platform feeds back the rejection information and the rejection reason information to the third-party platform, and the third-party platform sends the rejection information and the rejection reason information to the policyholder client, so that the policyholder makes information rectification according to the rejection information and the rejection reason information, and after the rectification, the third-party platform re-initiates a new order API interface call request; When the underwriting task is processed successfully, the docking platform feeds back the co-insurance business underwriting success information to the third-party platform.

7. The method for realizing a co-insurance business model by docking with a third-party platform according to claim 6, characterized in that: The docking platform distributes benefits to each co-insured party according to the co-insurance policy and based on the co-insurance agreement pre-entered by the insurance company service end, including: The docking platform determines the co-insurance type information, co-insurance liability information, primary co-insurer identification, secondary co-insurer identification, premium ratio of each co-insurer, liability ratio of each co-insurer and bank transfer account information of the secondary co-insurer according to the co-insurance policy and the key content items of the co-insurance agreement; The docking platform automatically distributes benefits according to the premium ratio of each co-insurer and generates a distribution business voucher; The docking platform sends the allocated business certificate to the insurance company service end corresponding to the primary co-insurer; so that the insurance company service end corresponding to the primary co-insurer transfers the premium to the bank transfer account information of the secondary co-insurer according to the allocated business certificate.

8. The method for realizing a co-insurance business model by docking with a third-party platform according to claim 7, characterized in that: The method further comprises: When a claim is made on the target co-insured policy, the insurance company service end corresponding to the primary co-insurer pays the full amount of compensation to the insured and feeds back the full amount of compensation information to the docking platform; The docking platform automatically shares the risk according to the liability ratio of each co-insurer based on the full compensation information and generates a compensation business voucher; and collects the risk sharing compensation from the bank transfer account information of the secondary co-insurer based on the compensation business voucher.

9. A system for implementing a co-insurance business model by docking with a third-party platform, characterized in that: include: Third-party platform, docking platform, policyholder client and insurance company service end; The insured client is used to send a co-insurance request to the third-party platform when the insured needs to handle co-insurance business; The third-party platform is used to collect the co-insurance information of the insured according to the co-insurance request, and send a billing API interface call request to the docking platform; The docking platform is used to perform identity authentication according to the order API interface call request, and when the verification is passed, feedback the identity authentication pass information and API call credentials to the third-party platform; The third-party platform is further used to process the co-insurance factor information according to the API call certificate, obtain co-insurance factor interface data, and transmit the co-insurance factor interface data to the docking platform; The docking platform is further used to process the co-insurance element interface data to generate an underwriting task; when the underwriting task is processed successfully, feedback the co-insurance business underwriting success information to the third-party platform; The third-party platform is also used to process the co-insurance policy according to the successful insurance information of the co-insurance business, and obtain the co-insurance policy; The docking platform is also used to distribute benefits to each co-insured party according to the co-insurance policy and based on the co-insurance agreement pre-entered by the insurance company service end.

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