Family property insurance claim settlement method, device, equipment and medium

Abstract

The embodiment of the invention discloses a family property insurance claim settlement method and device, equipment and a medium. The method comprises the steps of receiving a family property insurance claim settlement request filled by an applicant; determining family property insurance claim settlement information according to the family property insurance claim settlement request, wherein the family property insurance claim settlement information comprises insurance buying information, accident information and family property information to be subjected to claim settlement; when the insurance information passes verification, disaster information of an area where the accident location information is located is obtained based on the accident location information in the accident information, and the disaster information at least comprises location information of a specified disaster type; and if the location information of the specified disaster type includes the accident location information, performing claim settlement accounting based on the property information of the family to be claimed.

Description

Technical Field

[0001] The present invention relates to the field of computer technology, and more particularly to a method, device, equipment and medium for settling claims for household property insurance. Background Art

[0002] With the rapid development of information technology and the Internet, the popularity and application of electronic applications in various fields have become increasingly widespread, greatly changing people's lifestyles and work patterns. In the field of financial services, the involvement of the Internet has made financial services more convenient, especially in the insurance industry. Through the online platform, users can easily purchase insurance, query policy information, and handle claims.

[0003] However, with the expansion and complexity of insurance business, the traditional insurance claims process faces many challenges. When calculating the claim amount, the traditional approach relies on manual operations, which takes a long time and cannot meet the service standards of quickly responding to customer needs, affecting the efficiency of claims services. Summary of the invention

[0004] One or more embodiments of this specification provide a household property insurance claims settlement method, device, equipment and medium for solving the technical problems raised by the background technology.

[0005] One or more embodiments of this specification adopt the following technical solutions:

[0006] One or more embodiments of this specification provide a household property insurance claim settlement method, the method comprising:

[0007] Receive home contents insurance claim requests completed by applicants;

[0008] Determining household property insurance claim information according to the household property insurance claim request, wherein the household property insurance claim information includes insurance information, accident information, and household property information to be claimed;

[0009] When the insurance information is verified, based on the accident location information in the accident information, obtaining disaster information of the area where the accident location information is located, wherein the disaster information at least includes location information where a specified disaster type occurs;

[0010] If the location information of the designated disaster type includes the risk location information, claim settlement is performed based on the household property information to be settled.

[0011] It should be noted that the embodiments of this specification have the following beneficial effects through the above contents:

[0012] Improve claims efficiency: By automatically processing claims requests, manual operation steps are reduced, thus shortening the claims cycle. The system can directly obtain disaster information based on the location of the disaster, avoiding manual query and waiting time.

[0013] Reduce manual errors: The automated accounting process reduces inaccurate claims due to manual calculation errors. The system automatically verifies insurance information, reducing claims disputes due to information errors.

[0014] Quick response to customer needs: The system's quick response capability can meet customers' immediate needs for claims services and improve customer satisfaction. When a disaster occurs, it can quickly assess the losses and provide claims services in a timely manner.

[0015] Improve the accuracy of claims: Based on the location matching of disaster information, the claim amount can be determined more accurately, avoiding the deviation of the claim amount caused by misjudgment of disaster type. The system can update disaster information in real time to ensure the accuracy of claims accounting.

[0016] Furthermore, the obtaining, based on the danger location information in the danger information, disaster information of the area where the danger location information is located, includes:

[0017] Obtaining a pre-established disaster database, wherein the disaster database is used to obtain and compile statistics on disaster information in different regions in real time;

[0018] Based on the disaster loss database, disaster information of the area where the disaster location information is located is obtained.

[0019] It should be noted that the embodiments of this specification have the following beneficial effects through the above contents:

[0020] Real-time disaster information acquisition: Through the pre-established disaster database, the system can obtain and compile statistics on disaster information in different areas in real time to ensure that the data used for claims settlement is the latest.

[0021] Accurate disaster location: The system accurately searches for corresponding disaster information in the disaster loss database based on the location information of the disaster, thereby improving the accuracy of disaster location.

[0022] Improve claims efficiency: Real-time access to disaster information can quickly determine whether the cause of the accident falls within the scope of insurance liability, thereby speeding up the claims process.

[0023] Furthermore, the method further comprises:

[0024] Integrate multiple parties to obtain disaster information in different regions in real time through a disaster information sharing platform, wherein the disaster information sharing platform is based on cloud computing;

[0025] The disaster information of different areas obtained by the multiple parties in real time is aggregated into the disaster database.

[0026] It should be noted that the embodiments of this specification have the following beneficial effects through the above contents:

[0027] Real-time data integration: Through the disaster information sharing platform, disaster information from different sources can be integrated in real time to ensure that the data in the disaster database is up-to-date and comprehensive.

[0028] Improve data quality: The efficient processing capabilities of the cloud computing platform can ensure the accuracy and consistency of data and improve the quality of the disaster information database.

[0029] Enhanced data accessibility: Cloud computing platforms allow multiple users to access disaster information simultaneously, allowing them to quickly obtain the required data no matter where they are located.

