Insurance method and group insurance management system

Abstract

The invention discloses an insurance buying method and a group insurance management system, and the method comprises the steps: generating a quotation sheet based on online quotation data; generating a first short link based on the price list; when the second user side checks the first short link, the second user side is redirected to the resource address of the price list; generating an insurance slip based on the online insurance data; sending the insurance information to a third-party system to obtain an underwriting result fed back by the third-party system; under the condition that the underwriting result is passing, determining a payment bill based on the online insurance data; generating a second short link based on the payment bill; when the second user side checks the second short link, the second user side is redirected to the resource address of the payment bill; and based on the payment request, completing the payment process of the insurance policy, and obtaining insurance policy information. According to the insurance buying method realized based on the group insurance management system, the operation efficiency, compliance and market competitiveness of group insurance business can be comprehensively improved, and powerful support is provided for digital transformation of the insurance industry.

Description

Technical Field

[0001] The present application relates to the field of insurance information technology, and in particular to an insurance method and a group insurance management system. Background Art

[0002] With the rapid development of Internet technology, the insurance industry is gradually transforming towards digitalization. However, the current group insurance business management system framework lags behind, resulting in slow system iteration and insufficient flexibility, making it difficult to meet the rapid changes and diversified needs of the market, limiting business expansion. The traditional group insurance core business system faces many challenges such as rapid market changes, diversified customer needs, and increasingly stringent compliance requirements. There are many pain points, such as long system launch cycle, cumbersome underwriting process, poor business front-end reusability, high compliance risk, difficulty in managing multi-license and multi-territorial business, and insufficient peak processing capacity. These problems seriously restrict the rapid development of group insurance business and the improvement of user experience. Summary of the invention

[0003] This application provides an insurance method and a group insurance management system, aiming to comprehensively improve the operational efficiency, compliance and market competitiveness of group insurance business and provide strong support for the digital transformation of the insurance industry.

[0004] In order to achieve the above objectives, this application provides the following technical solutions:

[0005] A method of insurance, comprising:

[0006] Generate a quotation based on the online quotation data sent by the first user terminal;

[0007] Based on the quotation, generating a first short link for sharing with a second user terminal;

[0008] When the second user terminal views the first short link, redirecting the second user terminal to the resource address of the quotation, so that the second user terminal obtains the quotation;

[0009] Generate an insurance application based on the online insurance application data sent by the first user terminal or the second user terminal; the online insurance application data at least includes insurance application information and insurance product information;

[0010] Calling a third-party service interface to send the insurance information to a third-party system to obtain the underwriting result fed back by the third-party system; the third-party system is used to perform rule verification on the insurance information to obtain the underwriting result;

[0011] If the underwriting result is passed, determining a corresponding payment order based on the online insurance data;

[0012] Based on the payment slip, generating a second short link for sharing with the second user terminal;

[0013] When the second user terminal views the second short link, redirecting the second user terminal to the resource address of the payment slip, so that the second user terminal obtains the payment slip;

[0014] Based on the payment request sent by the second user terminal, the payment process of the insurance application is completed to obtain corresponding insurance policy information.

[0015] Optionally, the method further includes:

[0016] If a policy change request is received from the second user terminal within the specified validity period, the preservation service interface is called to provide preservation changes for the policy information.

[0017] Optionally, the method further includes:

[0018] Obtaining offline insurance data sent by the first user terminal; the offline insurance data at least includes offline insurance product information and offline insurance policy information;

[0019] The offline insurance data is entered to complete offline business retention.

[0020] Optionally, the method further includes:

[0021] Encrypt and save the online insurance data and corresponding policy information to complete business retention;

[0022] The online insurance data is exchanged with the insurance data of the external system to achieve business collaboration.

[0023] Optionally, the method further includes:

[0024] If the policy information is revoked, the revoked policy information is recorded in the policy revocation list;

[0025] If the policy information has not been revoked, the policy information is stored in a database to provide management services for the policy information.

