Fund receipt and payment request processing method and platform for insurance business

Abstract

The invention relates to a fund receipt and payment request processing method and platform for an insurance service. The method comprises the following steps: acquiring fund receipt and payment requests corresponding to insurance service transactions of a plurality of transaction paths; aiming at the fund receipt and payment request, selecting an optimal transaction channel matched with the current insurance service through rule routing based on service, flow and channels, and realizing fund receipt and payment through the optimal transaction channel; and acquiring fund transaction data, analyzing the fund transaction data, and updating and optimizing the rule routing in combination with channel transaction monitoring. Compared with the prior art, the method has the advantages of high rule configuration flexibility, high efficiency, high safety and the like.

Description

Technical Field

[0001] The present invention relates to the technical field of Internet payment, and in particular to a method and platform for processing fund collection and payment requests for insurance business. Background Art

[0002] In the continuous development of insurance business, fund collection and payment, as a key link, faces increasingly severe challenges. With the intensification of market competition and the continuous improvement of fund risk management requirements, the current system needs to meet the needs of more efficient, secure, flexible and cost-optimized fund collection and payment.

[0003] The insurance industry has frequent capital flows, involving multiple links such as premium collection, premium preservation, and compensation payment. These operations have extremely high requirements for efficiency, security, and accuracy. At the same time, customer experience has also become an important aspect of insurance business competition, including shortening the time for funds to arrive and diversifying payment methods.

[0004] At present, the insurance business fund collection and payment system mostly uses a fixed configuration combined with manual post-monitoring and adjustment to operate the payment channel. This semi-system and semi-manual operation mode has achieved the automation of fund collection and payment to a certain extent. However, with the continuous changes in business needs and the intensification of market competition, the limitations of this model have gradually emerged.

[0005] In summary, the current funds collection and payment system has the following deficiencies:

[0006] (1) Lack of flexibility in rule configuration: The rule configuration of current payment routing systems is often relatively fixed, making it difficult to quickly adapt to the dynamic changes in the insurance industry’s business needs. For example, during a promotion, it may be necessary to temporarily adjust rules such as payment channels and rates, but the existing system often cannot respond to these changes in a timely manner.

[0007] (2) Limited risk response capabilities: Since the system is overly dependent on a certain payment channel, the overall flexibility is insufficient. Once problems or policy adjustments occur in the payment channel, it may have a significant impact on the collection and payment of funds, affecting the normal operation of the business.

[0008] (3) Difficulty in cost control: The existing system is unable to make intelligent choices based on the cost differences of payment channels, resulting in higher payment costs. At the same time, due to the decline in payment success rate, longer processing time, and increased security risks, operating costs also increase, bringing great pressure to operations.

[0009] In summary, although the current insurance business fund collection and payment system has a certain degree of automation processing capabilities, it still has shortcomings such as lack of flexibility in rule configuration, limited risk response capabilities, and difficulty in cost control. Therefore, it is urgent to optimize and upgrade the system to meet the insurance industry's growing fund collection and payment needs. Summary of the invention

[0010] The purpose of the present invention is to overcome the defects of the above-mentioned prior art and provide a method and platform for processing fund collection and payment requests for insurance business, so as to solve or partially solve the problem of lack of flexibility in rule configuration.

[0011] The purpose of the present invention can be achieved by the following technical solutions:

[0012] One aspect of the present invention provides a method for processing fund collection and payment requests for insurance business, comprising the following steps:

[0013] Obtain fund collection and payment requests corresponding to insurance business transactions in multiple transaction channels;

[0014] For the fund collection and payment request, the optimal transaction channel matching the current insurance business is selected through rule routing based on business, traffic and channel, and the fund collection and payment is realized through the optimal transaction channel;

[0015] Obtain fund transaction data, analyze the fund transaction data, and update and optimize the rule routing in combination with channel transaction monitoring.