[0030] Furthermore, the disaster information also includes type information of the specified disaster type;

[0031] If the location information of the designated disaster type includes the risk location information, performing claim settlement based on the to-be-claimed household property information includes:

[0032] If the location information of the designated disaster type includes the danger location information, determining the disaster type of the danger information;

[0033] Determine whether the type information of the specified disaster type includes the disaster type in the risk information;

[0034] If so, the claim is calculated based on the family property information to be claimed.

[0035] It should be noted that the embodiments of this specification have the following beneficial effects through the above contents:

[0036] Accurate Disaster Type Identification: By determining the disaster type of the claim information, insurance companies can accurately identify the nature of the accident, which is crucial for correctly applying insurance terms and calculating claim amounts.

[0037] Improve claims accuracy: Determining whether the disaster type in the accident information is in the specified disaster type information helps ensure the accuracy of claims settlement and avoid claims disputes caused by incorrect disaster types.

[0038] Optimize the claims process: By automating the judgment process, the steps of manual review can be reduced, thereby optimizing the claims process and improving processing speed.

[0039] Furthermore, the claim settlement based on the to-be-claimed household property information includes:

[0040] Obtain historical claims information and insured amount information;

[0041] Based on the historical compensation information and the insured amount information, the claim settlement is calculated for the family property information to be settled.

[0042] It should be noted that the embodiments of this specification have the following beneficial effects through the above contents:

[0043] Matching risk with insured amounts: By analyzing historical claims information, insurance companies can ensure that claims records are consistent with insured amounts, avoiding situations where insured amounts are too high or too low.

[0044] Furthermore, the claim settlement is performed based on the family property information to be settled, including:

[0045] Determine the claim amount corresponding to the family property information to be claimed;

[0046] Performing a primary verification on the claim amount, and if the claim amount is less than a first preset value, making a claim according to the claim amount;

[0047] If the claim amount is not less than the first preset value, a secondary verification is performed on the claim amount, and a claim verification request is issued. After receiving the corresponding claim verification reply, the claim verification reply is verified. If the verification passes, the claim is made according to the claim amount.

[0048] It should be noted that the embodiments of this specification have the following beneficial effects through the above contents:

[0049] Standardized claims process: By setting preset values ​​for primary and secondary verification, insurance companies can establish a standardized claims process to ensure that all claims cases are handled according to established rules.

[0050] Simplify the processing of small claims: For small claims, if the claim amount is less than the first preset value, the claim can be processed directly, which simplifies the processing flow and improves efficiency.

[0051] Improve claims efficiency: Through automated primary and secondary verification processes, the time for manual review can be reduced, thereby speeding up claims settlement.

[0052] Enhanced verification accuracy: For larger claims, secondary verification and claim verification requests can ensure the accuracy of claim amounts and reduce erroneous payments.

[0053] Furthermore, the designated disaster type includes one or more of fire, explosion, hail, flood, tsunami, earthquake, mudslide and storm.

[0054] One or more embodiments of this specification provide a household property insurance claims settlement device, including:

[0055] A request receiving unit, receiving a household property insurance claim request filled in by an applicant;

[0056] A claim information determination unit, which determines the household property insurance claim information according to the household property insurance claim request, wherein the household property insurance claim information includes insurance information, accident information and household property information to be claimed;

[0057] an information acquisition unit, which, when the insurance information is verified, acquires disaster information of the area where the accident location information is located based on the accident location information in the accident information, wherein the disaster information at least includes location information where a specified disaster type occurs;

[0058] The claim settlement unit performs claim settlement based on the household property information to be claimed if the location information of the occurrence of the specified disaster type includes the risk location information.

[0059] One or more embodiments of this specification provide a household property insurance claims device, including:

[0060] at least one processor; and,

[0061] a memory communicatively connected to the at least one processor; wherein,

[0062] The memory stores instructions executable by the at least one processor, the instructions being executed by the at least one processor to enable the at least one processor to:

[0063] Receive home property insurance claim requests completed by applicants;

[0064] Determining household property insurance claim information according to the household property insurance claim request, wherein the household property insurance claim information includes insurance information, accident information, and household property information to be claimed;

[0065] When the insurance information is verified, based on the accident location information in the accident information, obtaining disaster information of the area where the accident location information is located, wherein the disaster information at least includes location information where a specified disaster type occurs;

[0066] If the location information of the occurrence of the designated disaster type includes the risk location information, claim settlement is performed based on the household property information to be settled.

[0067] One or more embodiments of this specification provide a non-volatile computer storage medium storing computer executable instructions, which can achieve the following when executed by a computer:

[0068] Receive home property insurance claim requests completed by applicants;

[0069] Determining household property insurance claim information according to the household property insurance claim request, wherein the household property insurance claim information includes insurance information, accident information, and household property information to be claimed;

[0070] When the insurance information is verified, based on the accident location information in the accident information, obtaining disaster information of the area where the accident location information is located, wherein the disaster information at least includes location information where a specified disaster type occurs;

[0071] If the location information of the occurrence of the designated disaster type includes the risk location information, claim settlement is performed based on the household property information to be settled.