[0026] A group insurance management system, comprising:

[0027] Front-end services, middle-end and back-end;

[0028] The service objects of the front-end service include agents and group customers, and the front-end service is used to provide a human-computer interaction interface for the user terminal; the types of the user terminals include the first user terminal of the agent and the second user terminal of the group customer;

[0029] The middle platform at least includes an insurance service module and an underwriting service module;

[0030] The insurance service module is used to: generate a quotation based on the online quotation data sent by the first user terminal; generate a first short link for sharing with the second user terminal based on the quotation; when the second user terminal views the first short link, redirect the second user terminal to the resource address of the quotation so that the second user terminal obtains the quotation; generate an insurance application based on the online insurance data sent by the first user terminal or the second user terminal; the online insurance data at least includes insurance information and insurance product information; when the underwriting result of the insurance information is passed, determine the corresponding payment slip based on the online insurance data; generate a second short link for sharing with the second user terminal based on the payment slip; when the second user terminal views the second short link, redirect the second user terminal to the resource address of the payment slip so that the second user terminal obtains the payment slip; based on the payment request sent by the second user terminal, complete the payment process of the insurance application to obtain the corresponding insurance policy information;

[0031] The underwriting service module is used to call the third-party service interface and send the insurance information to the backend to obtain the underwriting result fed back by the backend;

[0032] The background includes a third-party system, and the third-party system is used to perform rule verification on the insurance information to obtain the underwriting result.

[0033] Optionally, the middle platform also includes a security service module;

[0034] The security service module is used to call the security service interface and provide security changes for the policy information if a policy change request sent by the second user terminal is received within a specified validity period.

[0035] Optionally, the middle platform also includes an offline insurance policy service module;

[0036] The offline insurance policy service module is used to obtain offline insurance data sent by the first user terminal; the offline insurance data at least includes offline insurance product information and offline insurance policy information; the offline insurance data is entered to complete offline business retention.

[0037] Optionally, the middle platform also includes a data storage module and a docking system module;

[0038] The data storage module is used to encrypt and save the online insurance data and the corresponding policy information to complete business retention;

[0039] The docking system module is used to exchange the online insurance data with the insurance data of the external system to achieve business collaboration.

[0040] Optionally, the middle platform also includes a policy service module;

[0041] The policy service module is used to record the revoked policy information in a cancellation list if the policy information is revoked; if the policy information is not revoked, store the policy information in a database to provide management services for the policy information.

[0042] The technical solution provided by the present application generates a quotation based on the online quotation data sent by the first user terminal. Based on the quotation, a first short link is generated for sharing with the second user terminal. When the second user terminal views the first short link, the second user terminal is redirected to the resource address of the quotation so that the second user terminal obtains the quotation. Based on the online insurance data sent by the first user terminal or the second user terminal, an insurance application is generated. A third-party service interface is called to send the insurance information to the third-party system to obtain the underwriting result fed back by the third-party system. If the underwriting result is passed, the corresponding payment order is determined based on the online insurance data. Based on the payment order, a second short link is generated for sharing with the second user terminal. When the second user terminal views the second short link, the second user terminal is redirected to the resource address of the payment order so that the second user terminal obtains the payment order. Based on the payment request sent by the second user terminal, the payment process of the insurance application is completed to obtain the corresponding insurance policy information. The insurance method implemented by the present application based on the group insurance management system can comprehensively improve the operational efficiency, compliance and market competitiveness of group insurance business, and provide strong support for the digital transformation of the insurance industry. BRIEF DESCRIPTION OF THE DRAWINGS

[0043] In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings required for use in the embodiments or the description of the prior art will be briefly introduced below. Obviously, the drawings described below are only some embodiments of the present application. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying creative work.

[0044] Figure 1 A schematic diagram of the architecture of a group insurance management system provided in an embodiment of the present application;

[0045] Figure 2 A schematic diagram of the architecture of another group insurance management system provided in an embodiment of the present application;

[0046] Figure 3 A flowchart of an insurance method provided in an embodiment of the present application;

[0047] Figure 4 A schematic diagram of a short link sharing process provided in an embodiment of the present application. DETAILED DESCRIPTION

[0048] The following will be combined with the drawings in the embodiments of the present application to clearly and completely describe the technical solutions in the embodiments of the present application. Obviously, the described embodiments are only part of the embodiments of the present application, not all of the embodiments. Based on the embodiments in the present application, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of this application.

