Commission calculation service real payment process vulnerability processing scheme

Abstract

The invention relates to the technical field of commission calculation, in particular to a commission calculation business actual payment process vulnerability processing scheme, which comprises the following steps of: based on a vulnerability problem analysis processing model and a common vulnerability problem analysis processing knowledge base, performing real-time detection analysis on input data while inputting data to calculate commission; and searching possible risk vulnerabilities, performing corresponding modification by a processing method, performing detection again, collecting and recording new vulnerability problems occurring in the commission calculation business actual payment process and the corresponding processing method, and inputting collected and recorded data into a common vulnerability problem analysis processing knowledge base for supplementing or updating. According to the invention, through the vulnerability problem analysis and processing model and the common vulnerability problem analysis and processing knowledge base, the input data can be detected and analyzed in real time while the worker inputs the data to calculate the commission, so that the commission data can be pre-analyzed when the data is input, and error correction can be carried out in advance.

Description

Technical Field

[0001] The present invention relates to the technical field of commission calculation, and in particular to a solution for handling loopholes in the actual payment process of a commission calculation business. Background Art

[0002] Insurance commission refers to the remuneration received by insurance agents, brokers or insurance company sales personnel from insurance companies as an incentive for them to promote and sell insurance products. The commission is usually a certain percentage of the sales price of the insurance product, and may sometimes be adjusted based on other factors such as sales volume, achieved targets, etc. The calculation and payment of commissions are usually set according to different insurance companies, insurance product types and sales models. The usual commission calculation business payment process is sales completion and policy effectiveness, commission calculation and commission payment.

[0003] At present, the commission calculation and actual payment process in the insurance industry has a large amount of data, and the amount of error data reported due to vulnerabilities is increasing, resulting in the continuous extension of the impact on the business process, thereby affecting the actual payment delivery time of the commission, and further affecting the business process. Summary of the invention

[0004] The purpose of the present invention is to solve the shortcomings of the prior art and to propose a solution for handling loopholes in the actual payment process of commission calculation business.

[0005] In order to achieve the above-mentioned purpose, the present invention adopts the following technical scheme: a scheme for handling loopholes in the actual payment process of a commission calculation service, the scheme for handling loopholes in the actual payment process of a commission calculation service comprises the following steps:

[0006] Step 1: Establish a vulnerability analysis and processing model and a common vulnerability analysis and processing knowledge base and use them together to input the vulnerability problems and corresponding processing methods that appeared in the actual payment process of the previous commission calculation business into the knowledge base;

[0007] Step 2: Collect the policy-related data, policy commission ratio, salesperson data, and customer-related data required to calculate the commission amount and input them into the model. Use the designed commission calculation formula to calculate the input data and obtain the corresponding commission amount.

[0008] Step 3: Based on the vulnerability analysis and processing model and the common vulnerability analysis and processing knowledge base, the input data will be tested and analyzed in real time while calculating the commission, to find possible risk vulnerabilities and provide processing methods for corresponding modifications and retesting;

[0009] Step 4: Pay the commissions that have been calculated and have no loopholes using multiple payment methods according to the determined payment plan, and conduct follow-up and adjustments later;

[0010] Step 5: Collect and record new vulnerability issues and corresponding processing methods that arise in the actual payment process of the commission calculation business, and input the collected and recorded data into the common vulnerability analysis and processing knowledge base for supplementation or update.

[0011] As a further solution of the present invention, the common vulnerability problem analysis and processing knowledge base is established based on Gauss and Oceanbase databases;

[0012] The GaussDB is a high-performance, high-availability, and high-reliability distributed database system launched by Huawei.

[0013] The OceanBase database is a highly scalable, highly available, and high-performance database solution provided by Alibaba Group. It is suitable for large-scale Internet application scenarios, especially in e-commerce, finance, social networking and other fields.