[0016] As a preferred technical solution, the process of selecting the optimal transaction channel matching the current insurance business based on the rule routing of business, traffic and channel includes the following steps:

[0017] Based on one or more basic rule factors of insurance business transactions, including business type, payment method, payment type, channel, bank, card type, channel, and currency, preliminary screening of all candidate transaction channels is performed;

[0018] Based on one or more quality factors of the abnormal rate, delay rate, failure rate, and success rate of the candidate transaction channels after the initial screening, combined with the business type of the insurance business transaction, the candidate transaction channels are screened for the second time;

[0019] Based on one or more channel factors including maintenance period, priority, blacklist, whitelist, transaction limit, and channel cost of the candidate transaction channels after secondary screening, the best transaction channel is selected from the candidate transaction channels after secondary screening.

[0020] As a preferred technical solution, a weighted random method is used to calculate the priority. If the amount of the current fund collection and payment request exceeds the transaction limit of the channel, the current fund collection and payment request is split and the channel cost is calculated on a single or proportional basis.

[0021] As a preferred technical solution, by analyzing the fund transaction data and combining channel transaction monitoring, the process of updating and optimizing the rule routing includes the following steps:

[0022] Based on the acquired fund transaction data, fund transaction data analysis is achieved by constructing multi-dimensional financial statements, channel transaction monitoring is achieved by monitoring multi-dimensional success rate, failure rate, delay rate and failure reasons, and update and optimization of the rule routing is achieved through fund transaction data analysis and channel transaction monitoring, wherein the multi-dimensional dimensions include business, channels, banks, customers and insurance products.

[0023] As a preferred technical solution, the insurance business includes new insurance, renewal, preservation and claims settlement, and the transaction channels include offline transactions, online transactions and batch transactions.

[0024] Another aspect of the present invention provides a platform for processing fund collection and payment requests for insurance services, comprising:

[0025] An insurance business system, used to generate fund collection and payment requests corresponding to insurance business transactions of multiple transaction paths;

[0026] A payment routing engine is used to select the optimal transaction channel that matches the current insurance business for the fund collection and payment request through rule routing based on business, traffic and channel, and realize fund collection and payment through the optimal transaction channel;

[0027] The financial data middle platform is used to obtain fund transaction data, analyze the fund transaction data, and update and optimize the rule routing in combination with channel transaction monitoring.

[0028] As a preferred technical solution, the payment routing engine is used to implement:

[0029] Based on one or more basic rule factors of insurance business transactions, including business type, payment method, payment type, channel, bank, card type, channel, and currency, preliminary screening of all candidate transaction channels is performed;

[0030] Based on one or more quality factors of the abnormal rate, delay rate, failure rate, and success rate of the candidate transaction channels after the initial screening, combined with the business type of the insurance business transaction, the candidate transaction channels are screened for the second time;

[0031] Based on one or more channel factors including maintenance period, priority, blacklist, whitelist, transaction limit, and channel cost of the candidate transaction channels after secondary screening, the best transaction channel is selected from the candidate transaction channels after secondary screening.

[0032] As a preferred technical solution, the payment routing engine adopts a weighted random method to calculate the priority. If the amount of the current fund collection and payment request exceeds the transaction limit of the channel, the current fund collection and payment request will be split and the channel cost will be calculated on a single or proportional basis.

[0033] As a preferred technical solution, the financial data middle platform is used to achieve:

[0034] Based on the acquired fund transaction data, fund transaction data analysis is achieved by constructing multi-dimensional financial statements, channel transaction monitoring is achieved by monitoring multi-dimensional success rate, failure rate, delay rate and failure reasons, and update and optimization of the rule routing is achieved through fund transaction data analysis and channel transaction monitoring, wherein the multi-dimensional dimensions include business, channels, banks, customers and insurance products.

[0035] As a preferred technical solution, the insurance business includes new insurance, renewal, preservation and claims settlement, and the transaction channels include offline transactions, online transactions and batch transactions.

[0036] Compared with the prior art, the present invention has at least one of the following beneficial effects:

[0037] (1) High flexibility in rule configuration: The payment routing engine of the present invention supports dynamic adjustment of channel routing rules, which significantly improves channel switching efficiency and enhances overall operational flexibility. Compared with existing systems, the new engine can quickly respond to business changes, reduce manual intervention, and improve operational efficiency.