[0049] In this application, relational terms such as first and second, etc. are used only to distinguish one entity or operation from another entity or operation, and do not necessarily require or imply any such actual relationship or order between these entities or operations. The terms "include", "comprise" or any other variants thereof are intended to cover non-exclusive inclusion, so that a process, method, article or device including a series of elements includes not only those elements, but also other elements not explicitly listed, or also includes elements inherent to such process, method, article or device. In the absence of more restrictions, the elements defined by the sentence "comprise one..." do not exclude the existence of other identical elements in the process, method, article or device including the elements.

[0050] like Figure 1 As shown, it is a schematic diagram of the architecture of a group insurance management system provided in an embodiment of the present application, including the following modules.

[0051] Front-end service 100, middle platform 200 and back-end 300.

[0052] The service objects of the front-end service 100 include agents, corporate clients and operation managers, and the front-end service 100 is used to provide a human-computer interaction interface for the user terminal. The types of user terminals include the first user terminal of the agent and the second user terminal of the corporate client.

[0053] In some examples, the types of human-computer interaction interfaces include but are not limited to H5 web interfaces and PC client interfaces, which are compatible with PC and mobile terminals, ensuring a good user experience on different devices. The interface design is concise and easy to operate, making it convenient for service recipients to quickly complete the insurance process.

[0054] In some examples, the human-computer interaction interface also supports agents to generate personalized quotes based on customer needs and display them to customers in real time, enhancing customers' willingness to buy.

[0055] In a possible implementation, the types of human-computer interaction interfaces include product details page, quotation page, insurance application page, underwriting feedback page, payment page, policy details page, change application page, confirmation page, and change details page.

[0056] The middle platform 200 includes an insurance service module 201, an underwriting service module 202, a preservation service module 203, an offline policy service module 204, a policy service module 205, a data storage module 206, and a docking system module 207.

[0057] The insurance service module 201 is used to: generate a quotation based on the online quotation data sent by the first user terminal; generate a first short link for sharing with the second user terminal based on the quotation; when the second user terminal views the first short link, redirect the second user terminal to the resource address of the quotation so that the second user terminal obtains the quotation; generate an insurance application based on the online insurance data sent by the first user terminal or the second user terminal; the online insurance data at least includes insurance information and insurance product information; when the underwriting result of the insurance information is passed, determine the corresponding payment slip based on the online insurance data; based on the payment slip, generate a second short link for sharing with the second user terminal; when the second user terminal views the second short link, redirect the second user terminal to the resource address of the payment slip so that the second user terminal obtains the payment slip; based on the payment request sent by the second user terminal, complete the payment process of the insurance application to obtain the corresponding insurance policy information.

[0058] The underwriting service module 202 is used to call a third-party service interface and send the insurance information to the backend 300 to obtain the underwriting result fed back by the backend 300 .

[0059] The security service module 203 is used to call the security service interface to provide security changes for the policy information if a policy change request sent by the second user terminal is received within the specified validity period.

[0060] The offline insurance policy service module 204 is used to obtain offline insurance data sent by the first user terminal; the offline insurance data at least includes offline insurance product information and offline insurance policy information; the offline insurance data is entered to complete offline business retention.

[0061] The policy service module 205 is used to record the revoked policy information in a cancellation list if the policy information is revoked; if the policy information is not revoked, store the policy information in a database to provide management services for the policy information.

[0062] The data storage module 206 is used to encrypt and save the online insurance data and the corresponding policy information to complete business retention.

[0063] The docking system module 207 is used to exchange online insurance data with insurance data in an external system to achieve business collaboration.

[0064] In the embodiment of the present application, the insurance service module 201 is tailored for diversified channel partners, integrating advanced H5 interactive interface and PC interactive interface, and comprehensively covering the complete transaction chain from quotation generation, insurance submission, underwriting approval, quick payment to policy issuance. The insurance service module 201 greatly enhances the service capabilities of agents, allowing agents to conveniently share personalized quotations, enter customer information on behalf of agents, and directly push payment links to customers, realizing the full-cycle and uninterrupted management service of customer policies from inception to termination on the online platform.

[0065] The underwriting service module 202 is used to process underwriting-related business logic.

[0066] The preservation service module 203 is used to process business operations related to insurance policy preservation.

[0067] The offline insurance policy service module 204 is used to manage and track the processing flow of offline insurance policies, and is used for group insurance non-standard products and offline product policy data management and the internal upstream and downstream system processing flow of offline insurance policy data.

