A method and system for implementing a co-insurance business model through third-party platform docking

Abstract

The present invention relates to a method and system for realizing a co-insurance business model by docking a third-party platform. The method comprises the following steps: when an insured person needs to handle co-insurance business, a co-insurance request is sent to a third-party platform; the third-party platform collects the co-insurance information of the insured person and sends a policy API interface call request; the docking platform performs identity authentication, and when the authentication is passed, feedback is given of identity authentication pass information and API call credentials; the third-party platform processes the co-insurance information and obtains co-insurance interface data; the docking platform generates an underwriting task; when the underwriting task is processed, feedback is given of co-insurance business success information to the third-party platform; the third-party platform processes the policy according to the co-insurance information and obtains a 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. This improves the efficiency of co-insurance business processing and reduces the risk of human error.

Description

Technical Field

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

[0002] Co-insurance refers to a form of insurance cooperation in which two or more insurance companies jointly underwrite the same insurance business and share risks and profits according to an agreement. This cooperative approach aims to better protect customer interests by complementing resources, diversifying risks, improving underwriting capacity, and reducing risk costs. As a new insurance cooperation model, co-insurance is gradually gaining market attention and recognition.

[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-insurers 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 policyholders and underwriters, and between underwriters is relatively difficult, because manual processing often involves human operational errors and dispute risks. Especially in the scenario where a 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 manual processing is inefficient; the traditional co-insurance business model system implementation method makes it impossible for all parties in the co-insurance group 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. The method 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 call request to the docking platform;

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

[0011] 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;

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

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

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

[0015] Furthermore, the method further comprises:

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

[0017] Furthermore, the method further comprises:

[0018] The insurance company's service end enters the co-insurance agreement into 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 administrator 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 policyholder's co-insurance information based on the co-insurance request and sends a billing API 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 verification is successful, it feedbacks the identity authentication pass 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 yes, 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 successfully processed, the co-insurance business success information is fed back to the third-party platform, including:

[0028] The docking platform parses the co-insurance element interface data to obtain co-insurance element information, and stores the co-insurance element 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 underwriting tasks in the underwriting task pool. Underwriting tasks include multiple insurance information items, such as basic information, risk assessment, credit inquiry, and / or medical history.

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

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

[0033] Furthermore, the docking platform distributes benefits to each co-insured party based on 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-insured type information, co-insured 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 based on the co-insured policy and key content items of the co-insurance agreement;

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

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

[0037] Furthermore, the method further comprises:

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

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

[0040] Secondly, a system for connecting with a third-party platform to implement a co-insurance business model is provided, including:

[0041] Third-party platforms, docking platforms, policyholder clients and insurance company service terminals;

[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 insured's co-insurance information based on the co-insurance request and send a billing API 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 pass 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 element interface data and generate underwriting tasks; when the underwriting task is processed successfully, the co-insurance business insurance 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 co-insurance information.

[0048] The docking platform is also used to distribute benefits to each co-insured party based on the co-insurance policy and 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 insurance element information based on the co-insurance request, and sends a policy API interface call request to the docking platform; the docking platform performs identity authentication based on the policy API interface call request, and when the verification 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 insurance element information based on the API call credentials, obtains the co-insurance insurance element interface data, and transmits the co-insurance insurance element interface data to the docking platform; the docking platform processes the co-insurance insurance element interface data and generates an underwriting task; when the underwriting task is processed successfully, it feedbacks the co-insurance business insurance success information to the third-party platform; the third-party platform processes the policy based on the co-insurance business insurance 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 server according to the co-insurance policy. The third-party platform and the docking platform automatically execute the contract calculation agreement to realize co-insurance processing under the conditions of real-time docking and issuance of 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 by all parties of the co-insurance group. BRIEF DESCRIPTION OF THE DRAWINGS

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

[0052] Figure 2 This is a flow chart 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 implement a co-insurance business model. 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 solutions of the present invention and are not intended to limit the scope of protection 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 implementing a co-insurance business model by connecting with a third-party platform, 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, interface specifications and data exchange standards between all 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 pre-set API development capabilities, so that data can be exchanged between the third-party platform, the docking platform, the policyholder client and the insurance company server in accordance with the API interface specifications and data exchange standards.