[0038] (2) High efficiency and security: By setting up a financial data middle platform and conducting intelligent analysis, our system can accurately identify and optimize bottlenecks and problems in the payment process, thereby improving the payment success rate, reducing channel switching processing time, and effectively reducing fund security risks. These innovative improvements significantly improve the overall performance of the system and user experience. BRIEF DESCRIPTION OF THE DRAWINGS

[0039] Figure 1 It is a flowchart of a method for processing fund collection and payment requests for insurance business in an embodiment;

[0040] Figure 2 A schematic diagram of rule routing in an embodiment;

[0041] Figure 3 It is a schematic diagram of a fund collection and payment request processing platform for insurance business in an embodiment. DETAILED DESCRIPTION

[0042] The following will be combined with the drawings in the embodiments of the present invention to clearly and completely describe the technical solutions in the embodiments of the present invention. Obviously, the described embodiments are part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without creative work should fall within the scope of protection of the present invention.

[0043] Example 1

[0044] Regarding the problems existing in the above prior art, see Figure 1 This embodiment provides a method for processing fund collection and payment requests for insurance business. By adding a payment routing engine and a financial data analysis platform on the basis of a payment system, efficient, intelligent and refined management of fund collection and payment can be achieved. Specifically, this method includes the following steps:

[0045] Step S1, obtaining fund collection and payment requests corresponding to insurance business transactions of multiple transaction channels.

[0046] Step S2, for fund collection and payment requests, select the optimal transaction channel that matches the current insurance business through rule routing based on business, traffic and channel, and realize fund collection and payment through the optimal transaction channel.

[0047] Step S2 may include steps S201-S203:

[0048] Step S201, preliminarily screening all candidate transaction channels based on one or more basic rule factors of the insurance business transaction, including the business type, payment method, payment type, channel, bank, card type, channel, and currency;

[0049] Step S202, based on one or more quality factors of the abnormal rate, delay rate, failure rate, and success rate of the candidate transaction channels after the preliminary screening, combined with the business type of the insurance business transaction, the candidate transaction channels are secondary screened;

[0050] Step S203 selects the best transaction channel from the candidate transaction channels after the secondary screening based on one or more channel factors including the maintenance period, priority, blacklist, whitelist, transaction limit, and channel cost of the candidate transaction channels after the secondary screening. The priority is calculated by a weighted random method. If the amount of the current fund payment request exceeds the transaction limit of the channel, the current fund payment request is split and the channel cost is calculated by single transaction or proportion.

[0051] Specifically, the payment routing engine is introduced in step S2, which adopts microservice architecture and containerized deployment, and has high flexibility and scalability. The engine seamlessly adapts to a variety of mainstream domestic data sources such as OceanBase and TDSQL, and the URule rule engine, providing a solid foundation for diversified data processing.

[0052] The payment routing engine has two functions: intelligent decision-making and dynamic adjustment, which are described as follows:

[0053] (1) Intelligent decision-making: The payment routing engine receives payment transaction instructions initiated by the business system and intelligently decides the optimal payment channel to complete the payment instructions based on the preset algorithm and real-time data. This improvement significantly improves payment efficiency and accuracy.

[0054] For details, see Figure 2 This is a schematic diagram of fund routing rules, which includes business rule routing, flow rule routing and feature rule routing. Each part is described as follows:

[0055] 1) Business rule routing:

[0056] Business rule routing is centered on basic rule factors (business), covering key elements such as business type, payment method, channel, currency, etc. Through detailed business attribute screening, a list of channels that meet the needs is generated. For example, in the claim payment scenario, if the customer chooses to receive payment by bank card, all channels that support payment scenarios will be intelligently filtered out, and real-time single payment channels will be given priority to ensure the customer experience of fast insurance claims.

[0057] 2) Traffic rule routing:

[0058] The traffic rule module focuses on quality factors (traffic), including key indicators such as channel transaction abnormality rate, delay rate, failure rate, success rate, etc. It supports the combined application of flexible start and stop and business scenarios. For example, in the security scenario, by accurately adjusting the quality factor, the strict requirements of the business for high payment success rate can be met.