[0072] At least one of the above technical solutions adopted in the embodiments of this specification can achieve the following beneficial effects:

[0073] Improve claims efficiency: By automatically processing claims requests, manual operation steps are reduced, thus shortening the claims cycle. The system can directly obtain disaster information based on the location information of the accident, avoiding manual query and waiting time.

[0074] Reduce manual errors: The automated accounting process reduces inaccurate claims due to manual calculation errors. The system automatically verifies insurance information, reducing claims disputes due to information errors.

[0075] Quick response to customer needs: The system's quick response capability can meet customers' immediate needs for claims services and improve customer satisfaction. When a disaster occurs, it can quickly assess the losses and provide claims services in a timely manner.

[0076] Improve the accuracy of claims: Based on the location matching of disaster information, the claim amount can be determined more accurately, avoiding the deviation of the claim amount caused by misjudgment of disaster type. The system can update disaster information in real time to ensure the accuracy of claims accounting. BRIEF DESCRIPTION OF THE DRAWINGS

[0077] In order to more clearly illustrate the technical solutions in the embodiments of this specification or the prior art, the following briefly introduces the drawings required for use in the embodiments or the prior art description. Obviously, the drawings described below are only some embodiments recorded in this specification. For ordinary technicians in this field, other drawings can be obtained based on these drawings without creative labor. In the drawings:

[0078] Figure 1 A flowchart of a household property insurance claim settlement method provided for one or more embodiments of this specification;

[0079] Figure 2 A flowchart of a home property insurance claims system provided for one or more embodiments of this specification;

[0080] Figure 3 The process of calculating the claim amount when the management terminal performs case review provided in one or more embodiments of this specification;

[0081] Figure 4 A schematic diagram of the structure of a household property insurance claims settlement device provided by one or more embodiments of this specification;

[0082] Figure 5 A schematic diagram of the structure of a household property insurance claims settlement device provided in one or more embodiments of this specification. DETAILED DESCRIPTION

[0083] The embodiments of this specification provide a household property insurance claims settlement method, device, equipment and medium.

[0084] In order to enable those skilled in the art to better understand the technical solutions in this specification, the technical solutions in the embodiments of this specification will be clearly and completely described below in conjunction with the drawings in the embodiments of this specification. Obviously, the described embodiments are only part of the embodiments of this specification, not all of the embodiments. Based on the embodiments of this specification, all other embodiments obtained by ordinary technicians in this field without creative work should fall within the scope of protection of this specification.

[0085] Figure 1 A flowchart of a household property insurance claim settlement method provided in one or more embodiments of this specification, which can be executed by a household property insurance claim settlement system. Certain input parameters or intermediate results in the process allow manual intervention and adjustment to help improve accuracy.

[0086] The method steps of the embodiment of this specification are as follows:

[0087] S101, receiving a household property insurance claim request filled out by an applicant.

[0088] S102, determining household property insurance claim information according to the household property insurance claim request, wherein the household property insurance claim information includes insurance information, accident information and household property information to be claimed.

[0089] In the examples of this specification, the above content can be implemented by the following specific implementation scheme:

[0090] Online Application: Applicants can submit home insurance claims through the insurance company's official website, mobile application or email. The home insurance claim request should contain all necessary details, including: the insured's name, contact information and address; policy number and policy period; date, time and place of the accident; cause of the accident and loss description; detailed list of damaged property and valuation, etc.

[0091] Automated processing: The household property insurance claims system receives the above-mentioned household property insurance claim requests, and can use OCR (optical character recognition) technology to automatically extract the insurance information, accident information and household property information to be claimed from the household property insurance claim requests, where the insurance information may include the insured's name, contact information, address, insurance policy number and insurance period; the accident information may include the date, time and location of the accident, as well as the cause of the accident and a description of the loss; the household property information to be claimed may include a detailed list of damaged property and a value assessment.

[0092] S103, when the insurance information is verified, based on the accident location information in the accident information, obtaining disaster information of the area where the accident location information is located, the disaster information at least includes location information of the occurrence of a specified disaster type.

[0093] In an embodiment of the present specification, when the insurance information is verified, a pre-established disaster database can be obtained, and the disaster database is used to obtain and count disaster information in different areas in real time; based on the disaster loss database, the disaster information of the area where the accident location information is located is obtained.

[0094] In the examples of this specification, the above content can be implemented by the following specific implementation scheme:

[0095] Step 1: Create a disaster database

[0096] Data Collection: Collect historical and real-time disaster data, including earthquakes, floods, fires, typhoons and other designated disaster types.

[0097] Data structure design: Design the database structure, including fields such as disaster type, occurrence time, geographical location, and impact range.

[0098] Data entry: Enter the collected disaster data into the database to ensure the accuracy and completeness of the data.

[0099] Data maintenance: Regularly update the database to add new data and correct errors.