[0068] The insurance policy service module 205 is used to provide insurance policy related services, among which insurance policy management includes the generation, query, modification and cancellation of insurance policy information, electronic insurance policy, etc.

[0069] The data storage module 206 is used to store basic information, transaction request data and transaction result data. Among them, the insurance service module 201, the underwriting service module 202, the preservation service module 203, the offline policy service module 204, the policy service module 205, and the docking system module 207 all access data through the data storage module 206, and the group insurance management system implements encryption, decryption and validity verification of messages or information to ensure the security of the group insurance management system.

[0070] The docking system module 207 is used to perform data exchange and interface connection with a third-party system.

[0071] In some examples, the insurance service module 201 can provide one-stop transaction services such as quotation, underwriting, payment, and issuance through an H5 interface or a PC interface. Through a unified operating interface and process, it can enhance the reusability of the business front desk, improve user experience and operation and maintenance efficiency; empower agents to easily share customized quotations, enter information on behalf of customers, and share payment links directly with customers, thereby seamlessly completing the full life cycle management service of customer insurance policies online.

[0072] In some examples, the business logic layer of the insurance service module 201 can be divided into a trial quotation submodule, an insurance rule verification submodule, a payment submodule, and an insurance order submodule.

[0073] In a possible implementation, the trial quotation submodule may be used to automatically calculate and generate a quotation sheet based on the online quotation data sent by the first user terminal, and support comparison and selection of multiple quotation schemes.

[0074] In a possible implementation, the insurance rule verification submodule may be used to perform strict rule verification on the insurance information to ensure compliance with the insurance requirements and policy regulations of the insurance company.

[0075] In a possible implementation, the payment submodule integrates multiple payment methods, such as bank card payment, third-party payment, public transfer, etc., supports quick payment function, and ensures the security and convenience of transactions.

[0076] In a possible implementation, the insurance policy issuance submodule can be used to automatically generate insurance policy information and push it to the customer after the underwriting approval is passed, while providing an electronic insurance policy download function.

[0077] In some examples, the insurance service module 201 is also provided with a data access layer, which includes an insurance form data interface and a third-party service interface. The insurance form data interface is an interface for interacting with the backend database, supporting operations such as inputting, querying, and modifying insurance information. The third service interface is used to connect with third-party systems such as payment platforms and identity authentication services to realize functions such as payment and identity authentication.

[0078] In some examples, the underwriting service module 202 can be used to optimize the underwriting docking process, reduce manual intervention, improve underwriting efficiency and accuracy, reduce operating costs through intelligent docking of the underwriting process, and improve business quality and customer satisfaction.

[0079] In a possible implementation, the underwriting service module 202 is connected to the third-party system through a third-party service interface to achieve real-time transmission and processing of underwriting information, and the underwriting service module 202 provides an underwriting approval service, which is used to manually or automatically approve the insurance information to ensure the authenticity and accuracy of the insurance information. After obtaining the underwriting results fed back by the third-party system, the underwriting service module 202 will also feed back the underwriting results to the insurance service module 201 for the user to view and process.

[0080] In some examples, the preservation service module 203 provides a policy change preservation service, which is implemented based on the corresponding preservation service interface. The policy change preservation service includes but is not limited to operation rule configuration, policy personnel changes, information changes, policy cancellation, etc. Generally speaking, within the validity period of the policy, the preservation service interface can be used to implement policy information changes, change review, change query, cancellation and other preservation services to ensure that the customer's rights and interests are protected.

[0081] In some examples, the offline insurance policy service module 204 supports the electronic management and processing of offline insurance policy business, and improves the internal processing efficiency of offline insurance policy business, such as supporting offline order product creation, entry, change, cancellation, cancellation, review, detail viewing, batch entry, export and other functions to improve the management efficiency and accuracy of offline insurance policies.

[0082] In a possible implementation, the product information can be input when creating an online order product. The product information includes key information such as the product name, coverage, premium amount, insurance period, etc., and the product information is stored in a database.

[0083] In a possible implementation, offline policy entry can input policy information, which includes basic customer information, policy product, premium amount, purchase date, etc., and can generate a policy number and store it in a database. At the same time, it can also support sales staff to batch enter policy information through files such as database tables.