[0014] As a further solution of the present invention, the policy-related data includes the insured amount, the premium amount and the policy validity period;

[0015] The insured amount refers to the maximum amount of insurance compensation selected by the insured when purchasing insurance;

[0016] The premium amount is the fee paid by the policyholder to the insurance company for purchasing insurance services;

[0017] For long-term insurance products during the policy validity period, the commission may not only be calculated on the initial premium, but also involve commission payments when subsequent policies are renewed.

[0018] As a further solution of the present invention, the commission calculation formula is to calculate the commission based on the premium amount and the commission ratio, that is,

[0019] Insurance commission = premium × commission ratio

[0020] Among them, the premium is the amount paid by the customer for the insurance product, while the commission ratio varies depending on the insurance company and insurance product, and is usually expressed as a percentage.

[0021] As a further solution of the present invention, the detection and analysis of data includes data detection and non-data detection, and the data detection includes data input verification and validation, data integrity detection, data consistency detection, data anomaly detection and risk assessment;

[0022] The data input verification and validation includes format verification, type checking and range checking;

[0023] The data integrity check includes mandatory item detection and reference integrity verification;

[0024] The data consistency check includes logical consistency and historical consistency;

[0025] The anomaly detection and risk assessment includes using statistical methods such as variance and standard deviation to identify data points in the input data that deviate from normal patterns, and using machine learning algorithms (such as anomaly detection algorithms) to identify potential risks in the input data.

[0026] As a further solution of the present invention, the non-data detection includes security vulnerability detection and data source verification;

[0027] The security vulnerability detection includes SQL injection protection, cross-site scripting protection and verification of the legitimacy of input data;

[0028] The data source verification includes source legitimacy as well as identity authentication and authorization.

[0029] As a further aspect of the present invention, the payment plan includes a one-time commission payment and an installment commission payment;

[0030] The one-time commission payment is the full commission paid by the insurance company to the insurance agent or broker in one lump sum after the insurance contract takes effect in accordance with the contract agreement;

[0031] The installment commission payment refers to the insurance company paying the commission to the agent or broker in installments, usually on a monthly or quarterly basis, until the agreed total commission is paid.

[0032] As a further solution of the present invention, the payment method includes any one of bank transfer, third-party payment platform or cash payment.

[0033] As a further solution of the present invention, the post-tracking and adjustment includes commission tracking and policy modification and adjustment;

[0034] The commission tracking is to track the payment status of the commission after the commission is paid to ensure that the payment is accurate.

[0035] As a further solution of the present invention, the policy modification and adjustment is to adjust the paid commission according to the customer's cancellation or modification of the policy.

[0036] Compared with the prior art, the advantages and positive effects of the present invention are:

[0037] In the present invention, through the vulnerability problem analysis and processing model and the common vulnerability problem analysis and processing knowledge base, the input data can be detected and analyzed in real time while the staff enters the data to calculate the commission, and the possible risk loopholes can be found and the processing methods can be given for corresponding modifications and re-detection, so that the commission data can be pre-analyzed when the data is input, possible errors can be identified, and errors can be corrected in advance.

[0038] In the present invention, by collecting and recording new vulnerability problems and corresponding processing methods that appear in the actual payment process of the commission calculation business, and inputting the collected and recorded data into the common vulnerability problem analysis and processing knowledge base for supplementation or updating, the vulnerabilities in the data can be further fully found and quickly resolved. BRIEF DESCRIPTION OF THE DRAWINGS

[0039] Figure 1 It is a flow chart of the solution of the present invention. DETAILED DESCRIPTION

[0040] In order to make the purpose, technical solution and advantages of the present invention more clearly understood, the present invention is further described in detail below in conjunction with the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are only used to explain the present invention and are not intended to limit the present invention.

[0041] See also Figure 1 The present invention provides a technical solution: a commission calculation service payment process loophole processing solution, the commission calculation service payment process loophole processing solution includes the following steps:

[0042] Step 1: Establish a vulnerability analysis and processing model and a common vulnerability analysis and processing knowledge base and use them together to input the vulnerability problems and corresponding processing methods that appeared in the actual payment process of the previous commission calculation business into the knowledge base;

[0043] Step 2: Collect the policy-related data, policy commission ratio, salesperson data, and customer-related data required to calculate the commission amount and input them into the model. Use the designed commission calculation formula to calculate the input data and obtain the corresponding commission amount.