[0100] Step 2: Develop a disaster information query system

[0101] System requirements analysis: Determine the functions required by the system, such as disaster information retrieval, statistics and analysis.

[0102] System Design: Design the system architecture, including the front-end interface and back-end database connection.

[0103] Interface development: Develop database query interfaces that allow the system to retrieve data based on query criteria entered by the user.

[0104] Step 3: Verify insurance information

[0105] Insurance information collection: During the insurance process, the insured’s basic information and accident location information are collected.

[0106] Information verification: Verify the collected insurance information to ensure its accuracy.

[0107] Step 4: Connect to the disaster database

[0108] Database connection: Ensure that the disaster information query system can be connected to the pre-established disaster database.

[0109] Data synchronization: Ensure that the data in the disaster database is synchronized with the query system.

[0110] Step 5: Obtain disaster information at the disaster location

[0111] Location information extraction: Extract the geographic coordinates or address of the accident location from the insurance information.

[0112] Disaster information retrieval: Use the query system to retrieve disaster information from the database based on the geographic coordinates or address of the disaster location.

[0113] Step 6: Disaster Information Screening

[0114] Filter conditions: Set filter conditions to obtain information on specific disaster types as needed.

[0115] Information screening: Based on the screening conditions, disaster information of the area where the disaster occurs is extracted from the search results.

[0116] Step 7: Disaster Information Analysis

[0117] Information collation: collate the selected disaster information, including disaster type, occurrence time, impact range, etc.

[0118] Statistical analysis: Conduct statistical analysis on disaster information, such as disaster frequency, loss assessment, etc.

[0119] It should be noted that the embodiments of this specification have the following beneficial effects through the above contents:

[0120] Real-time disaster information acquisition: Through the pre-established disaster database, the system can obtain and compile statistics on disaster information in different areas in real time to ensure that the data used for claims settlement is the latest.

[0121] Accurate disaster location: The system accurately searches for corresponding disaster information in the disaster loss database based on the location information of the disaster, thereby improving the accuracy of disaster location.

[0122] Improve claims efficiency: Real-time access to disaster information can quickly determine whether the cause of the accident falls within the scope of insurance liability, thereby speeding up the claims process.

[0123] S104: If the location information of the designated disaster type includes the risk location information, a claim settlement is performed based on the household property information to be settled.

[0124] In the embodiment of this specification, following the above step 7: disaster information analysis, the following specific implementation scheme can be implemented:

[0125] Step 8: Matching verification: Verify whether the queried disaster information matches the disaster location to ensure that the disaster actually occurred at the disaster location. If yes, proceed to the subsequent step 9. If not, the applicant can be notified that the application does not meet the requirements.

[0126] Step 9: Collect information on the property of the insured family: Collect a list of the insured family's property, including houses, vehicles, furniture, electrical appliances, etc. Assess the value of each property, which can be the original purchase price, market value, or the value agreed in the insurance contract.

[0127] Step 10: Determine the scope of the claim. According to the terms of the insurance contract, determine which property and types of losses are within the scope of the claim. Confirm the deductible clause in the insurance contract, which is the part that the insured needs to pay out of pocket.

[0128] Step 11: Assess disaster losses: Based on the disaster information, assess the impact of the disaster on the insured household’s property and calculate the amount of property losses caused by the disaster.

[0129] Step 12: Claims Settlement: Determine the claims settlement formula based on the insurance contract and loss calculation method. Apply the formula to calculate the actual claim amount. Consider any adjustment factors, such as special terms, discounts or additional fees in the insurance contract.

[0130] Step 13: Generate claim report: Prepare a claim report, including a description of the accident, a list of property losses, the claim calculation process, and the final claim amount. Review the accuracy and completeness of the claim report.

[0131] Step 14: Notify the insured: Notify the insured of the claim result, including the claim amount and claim process. Prepare all documents required for the claim, such as the insurance contract, property list, proof of loss, etc.

[0132] Step 15: Claims Payment: Process the claim payment according to the insurance company’s payment process. Confirm that the claim payment has been paid to the policyholder’s designated account.

[0133] Furthermore, when performing claim settlement based on the household property information to be settled, historical claim payment information and insurance coverage information may also be obtained; and claim settlement may be performed on the household property information to be settled based on the historical claim payment information and insurance coverage information.

[0134] It should be noted that the embodiments of this specification have the following beneficial effects through the above contents:

[0135] Matching risk with insured amounts: By analyzing historical claims information, insurance companies can ensure that claims records are consistent with insured amounts, avoiding situations where insured amounts are too high or too low.

[0136] Furthermore, the embodiments of this specification can also integrate disaster information of different regions obtained by multiple parties in real time through a disaster information sharing platform, and the disaster information sharing platform is operated based on cloud computing; the disaster information of different regions obtained by the multiple parties in real time is aggregated into the disaster database.

[0137] It should be noted that the embodiments of this specification have the following beneficial effects through the above contents:

[0138] Real-time data integration: Through the disaster information sharing platform, disaster information from different sources can be integrated in real time to ensure that the data in the disaster database is up-to-date and comprehensive.

