Automatic insurance cancellation method and device based on air ticket information, and electronic equipment

Abstract

The invention discloses an automatic insurance cancellation method and device based on aviation passenger ticket information and electronic equipment, and relates to the technical field of aviation insurance, and the method comprises the steps: retrieving an insurance order record related to a user from an insurance order database, obtaining aviation ticket state information corresponding to the insurance order record through an interface of the aviation reservation system; according to a preset insurance cancellation rule base, judging whether the aviation passenger ticket state information meets an insurance cancellation condition or not; generating an insurance cancellation request containing flight information, insurance order information and an insurance cancellation reason under the condition that the judgment result indicates that the aviation passenger ticket state information meets the insurance cancellation condition; sending the generated insurance cancellation request to an API (Application Program Interface) specified by an insurance company; and analyzing the insurance cancellation processing result returned by the insurance company, and updating the insurance order state of the associated user. According to the invention, the technical problems that the aviation accident insurance cancellation process is relatively tedious, the processing efficiency is low, and the customer satisfaction is easily reduced in the related technology are solved.

Description

Technical Field

[0001] The present invention relates to the field of aviation insurance technology or other related fields, and in particular to an automatic insurance cancellation method and device, and electronic equipment based on airline ticket information. Background Art

[0002] With the globalization of the economy and the development of the tourism industry, air travel has become an integral part of people's daily lives. Furthermore, aviation accident insurance, as a key travel insurance product, is increasingly becoming accepted by travelers. Aviation accident insurance is typically purchased with tickets, providing protection against potential risks encountered during flight. However, in practice, flight delays, cancellations, and rescheduling can lead to some purchased insurance policies becoming unavailable or unnecessary, necessitating a cancellation.

[0003] The cancellation process for aviation accident insurance is often cumbersome. Passengers who experience flight cancellations or delays must proactively contact the insurance company or agent and provide relevant documentation proving the ticket change before completing the cancellation. This process is not only time-consuming but can also be challenging for passengers unfamiliar with the process. Furthermore, manually processing numerous cancellation requests is a significant burden for insurance companies and agents, especially during peak travel season. Inefficient processing can lead to decreased customer satisfaction.

[0004] To address the above-mentioned problems, no effective solutions have been proposed so far. Summary of the Invention

[0005] The embodiments of the present invention provide an automatic cancellation method and device, and electronic equipment based on airline ticket information, so as to at least solve the technical problems in the related art that the cancellation process of aviation accident insurance is relatively cumbersome, the processing efficiency is low, and it is easy to lead to a decline in customer satisfaction.

[0006] According to one aspect of an embodiment of the present invention, there is provided an automatic cancellation method based on airline ticket information, comprising: retrieving an insurance order record related to a target user from an insurance order database, and obtaining airline ticket status information corresponding to the insurance order record through an interface of an airline reservation system; judging whether the airline ticket status information satisfies cancellation conditions according to a preset cancellation rule library; generating a cancellation request including flight information, insurance order information and a cancellation reason when the judgment result indicates that the airline ticket status information satisfies the cancellation conditions; sending the generated cancellation request to an API interface designated by an insurance company; parsing the cancellation processing result returned by the insurance company, and updating the insurance order status associated with the target user.

[0007] Optionally, the step of retrieving insurance order records related to the target user from the insurance order database includes: retrieving qualified insurance order information based on the insurance category purchased by the target user and the scheduled flight information, wherein the insurance order information includes: insurance category, flight date, and flight number; accessing the insurance order database stored locally or in the cloud, matching the insurance order information in the insurance order database, and screening out qualified insurance order records.

[0008] Optionally, the step of obtaining the airline ticket status information corresponding to the insurance order record through the interface of the airline reservation system includes: sending a ticket query request to the preset API interface of the airline reservation system, wherein the ticket query request includes at least: flight number and flight date; parsing the flight status information set returned from the preset API interface of the airline reservation system, and extracting multiple key fields in the flight status information set, wherein the multiple key fields include: flight number, departure time, arrival time and ticket status; integrating the extracted multiple key fields into a unified format to obtain the airline ticket status information.

[0009] Optionally, the step of determining whether the airline ticket status information satisfies the cancellation conditions according to a preset cancellation rule library includes: inputting the airline ticket status information and insurance clause information into an insurance cancellation rule library, and having the insurance cancellation rule library perform a cancellation condition determination to obtain a determination result as to whether the airline ticket status information satisfies the cancellation conditions, wherein the insurance cancellation rule library is pre-constructed, and the cancellation conditions in the insurance cancellation rule library include at least one of the following: flight delays exceeding a specified duration and flight cancellations can be subject to cancellation processing.

[0010] Optionally, when the judgment result indicates that the airline ticket status information meets the cancellation conditions, the step of generating a cancellation request including flight information, insurance order information and cancellation reason includes: when the judgment result indicates that the airline ticket status information meets the cancellation conditions, calling a cancellation request generation template, wherein the fields in the cancellation request generation template include at least one of the following: a unique ticket identifier, an insurance contract number, a cancellation reason code and data verification logic; filling the flight information, insurance order information and cancellation reason into corresponding fields in the cancellation request generation template respectively, and outputting the cancellation request through the cancellation request generation template.

[0011] Optionally, the automatic cancellation method based on airline ticket information also includes: subscribing to flight status update messages provided by the airline, and identifying flight cancellation events, delay events or rebooking events based on the flight status update messages; when the identification result indicates that a flight cancellation event, delay event or rebooking event has occurred, initiating the cancellation process.

[0012] Optionally, the step of parsing the cancellation processing result returned by the insurance company and updating the insurance order status associated with the target user includes: parsing the cancellation processing result returned by the insurance company, and when the parsing result indicates that the cancellation processing result is that the cancellation has been processed, updating the insurance order status associated with the target user to canceled, and recording the cancellation time; calculating the refund amount associated with the airline ticket according to preset refund rules, and initiating a refund operation to the target user's account; sending a cancellation success notification and a refund status notification to the user terminal held by the target user.

[0013] According to another aspect of an embodiment of the present invention, an automatic cancellation device based on airline ticket information is also provided, including: an insurance order retrieval unit, used to retrieve insurance order records related to a target user from an insurance order database, and obtain airline ticket status information corresponding to the insurance order record through an interface of an airline reservation system; a cancellation condition judgment unit, used to judge whether the airline ticket status information meets the cancellation conditions based on a preset cancellation rule library; a cancellation request generation unit, used to generate a cancellation request including flight information, insurance order information and cancellation reasons when the judgment result indicates that the airline ticket status information meets the cancellation conditions; a cancellation request sending unit, used to send the generated cancellation request to an API interface designated by the insurance company; an insurance order status updating unit, used to parse the cancellation processing result returned by the insurance company, and update the insurance order status associated with the target user.

[0014] Optionally, the insurance order retrieval unit includes: an insurance order information retrieval module, used to retrieve qualified insurance order information based on the insurance category purchased by the target user and the scheduled flight information, wherein the insurance order information includes: insurance category, flight date, and flight number; an order database access module, used to access the insurance order database stored locally or in the cloud, match the insurance order information in the insurance order database, and filter out qualified insurance order records.

