Insurance product processing method and system and electronic equipment

Abstract

The invention discloses an insurance product processing method and system and electronic equipment. Relates to the field of air travel insurance. The method comprises the steps that a processing request message of a target insurance product is received, whether the processing request message meets a target message standard or not is verified, and a verification result is obtained, and the target message standard comprises a new distribution capability standard; under the condition that the verification result indicates that the processing request message meets the target message standard, detecting whether the processing request message meets a preset processing condition, and obtaining a detection result; under the condition that the detection result indicates that the processing request message meets the preset processing condition, generating a target processing message conforming to a driver protection message standard; and sending the target processing message to the target insurance system. The technical problem that insurance products of different insurance suppliers are difficult to process uniformly due to the fact that different air travel insurance supplier systems use different data formats in related technologies is solved.

Description

Technical Field

[0001] The present invention relates to the field of air travel insurance, and in particular to a method, system and electronic equipment for processing insurance products. Background Art

[0002] With the continuous development of the aviation travel industry, travel insurance has become an increasingly popular choice for travelers. However, the large number of travel insurance providers, each offering different products and services, has caused inconvenience for both distributors and travelers. As a result, distributors and travelers are unable to fully compare the coverage and prices of different insurance products when purchasing insurance.

[0003] In related technologies, various travel insurance supplier systems typically use different data formats, making it difficult for travel insurance distributors such as airlines, travel platforms, and online travel agencies to uniformly process and integrate a large number of insurance products. Distributors are unable to sell products from multiple suppliers through a single system, hindering the personalized needs of travelers. Furthermore, with the constant introduction of new products and services from different insurance suppliers, insurance sales systems require constant updates and iterations to keep pace with the insurance market. This not only increases distributors' technology development and system maintenance costs, hindering the rapid sales of new products, but also creates inconvenience for travelers when purchasing insurance products, making it difficult for them to easily compare and select insurance products.

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

[0005] Embodiments of the present invention provide a method, system, and electronic device for processing insurance products to at least address the technical problem in related technologies where different travel insurance supplier systems use different data formats, making it difficult to uniformly process insurance products from different insurance suppliers.

[0006] According to one aspect of an embodiment of the present invention, a method for processing insurance products is provided, comprising: receiving a processing request message of a target insurance product, verifying whether the processing request message meets a target message standard, and obtaining a verification result, wherein the target insurance product includes an air travel insurance product, the processing request message is used to request processing of the insurance business of the target insurance product, and the target message standard includes a new distribution capability standard; when the verification result indicates that the processing request message meets the target message standard, detecting whether the processing request message meets a preset processing condition, and obtaining a detection result; when the detection result indicates that the processing request message meets the preset processing condition, generating a target processing message that meets an insurance company message standard, wherein the target processing message is used to request a target insurance system to process the insurance business involved in the processing request message, and the insurance company message standard includes a standard for messages that can be processed by the target insurance system; and sending the target processing message to the target insurance system to process the insurance business involved in the processing request message.

[0007] Furthermore, detecting whether the processing request message satisfies preset processing conditions and obtaining a detection result includes: parsing the processing request message to obtain a parsing result, and extracting the product identification of the target insurance product from the parsing result; based on the product identification of the target insurance product, obtaining the preset processing conditions in a data storage module, wherein the data storage module is used to store information of multiple insurance products; based on the parsing result, determining whether the processing request message satisfies the preset processing conditions and obtaining a detection result.

[0008] Furthermore, the insurance business involved in the processing request message includes at least one of the following: the insurance business of insuring the target insurance product, the order query business of querying the order of the target insurance product, the cancellation business of canceling the insurance of the target insurance product, the invoice application business of applying for the invoice of the target insurance product, and the invoice query business of querying the invoice of the target insurance product; the preset processing conditions include at least one of the following: the insurance conditions for insuring the target insurance product, the order query conditions for querying the order of the target insurance product, the cancellation conditions for canceling the insurance of the target insurance product, the invoice application conditions for applying for the invoice of the target insurance product, and the invoice query conditions for querying the invoice of the target insurance product.

[0009] Furthermore, before receiving a processing request message for a target insurance product, verifying whether the processing request message meets the target message standard, and obtaining a verification result, it also includes: receiving insurance product information sent by multiple insurance systems to obtain multiple insurance product information, wherein the multiple insurance systems include: a system for providing different air travel insurance products, and the multiple insurance systems include the target insurance system; performing format conversion on the information format of the multiple insurance product information to obtain multiple converted insurance product information, so that the information format of the multiple insurance product information is consistent; and storing the multiple converted insurance product information in the data storage module.

[0010] Furthermore, after sending the target processing message to the target insurance system to process the insurance business involved in the processing request message, it also includes: receiving the processing result message returned by the target insurance system; parsing the processing result message to obtain a parsed processing result message; encapsulating the parsed processing result message into a message that meets the target message standard to obtain a target processing result message, and returning the target processing result message to the system that sent the processing request message.

[0011] Furthermore, the insurance product processing method also includes: receiving a query request message, wherein the query request message includes: product information for requesting to query the air travel insurance product; when the query request message meets the target message standard, based on the query conditions carried in the query request message, performing information query in the data storage module, obtaining the query result, and returning the query result to the system that sent the query request message.

[0012] Furthermore, when the verification result indicates that the processing request message does not meet the target message standard, or when the detection result indicates that the processing request message does not meet the preset processing conditions, a request failure message is generated, wherein the request failure message is used to indicate that the insurance business processing involved in the processing request message has failed; and the request failure message is returned to the system that initiated the processing request message.