[0139] Improve data quality: The efficient processing capabilities of the cloud computing platform can ensure the accuracy and consistency of data and improve the quality of the disaster information database.

[0140] Enhanced data accessibility: Cloud computing platforms allow multiple users to access disaster information simultaneously, allowing them to quickly obtain the required data no matter where they are located.

[0141] Furthermore, the disaster information also includes type information of the specified disaster type;

[0142] If the location information of the designated disaster type includes the location information of the accident, when performing claim settlement based on the household property information to be settled, if the location information of the designated disaster type includes the location information of the accident, determine the disaster type of the accident information; determine whether the type information of the designated disaster type includes the disaster type in the accident information; if so, perform claim settlement based on the household property information to be settled; if not, notify the applicant that the application is not compliant. The designated disaster type includes one or more of fire, explosion, hail, flood, tsunami, earthquake, mudslide and storm.

[0143] It should be noted that the embodiments of this specification have the following beneficial effects through the above contents:

[0144] Accurate Disaster Type Identification: By determining the disaster type of the claim information, insurance companies can accurately identify the nature of the accident, which is crucial for correctly applying insurance terms and calculating claim amounts.

[0145] Improve claims accuracy: Determining whether the disaster type in the accident information is in the specified disaster type information helps ensure the accuracy of claims settlement and avoid claims disputes caused by incorrect disaster types.

[0146] Optimize the claims process: By automating the judgment process, the steps of manual review can be reduced, thereby optimizing the claims process and improving processing speed.

[0147] Furthermore, when performing claim calculation based on the family property information to be claimed, the claim amount corresponding to the family property information to be claimed can be determined; a first-level verification is performed on the claim amount, and if the claim amount is less than a first preset value, the claim is made according to the claim amount; if the claim amount is not less than the first preset value, a second-level verification is performed on the claim amount, and a claim verification request is issued. After receiving a corresponding claim verification reply, the claim verification reply is verified, and if the verification is passed, the claim is made according to the claim amount.

[0148] It should be noted that the embodiments of this specification have the following beneficial effects through the above contents:

[0149] Standardized claims process: By setting preset values ​​for primary and secondary verification, insurance companies can establish a standardized claims process to ensure that all claims cases are handled according to established rules.

[0150] Simplify the processing of small claims: For small claims, if the claim amount is less than the first preset value, the claim can be processed directly, which simplifies the processing flow and improves efficiency.

[0151] Improve claims efficiency: Through automated primary and secondary verification processes, the time for manual review can be reduced, thereby speeding up claims settlement.

[0152] Enhanced verification accuracy: For larger claims, secondary verification and claim verification requests can ensure the accuracy of claim amounts and reduce erroneous payments.

[0153] It should be noted that the insurance industry is booming nowadays, and more and more people rely on insurance to protect their various rights and interests, such as family insurance, health insurance, accident insurance, etc. Therefore, insurance claims are particularly important, and it is an important guarantee for personal interests. Compared with traditional manual calculations, the family property insurance claims settlement system has greatly improved the claims efficiency of staff, and the data calculated by the computer is more accurate and reliable than ordinary calculations.

[0154] To achieve the above purpose, the embodiment of this specification provides a household property insurance claim settlement system developed based on Java language, and the specific process is as follows:

[0155] The first step is for the user to initiate a claim application:

[0156] When applying for a claim, you need to fill in the policyholder information, the insured person information, the payee information, the address of the accident, the cause of the accident, the property information, and upload pictures of various materials.

[0157] The second step is for the insurance center staff to accept the claim application:

[0158] When accepting the application, the staff needs to supplement the application with information, such as: whether it is third-party property, insurance beneficiary, amount of property loss, etc., and also needs to determine whether the case needs to be returned or not accepted.

[0159] Step 3, primary adjustment:

[0160] The insurance center's first-level adjuster fills in the first-level adjustment amount of each insured property and specifies the insurance type corresponding to each property. Ensure that the corresponding insurance type is selected for each data before the adjustment is carried out. During the first-level adjustment review, it is determined whether the adjustment amount is greater than the threshold set by the backend. If it is greater, it will enter the second-level adjustment survey stage, and the system will assign surveyors. Otherwise, it will enter the first-level adjustment review.

[0161] Step 4: Secondary Adjustment:

[0162] The insurance company surveyor assigned by the system conducts on-site surveys to determine the damage amount, and then conducts settlement again based on the surveyed damage amount. During the secondary settlement review, it is determined whether the settlement amount is greater than the threshold set by the backend. If it is greater, it will enter the third-level settlement, otherwise it will enter the payment confirmation stage.

[0163] Step 5, Level 3 Adjustment:

[0164] The damage assessment amount is adjusted for the final time, calculated and reviewed again, and then enters the payment confirmation stage.

[0165] Step 6: Payment confirmation:

[0166] After the insurance center staff makes payment, they will confirm the payment in the system.