[0015] Optionally, the insurance order retrieval unit includes: a ticket query request sending module, used to send a ticket query request to the preset API interface of the airline reservation system, wherein the ticket query request includes at least: flight number, flight date; a flight status information parsing module, used to parse the flight status information set returned from the preset API interface of the airline reservation system, and extract multiple key fields in the flight status information set, wherein the multiple key fields include: flight number, departure time, arrival time and ticket status; a field integration module, used to integrate the extracted multiple key fields into a unified format to obtain the airline ticket status information.

[0016] Optionally, the cancellation condition judgment unit includes: an information input module, used to input the airline ticket status information and insurance clause information into an insurance cancellation rule library, and the insurance cancellation rule library performs a cancellation condition judgment to obtain a judgment result on whether the airline ticket status information meets the cancellation condition, wherein the insurance cancellation rule library is pre-constructed, and the cancellation conditions in the insurance cancellation rule library include at least one of the following: flight delays exceeding a specified time and flight cancellations can be processed for cancellation.

[0017] Optionally, the cancellation request generation unit includes: a cancellation request generation template calling module, configured to call a cancellation request generation template when a judgment result indicates that the airline ticket status information meets the cancellation condition, wherein the fields in the cancellation request generation template include at least one of the following: a ticket unique identifier, an insurance contract number, a cancellation reason code, and data verification logic; and a field filling module, configured to fill in corresponding fields in the cancellation request generation template with flight information, insurance order information, and cancellation reason, respectively, and output the cancellation request through the cancellation request generation template.

[0018] Optionally, the automatic cancellation device based on airline ticket information also includes: a flight update subscription unit, used to subscribe to flight status update messages provided by the airline, and identify flight cancellation events, delay events or rebooking events based on the flight status update messages; a cancellation process startup module, used to start the cancellation process when the identification result indicates that a flight cancellation event, delay event or rebooking event has occurred.

[0019] Optionally, the insurance order status update unit includes: a cancellation processing result parsing module, which is used to parse the cancellation processing result returned by the insurance company. When the parsing result indicates that the cancellation processing result is that the cancellation has been processed, the insurance order status associated with the target user is updated to canceled, and the cancellation time is recorded; a refund amount calculation module, which is used to calculate the refund amount associated with the airline ticket according to preset refund rules, and initiate a refund operation to the target user's account; and a cancellation notification sending module, which is used to send a cancellation success notification and a refund status notification to the user terminal held by the target user.

[0020] According to another aspect of an embodiment of the present invention, a computer-readable storage medium is further provided, wherein the computer-readable storage medium includes a stored computer program, wherein when the computer program is running, the device where the computer-readable storage medium is located is controlled to execute any one of the above-mentioned automatic cancellation methods based on airline ticket information.

[0021] According to another aspect of an embodiment of the present invention, an electronic device is also provided, comprising one or more processors and a memory, wherein the memory is used to store one or more programs, wherein when the one or more programs are executed by the one or more processors, the one or more processors implement any one of the above-mentioned automatic cancellation methods based on airline ticket information.

[0022] According to another aspect of an embodiment of the present invention, a computer program product is provided, comprising a computer program, which, when executed by a processor, implements the steps of any one of the above-mentioned methods for automatic insurance cancellation based on airline ticket information.

[0023] In the present disclosure, insurance order records related to the target user are retrieved from the insurance order database, and the airline ticket status information corresponding to the insurance order record is obtained through the interface of the airline booking system. According to the preset cancellation rule library, it is judged whether the airline ticket status information meets the cancellation conditions. If the judgment result indicates that the airline ticket status information meets the cancellation conditions, a cancellation request including flight information, insurance order information and cancellation reason is generated, and the generated cancellation request is sent to the API interface designated by the insurance company. The cancellation processing result returned by the insurance company is parsed, and the insurance order status of the associated target user is updated.

[0024] Based on the above-mentioned public content, the cancellation process for abnormal flights can be automatically completed through processes such as insurance order matching, airline ticket status information acquisition, cancellation condition judgment, cancellation request generation and sending, cancellation request processing and notification, etc., thereby improving cancellation efficiency, simplifying the cancellation process, reducing human intervention, and improving user satisfaction, thereby solving the technical problems in related technologies such as the cumbersome cancellation process of aviation accident insurance, low processing efficiency, and easy decline in customer satisfaction. BRIEF DESCRIPTION OF THE DRAWINGS

[0025] The drawings described herein are used to provide a further understanding of the present invention and constitute a part of this application. The exemplary embodiments of the present invention and their descriptions are used to explain the present invention and do not constitute an improper limitation of the present invention. In the drawings:

[0026] Figure 1 This is a flow chart of an optional automatic insurance cancellation method based on airline ticket information according to an embodiment of the present invention;

[0027] Figure 2 2. It is a schematic diagram of an automatic insurance cancellation system based on airline ticket information according to an embodiment of the present invention;

[0028] Figure 3 is an implementation flow chart of an optional surrender condition determination module according to an embodiment of the present invention;

[0029] Figure 4 is an implementation flow chart of an optional surrender request generation and sending module according to an embodiment of the present invention;

[0030] Figure 5 is a schematic diagram of an optional automatic insurance cancellation device based on airline ticket information according to an embodiment of the present invention;

[0031] Figure 6 The present invention is a hardware structure block diagram of an electronic device (or mobile device) that executes an automatic insurance cancellation method based on airline ticket information according to an embodiment of the present invention. DETAILED DESCRIPTION

[0032] In order to enable those skilled in the art to better understand the solutions of the present invention, the technical solutions in the embodiments of the present invention will be clearly and completely described below in conjunction with the drawings in the embodiments of the present invention. Obviously, the embodiments described are only part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without making creative efforts should fall within the scope of protection of the present invention.

[0033] It should be noted that the terms "first", "second", etc. in the description and claims of the present invention and the above-mentioned drawings are used to distinguish similar objects and are not necessarily used to describe a specific order or sequence. It should be understood that the numbers used in this way can be interchanged where appropriate, so that the embodiments of the present invention described herein can be implemented in an order other than those illustrated or described herein. In addition, the terms "including" and "having" and any variations thereof are intended to cover non-exclusive inclusions. For example, a process, method, system, product or device that includes a series of steps or units is not necessarily limited to those steps or units clearly listed, but may include other steps or units that are not clearly listed or inherent to these processes, methods, products or devices.

[0034] To facilitate those skilled in the art to understand the present invention, some of the terms or nouns involved in the embodiments of the present invention are explained below:

[0035] The Insurance Distribution Platform (IDP) is an air travel insurance distribution system serving ticket agents. Its main functions include insurance inquiries, reservations, cancellations, invoice issuance, sales statistics, and automatic cancellations. Its goal is to integrate and process data from upstream and downstream insurance users to improve insurance distribution efficiency.

[0036] The Global Distribution System, or GDS, is a large-scale computer information service system used in the tourism industry to help global travel sales agencies obtain travel-related information from airlines, hotels, car rental companies, insurance companies, etc., and provide reservations for travel products and services.

[0037] Air Ticket Agent (ATA) is an intermediary organization or individual that distributes air tickets and related insurance products. They provide services to customers through GDS, airline direct or other booking systems.

[0038] Internet Booking Engine (IBE) is an internet booking service provided by TravelSky. It allows external systems to access TravelSky's booking services through API interfaces to perform flight inquiries, reservations, and management.