[0059] Before co-insurance business is carried out, the insurance company's service end needs to enter the co-insurance agreement on the docking platform. The co-insurance agreement includes key content items, such as information on co-insured products, co-insured 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, it will be saved in the docking platform's database.

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

[0061] 102. The third-party platform collects the policyholder's co-insurance information based on the co-insurance request and sends a billing API 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 information of the insured through the insured client or the insurance company server based on the co-insurance request and the pre-specified 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.

[0063] 103. The docking platform performs identity authentication based on the order API interface call request. When the authentication is successful, it feedbacks 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 identifier, 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 yes, 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 credentials, 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 successfully processed, the co-insurance business 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 element interface data to obtain co-insurance element information, and stores the co-insurance element information in the contract insurance task pool.

[0073] 202. The docking platform generates an underwriting task based on the contract insurance task pool and saves the underwriting task to the underwriting task pool.

[0074] 203. The docking platform processes the underwriting task in the underwriting task pool. The underwriting task includes multiple insurance information items, including basic information, risk assessment, credit inquiry, and / or medical history.

[0075] 204. When the underwriting task fails, the docking platform will feedback the rejection information and rejection reason information to the third-party platform. The third-party platform will then send the rejection information and rejection reason information to the policyholder's client, allowing the policyholder to make corrections based on the rejection information and rejection reason information. After the corrections are made, the third-party platform will re-initiate a new policy issuance API call request.

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

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

[0078] In this embodiment, after the third-party platform receives the co-insurance business successful insurance information, 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 benefits to each co-insured party based on 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-insured type information, co-insured 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 based on the co-insured policy and key content items of the co-insurance agreement;

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

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

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

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

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

[0087] The implementation principles of the embodiments of the present invention are as follows:

[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 information based on the co-insurance request and sends a policy API interface call request to the docking platform; the docking platform performs identity authentication based on the policy API interface call request, and when the verification 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 information based on the API call credentials, obtains co-insurance interface data, and transmits the co-insurance interface data to the docking platform; the docking platform processes the co-insurance interface data and generates an underwriting task; when the underwriting task is passed, it feedbacks the co-insurance business success information to the third-party platform; the third-party platform processes the policy based on the co-insurance information and obtains the co-insurance policy; the docking platform distributes benefits to the co-insured parties based on the co-insurance agreement pre-entered by the insurance company's server.

[0089] The third-party platform and the docking platform automatically execute the contract calculation agreement, realizing co-insurance processing under the conditions of real-time docking and billing by the third party, meeting the billing volume and timeliness requirements, improving business processing efficiency, and reducing the risk of human error;

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

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

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

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

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

[0095] The third-party platform 301 is used to collect the insured's co-insurance information 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 based on the order API interface call request. When the authentication is successful, it feedbacks the identity authentication pass information and API call credentials to the third-party platform 301;

[0097] The third-party platform 301 is further configured 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 element interface data and generate an underwriting task; when the underwriting task is successfully processed, it feedbacks the co-insurance business insurance success information to the third-party platform 301;

[0099] The third-party platform 301 is also used to process the policy according to the successful 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 the co-insurance agreement pre-entered by the insurance company service end 304.

[0101] The implementation principles of the embodiments of the present invention are as follows:

[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 information based on the co-insurance request and sends a policy API interface call request to the docking platform; the docking platform performs identity authentication based on the policy API interface call request, and when the verification 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 information based on the API call credentials to obtain co-insurance interface data, and transmits the co-insurance interface data to the docking platform; the docking platform processes the co-insurance interface data and generates an underwriting task; when the underwriting task is processed successfully, it feedbacks the co-insurance business success information to the third-party platform; the third-party platform processes the policy based on the co-insurance 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 the docking platform automatically execute the contract calculation agreement, realizing co-insurance processing under the conditions of real-time docking and billing by the third party, meeting the billing volume and timeliness requirements, improving business processing efficiency, and reducing the risk of human error;