[0167] The above is the general claims process of the claims system. The following is a detailed description of the implementation of the settlement part, involving the implementation of the database and code:

[0168] The first step is to configure the insurance configuration table, which mainly includes insurance code, insurance name, business type, property type, deductible, deductible ratio, insurance amount and other fields, which are used to calculate the claim deductible.

[0169] Step 2: Calculate the claim amount:

[0170] First, check the current person’s historical claims amount. If there is historical claims, the balance = insured amount - historical claims, otherwise the balance = insured amount.

[0171] Then query the current insurance type information and accumulate the amount according to the insurance type. Circulate the insurance type list and calculate the deductible according to the insurance type configuration table. For example: Insurance type 1 has a coverage of 10,000 yuan, a deductible of 500 yuan, and a deductible ratio of 10%. The calculation rules are:

[0172] if((insurance amount*10%)>500);

[0173] Compensation amount = balance - (insurance amount * 10%);

[0174] ElseCompensation amount = balance - 500.

[0175] If some types of insurance have special calculation rules, special calculation configuration is required, and then the calculation is performed according to the above process, which needs to be formulated according to the specific business.

[0176] At this point, the Java-based household property insurance claims settlement system has been completed. On this basis, you can add or delete steps to implement it. You don't have to stick to one implementation method. You can expand it according to the ideas of the embodiments of this specification.

[0177] Traditional insurance settlement methods are generally still limited to manual calculations, which are time-consuming, labor-intensive, and prone to errors. In the era of the rise of the Internet, computer calculations are more accepted by the public, but some systems still require manual input of the amount and rules to be calculated, which is extremely inconvenient for users. The embodiments of this specification solve this problem. Users only need to select the corresponding insurance type, and the background automatically matches the calculation rules to obtain the amount of the insurance, which greatly facilitates insurance workers.

[0178] In order to more clearly illustrate the implementation cases of the embodiments of this specification, the following is a brief introduction to the drawings required for the prior art solutions, as follows: Figure 2 As shown, it is a flow chart of the household property insurance claims system provided in the embodiment of this specification. It can be seen from the figure: first, the user applies for a claim, and the system performs identity verification of the insured. If the verification is successful, the claim application can be submitted. Then, after the server receives the application, it conducts a claim review to determine whether the case is a problem case. If there is a problem, the user is returned to supplement the materials. Otherwise, it is verified whether it is a small case. If the amount does not exceed the maximum amount of small cases set by the background, it directly enters the payment confirmation to close the case. Otherwise, it enters the investigation and determines whether it is a problem case and the amount verification again. If the amount is greater than the maximum amount set by the background, the case enters the review. After the review is completed, it enters the payment confirmation to make payment and complete it.

[0179] like Figure 3 The figure shows the claim amount calculation process when the management side conducts case review. It can be seen from the figure: the administrator selects the corresponding insurance type according to the accident information entered by the user, clicks on the settlement, and the background will automatically match the calculation rules and calculate the amount according to the insurance type, and obtain the claim amount for each accident information and display the total amount.

[0180] It should be noted that a Java-based home property insurance settlement system mainly includes the following steps:

[0181] Insurance rule configuration mainly includes deductible calculation rules, loss amount calculation method, available amount calculation method, special insurance calculation method, etc. Use Java to write the settlement amount calculation method to obtain the settlement amount.

[0182] The deductible calculation rules include:

[0183] The deductible calculation includes fixed deductible and deductible ratio, where deductible ratio = insured amount * deductible ratio.

[0184] If (deductible ratio > fixed deductible);

[0185] Deductible = fixed deductible;

[0186] ElseDeductible = Deductible ratio.

[0187] The calculation method is:

[0188] Add a new "Type" field to the configuration table, for example:

[0189] Type = 1, life insurance, then deductible calculation method = no deductible; loss amount calculation method = If (death) loss amount = insured amount;

[0190] Else (disability) loss amount = insurance amount * disability ratio;

[0191] Calculation method of available amount:

[0192] If (death) available amount = 0

[0193] Else (disability) available amount = insurance amount - ∑ historical compensation amount;

[0194] Type = 2, property insurance, then the deductible calculation method = min (fixed deductible, loss amount * deductible ratio); loss amount calculation method = ∑ actual loss amount; available amount calculation method = insurance amount - ∑ historical compensation amount.

[0195] It should be noted that it is necessary to configure the calculation amount configuration table and implement special configurations for special insurance types to achieve special settlement amount calculation methods.

[0196] It should be noted that the embodiments of this specification also include: echoing the calculated claim amount information to the front-end page, and calculating and displaying the total amount through the front-end component attribute method.

[0197] Figure 4 A structural diagram of a household property insurance claim settlement device provided for one or more embodiments of this specification includes: a request receiving unit 401, a claim settlement information determining unit 402, an information acquiring unit 403 and a claim settlement accounting unit 404.