[0039] Relational Database Management System (RDBMS) is a database used to store and manage structured data. It organizes data in a tabular format and supports the SQL query language. It is the technical foundation of the insurance information matching module.

[0040] Application Programming Interface (API) defines how software components communicate with each other, allowing different software applications to exchange data and services. It is a key technology for transmitting IBE and surrender requests.

[0041] Encrypted Storage technology, Encrypted Storage, referred to as ES, is a technology that protects data security. It encrypts sensitive information stored in the database through encryption algorithms to ensure that even if the data is accessed without authorization, its content cannot be directly read.

[0042] Automated Decision Support System (ADSS) is a system that integrates data analysis and decision-making rules. It can automatically analyze data and make decisions. It is used to automatically generate policy surrender requests, reduce human intervention, and improve decision-making efficiency.

[0043] The Standardized Refund Request Template (SRRT) is a predefined format used to generate consistently structured surrender requests, ensuring that insurers can quickly identify and process the information. It serves as the technical foundation for the surrender request generation and sending module.

[0044] The Automated Refund System (ARS) is a system that achieves efficient refunds through automated processing and intelligent decision-making, reducing manual operations in the refund process and improving refund efficiency and service quality.

[0045] It should be noted that the automatic policy cancellation method and device based on airline ticket information in the present disclosure can be used in the field of aviation insurance technology. When automatic policy cancellation is performed based on airline ticket information, it can also be used in any field other than the field of aviation insurance technology. When automatic policy cancellation is performed based on airline ticket information, the present disclosure does not limit the application field of the automatic policy cancellation method and device based on airline ticket information.

[0046] It should be noted that the information (including but not limited to user device information, user personal information, etc.) and data (including but not limited to data used for analysis, stored data, displayed data, etc.) collected by this disclosure are information and data authorized by the user or fully authorized by all parties, and the collection, storage, use, processing, transmission, provision, disclosure and application of relevant data comply with the relevant laws, regulations and standards of the relevant regions, take necessary confidentiality measures, do not violate public order and good morals, and provide corresponding operation portals for users to choose to authorize or refuse. For example, an interface is set up between this system and relevant users or institutions. Before obtaining relevant information, it is necessary to send an acquisition request to the aforementioned user or institution through the interface, and obtain relevant information after receiving the consent information fed back by the aforementioned user or institution.

[0047] It should be noted that in this disclosure, when collecting and analyzing customer information, the corresponding operation entrance is provided for users to choose to agree or reject the automated decision-making results; if the user chooses to reject, the expert decision-making process will be entered.

[0048] The following embodiments of the present invention can be applied to various systems / applications / devices for automatic cancellation of insurance based on airline ticket information. The present invention can be applied to the field of aviation insurance technology, and in particular, it has a wide range of application scenarios in the automatic cancellation services of airline passenger personal accident insurance, flight delay insurance, and flight cancellation insurance. Specifically, when the aviation insurance purchased by the passenger meets the situation where the insurance is no longer in demand due to flight cancellation, delay, or rescheduling, the embodiments of the present application can automatically identify these situations and automatically initiate the cancellation process according to preset rules, without the need for manual operation or provision of additional documents by the passenger.

[0049] By adopting the present invention, when the flight status changes and meets the cancellation conditions, the system automatically executes the cancellation process, significantly improving the speed and efficiency of the cancellation process. The automatic cancellation function reduces the inconvenience of passengers having to manually handle insurance matters when their flights change, improves the overall service experience, and enhances users' trust and satisfaction with aviation insurance products.

[0050] At the same time, the invention's automated processing reduces the need for manual intervention, reduces the consumption of customer service resources, and helps reduce operating costs for insurance companies and related parties. When processing insurance order information and flight status, encrypted storage and transmission technology is used to enhance the security and privacy of user data.

[0051] It should be noted that in recent years, with the rapid development of technologies such as big data, cloud computing, and artificial intelligence, various industries have begun to explore the use of these advanced technologies to improve business processes and service quality. In the insurance industry, through data exchange with airlines, airports, and other third-party data providers, real-time monitoring of ticket status can be achieved with the authorization of passengers. At the same time, with the help of intelligent information processing technology and automated decision support systems, it is possible to achieve immediate response to changes in ticket information, thereby providing customers with a more convenient service experience. Consumers are increasingly inclined to use efficient and convenient services, especially in today's highly developed mobile Internet, where users have higher expectations for the immediacy and convenience of services. Against this background, the present invention provides a method and system that can automatically identify changes in ticket status and automatically process aviation accident insurance cancellations based on this. This method and system can not only improve customer satisfaction, but also help insurance companies and insurance agencies reduce operating costs and improve work efficiency.

[0052] The present invention will be described in detail below with reference to various embodiments.

[0053] Example 1

[0054] According to an embodiment of the present invention, an embodiment of a method for automatic insurance cancellation based on airline ticket information is provided. It should be noted that the steps shown in the flowchart of the accompanying drawings can be executed in a computer system such as a set of computer-executable instructions, and although a logical order is shown in the flowchart, in some cases, the steps shown or described can be executed in an order different from that shown here.

[0055] With the development of the aviation industry and advancements in internet technology, passengers are increasingly demanding flight services, including insurance coverage for flight delays, cancellations, and rebookings. To address this, the present invention proposes an automated insurance cancellation method and system based on airline ticket information. Through processes including insurance information matching, flight information acquisition, cancellation condition determination, cancellation request generation and submission, and cancellation request processing and notification, the system aims to improve cancellation efficiency, simplify the cancellation process, reduce manual intervention, and enhance the user experience.

[0056] Figure 1 FIG. 1 is a flow chart of an optional automatic cancellation method based on airline ticket information according to an embodiment of the present invention. Figure 1 As shown, the method includes the following steps:

[0057] Step S101: retrieve the insurance order record related to the target user from the insurance order database, and obtain the airline ticket status information corresponding to the insurance order record through the interface of the airline reservation system.

[0058] Step S101 in this embodiment involves two key technical operations: one is to retrieve insurance order records related to the target user from the insurance order database; the other is to obtain the airline ticket status information corresponding to these insurance order records through the API interface of the airline reservation system.

[0059] Optionally, the step of retrieving insurance order records related to the target user from the insurance order database includes: retrieving qualified insurance order information based on the insurance category purchased by the target user and the scheduled flight information, wherein the insurance order information includes: insurance category, flight date, and flight number; accessing the insurance order database stored locally or in the cloud, matching in the insurance order database according to the insurance order information, and screening out qualified insurance order records.

[0060] When a target user purchases insurance, they provide detailed information about the insurance type, such as flight accident insurance, delay insurance, or cancellation insurance, as well as specific flight details, including flight date and flight number. This embodiment uses this information as search criteria to filter out all eligible insurance order information from the database.

[0061] To improve search speed and accuracy, this embodiment accesses an insurance order database stored on a local server or in the cloud, employing efficient SQL queries or other database query techniques to quickly locate all relevant insurance order records for the target user. By precisely matching the insurance type, flight date, and flight number within the insurance order information, this embodiment filters out all insurance order records relevant to the target user's current travel plans, preparing the necessary information for subsequent steps.