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

[0105] Those skilled in the art will appreciate that embodiments of the present invention may be provided as methods, systems, or computer program products. Thus, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment, or an embodiment combining software and hardware aspects. 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 magnetic 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 flowcharts and / or block diagrams, as well as combinations of processes and / or blocks in the flowcharts and / or block diagrams, 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 flowcharts and / or block diagrams. 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 that can direct a computer or other programmable data processing device to work 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 The 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 operational steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing the instructions executed on the computer or other programmable device for implementing the process. Figure 1 a process or multiple processes and / or boxes Figure 1 The steps for the function specified 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 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 based on the order API interface call request, and when the authentication is successful, it feeds back 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 parses the co-insurance element interface data to obtain co-insurance element information, and stores the co-insurance element information in the contract insurance task pool; The docking platform generates an underwriting task based on 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 multiple insurance information items, including basic information, risk assessment, credit inquiry and / or medical history; When the underwriting task fails, the docking platform feeds back the rejection information and 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's client, so that the policyholder can make corrections based on the rejection information and the rejection reason information. After the corrections are made, the third-party platform re-initiates a new policy issuance API interface call request; When the underwriting task is successfully processed, the docking platform feeds back information of successful co-insurance business to the third-party platform; The third-party platform processes the policy according to the successful insurance information of the co-insurance business to obtain the co-insurance policy; The docking platform determines, based on the co-insurance policy and the key content items of the co-insurance agreement, the co-insurance type information, co-insurance liability information, the primary co-insurer identifier, the secondary co-insurer identifier, the premium ratio of each co-insurer, the liability ratio of each co-insurer, and the secondary co-insurer's bank transfer account information; The docking platform automatically distributes benefits according to the premium ratio of each co-insured party and generates a distribution business voucher; The docking platform sends the allocation 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 allocation business certificate.

2. The method for implementing a co-insurance business model by connecting 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 implementing a co-insurance business model by connecting 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 implementing a co-insurance business model by connecting to a third-party platform according to claim 3, characterized in that: The third-party platform collects the co-insurance information of the policyholder 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 implementing a co-insurance business model by connecting 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 based on the order API interface call request. When the authentication is successful, it provides the third-party platform with identity authentication pass information and API call credentials, 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 reason for the authentication failure 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 implementing a co-insurance business model by connecting with a third-party platform according to claim 1, 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 policyholder 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.

7. A system for implementing a co-insurance business model by connecting with a third-party platform, characterized in that: include: Third-party platforms, docking platforms, policyholder clients and insurance company service terminals; 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; 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 based on the order API interface call request, and when the verification is successful, feedback the identity authentication pass information and API call credentials to the third-party platform; The third-party platform is further configured 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 parse the co-insurance element interface data to obtain co-insurance element information, and store the co-insurance element information in the contract insurance task pool; Generating an underwriting task based on the contract insurance task pool, and saving the underwriting task to the underwriting task pool; Processing the underwriting tasks in the underwriting task pool, wherein the underwriting tasks include multiple insurance information items, including basic information, risk assessment, credit inquiry and / or past medical history; when the underwriting task processing fails, feedback is given to the third-party platform regarding rejection information and rejection reason information, and the third-party platform sends the rejection information and the rejection reason information to the policyholder client, so that the policyholder makes information corrections based on the rejection information and the rejection reason information. After the corrections, the third-party platform re-initiates a new order API interface call request; when the underwriting task processing passes, feedback is given to the third-party platform regarding successful co-insurance business insurance; The third-party platform is further used to process the insurance policy according to the successful insurance information of the co-insurance business to obtain the co-insurance policy; The docking platform is also used to determine the co-insurance type information, co-insurance liability information, the main co-insurer identification, the secondary co-insurer identification, the premium ratio of each co-insurer, the liability ratio of each co-insurer and the secondary co-insurer's bank transfer account information based on the co-insurance policy and the key content items of the co-insurance agreement; automatically distribute benefits according to the premium ratio of each co-insurer and generate a distribution business voucher; send the distribution business voucher to the insurance company service end corresponding to the main co-insurer; so that the insurance company service end corresponding to the main co-insurer transfers the premium to the secondary co-insurer's bank transfer account information according to the distribution business voucher.

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