[0198] Request receiving unit 401 receives a household property insurance claim request filled in by an applicant;

[0199] A claim information determination unit 402 determines the household property insurance claim information according to the household property insurance claim request, wherein the household property insurance claim information includes insurance information, accident information and household property information to be claimed;

[0200] The information acquisition unit 403 acquires disaster information of the area where the accident location information is located based on the accident location information in the accident information when the insurance information is verified, wherein the disaster information at least includes location information where a specified disaster type occurs;

[0201] The claim settlement unit 404 performs claim settlement based on the household property information to be claimed if the location information of the occurrence of the specified disaster type includes the risk location information.

[0202] Figure 5 A schematic diagram of a household property insurance claims settlement device provided for one or more embodiments of this specification includes:

[0203] at least one processor; and,

[0204] a memory communicatively connected to the at least one processor; wherein,

[0205] The memory stores instructions executable by the at least one processor, the instructions being executed by the at least one processor to enable the at least one processor to:

[0206] Receive home contents insurance claim requests completed by applicants;

[0207] Determining household property insurance claim information according to the household property insurance claim request, wherein the household property insurance claim information includes insurance information, accident information, and household property information to be claimed;

[0208] When the insurance information is verified, based on the accident location information in the accident information, obtaining disaster information of the area where the accident location information is located, wherein the disaster information at least includes location information where a specified disaster type occurs;

[0209] If the location information of the designated disaster type includes the risk location information, claim settlement is performed based on the household property information to be settled.

[0210] One or more embodiments of this specification provide a non-volatile computer storage medium storing computer executable instructions, which can achieve the following when executed by a computer:

[0211] Receive home contents insurance claim requests completed by applicants;

[0212] Determining household property insurance claim information according to the household property insurance claim request, wherein the household property insurance claim information includes insurance information, accident information, and household property information to be claimed;

[0213] When the insurance information is verified, based on the accident location information in the accident information, obtaining disaster information of the area where the accident location information is located, wherein the disaster information at least includes location information where a specified disaster type occurs;

[0214] If the location information of the occurrence of the designated disaster type includes the risk location information, claim settlement is performed based on the household property information to be settled.

[0215] Each embodiment in this specification is described in a progressive manner, and the same or similar parts between the embodiments can be referred to each other, and each embodiment focuses on the differences from other embodiments. In particular, for the device, equipment, and non-volatile computer storage medium embodiments, since they are basically similar to the method embodiments, the description is relatively simple, and the relevant parts can be referred to the partial description of the method embodiment.

[0216] Each embodiment in this specification is described in a progressive manner, and the same or similar parts between the embodiments can be referred to each other, and each embodiment focuses on the differences from other embodiments. In particular, for the device embodiment, since it is basically similar to the method embodiment, the description is relatively simple, and the relevant parts can be referred to the partial description of the method embodiment.

[0217] Those of ordinary skill in the art will appreciate that the units and algorithm steps of each example described in conjunction with the embodiments disclosed herein can be implemented in electronic hardware, or a combination of computer software and electronic hardware. Whether these functions are performed in hardware or software depends on the specific application and design constraints of the technical solution. Professional and technical personnel can use different methods to implement the described functions for each specific application, but such implementation should not be considered to be beyond the scope of this application.

[0218] In the embodiments provided in the present application, it should be understood that the disclosed devices / network equipment and methods can be implemented in other ways. For example, the device / network equipment embodiments described above are merely schematic. For example, the division of the modules or units is only a logical function division. There may be other division methods in actual implementation, such as multiple units or components can be combined or integrated into another system, or some features can be ignored or not executed. Another point is that the mutual coupling or direct coupling or communication connection shown or discussed can be through some interfaces, indirect coupling or communication connection of devices or units, which can be electrical, mechanical or other forms.

[0219] The units described as separate components may or may not be physically separated, and the components shown as units may or may not be physical units, that is, they may be located in one place or distributed on multiple network units. Some or all of the units may be selected according to actual needs to achieve the purpose of the solution of this embodiment.

[0220] In addition, each functional unit in each embodiment of the present application may be integrated into one processing unit, or each unit may exist physically separately, or two or more units may be integrated into one unit. The above units may be implemented in the form of hardware or software.

[0221] If the integrated module / unit is implemented in the form of a software functional unit and sold or used as an independent product, it can be stored in a computer-readable storage medium. Based on this understanding, the present application implements all or part of the processes in the above-mentioned embodiment method, and can also be completed by instructing the relevant hardware through a computer program. The computer program can be stored in a computer-readable storage medium, and the computer program can implement the steps of the above-mentioned various method embodiments when executed by the processor. Among them, the computer program includes computer program code, and the computer program code can be in source code form, object code form, executable file or some intermediate form. The computer-readable medium may include: any entity or device capable of carrying the computer program code, recording medium, U disk, mobile hard disk, disk, optical disk, computer memory, read-only memory (ROM, Read-Only Memory), random access memory (RAM, Random Access Memory), electric carrier signal, telecommunication signal and software distribution medium. It should be noted that the content contained in the computer-readable medium can be appropriately increased or decreased according to the requirements of legislation and patent practice in the jurisdiction. For example, in some jurisdictions, according to legislation and patent practice, computer-readable media do not include electric carrier signals and telecommunication signals.