[0062] Optionally, the step of obtaining airline ticket status information corresponding to the insurance order record through the interface of the airline reservation system includes: sending a ticket query request to the preset API interface of the airline reservation system, wherein the ticket query request includes at least: flight number and flight date; parsing the flight status information set returned from the preset API interface of the airline reservation system, and extracting multiple key fields in the flight status information set, wherein the multiple key fields include: flight number, departure time, arrival time and ticket status; integrating the extracted multiple key fields into a unified format to obtain the airline ticket status information.

[0063] After identifying insurance order records associated with the target user, this embodiment further obtains real-time status information for the flights associated with these orders to determine whether a policy cancellation is necessary. First, by invoking the airline reservation system's pre-defined API, this embodiment sends a ticket query request containing the flight number and date to the system. This serves as the basis for obtaining flight status information. Then, from the flight status information set returned by the airline reservation system, this embodiment parses and extracts key fields, such as flight number, departure time, arrival time, and ticket status. This information is crucial for determining whether a flight has been delayed, canceled, or rescheduled. These extracted key fields are then consolidated into a unified format, forming airline ticket status information, which facilitates processing and comparison by subsequent modules, ensuring consistency and efficiency in the information processing process.

[0064] Through the above step S101, this embodiment effectively retrieves all relevant insurance order records of the target user from the insurance order database, and obtains the latest flight status information corresponding to each order through interaction with the airline reservation system interface.

[0065] Step S102: judging whether the airline ticket status information satisfies the cancellation conditions according to the preset cancellation rule library.

[0066] Optionally, step S102 includes: inputting the airline ticket status information and insurance clause information into an insurance cancellation rule library, and the insurance cancellation rule library performing a cancellation condition judgment to obtain a judgment result on whether the airline ticket status information satisfies the cancellation condition. The insurance cancellation rule library is pre-constructed, and the cancellation conditions in the insurance cancellation rule library include at least one of the following: flight delays exceeding a specified duration and flight cancellations can be subject to cancellation processing.

[0067] This embodiment pre-builds an insurance cancellation rule base, which contains various cancellation conditions. These conditions cover common situations such as flight delays exceeding a specified time and flight cancellations that can be processed for cancellation. The construction of the rule base is based on the current standards and regulations of the aviation insurance industry, and also takes into account the specific terms of the insurance contract to ensure that legal and reasonable cancellation judgments can be made in various situations. The insurance cancellation rule base is integrated with an intelligent condition judgment algorithm that can automatically analyze the input information, compare the flight status with the preset cancellation conditions, and quickly determine whether the cancellation conditions are met. The efficient operation of this mechanism relies on advanced data processing technology and an optimized algorithm framework to ensure that it can still respond quickly even with large amounts of data input.

[0068] When processing flight status changes, this embodiment inputs airline ticket status information obtained from the traditional booking system (IBE) and insurance policy information stored in the database into the insurance cancellation rule library. The information input process must ensure data accuracy and completeness to enable accurate judgment.

[0069] Considering the ever-changing nature of aviation insurance policies and market demands, the insurance cancellation rule library designed in this embodiment supports dynamic adjustment. When industry standards are updated or company cancellation policies change, the cancellation condition determination process is immediately reflected by simply updating the rule library, without rewriting code. This ensures the system's continued adaptability and flexibility. Once the judgment result indicates that the airline ticket status information meets the cancellation conditions, this embodiment immediately applies this judgment result to subsequent processes, triggering the cancellation request generation and sending module. Conversely, if the judgment result indicates that the conditions are not met, the cancellation process is not performed, but the reason for the non-compliance is recorded for subsequent query or analysis.

[0070] It should be noted that this embodiment emphasizes the principle of obtaining user authorization before monitoring flight ticket status information and determining cancellation conditions. This is to comply with data protection laws and regulations and protect user privacy. Information comparison and cancellation determination will only be performed if the user agrees to monitor their flight status and handle related insurance matters.

[0071] Furthermore, to avoid the limitations of a single condition, the cancellation condition determination mechanism designed in this embodiment can simultaneously process multiple conditions, such as the duration of the flight delay, the type of canceled flight, and the passenger's health status. This feature makes the cancellation process more refined and can meet diverse cancellation needs.

[0072] Step S103: If the judgment result indicates that the airline ticket status information meets the cancellation conditions, a cancellation request including flight information, insurance order information and cancellation reason is generated.

[0073] Once the cancellation condition determination module in this embodiment determines, based on the preset cancellation rule library, that the airline ticket status information meets the cancellation conditions, the next step is to retrieve a cancellation request generation template. This template is a pre-designed standard format that includes all necessary fields to clearly and accurately convey the details of the cancellation request.

[0074] Optionally, when the judgment result indicates that the airline ticket status information meets the cancellation conditions, the step of generating a cancellation request including flight information, insurance order information and cancellation reason includes: when the judgment result indicates that the airline ticket status information meets the cancellation conditions, calling a cancellation request generation template, wherein the fields in the cancellation request generation template include at least one of the following: a ticket unique identifier, an insurance contract number, a cancellation reason code and data verification logic; filling the flight information, insurance order information and cancellation reason into corresponding fields in the cancellation request generation template respectively, and outputting the cancellation request through the cancellation request generation template.

[0075] In this embodiment, the cancellation request generation template includes not only basic fields such as the ticket unique identifier, insurance contract number, and cancellation reason code, but may also include data validation logic. This means that the template itself has a certain degree of intelligent validation capabilities, ensuring that all entered information is complete, accurate, and meets the cancellation criteria during the request generation phase, thereby avoiding cancellation delays caused by data formatting or integrity issues.

[0076] The surrender request template uses the following workflow: automatically identify airline ticket status information that meets surrender requirements; retrieve and populate the fields in the surrender request template based on the associated ticket status and insurance order information; apply the template's built-in data validation logic to ensure the correctness and rationality of the request data; and finally output a complete surrender request, ready to be sent to the insurance company.

[0077] It should be noted that the fields in the cancellation request generation template, among which the ticket unique identifier is used to uniquely identify the information of each airline ticket, usually the ticket number or serial number, to ensure that the insurance company can quickly locate the specific flight and passenger information. The insurance contract number is the unique identifier of the insurance order, which contains important information such as the type of insurance, purchase date, and effective period, which facilitates the insurance company to identify and process the corresponding insurance contract. The cancellation reason code is a standardized code used to identify the specific reason for the cancellation, such as flight cancellation, flight delay exceeding the preset time, etc., which helps the insurance company quickly understand the background of the cancellation and speed up the processing process. The data verification logic is a set of rules used to check the integrity and consistency of each data in the cancellation request, ensuring that all required fields are filled in and there are no logical conflicts between the information, such as the relationship verification between the flight cancellation date and the insurance effective date.

[0078] Furthermore, the cancellation request generation template in this embodiment is designed to be flexible and extensible to accommodate different types of aviation insurance products and potentially new cancellation conditions. For example, the template should allow for the addition of new cancellation reason codes to cover future flight anomalies, such as aircraft failures and weather conditions. To enhance the practicality of the template, additional fields could be added, such as passenger personal information, detailed flight itinerary, and policy validity period, to accommodate complex cancellation requests.

[0079] Optionally, the automatic cancellation method based on airline ticket information also includes: subscribing to flight status update messages provided by the airline, identifying flight cancellation events, delay events or rebooking events based on the flight status update messages; and initiating the cancellation process when the identification result indicates that a flight cancellation event, delay event or rebooking event has occurred.