[0084] In a possible implementation, an online insurance order can select the policy information that needs to be changed, apply for changes or cancellations, generate a confirmation form, and update the policy information in the database.

[0085] In a possible implementation method, the system provides an offline order cancellation function for policy information that needs to be canceled for various reasons, and retains the cancellation record to ensure the accuracy and completeness of the policy information.

[0086] In a possible implementation method, the offline order review reviews the entered policy information, and after manual review, updates the policy status (such as approved, rejected, etc.) based on the review results to achieve process management of offline policy business.

[0087] In a possible implementation, the offline order query may provide a system query and display offline policy details, while providing an export function, allowing the user to select the policy information to be exported and generate a form file.

[0088] In some examples, the policy service module 205 uses a database to store policy information and provides comprehensive policy information management functions to ensure the accuracy and completeness of policy information. Specifically, the policy information management function includes a cancellation list and order management services. The cancellation list is used to record and manage all canceled orders, which is convenient for agents and customers to query and track. The order management service is used to provide functions such as order query, tracking, modification and cancellation, and supports agents and customers to manage orders throughout the entire cycle.

[0089] In some examples, the data storage module 206 is responsible for storing key information such as basic information, transaction request data, and result data, and uses distributed storage and encryption technology to save data to ensure data security and reliability. Specifically, sensitive data is encrypted and stored to ensure data security, and data is backed up regularly to ensure data reliability and recoverability.

[0090] In a possible implementation, the database includes a non-relational database, and the transaction request data and transaction result data of each transaction in the quotation payment process can be stored in the non-relational database in the form of a transaction log.

[0091] In some examples, the docking system module 207 realizes seamless docking with external systems, and at the same time, through data isolation, uniformly manages the group insurance management system, simplifies cross-regional and cross-license business management processes, and promotes business collaboration and expansion. Specifically, data can be exchanged with external systems through preset interfaces, and multi-tenant technology can be used to achieve isolation of business data in different regions and different licenses.

[0092] In some examples, the architecture of the middle station 200 includes a microservice architecture, which can be used to achieve coupling between various modules to improve the flexibility and scalability of the system. In a possible implementation, the architecture diagram of the middle station 200 based on the microservice architecture can be found in Figure 2 shown.

[0093] In a possible implementation, the middle platform 200 based on the microservice architecture can also be combined with the cloud architecture to use cloud computing resources to achieve rapid deployment, elastic expansion and efficient operation and maintenance of the system to adapt to the trend of digital development in the insurance industry.

[0094] In some examples, the middle platform 200 can also be integrated with the insurance product management system. Through flexible insurance product configuration, it can significantly shorten the listing cycle of the group insurance management system and improve market competitiveness. Specifically, after the integration of the middle platform 200 and the insurance product management system, it can provide group insurance product configuration, allowing the user end to configure insurance products according to needs, and synchronize the configuration information to the core business system in real time, so as to realize the rapid launch of insurance products.

[0095] Based on the modules shown above, the group insurance management system can achieve the following beneficial effects: (1) Shorten the system launch cycle: Through flexible insurance product configuration, quickly respond to market demand and significantly improve the speed of insurance product launch; (2) Improve underwriting efficiency and accuracy: Optimize the underwriting process, reduce manual intervention, reduce operating costs, and improve customer satisfaction; (3) Enhance the reusability of the front-end business: Unify the operation interface and process, improve user experience and operation and maintenance efficiency; (4) Strengthen compliance management: Comprehensively strengthen compliance monitoring and management, and reduce legal and financial risks caused by compliance issues; (5) Simplify multi-license and multi-territorial business management: Provide a unified management platform, data isolation, simplify cross-regional and cross-license business management processes, and promote business collaboration and expansion; (6) Improve peak processing capabilities: Optimize system architecture and resource scheduling to ensure efficient and stable operation even during business peaks; (7) Enhance agent service capabilities: Conveniently share personalized quotations, enter customer information on behalf of customers, and directly push payment links to customers, so as to achieve full-cycle and uninterrupted management services for customer policies from inception to termination on the online platform.

[0096] like Figure 3 As shown, it is a flow chart of an insurance method provided in an embodiment of the present application, which is applied to the group insurance management system shown in an embodiment of the present application, and includes the steps shown below.