[0044] Step 3: Based on the vulnerability analysis and processing model and the common vulnerability analysis and processing knowledge base, the input data will be tested and analyzed in real time while calculating the commission, to find possible risk vulnerabilities and provide processing methods for corresponding modifications and retesting;

[0045] Step 4: Pay the commissions that have been calculated and have no loopholes using multiple payment methods according to the determined payment plan, and conduct follow-up and adjustments later;

[0046] Step 5: Collect and record new vulnerability issues and corresponding processing methods that arise in the actual payment process of the commission calculation business, and input the collected and recorded data into the common vulnerability analysis and processing knowledge base for supplementation or update.

[0047] The common vulnerability problem analysis and processing knowledge base is established based on Gauss and oceanbase databases. Gauss database GaussDB is a high-performance, high-availability, and high-reliability distributed database system launched by Huawei. It supports multiple database engines, including relational databases such as GaussDB for OLTP and distributed databases. Gauss database is mainly used for enterprise-level big data storage and processing, especially for scenarios requiring high concurrency, high throughput, and low latency. Oceanbase database is a highly scalable, high-availability, and high-performance database solution provided by Alibaba Group. It is suitable for large-scale Internet application scenarios, especially in e-commerce, finance, social networking and other fields. It supports MySQL and PostgreSQL protocols, has strong compatibility, and is easy to deploy and manage.

[0048] Policy-related data include the insured amount, premium amount and policy validity period. The insured amount refers to the maximum amount of insurance compensation selected by the insured when purchasing insurance. It indicates the maximum amount that the insurance company can pay according to the terms of the insurance contract when an insurance accident occurs. Different insurance products have different insured amounts, which can be selected according to personal needs. The premium amount is a fee paid by the insured to the insurance company in order to purchase insurance services. The premium amount is usually paid on a regular basis, which can be paid monthly, quarterly, annually, etc. The amount of the premium is closely related to factors such as the insured amount, insurance type and type, the insured's age and health status, the insurance period, and additional protection. For long-term insurance products, the commission may not only be calculated on the initial premium, but also involves the commission payment upon subsequent policy renewal.

[0049] The commission calculation formula is based on the premium amount and commission ratio, that is, insurance commission = premium × commission ratio

[0050] Among them, the premium is the amount paid by the customer for the insurance product, while the commission ratio varies according to the insurance company and insurance product. It is usually expressed as a percentage and is usually affected by several factors such as insurance type, policy term, sales channel, and the first payment or renewal of the policy.

[0051] The detection and analysis of data includes data detection and non-data detection. Data detection includes data input verification and validation, data integrity detection, data consistency detection, data anomaly detection and risk assessment. Data input verification and validation include format verification, type checking and range checking. Format verification is to ensure that the input data conforms to the predetermined format, such as date format, number range, string length, etc. For all possible input fields, reasonable format specifications need to be set. Type checking is to ensure that the data type is correct. For example, if the input field is required to be an integer, data type verification is performed. If a string or other type of data is input, feedback should be given immediately. Range checking is for numeric data to verify whether it falls within a reasonable range. For example, the age field should be between 0 and 120, and the amount field should not be a negative value. Data integrity detection includes mandatory item detection and reference integrity verification. Mandatory item detection is to detect whether there are mandatory fields that are not filled in to avoid null values. Missing data in key fields may lead to subsequent processing. The reference integrity check is to check whether the input data in the associated data table may need to be associated with the data in other tables for verification. For example, under the foreign key constraint, whether the input value of a field matches the value in other tables. The data consistency check includes logical consistency and historical consistency. The logical consistency is to check whether the logical relationship of the data is established. For example, the date of birth and age should be consistent, and the total amount of the order should be equal to the product of the price and quantity of the goods. The historical consistency is to compare the existing data with the historical records to detect whether there is any data that does not conform to the routine, for example, whether there is an abnormally large purchase quantity or transaction amount. Anomaly detection and risk assessment include the use of statistical methods such as variance and standard deviation to identify data points in the input data that deviate from the normal pattern. Outliers can be monitored in real time by setting thresholds or standardization / normalization methods, and machine learning algorithms such as anomaly detection algorithms can be used to identify potential risks in the input data. Common anomaly detection algorithms include Isolation Forest, K-Means clustering, principal component analysis PCA, etc.