[0080] In this embodiment, the system further optimizes the automatic cancellation mechanism. By proactively subscribing to real-time flight status updates from airlines, it enables instant identification of flight cancellations, delays, and rebooking events. This embodiment utilizes modern communication protocols and message queue technology to establish a stable communication link with the airline, continuously monitoring and subscribing to real-time flight status updates, ensuring the system is immediately aware of any changes in flight status.

[0081] This embodiment also incorporates an intelligent event recognition algorithm that automatically analyzes received flight status updates to identify special events such as cancellations, delays, or rescheduling. This process typically involves comparing and analyzing key data points such as the flight number, original departure time, original arrival time, and actual flight status. Once the algorithm identifies a cancellation, delay, or rescheduling event, this embodiment immediately initiates the preparatory phase of the cancellation process, preparing for the subsequent determination of cancellation conditions and the generation of a cancellation request, thereby shortening the overall cancellation response time.

[0082] Through the above implementation steps, based on the abnormal status of the target flight, the associated insurance order information, etc., the system automatically constructs a cancellation request containing flight information, insurance order information, and the reason for cancellation, following the format and data requirements specified by the insurance company to ensure the accuracy and completeness of information transmission. It realizes real-time monitoring of flight status changes and automatic event identification, providing key information support for the accurate initiation of the automatic cancellation process, greatly improving the timeliness of the cancellation service and user experience.

[0083] Step S104: Send the generated policy cancellation request to the API interface designated by the insurance company.

[0084] This embodiment uses HTTPS or a similar secure communication protocol to send the constructed surrender request to the insurance company's preconfigured API. During the transmission process, the system encrypts the request data to protect user privacy and data security. Once the surrender request is successfully sent, the system records key information such as the sending time and request ID for subsequent tracking of the insurance company's processing progress. Furthermore, the system proactively checks and confirms the response from the insurance company's API to ensure that the request was correctly received and identified.

[0085] Considering that network conditions and system load may affect the immediate processing of requests, this embodiment also designs an error handling mechanism and retry logic to deal with potential failures or delays in the request sending process, ensuring that the policy cancellation request can ultimately be successfully delivered to the insurance company.

[0086] Step S105: parse the cancellation processing result returned by the insurance company and update the insurance order status of the associated target user.

[0087] Optionally, step S105 includes: parsing the cancellation processing result returned by the insurance company, and when the parsing result indicates that the cancellation processing result is that the cancellation has been processed, updating the insurance order status of the associated target user to canceled, and recording the cancellation time; calculating the refund amount of the associated airline ticket according to the preset refund rules, and initiating a refund operation to the target user's account; sending a cancellation success notification and a refund status notification to the user terminal held by the target user.

[0088] When an insurance company receives a policy cancellation request, it evaluates and processes it according to its internal procedures. Once the cancellation request is processed, the insurance company returns a processing result. This embodiment interprets these processing results to confirm whether the policy cancellation has been successfully processed. If the parsing result indicates that the policy cancellation has been successfully processed, this embodiment automatically updates the insurance order status associated with the target user in the database to "Canceled" and records the specific cancellation time. This update is the final confirmation of the policy cancellation process, ensuring that the insurance order information in the system is consistent with the actual situation, facilitating subsequent management and query.

[0089] Furthermore, this embodiment can also calculate the refund amount corresponding to the cancelled air ticket based on pre-set refund rules. Refund rules may be formulated based on factors such as the insurance contract terms, the cancellation time, and flight status. The purpose is to calculate the refund amount reasonably and fairly. Once the calculation is complete, the system automatically initiates the refund operation to the target user's account. This is usually executed through bank transfer or third-party payment platforms to ensure the security and efficiency of the refund process.

[0090] After completing the status update and refund process, this embodiment also sends a successful cancellation notification and refund status confirmation to the target user's device via various communication channels, such as SMS, email, or mobile app push. These notifications not only inform the user that the cancellation has been completed but also provide detailed refund information, such as the refund amount, refund method, and expected arrival time, enhancing service transparency and user satisfaction.

[0091] It should also be noted that this embodiment also takes into account possible exceptions that may arise during the policy cancellation process. For example, if the insurance company fails to successfully process the policy cancellation request or encounters technical obstacles during the refund process, the system will automatically record the exception information and initiate the corresponding exception handling process, which may include retrying the policy cancellation request, manual review, or further communication with the insurance company until the issue is resolved. At the same time, the system will continue to track the processing progress and send regular update notifications to the user until the policy cancellation process is fully completed.

[0092] In order to ensure data consistency across all operations, this embodiment also designs a data synchronization mechanism to update information in all data tables related to the target user in real time, including flight information, insurance order information, and personal cancellation history.

[0093] This embodiment not only achieves effective analysis of the cancellation processing results and accurate update of the insurance order status, but also ensures a good experience for the target users throughout the cancellation process through an automatic refund process and user notification mechanism.

[0094] Through the above steps, the insurance order record associated with the target user can be retrieved from the insurance order database, and the airline ticket status information corresponding to the insurance order record can be obtained through the interface of the airline reservation system. Based on the preset cancellation rule library, it is determined whether the airline ticket status information meets the cancellation conditions. If the judgment result indicates that the airline ticket status information meets the cancellation conditions, a cancellation request containing flight information, insurance order information, and cancellation reason is generated. The generated cancellation request is sent to the insurance company's designated API interface, the cancellation processing result returned by the insurance company is parsed, and the insurance order status associated with the target user is updated. In this embodiment, the cancellation process for abnormal flights can be automated through processes such as insurance order matching, airline ticket status information acquisition, cancellation condition determination, cancellation request generation and transmission, and cancellation request processing and notification. This improves cancellation efficiency, simplifies the cancellation process, reduces manual intervention, and improves user satisfaction, thereby resolving the technical problems in related technologies such as the cumbersome and inefficient cancellation process for aviation accident insurance, which can easily lead to reduced customer satisfaction.

[0095] The above-mentioned embodiment of the present invention can automatically identify orders that meet the cancellation conditions based on the user's insurance order and flight information, connect with the airline's reservation system through an interface, obtain ticket status information in real time, and automatically generate a cancellation request for orders that meet the cancellation conditions and submit it to the insurance company.

[0096] The following describes in detail another optional specific implementation.

[0097] The embodiment of the present invention first describes the overall process of automatic cancellation based on airline ticket information, including:

[0098] User-purchased insurance: When purchasing air tickets through online platforms or mobile applications, users can choose to purchase additional flight insurance, flight delay insurance, or cancellation insurance.

[0099] System receiving information: After the system receives the user's insurance purchase information, it automatically encrypts the relevant information and saves it in the insurance order database.

[0100] Ticket information acquisition: The system obtains ticket status in real time by connecting to the interface of Air China's traditional booking system (IBE).

[0101] Determination of refund conditions: Once a flight is delayed or cancelled, the system will automatically determine whether the refund conditions are met.

[0102] Generation and sending of surrender request: If the surrender conditions are met, the system automatically generates a surrender request and sends it to the insurance company.

[0103] Policy cancellation processing and notification: After the insurance company processes the policy cancellation request, the system updates the order status and notifies the user of the successful policy cancellation via SMS or email.