[0097] S301: Generate a quotation based on the online quotation data sent by the first user terminal.

[0098] Among them, the user of the first user terminal is usually an agent. The agent can access the front-end service through the first user terminal to obtain various quotation plans provided by the front-end service. The agent can select one of the quotation plans or customize the quotation plan to complete the input of online quotation data.

[0099] S302: Based on the quotation, generate a first short link for sharing with a second user terminal.

[0100] The user of the second user terminal is usually a customer. In some examples, a preset short link service can be used to generate a first short link corresponding to the quotation, and the first short link is mapped and stored with the resource address of the quotation.

[0101] In a possible implementation manner, a hash algorithm or a database self-increment ID or other methods may be used to generate the first short link corresponding to the quotation, thereby ensuring the uniqueness and simplicity of the first short link.

[0102] It should be noted that after the first short link is generated, the quotation and the first short link will be sent to the first user end, so that the first user end can share the first short link with the second user end.

[0103] S303: When the second user terminal views the first short link, the second user terminal is redirected to the resource address of the quotation, so that the second user terminal obtains the quotation.

[0104] Among them, when the second user terminal views the first short link, the second user terminal will send a corresponding access request to the preset server. The preset server pre-configures the redirection rules and performs intelligent judgment and redirection according to the client environment of the access request to redirect the second user terminal to the resource address of the quotation, so that the second user terminal can obtain the quotation.

[0105] It should be noted that for the sharing of short links (including the first short link and the second short link), the group insurance management system includes a corresponding set of logical architectures. Specifically, the logical architecture includes the front-end display layer, the short link generation and storage layer, the redirection layer, the back-end business logic layer, and the database layer. The logical architecture can realize the intelligent adaptation and redirection of short links, meet the needs of the business side, and improve the user experience and system stability.

[0106] In a possible implementation, the front-end display layer is divided into an agent side and a client side. The agent side provides an interface for agents to obtain sharing links (i.e., short links), and the client side can support viewing the shared short links through a browser.

[0107] In a possible implementation, the short link generation and storage layer may provide a short link service, which is responsible for generating short links (including a first short link and a second short link), and mapping and storing the first short link and the resource address of the quotation, and the second short link and the resource address of the payment slip.

[0108] In a possible implementation, the redirection layer is used to communicate with a preset server, and the preset server is used to implement redirection.

[0109] In a possible implementation, the backend business logic layer provides a business logic service, which is used to process short link generation requests, storage logic, and interaction with redirection services.

[0110] In a possible implementation manner, the database layer is used to store a mapping relationship between the first short link and the resource address of the quotation, and a mapping relationship between the second short link and the resource address of the payment order.

[0111] S304: Generate an insurance application form based on the online insurance data sent by the first user terminal or the second user terminal.

[0112] Among them, online insurance data at least includes insurance information and insurance product information.

[0113] It is understandable that after the first user terminal or the second user terminal obtains the quotation, the customer (group insurance customer) determines that the quotation meets his or her own needs and agrees to take out insurance. Then, the online insurance data can be input through the first user terminal or the second user terminal to generate the corresponding insurance application form.

[0114] S305: Call the third-party service interface and send the insurance information to the third-party system to obtain the underwriting result fed back by the third-party system.

[0115] Among them, the third-party system is used to perform rule verification on the insurance information to obtain the underwriting results.

[0116] S306: When the underwriting result is passed, the corresponding payment order is determined based on the online insurance data.

[0117] Among them, if the underwriting result is failure, a corresponding underwriting failure prompt must be sent to the first user terminal or the second user terminal.

[0118] S307: Based on the payment slip, generate a second short link for sharing with the second user terminal.

[0119] The implementation principle of generating the second short link corresponding to the payment order can be found in the explanation of S302, which will not be repeated here.

[0120] S308: When the second user terminal views the second short link, the second user terminal is redirected to the resource address of the payment slip, so that the second user terminal obtains the payment slip.

[0121] Among them, when the second user terminal views the second short link, the second user terminal will send a corresponding access request to the preset server. The preset server pre-configures the redirection rules and performs intelligent judgment and redirection according to the client environment of the access request to redirect the second user terminal to the resource address of the payment slip, so that the second user terminal can obtain the payment slip.