[0052] Non-data detection includes security vulnerability detection and data source verification. Security vulnerability detection includes SQL injection protection, cross-site scripting protection, and verification of the legitimacy of input data. SQL injection protection is to ensure that database queries are properly escaped when processing user input to avoid SQL injection attacks. Malicious characters such as single quotes and semicolons in user input are filtered in real time to ensure that SQL injection will not occur. Cross-site scripting protection is to perform HTML escape on user input data to prevent malicious code from being executed. Verification of the legitimacy of input data is, for example, to check the type, size, and content of uploaded files to avoid uploading malicious files. Data source verification includes source legitimacy and identity verification and authorization. Source legitimacy is to ensure that the source of data is trustworthy. In multi-system data integration or API interaction, it is necessary to verify the reliability and permissions of the data source. Identity verification and authorization is to ensure that only authorized users can enter, modify, or delete data in a multi-user system. Secure identity authentication can be achieved through OAuth, JWT, and other methods.

[0053] The payment plan includes one-time payment of commission and installment payment of commission. The one-time payment of commission means that the insurance company will pay the full commission to the insurance agent or broker in one lump sum as agreed in the contract after the insurance contract takes effect. This method is usually suitable for short-term insurance or single-sale products. For example, life insurance policies usually adopt this method, especially in the first year of sales, the commission will be paid in one lump sum. The installment payment of commission means that the insurance company will pay the commission to the agent or broker in installments, usually on a monthly or quarterly basis, until the agreed total commission is paid. This payment method is common in long-term insurance products, especially some insurance products with a longer term.

[0054] Payment methods include bank transfer, third-party payment platform or cash payment.

[0055] Post-tracking and adjustments include commission tracking and policy modification and adjustment. Commission tracking is to track the payment status of commissions after they are paid to ensure that the payment is accurate. The methods of commission tracking include bank bills and payment records, payment gateways and electronic payment platforms, and financial management software such as QuickBooks, Xero, Zoho Books, etc.

[0056] Policy modification and adjustment refers to the adjustment of the commission paid based on the customer's cancellation or modification of the policy. During the insurance sales process, the insurance company usually pays the agent an initial commission, which is usually calculated based on the proportion of the first year's premium of the policy. If the customer chooses to cancel the policy, especially in the early stage of the policy, the insurance company usually requires the agent to return part or all of the commission paid. If the customer chooses to adjust the insurance policy, such as increasing the insurance amount, modifying the coverage content or reducing the coverage amount, the agent's commission income may change accordingly. If the customer increases the coverage amount, the agent may receive additional commission. If the coverage amount is reduced or part of the coverage is cancelled, the commission may be reduced.

[0057] The above are only preferred embodiments of the present invention and are not intended to limit the present invention in other forms. Any technician familiar with the profession may use the technical contents disclosed above to change or modify them into equivalent embodiments with equivalent changes and apply them to other fields. However, any simple modification, equivalent change and modification made to the above embodiments based on the technical essence of the present invention without departing from the technical solution of the present invention still falls within the protection scope of the technical solution of the present invention.