[0059] 3) Feature rule routing:

[0060] The characteristic rule module revolves around characteristic factors (channels), covering key elements such as channel maintenance period, priority, blacklist and whitelist, transaction limit, channel cost, etc. It can accurately screen out the optimal payment channel based on channel characteristics. In terms of priority processing, it supports random algorithms and weighted ratio algorithms; for channel limits, it provides limit warnings and automatic transaction splitting functions; in terms of channel costs, it supports optimal calculation of channel costs by single transaction or by proportion. For example, in the renewal batch agreement deduction scenario, the system will intelligently select batch transaction channels to maximize the reduction of channel costs.

[0061] (2) Dynamic adjustment: The payment routing engine is highly flexible and scalable, and can dynamically adjust routing rules according to changes in business needs and payment environment to ensure smooth fund collection and payment. Dynamic adjustment is achieved through step S3.

[0062] Step S3, obtaining fund transaction data, analyzing the fund transaction data, combining channel transaction monitoring, and updating and optimizing the rule routing.

[0063] Specifically, this step is based on the acquired fund transaction data, and realizes fund transaction data analysis by constructing multi-dimensional financial statements. Channel transaction monitoring is realized by monitoring the success rate, failure rate, delay rate and failure reasons in multiple dimensions. Through fund transaction data analysis and channel transaction monitoring, the update and optimization of rule routing is realized, wherein the multiple dimensions include business, channels, banks, customers and insurance products.

[0064] This step introduces the financial data analysis platform, which has the functions of real-time monitoring and analysis, and intelligent application of analysis results. The various functions are described as follows:

[0065] (1) Real-time monitoring and analysis: The payment system pushes payment data to the financial data analysis platform in real time. The platform uses big data technology to comprehensively monitor and analyze transaction data, and promptly discover and warn of potential risks and problems. The data analysis stage combines Alibaba's big data processing platform with its self-developed data analysis platform, and uses OMS to collect binlog data of fund transactions in real time, thereby completing the instant loading of offline data. After receiving this data, the data center performs efficient data processing and simultaneously monitors and warns to ensure the security and accuracy of the data. In terms of channel transaction monitoring, it has powerful multi-dimensional monitoring capabilities, including business, channels, banks, customers, and insurance products. It can monitor the success rate, failure rate, delay rate, and failure reasons of each dimension in real time to ensure the smooth progress of transactions.

[0066] (2) Intelligent application of analysis results: The analysis results of the financial data analysis platform will be intelligently applied to the routing rules of the payment routing engine to achieve dynamic optimization and cost control of payment channels. At the same time, the business team can also intuitively understand the fund collection and payment situation through the business analysis report and adjust the routing rules as needed. The platform provides multi-dimensional financial statements, allowing the business team to understand the fund collection and payment situation from all aspects and angles. In addition, the platform supports deep integration with AI big models to provide intelligent assistance for routing decisions. In terms of channel transaction intelligent analysis, based on advanced big model algorithms, in-depth analysis of business scenarios is carried out to achieve intelligent routing. For example, when a customer frequently uses XX bank card for insurance, the next time the customer conducts new insurance, preservation or claims business, XX bank will be intelligently displayed by default, and direct connection channels will be given priority to improve customer experience. Similarly, when a channel has a low payment success rate for a single bank, the system can automatically identify and adjust the priority of other channels supporting the bank to effectively improve the payment success rate.

[0067] In summary, this method has the following characteristics:

[0068] (1) New payment routing engine with high flexibility, high availability and high scalability:

[0069] 1) Improved flexibility: The payment routing engine supports dynamic adjustment of channel routing rules. This innovative feature significantly improves channel switching efficiency and enhances overall operational flexibility. Compared with the existing system, the new engine can quickly respond to business changes, reduce manual intervention, and improve operational efficiency.