[0122] S309: Based on the payment request sent by the second user terminal, the payment process of the insurance policy is completed to obtain corresponding insurance policy information.

[0123] When the second user terminal obtains the payment slip, the customer can complete the transaction process corresponding to the payment slip through the online payment method to trigger the payment request sent by the second user terminal.

[0124] Optionally, if a policy change request is received from a second user terminal within a specified validity period, the preservation service interface is called to provide preservation changes for the policy information.

[0125] Optionally, when the group insurance management system obtains offline insurance data sent by the first user terminal; the offline insurance data at least includes offline insurance product information and offline policy information; the offline insurance data is entered to complete offline business retention.

[0126] Optionally, the online insurance data and the corresponding policy information may be encrypted and saved to complete business retention, and the online insurance data may be exchanged with the insurance data of the external system to complete business collaboration.

[0127] Optionally, if the policy information is revoked, the revoked policy information is recorded in a cancellation list; if the policy information is not revoked, the policy information is stored in a database to provide management services for the policy information.

[0128] In some examples, the process of an agent helping a customer to purchase insurance on a group insurance management system is usually as follows: (1) the agent selects the insurance product to be inquired from the specified product list; (2) the agent views the details of the insurance product; (3) the agent clicks on the quote; (4) the agent fills in the quote information; (5) the agent clicks on the generate quote; (6) the agent shares the quote; (7) the agent or customer verifies that the quote is correct and chooses to purchase insurance immediately; (8) the agent fills in the insurance information and submits the order; (9) the agent shares the quote; (10) the customer confirms the insurance purchase; (11) after the underwriting is passed, the agent can share the quote with the customer or the customer can select the quote; (12) after successful payment, the policy (i.e., policy information) is issued; (13) the agent or customer views the policy information; (14) the agent or customer performs preservation services on the policy information.

[0129] In a possible implementation, in order to meet the push requirements of message notifications in group insurance business and ensure that the shared link can be correctly adapted in different client environments, a set of short link redirection logic can be designed. This logic implements intelligent adaptation and redirection of the link through the steps of the agent obtaining the shared link, sharing it with the customer, the user viewing the link, and redirecting to determine the client environment. The process of implementing insurance by sharing a short link can be summarized as follows: (1) The agent logs in to the WeChat account of the enterprise; (2) The agent selects the group insurance product; (3) The agent records the order information and clicks on the quotation; (4) The agent enters (5) After the underwriting is passed, a quotation is generated; (6) The agent shares the quotation with the customer; (7) The customer clicks on the link to view the quotation; (8) After the customer's identity is verified, the quotation is verified; (9) Is the quotation correct? (10) If the quotation is incorrect, the agent will re-quote; (11) If the quotation is correct, the customer will immediately purchase insurance, or the agent will purchase insurance on the customer's behalf; (12) The customer enters the insurance information and submits the insurance application; (13) The customer confirms the insurance application; (14) Underwriting; (15) Payment confirmation; (16) Payment at the checkout counter; (17) Recording and issuing the insurance policy; (18) Changes to the insurance policy.

[0130] In a possible implementation, see Figure 4 As shown in the figure, the process of sharing and using short links can be summarized as follows: (1) the agent obtains the sharing link; (2) the agent shares the link with the customer; (3) the customer views the link; (4) the server determines the client environment to achieve redirection of the short link.

[0131] The process shown in S301-S309 above, based on the insurance method implemented by the group insurance management system, can comprehensively improve the operational efficiency, compliance and market competitiveness of group insurance business, and provide strong support for the digital transformation of the insurance industry.

[0132] Although several specific implementation details are included in the above discussion, these should not be interpreted as limiting the scope of the present application. Certain features described in the context of a separate embodiment can also be implemented in a single embodiment in combination. On the contrary, the various features described in the context of a single embodiment can also be implemented in multiple embodiments individually or in any suitable sub-combination.

[0133] The above description is only a preferred embodiment of the present application and an explanation of the technical principles used. Those skilled in the art should understand that the scope of disclosure involved in the present application is not limited to the technical solution formed by a specific combination of the above technical features, but should also cover other technical solutions formed by any combination of the above technical features or their equivalent features without departing from the above disclosed concept. For example, the above features are replaced with the technical features with similar functions disclosed in this application (but not limited to) by each other to form a technical solution.