[0104] Figure 2 is a schematic diagram of an automatic insurance cancellation system based on airline ticket information according to an embodiment of the present invention. Figure 2 As shown, the automatic policy cancellation system includes: an insurance information matching module, a flight information acquisition module, a policy cancellation condition determination module, a policy cancellation request generation and submission module, and a policy cancellation request processing and notification module. Designed to improve policy cancellation efficiency, simplify the cancellation process, reduce manual intervention, and enhance the user experience, it consists of multiple collaborative modules that jointly complete the automatic policy cancellation task. The following is a schematic description of each module.

[0105] 1. Insurance information matching module.

[0106] This module accesses the insurance order database stored locally or in the cloud, and preliminarily retrieves the insurance order information that meets the conditions based on the insurance type purchased by the user and the scheduled flight information.

[0107] Insurance information is encrypted and stored in a relational database to ensure quick and accurate locating of insurance information for relevant orders. Furthermore, reasonable filtering criteria, such as insurance type and flight date, are also required to improve matching accuracy.

[0108] The specific steps for implementing the insurance information matching module include:

[0109] Data acquisition: Obtain insurance order information from the user, including but not limited to insurance type, flight date, flight number, etc.

[0110] Data processing: Use SQL or other database query languages ​​to match the above information in the insurance order database and filter out insurance order records that meet the conditions.

[0111] Data output: pass the filtered order information to the next processing module.

[0112] 2. Ticket information acquisition module.

[0113] This module is responsible for obtaining the status information of the corresponding ticket in real time through the interface with the Air China traditional booking system (IBE), including but not limited to key information such as flight number, departure time, arrival time, and status.

[0114] With passenger authorization, data is exchanged with TravelSky's traditional reservation system using API technology to ensure real-time and accurate information. Furthermore, the acquired data needs to be cleaned and verified to ensure data quality in subsequent processing steps.

[0115] The specific steps for implementing the ticket information acquisition module include:

[0116] Interface call: Send a ticket query request to China Travel Information's traditional reservation system through the API interface communication method.

[0117] Data parsing: Parse the ticket status information returned from the IBE system and extract key fields such as flight number, departure time, arrival time, and ticket status.

[0118] Data integration: The parsed flight status information is integrated into a unified format and sent to the cancellation condition judgment module.

[0119] 3. Policy cancellation condition judgment module.

[0120] The cancellation condition judgment module can compare the ticket status information with the cancellation conditions in the insurance terms to determine whether the cancellation criteria are met.

[0121] Figure 3 FIG. 1 is an implementation flow chart of an optional policy cancellation condition judgment module according to an embodiment of the present invention. Figure 3As shown in the figure, the surrender condition determination process includes:

[0122] Step 1: Pre-establish a rule base for determining cancellation conditions. For example, if a flight is delayed for a certain period of time or is canceled, a cancellation can be processed.

[0123] Step 2: Collect ticket information and insurance terms information;

[0124] Step 3: Compare the ticket information with the insurance policy information to determine whether the cancellation conditions are met. Enter the ticket status information and insurance policy information into the rule library to determine whether the cancellation conditions are met. If yes, proceed to step 5; if not, proceed to step 4.

[0125] Step 4: Remove the automatic policy cancellation process.

[0126] Step 5: Process the policy cancellation.

[0127] If the cancellation conditions are met, the order information will be sent to the cancellation request generation and sending module; if not, the reason for non-satisfaction will be recorded and the cancellation process will be ended.

[0128] This model develops a rule base for determining surrender conditions to support flexible configuration of surrender conditions. The rule base should be highly scalable to facilitate future adjustments to surrender conditions or the addition of new ones.

[0129] 4. Surrender request generation and sending module.

[0130] The cancellation request generation and sending module can automatically generate a cancellation request containing ticket information, insurance order information and cancellation reasons when the cancellation conditions are met, and send it to the insurance company.

[0131] Figure 4 FIG. 1 is an implementation flow chart of an optional surrender request generation and sending module according to an embodiment of the present invention, such as Figure 4 As shown, the process of generating and sending a policy surrender request includes the following steps:

[0132] Step 1: Pre-build a cancellation request template, including fields such as flight information, insurance order information, and cancellation reason;

[0133] Step 2: Fill in the surrender request content;

[0134] Step 3: Send a policy cancellation request via HTTP POST request to the API interface specified by the insurance company.

[0135] The surrender request generation and delivery module creates a standardized surrender request template, ensuring all necessary information is accurately included. The generated surrender request is then sent to the insurance company for processing. Information security and privacy protection are also considered to ensure sensitive information is properly handled.

[0136] 5. Policy surrender request processing and notification module.

[0137] After the insurance company processes the policy cancellation request, it will execute the policy cancellation operation according to the preset business logic, including but not limited to updating the insurance order status, executing the refund, etc., and notify the user of the successful policy cancellation and related information through SMS, email, etc.

[0138] Establish a data exchange mechanism with insurance companies to ensure that cancellation requests are correctly received and processed. At the same time, establish a complete cancellation process, including order status updates, refund processing, and user notifications.

[0139] The specific steps for implementing the surrender request processing and notification module include:

[0140] Response processing: Receive and parse the response information returned by the insurance company to confirm that the policy cancellation request has been accepted.

[0141] Order update: Update the insurance order status to canceled and record relevant information such as cancellation time.

[0142] Refund processing: Based on the preset refund logic, calculate the refund amount and complete the refund through bank transfer or other methods.

[0143] User notification: Notify users of successful policy cancellation and related information via SMS, email, etc.

[0144] The above-described embodiment of the present invention implements an automated cancellation process through the collaborative operation of the insurance information matching module, the ticket information acquisition module, the cancellation condition determination module, the cancellation request generation and transmission module, and the cancellation request processing and notification module. This system not only improves cancellation efficiency and service quality, but also significantly enhances the user experience, bringing new development opportunities to the aviation insurance industry. This system can be applied not only in the aviation sector but also in insurance services in other transportation sectors, demonstrating its broad potential for application.

[0145] Furthermore, the present invention also automates the cancellation process, eliminating the need for users to manually submit applications or supporting documentation. This significantly simplifies the cancellation process and improves efficiency. By utilizing a flight information system to obtain real-time flight status information, manual errors are reduced, ensuring the accuracy of cancellation criteria and lowering the failure rate of cancellations due to inaccurate information.

[0146] Furthermore, the automated surrender mechanism provided by the embodiments of this invention makes the entire surrender process seamless, reducing user waiting time and unnecessary communication, and improving the user experience. Automated processing reduces the workload of customer service personnel and the additional costs incurred by manually processing surrender requests, helping insurance companies reduce costs and improve profit margins.

[0147] Furthermore, the embodiments of the present invention can quickly respond to changes in flight status, such as flight cancellations or severe delays, to ensure that the cancellation process is initiated as soon as possible, providing timely support to users.

[0148] The following describes it in detail with reference to another embodiment.

[0149] Example 2

[0150] The automatic insurance cancellation device based on airline ticket information provided in this embodiment includes multiple implementation units, each of which corresponds to each implementation step in the above-mentioned embodiment 1.