[0070] 2) Enhanced availability: By introducing a backup routing channel, the payment system ensures that each payment transaction can be completed smoothly, thereby greatly improving the stability of the business. This innovative design effectively avoids payment failures caused by single channel failures and enhances system reliability and user trust.

[0071] 3) Breakthrough in scalability: Based on the Drools rule engine, payment routing rules support rapid expansion and can easily meet the diverse needs of the business. This innovative technology enables the system to easily cope with future business development and changes, reducing the cost of technology upgrades and maintenance.

[0072] (2) New financial data analysis platform:

[0073] 1) Intelligent analysis: It integrates business and capital transaction data, and realizes intelligent analysis of channel transaction status through all-round and multi-dimensional data analysis and monitoring, combined with advanced large model algorithms. This innovative platform can deeply explore the value of data and provide strong support for business decision-making.

[0074] 2) Improved efficiency and security: Through intelligent analysis, we can accurately identify and optimize bottlenecks and problems in the payment process, thereby improving payment success rates, reducing channel switching processing time, and effectively reducing fund security risks. These innovative improvements have significantly improved the overall performance of the system and user experience.

[0075] Example 2

[0076] Based on Example 1, see Figure 3 This embodiment provides a platform for processing fund collection and payment requests for insurance business, including:

[0077] (1) An insurance business system, used to generate fund collection and payment requests corresponding to insurance business transactions in multiple transaction channels.

[0078] (2) A payment routing engine is used to select the optimal transaction channel that matches the current insurance business for fund collection and payment requests through rule routing based on business, traffic, and channels, and realize fund collection and payment through the optimal transaction channel. Specifically, the payment routing engine is used to implement the function of step S2 in Example 1.

[0079] (3) The financial data middle station is used to obtain fund transaction data, analyze the fund transaction data, and update and optimize the rule routing in combination with channel transaction monitoring. Specifically, the financial data middle station is used to implement the function of step S3 in Example 1.

[0080] The present invention has the following beneficial effects:

[0081] (1) Significant improvement in operational efficiency: The improved flexibility of the payment routing engine and the intelligent analysis function of the financial data analysis platform enable rapid response to business changes, optimization of payment processes, and reduction of manual intervention. According to preliminary estimates, these improvements have increased operational efficiency by approximately 30% and significantly reduced operating costs.

[0082] (2) User experience is greatly improved: The payment routing engine's bottom-line routing channel design and the real-time monitoring function of the financial data analysis platform ensure the smooth completion of each payment transaction and reduce payment failures and delays. These improvements have significantly improved the user experience.

[0083] (3) Effective reduction of fund security risks: The intelligent analysis and monitoring functions of the financial data analysis platform enable timely discovery and early warning of potential fund security risks, so that effective measures can be taken to prevent and respond. According to statistics, these improvements have reduced fund security risks by about 5%.

[0084] (4) Significant cost-saving effect: Through the scalability design of the payment routing engine and the optimization suggestions of the financial data analysis platform, payment channel resources can be used more rationally and payment costs can be reduced.

[0085] In summary, this technical solution significantly improves the system's operational efficiency, user experience, capital security, and cost savings by introducing innovations such as a payment routing engine and a financial data analysis platform.

[0086] The above is only a specific embodiment of the present invention, but the protection scope of the present invention is not limited thereto. Any technician familiar with the technical field can easily think of various equivalent modifications or replacements within the technical scope disclosed by the present invention, and these modifications or replacements should be included in the protection scope of the present invention. Therefore, the protection scope of the present invention shall be based on the protection scope of the claims.

Claims

1. A method for processing fund collection and payment requests for insurance business, characterized in that: The steps include: Obtain fund collection and payment requests corresponding to insurance business transactions in multiple transaction channels; For the fund collection and payment request, the optimal transaction channel matching the current insurance business is selected through rule routing based on business, traffic and channel, and the fund collection and payment is realized through the optimal transaction channel; Obtain fund transaction data, analyze the fund transaction data, and update and optimize the rule routing in combination with channel transaction monitoring.