[0222] The embodiments described above are only used to illustrate the technical solutions of the present application, rather than to limit them. Although the present application has been described in detail with reference to the aforementioned embodiments, a person skilled in the art should understand that the technical solutions described in the aforementioned embodiments may still be modified, or some of the technical features may be replaced by equivalents. Such modifications or replacements do not deviate the essence of the corresponding technical solutions from the spirit and scope of the technical solutions of the embodiments of the present application, and should all be included in the protection scope of the present application.

Claims

1. A household property insurance claim settlement method, characterized in that: include: Receive home contents insurance claim requests completed by applicants; Determining household property insurance claim information according to the household property insurance claim request, wherein the household property insurance claim information includes insurance information, accident information, and household property information to be claimed; When the insurance information is verified, based on the accident location information in the accident information, obtaining disaster information of the area where the accident location information is located, wherein the disaster information at least includes location information where a specified disaster type occurs; If the location information of the designated disaster type includes the risk location information, claim settlement is performed based on the household property information to be settled.

2. The method according to claim 1, characterized in that The acquiring, based on the danger location information in the danger information, disaster information of the area where the danger location information is located, comprises: Obtaining a pre-established disaster database, wherein the disaster database is used to obtain and compile statistics on disaster information in different regions in real time; Based on the disaster loss database, disaster information of the area where the disaster location information is located is obtained.

3. The method according to claim 2, characterized in that The method further comprises: Integrate multiple parties to obtain disaster information in different regions in real time through a disaster information sharing platform, wherein the disaster information sharing platform is based on cloud computing; The disaster information of different areas obtained by the multiple parties in real time is aggregated into the disaster database.

4. The method according to claim 1, characterized in that: The disaster information also includes type information of the type of disaster that occurs; If the location information of the designated disaster type includes the risk location information, performing claim settlement based on the to-be-claimed household property information includes: If the location information of the designated disaster type includes the danger location information, determining the disaster type of the danger information; Determine whether the type information of the specified disaster type includes the disaster type in the risk information; If so, the claim is calculated based on the family property information to be claimed.

5. The method according to claim 1, characterized in that The claim settlement based on the to-be-claimed family property information includes: Obtain historical claims information and insured amount information; Based on the historical compensation information and the insured amount information, the claim settlement is calculated for the family property information to be settled.

6. The method according to claim 1, characterized in that Claim settlement is performed based on the family property information to be settled, including: Determine the claim amount corresponding to the family property information to be claimed; Performing a primary verification on the claim amount, and if the claim amount is less than a first preset value, making a claim according to the claim amount; If the claim amount is not less than the first preset value, a secondary verification is performed on the claim amount, and a claim verification request is issued. After receiving the corresponding claim verification reply, the claim verification reply is verified. If the verification passes, the claim is made according to the claim amount.

7. The method according to claim 1, characterized in that The designated disaster types include one or more of fire, explosion, hail, flood, tsunami, earthquake, mudslide and storm.

8. A household property insurance claims device, characterized in that: include: A request receiving unit, receiving a household property insurance claim request filled in by an applicant; A claim information determination unit, which determines the household property insurance claim information according to the household property insurance claim request, wherein the household property insurance claim information includes insurance information, accident information and household property information to be claimed; an information acquisition unit, which, when the insurance information is verified, acquires disaster information of the area where the accident location information is located based on the accident location information in the accident information, wherein the disaster information at least includes location information where a specified disaster type occurs; The claim settlement unit performs claim settlement based on the household property information to be claimed if the location information of the occurrence of the specified disaster type includes the risk location information.

9. A household property insurance claims device, characterized in that: include: at least one processor; as well as, a memory communicatively connected to the at least one processor; wherein, The memory stores instructions executable by the at least one processor, the instructions being executed by the at least one processor to enable the at least one processor to: Receive home contents insurance claim requests completed by applicants; Determining household property insurance claim information according to the household property insurance claim request, wherein the household property insurance claim information includes insurance information, accident information, and household property information to be claimed; When the insurance information is verified, based on the accident location information in the accident information, obtaining disaster information of the area where the accident location information is located, wherein the disaster information at least includes location information where a specified disaster type occurs; If the location information of the designated disaster type includes the risk location information, claim settlement is performed based on the household property information to be settled.

10. A non-volatile computer storage medium, characterized in that: Computer executable instructions are stored, and when the computer executable instructions are executed by a computer, the following can be achieved: Receive home contents insurance claim requests completed by applicants; Determining household property insurance claim information according to the household property insurance claim request, wherein the household property insurance claim information includes insurance information, accident information, and household property information to be claimed; When the insurance information is verified, based on the accident location information in the accident information, obtaining disaster information of the area where the accident location information is located, wherein the disaster information at least includes location information where a specified disaster type occurs; If the location information of the designated disaster type includes the risk location information, claim settlement is performed based on the household property information to be settled.

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