[0151] Figure 5 is a schematic diagram of an optional automatic insurance cancellation device based on airline ticket information according to an embodiment of the present invention. Figure 5 As shown, the automatic insurance cancellation device based on airline ticket information may include: an insurance order retrieval unit 51, an insurance cancellation condition judgment unit 52, an insurance cancellation request generation unit 53, an insurance cancellation request sending unit 54, and an insurance order status updating unit 55.

[0152] The insurance order retrieval unit 51 is used to retrieve the insurance order record related to the target user from the insurance order database, and obtain the airline ticket status information corresponding to the insurance order record through the interface of the airline reservation system.

[0153] The cancellation condition determination unit 52 is configured to determine whether the airline ticket status information satisfies the cancellation condition based on a preset cancellation rule library.

[0154] The cancellation request generating unit 53 is configured to generate a cancellation request including flight information, insurance order information and cancellation reasons when the judgment result indicates that the airline ticket status information meets the cancellation conditions.

[0155] The policy cancellation request sending unit 54 is used to send the generated policy cancellation request to the API interface designated by the insurance company.

[0156] The insurance order status updating unit 55 is used to parse the cancellation processing result returned by the insurance company and update the insurance order status of the associated target user.

[0157] The above-mentioned automatic cancellation device based on airline ticket information can retrieve the insurance order record related to the target user from the insurance order database through the insurance order retrieval unit 51, and obtain the airline ticket status information corresponding to the insurance order record through the interface of the airline reservation system. The cancellation condition judgment unit 52 judges whether the airline ticket status information meets the cancellation conditions according to the preset cancellation rule library. When the judgment result indicates that the airline ticket status information meets the cancellation conditions, the cancellation request generation unit 53 generates a cancellation request including flight information, insurance order information and cancellation reason. The cancellation request sending unit 54 sends the generated cancellation request to the API interface specified by the insurance company. The insurance order status update unit 55 parses the cancellation processing result returned by the insurance company and updates the insurance order status of the associated target user. In this embodiment, the cancellation process for abnormal flights can be automatically completed through processes such as insurance order matching, airline ticket status information acquisition, cancellation condition judgment, cancellation request generation and sending, cancellation request processing and notification, etc., thereby improving cancellation efficiency, simplifying the cancellation process, reducing human intervention, and improving user satisfaction, thereby solving the technical problems in related technologies such as the complicated aviation accident insurance cancellation process, low processing efficiency, and the tendency to reduce customer satisfaction.

[0158] Optionally, the insurance order retrieval unit includes: an insurance order information retrieval module, used to retrieve qualified insurance order information based on the insurance category purchased by the target user and the scheduled flight information, wherein the insurance order information includes: insurance category, flight date, and flight number; an order database access module, used to access the insurance order database stored locally or in the cloud, match the insurance order information in the insurance order database, and filter out qualified insurance order records.

[0159] Optionally, the insurance order retrieval unit includes: a ticket query request sending module, used to send a ticket query request to a preset API interface of the airline reservation system, wherein the ticket query request includes at least: flight number and flight date; a flight status information parsing module, used to parse the flight status information set returned from the preset API interface of the airline reservation system, and extract multiple key fields in the flight status information set, wherein the multiple key fields include: flight number, departure time, arrival time and ticket status; a field integration module, used to integrate the extracted multiple key fields into a unified format to obtain airline ticket status information.

[0160] Optionally, the cancellation condition judgment unit includes: an information input module, used to input the airline ticket status information and insurance clause information into the insurance cancellation rule library, and the insurance cancellation rule library performs a cancellation condition judgment to obtain a judgment result on whether the airline ticket status information meets the cancellation condition, wherein the insurance cancellation rule library is pre-constructed, and the cancellation conditions in the insurance cancellation rule library include at least one of the following: flight delays exceeding a specified time and flight cancellations can be processed for cancellation.

[0161] Optionally, the cancellation request generation unit includes: a cancellation request generation template calling module, used to call the cancellation request generation template when the judgment result indicates that the airline ticket status information meets the cancellation conditions, wherein the fields in the cancellation request generation template include at least one of the following: a ticket unique identifier, an insurance contract number, a cancellation reason code, and data verification logic; and a field filling module, used to fill the flight information, insurance order information, and cancellation reason into corresponding fields in the cancellation request generation template, and output the cancellation request through the cancellation request generation template.

[0162] Optionally, the automatic cancellation device based on airline ticket information also includes: a flight update subscription unit, used to subscribe to flight status update messages provided by the airline, and identify flight cancellation events, delay events or rebooking events based on the flight status update messages; a cancellation process startup module, used to start the cancellation process when the identification result indicates that a flight cancellation event, delay event or rebooking event has occurred.

[0163] Optionally, the insurance order status update unit includes: a cancellation processing result parsing module, which is used to parse the cancellation processing result returned by the insurance company. When the parsing result indicates that the cancellation processing result is that the cancellation has been processed, the insurance order status of the associated target user is updated to canceled, and the cancellation time is recorded; a refund amount calculation module, which is used to calculate the refund amount of the associated airline ticket according to the preset refund rules, and initiate a refund operation to the target user's account; a cancellation notification sending module, which is used to send a cancellation success notification and a refund status notification to the user terminal held by the target user.

[0164] The automatic cancellation device based on airline ticket information may further include a processor and a memory. The insurance order retrieval unit 51, the cancellation condition determination unit 52, the cancellation request generation unit 53, the cancellation request sending unit 54, the insurance order status update unit 55, etc. are all stored as program units in the memory. The processor executes the program units stored in the memory to implement corresponding functions.

[0165] The processor includes a core that retrieves the corresponding program unit from the memory. One or more cores can be configured, and the automatic cancellation process based on the airline ticket information can be implemented by adjusting the core parameters.

[0166] The above-mentioned memory may include non-permanent memory in a computer-readable medium, random access memory (RAM) and / or non-volatile memory, such as read-only memory (ROM) or flash RAM, and the memory includes at least one memory chip.

[0167] According to another aspect of an embodiment of the present invention, a computer-readable storage medium is further provided, wherein the computer-readable storage medium includes a stored computer program, wherein when the computer program is running, the device where the computer-readable storage medium is located is controlled to execute any one of the automatic cancellation methods based on airline ticket information in the above-mentioned embodiment 1.

[0168] According to another aspect of an embodiment of the present invention, an electronic device is also provided, including one or more processors and a memory, wherein the memory is used to store one or more programs, wherein when the one or more programs are executed by one or more processors, the one or more processors implement the automatic cancellation method based on airline ticket information of any one of the above-mentioned embodiments.

[0169] The present application also provides a computer program product, including a computer program, which, when executed by a processor, implements the steps of the automatic insurance cancellation method based on airline ticket information described in each embodiment of the present application.

[0170] The present application also provides a computer program product, including a non-volatile computer-readable storage medium, wherein the non-volatile computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, the steps of the automatic cancellation method based on airline ticket information described in each embodiment of the present application are implemented.