Claims

1. A solution for handling loopholes in the actual payment process of commission calculation business, characterized in that: The commission calculation business actual payment process vulnerability solution includes the following steps: Step 1: Establish a vulnerability analysis and processing model and a common vulnerability analysis and processing knowledge base and use them together to input the vulnerability problems and corresponding processing methods that appeared in the actual payment process of the previous commission calculation business into the knowledge base; Step 2: Collect the policy-related data, policy commission ratio, salesperson data, and customer-related data required to calculate the commission amount and input them into the model. Use the designed commission calculation formula to calculate the input data and obtain the corresponding commission amount. Step 3: Based on the vulnerability analysis and processing model and the common vulnerability analysis and processing knowledge base, the input data will be tested and analyzed in real time while calculating the commission, to find possible risk vulnerabilities and provide processing methods for corresponding modifications and retesting; Step 4: Pay the commissions that have been calculated and have no loopholes using multiple payment methods according to the determined payment plan, and conduct follow-up and adjustments later; Step 5: Collect and record new vulnerability issues and corresponding processing methods that arise in the actual payment process of the commission calculation business, and input the collected and recorded data into the common vulnerability analysis and processing knowledge base for supplementation or update.

2. A solution for handling loopholes in the actual payment process of commission calculation business according to claim 1, characterized in that: The common vulnerability problem analysis and processing knowledge base is established based on Gauss and Oceanbase databases; The GaussDB is a high-performance, high-availability, and high-reliability distributed database system launched by Huawei. The OceanBase database is a highly scalable, highly available, and high-performance database solution provided by Alibaba Group. It is suitable for large-scale Internet application scenarios, especially in e-commerce, finance, social networking and other fields.

3. A solution for handling loopholes in the actual payment process of commission calculation business according to claim 1, characterized in that: The policy-related data include the insured amount, premium amount and policy validity period; The insured amount refers to the maximum amount of insurance compensation selected by the insured when purchasing insurance; The premium amount is the fee paid by the policyholder to the insurance company for purchasing insurance services; For long-term insurance products during the policy validity period, the commission may not only be calculated on the initial premium, but also involve commission payments when subsequent policies are renewed.

4. A solution for handling loopholes in the actual payment process of commission calculation business according to claim 1, characterized in that: The commission calculation formula is to calculate the commission based on the premium amount and the commission ratio, that is, Insurance commission = premium × commission ratio Among them, the premium is the amount paid by the customer for the insurance product, while the commission ratio varies depending on the insurance company and insurance product, and is usually expressed as a percentage.

5. A solution for handling loopholes in the actual payment process of commission calculation business according to claim 1, characterized in that: The detection and analysis of data includes data detection and non-data detection, and the data detection includes data input verification and validation, data integrity detection, data consistency detection, data anomaly detection and risk assessment; The data input verification and validation includes format verification, type checking and range checking; The data integrity check includes mandatory item detection and reference integrity verification; The data consistency check includes logical consistency and historical consistency; The anomaly detection and risk assessment includes using statistical methods such as variance and standard deviation to identify data points in the input data that deviate from normal patterns, and using machine learning algorithms (such as anomaly detection algorithms) to identify potential risks in the input data.

6. A solution for handling loopholes in the actual payment process of commission calculation business according to claim 5, characterized in that: The non-data detection includes security vulnerability detection and data source verification; The security vulnerability detection includes SQL injection protection, cross-site scripting protection and verification of the legitimacy of input data; The data source verification includes source legitimacy as well as identity authentication and authorization.

7. A solution for handling loopholes in the actual payment process of commission calculation business according to claim 1, characterized in that: The payment plan includes a one-time commission payment and an installment commission payment; The one-time commission payment mentioned above refers to the full commission paid by the insurance company to the insurance agent or broker in one lump sum after the insurance contract takes effect in accordance with the contract agreement; The installment commission payment refers to the insurance company paying the commission to the agent or broker in installments, usually on a monthly or quarterly basis, until the agreed total commission is paid.

8. A solution for handling loopholes in the actual payment process of commission calculation service according to claim 1, characterized in that: The payment method includes bank transfer, third-party payment platform or cash payment.

9. A solution for handling loopholes in the actual payment process of commission calculation service according to claim 1, characterized in that: The subsequent tracking and adjustment include commission tracking and policy modification and adjustment; The commission tracking is to track the payment status of the commission after the commission is paid to ensure that the payment is accurate.

10. A solution for handling loopholes in the actual payment process of commission calculation service according to claim 9, characterized in that: The policy modification and adjustment is to adjust the commission already paid based on the customer's policy cancellation or policy modification.

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