Claims

1. A method for insurance, characterized in that: include: Generate a quotation based on the online quotation data sent by the first user terminal; Based on the quotation, generating a first short link for sharing with a second user terminal; When the second user terminal views the first short link, redirecting the second user terminal to the resource address of the quotation, so that the second user terminal obtains the quotation; Generate an insurance application based on the online insurance application data sent by the first user terminal or the second user terminal; The online insurance data at least includes insurance information and insurance product information; Calling a third-party service interface to send the insurance information to a third-party system to obtain the underwriting result fed back by the third-party system; the third-party system is used to perform rule verification on the insurance information to obtain the underwriting result; If the underwriting result is passed, determining a corresponding payment order based on the online insurance data; Based on the payment slip, generating a second short link for sharing with the second user terminal; When the second user terminal views the second short link, redirecting the second user terminal to the resource address of the payment slip, so that the second user terminal obtains the payment slip; Based on the payment request sent by the second user terminal, the payment process of the insurance application is completed to obtain corresponding insurance policy information.

2. The method according to claim 1, characterized in that The method further comprises: If a policy change request is received from the second user terminal within the specified validity period, the preservation service interface is called to provide preservation changes for the policy information.

3. The method according to claim 1, characterized in that The method further comprises: Obtaining offline insurance data sent by the first user terminal; the offline insurance data at least includes offline insurance product information and offline insurance policy information; The offline insurance data is entered to complete offline business retention.

4. The method according to claim 1, characterized in that: The method further comprises: Encrypt and save the online insurance data and corresponding policy information to complete business retention; The online insurance data is exchanged with the insurance data of the external system to achieve business collaboration.

5. The method according to claim 1, characterized in that The method further comprises: If the policy information is revoked, the revoked policy information is recorded in the policy revocation list; If the policy information has not been revoked, the policy information is stored in a database to provide management services for the policy information.

6. A group insurance management system, characterized in that: include: Front-end services, middle-end and back-end; The service objects of the front-end service include agents and corporate clients, and the front-end service is used to provide a human-computer interaction interface for the user terminal; the types of the user terminals include the first user terminal of the agent and the second user terminal of the corporate client; The middle platform at least includes an insurance service module and an underwriting service module; The insurance service module is used to: generate a quotation based on the online quotation data sent by the first user terminal; generate a first short link for sharing with the second user terminal based on the quotation; redirect the second user terminal to the resource address of the quotation when the second user terminal views the first short link, so that the second user terminal obtains the quotation; generate an insurance application based on the online insurance data sent by the first user terminal or the second user terminal; The online insurance data at least includes insurance information and insurance product information; when the underwriting result of the insurance information is passed, the corresponding payment slip is determined based on the online insurance data; based on the payment slip, a second short link is generated for sharing with the second user terminal; when the second user terminal views the second short link, the second user terminal is redirected to the resource address of the payment slip so that the second user terminal obtains the payment slip; based on the payment request sent by the second user terminal, the payment process of the insurance slip is completed to obtain the corresponding insurance policy information; The underwriting service module is used to call the third-party service interface and send the insurance information to the backend to obtain the underwriting result fed back by the backend; The background includes a third-party system, and the third-party system is used to perform rule verification on the insurance information to obtain the underwriting result.

7. The system according to claim 6, characterized in that The middle platform also includes a security service module; The security service module is used to call the security service interface and provide security changes for the policy information if a policy change request sent by the second user terminal is received within a specified validity period.

8. The system according to claim 6, characterized in that The middle platform also includes an offline insurance policy service module; The offline insurance policy service module is used to obtain the offline insurance data sent by the first user terminal; The offline insurance data at least includes offline insurance product information and offline insurance policy information; The offline insurance data is entered to complete offline business retention.

9. The system according to claim 6, characterized in that The middle platform also includes a data storage module and a docking system module; The data storage module is used to encrypt and save the online insurance data and the corresponding policy information to complete business retention; The docking system module is used to exchange the online insurance data with the insurance data of the external system to achieve business collaboration.

10. The system according to claim 6, characterized in that The middle platform also includes a policy service module; The policy service module is used to record the revoked policy information in a cancellation list if the policy information is revoked; if the policy information is not revoked, store the policy information in a database to provide management services for the policy information.

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