[0171] Figure 6 This is a hardware structure diagram of an electronic device (or mobile device) that executes an automatic cancellation method based on airline ticket information according to an embodiment of the present invention. Figure 6 As shown, the electronic device may include one or more ( Figure 6 (As shown in the figure, 602a, 602b, ..., 602n are used) processor 602 (processor 602 may include but is not limited to a microprocessor MCU or a programmable logic device FPGA, etc.), memory 604 for storing data. In addition, it may also include: a display, an input / output interface (I / O interface), a universal serial bus (USB) port (which may be included as one of the ports of the I / O interface), a network interface, a keyboard, a power supply and / or a camera. It will be understood by those skilled in the art that Figure 6 The structure shown is only for illustration and does not limit the structure of the above electronic device. Figure 6More or fewer components than shown, or with Figure 6 Different configurations shown.

[0172] The serial numbers of the above embodiments of the present invention are for description only and do not represent the advantages or disadvantages of the embodiments.

[0173] In the above embodiments of the present invention, the description of each embodiment has its own focus. For parts that are not described in detail in a certain embodiment, reference can be made to the relevant descriptions of other embodiments.

[0174] In the several embodiments provided in this application, it should be understood that the disclosed technical content can be implemented in other ways. Among them, the device embodiments described above are only exemplary. For example, the division of the units can be a logical function division. In actual implementation, there may be other division methods, 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 units or modules, which can be electrical or other forms.

[0175] The units described as separate components may or may not be physically separate, and the components shown as units may or may not be physical units, that is, they may be located in one place or distributed across multiple units. Some or all of the units may be selected according to actual needs to achieve the purpose of the present embodiment.

[0176] In addition, the functional units in the various embodiments of the present invention may be integrated into a single processing unit, each unit may exist physically separately, or two or more units may be integrated into a single unit. The aforementioned integrated units may be implemented in the form of hardware or software functional units.

[0177] If the integrated 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 technical solution of the present invention, or the part that contributes to the prior art, or all or part of the technical solution can be embodied in the form of a software product. The computer software product is stored in a storage medium and includes several instructions for enabling a computer device (which can be a personal computer, server or network device, etc.) to perform all or part of the steps of the method described in each embodiment of the present invention. The aforementioned storage medium includes: U disk, read-only memory (ROM, Read-Only Memory), random access memory (RAM, Random Access Memory), mobile hard disk, magnetic disk or optical disk, etc. Various media that can store program codes.

[0178] The above is only a preferred embodiment of the present invention. It should be pointed out that for ordinary technicians in this technical field, several improvements and modifications can be made without departing from the principles of the present invention. These improvements and modifications should also be regarded as within the scope of protection of the present invention.

Claims

1. An automatic insurance cancellation method based on airline ticket information, characterized in that: include: Retrieving the insurance order record related to the target user from the insurance order database, and obtaining the airline ticket status information corresponding to the insurance order record through the interface of the airline reservation system; Determining whether the airline ticket status information meets the cancellation conditions based on a preset cancellation rule library; If the judgment result indicates that the airline ticket status information meets the cancellation conditions, generating a cancellation request including flight information, insurance order information and cancellation reason; Send the generated surrender request to the API interface designated by the insurance company; The policy cancellation processing result returned by the insurance company is parsed, and the insurance order status associated with the target user is updated.

2. The automatic cancellation method based on airline ticket information according to claim 1, characterized in that: The steps of retrieving insurance order records related to the target user from the insurance order database include: Retrieving eligible insurance order information based on the insurance type purchased by the target user and the scheduled flight information, wherein the insurance order information includes: insurance type, flight date, and flight number; Access the insurance order database stored locally or in the cloud, perform matching in the insurance order database according to the insurance order information, and filter out insurance order records that meet the conditions.

3. The automatic cancellation method based on airline ticket information according to claim 1, characterized in that: The step of obtaining the airline ticket status information corresponding to the insurance order record through the interface of the airline reservation system includes: Sending a ticket query request to a preset API interface of the airline reservation system, wherein the ticket query request includes at least: a flight number and a flight date; Parsing a flight status information set returned from a preset API interface of the airline reservation system, and extracting a plurality of key fields from the flight status information set, wherein the plurality of key fields include: flight number, departure time, arrival time, and ticket status; The extracted multiple key fields are integrated into a unified format to obtain the airline ticket status information.

4. The automatic cancellation method based on airline ticket information according to claim 1, characterized in that: The step of determining whether the airline ticket status information meets the cancellation conditions according to a preset cancellation rule library includes: The airline ticket status information and insurance clause information are input into an insurance cancellation rule library, and the insurance cancellation rule library determines cancellation conditions to obtain a determination result as to whether the airline ticket status information satisfies the cancellation conditions. The insurance cancellation rule library is pre-established, and the cancellation conditions in the insurance cancellation rule library include at least one of the following: flight delays exceeding a specified duration and flight cancellations qualify for cancellation.

5. The automatic cancellation method based on airline ticket information according to claim 1, characterized in that: If the judgment result indicates that the airline ticket status information satisfies the cancellation conditions, the step of generating a cancellation request including flight information, insurance order information, and a cancellation reason includes: If the judgment result indicates that the airline ticket status information satisfies the cancellation condition, calling a cancellation request generation template, wherein fields in the cancellation request generation template include at least one of the following: a ticket unique identifier, an insurance contract number, a cancellation reason code, and data verification logic; Fill in the flight information, insurance order information and cancellation reason into the corresponding fields of the cancellation request generation template, and output the cancellation request through the cancellation request generation template.

6. The automatic insurance cancellation method based on airline ticket information according to claim 5, characterized in that: Also includes: Subscribe to flight status update messages provided by airlines, and identify flight cancellation events, delay events, or rebooking events based on the flight status update messages; When the identification result indicates that a flight cancellation, delay or rebooking event has occurred, the refund process is initiated.

7. The automatic insurance cancellation method based on airline ticket information according to claim 1, characterized in that: The step of parsing the policy cancellation result returned by the insurance company and updating the insurance order status associated with the target user includes: Parsing the surrender processing result returned by the insurance company, and if the parsing result indicates that the surrender processing result is surrendered, updating the insurance order status associated with the target user to surrendered, and recording the surrender time; Calculate the refund amount associated with the airline ticket according to the preset refund rules, and initiate a refund operation to the target user's account; Send a cancellation success notification and a refund status notification to the user terminal held by the target user.

8. An automatic insurance cancellation device based on airline ticket information, characterized in that: include: An insurance order retrieval unit, configured to retrieve an insurance order record related to a target user from an insurance order database, and obtain airline ticket status information corresponding to the insurance order record through an interface of an airline reservation system; A cancellation condition determination unit, configured to determine whether the airline ticket status information satisfies the cancellation condition based on a preset cancellation rule library; a cancellation request generating unit, configured to generate a cancellation request including flight information, insurance order information, and a cancellation reason if the judgment result indicates that the airline ticket status information satisfies the cancellation condition; A policy surrender request sending unit, configured to send the generated policy surrender request to an API interface designated by the insurance company; The insurance order status updating unit is used to parse the cancellation processing result returned by the insurance company and update the insurance order status associated with the target user.

9. An electronic device, characterized in that: The invention comprises one or more processors and a memory, wherein the memory is used to store one or more programs, wherein when the one or more programs are executed by the one or more processors, the one or more processors implement the automatic cancellation method based on airline ticket information as described in any one of claims 1 to 7.

10. A computer program product comprising a computer program, characterized in that When the computer program is executed by a processor, the steps of the automatic insurance cancellation method based on airline ticket information according to any one of claims 1 to 7 are implemented.

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