2. A method for processing fund collection and payment requests for insurance business according to claim 1, characterized in that: The process of selecting the optimal transaction channel matching the current insurance business based on the rule routing of business, traffic and channel includes the following steps: Based on one or more basic rule factors of insurance business transactions, including business type, payment method, payment type, channel, bank, card type, channel, and currency, preliminary screening of all candidate transaction channels is performed; Based on one or more quality factors of the abnormal rate, delay rate, failure rate, and success rate of the candidate transaction channels after the initial screening, combined with the business type of the insurance business transaction, the candidate transaction channels are screened for the second time; Based on one or more channel factors including maintenance period, priority, blacklist, whitelist, transaction limit, and channel cost of the candidate transaction channels after secondary screening, the best transaction channel is selected from the candidate transaction channels after secondary screening.

3. A method for processing fund collection and payment requests for insurance business according to claim 2, characterized in that: The priority is calculated by a random weight method. If the amount of the current fund collection and payment request exceeds the transaction limit of the channel, the current fund collection and payment request is split and the channel cost is calculated on a single or proportional basis.

4. A method for processing fund collection and payment requests for insurance business according to claim 1, characterized in that: By analyzing the fund transaction data and combining channel transaction monitoring, the process of updating and optimizing the rule routing includes the following steps: Based on the acquired fund transaction data, fund transaction data analysis is achieved by constructing multi-dimensional financial statements, channel transaction monitoring is achieved by monitoring multi-dimensional success rate, failure rate, delay rate and failure reasons, and update and optimization of the rule routing is achieved through fund transaction data analysis and channel transaction monitoring, wherein the multi-dimensional dimensions include business, channels, banks, customers and insurance products.

5. A method for processing fund collection and payment requests for insurance business according to claim 1, characterized in that: The insurance business described includes new insurance, renewal, preservation and claims settlement, and the transaction channels described include offline transactions, online transactions and batch transactions.

6. A platform for processing fund collection and payment requests for insurance business, characterized in that: include: An insurance business system, used to generate fund collection and payment requests corresponding to insurance business transactions of multiple transaction paths; A payment routing engine is used to select the optimal transaction channel that matches the current insurance business for the fund collection and payment request through rule routing based on business, traffic and channel, and realize fund collection and payment through the optimal transaction channel; The financial data middle platform is used to obtain fund transaction data, analyze the fund transaction data, and update and optimize the rule routing in combination with channel transaction monitoring.

7. A platform for processing fund collection and payment requests for insurance business according to claim 6, characterized in that: The payment routing engine is used to implement: Based on one or more basic rule factors of insurance business transactions, including business type, payment method, payment type, channel, bank, card type, channel, and currency, preliminary screening of all candidate transaction channels is performed; Based on one or more quality factors of the abnormal rate, delay rate, failure rate, and success rate of the candidate transaction channels after the initial screening, combined with the business type of the insurance business transaction, the candidate transaction channels are screened for the second time; Based on one or more channel factors including maintenance period, priority, blacklist, whitelist, transaction limit, and channel cost of the candidate transaction channels after secondary screening, the best transaction channel is selected from the candidate transaction channels after secondary screening.

8. The insurance business fund collection and payment request processing platform according to claim 7, characterized in that: The payment routing engine calculates the priority by a random weight method. If the amount of the current fund collection and payment request exceeds the transaction limit of the channel, the current fund collection and payment request is split and the channel cost is calculated by single transaction or proportion.

9. The insurance business fund collection and payment request processing platform according to claim 6, characterized in that: The financial data middle platform is used to achieve: Based on the acquired fund transaction data, fund transaction data analysis is achieved by constructing multi-dimensional financial statements, channel transaction monitoring is achieved by monitoring multi-dimensional success rate, failure rate, delay rate and failure reasons, and update and optimization of the rule routing is achieved through fund transaction data analysis and channel transaction monitoring, wherein the multi-dimensional dimensions include business, channels, banks, customers and insurance products.

10. The insurance business fund collection and payment request processing platform according to claim 6, characterized in that: The insurance business described includes new insurance, renewal, preservation and claims settlement, and the transaction channels described include offline transactions, online transactions and batch transactions.

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