[0013] According to another aspect of an embodiment of the present invention, a system for processing insurance products is further provided, and the system for processing insurance products is used to execute the method for processing insurance products, including: an order processing module, used to receive a processing request message of a target insurance product, verify whether the processing request message meets the target message standard, obtain a verification result, and when the verification result indicates that the processing request message meets the target message standard, detect whether the processing request message meets the preset processing condition, obtain a detection result, and when the detection result indicates that the processing request message meets the preset processing condition, generate a target processing message that meets the insurance message standard, and send the target processing message to the target insurance system for processing. Processing the insurance business involved in the processing request message, wherein the target insurance product includes: air travel insurance products, the processing request message is used to request processing of the insurance business of the target insurance product, the target message standard includes: new distribution capability message standard, the target processing message is used to request the target insurance system to process the insurance business involved in the processing request message, wherein the insurance company message standard includes: message standard of messages that can be processed by the target insurance system; a data storage module is used to store insurance product information sent by multiple insurance systems, the multiple insurance systems include: a system for providing different air travel insurance products, and the multiple insurance systems include the target insurance system.

[0014] Furthermore, the insurance product processing system also includes: a data integration module, used to receive the insurance product information sent by the multiple insurance systems, obtain multiple insurance product information, and convert the information format of the multiple insurance product information to obtain the converted multiple insurance product information, so that the information format of the multiple insurance product information is consistent; a data query module, used to receive a query request message, and when the query request message meets the target message standard, based on the query conditions carried in the query request message, perform information query in the data storage module to obtain query results, and return the query results to the system that initiated the query request message, wherein the query request message includes: product information for requesting to query the air travel insurance product.

[0015] According to another aspect of an embodiment of the present invention, an electronic device is provided, comprising: a processor; and a memory for storing executable instructions of the processor; wherein the processor is configured to execute any one of the above-mentioned insurance product processing methods by executing the executable instructions.

[0016] According to another aspect of an embodiment of the present invention, a computer-readable storage medium is provided, which stores a computer program, wherein when the computer program runs, the device where the computer-readable storage medium is located is controlled to execute any one of the above-mentioned insurance product processing methods.

[0017] In the present invention, a processing request message for a target insurance product is received, and the processing request message is verified to determine whether it meets target message standards, thereby obtaining a verification result. The target insurance product includes an air travel insurance product. The processing request message is used to request processing of insurance business for the target insurance product. The target message standards include new distribution capability standards. If the verification result indicates that the processing request message meets the target message standards, the processing request message is tested to determine whether it meets preset processing conditions, thereby obtaining a verification result. If the verification result indicates that the processing request message meets the preset processing conditions, a target processing message is generated that meets insurance company message standards. The target processing message is used to request a target insurance system to process the insurance business involved in the processing request message. The insurance company message standards include standards for messages that the target insurance system can process. The target processing message is then sent to the target insurance system to process the insurance business involved in the processing request message. This solves the technical problem in related art where different air travel insurance supplier systems use different data formats, making it difficult to uniformly process insurance products from different suppliers.

[0018] In this application, insurance products are uniformly processed through the new distribution capability standard, avoiding the situation in related technologies where different aviation insurance supplier systems use different data formats that are difficult to process uniformly, affecting the processing efficiency of aviation insurance business, thereby achieving the technical effect of unified aggregation processing of insurance business processing requests from different aviation insurance suppliers. BRIEF DESCRIPTION OF THE DRAWINGS

[0019] 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:

[0020] Figure 1 is a flow chart of an optional insurance product processing method according to an embodiment of the present invention;

[0021] Figure 2 is a schematic diagram of an optional insurance product processing system according to an embodiment of the present invention;

[0022] Figure 3 is a schematic diagram of a data flow of an optional insurance product processing system according to an embodiment of the present invention;

[0023] Figure 4is a schematic diagram of an optional module structure diagram according to an embodiment of the present invention;

[0024] Figure 5 This is an optional service message conversion flow chart according to an embodiment of the present invention;

[0025] Figure 6 This is an optional insurance issuance flow chart according to an embodiment of the present invention;

[0026] Figure 7 is an optional order query flow chart according to an embodiment of the present invention;

[0027] Figure 8 is an optional policy surrender flowchart according to an embodiment of the present invention;

[0028] Figure 9 is an optional invoice application flow chart according to an embodiment of the present invention;

[0029] Figure 10 is an optional invoice query flow chart according to an embodiment of the present invention;

[0030] Figure 11 is a schematic diagram of an optional insurance product processing device according to an embodiment of the present invention;

[0031] Figure 12 is a schematic diagram of an electronic device 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] For the convenience of description, some terms or nouns involved in the embodiments of this application are explained below.

[0035] NDC: New Distribution Capability, referred to as NDC, is a new distribution industry standard launched by relevant air transport associations. The new distribution capability mainly establishes a unified data transmission standard based on XML format messages, which can be used by airlines and their partners to exchange data. NDC mainly establishes a unified data transmission standard based on XML format messages, which can be used by airlines and their partners to exchange data. These unified standard messages are NDC messages. NDC messages are all presented in XML format documents and comply with their own technical specifications. For example, there are some "nodes", "attributes" and other contents, which are all standard technical definitions. In related technologies, NDC does not make a detailed definition of travel insurance content. This application defines the travel insurance sales process and data standards based on the NDC standard message format and process.

[0036] GDS (Global Distribution System) is a large-scale computer information service system used in civil aviation and the entire tourism industry. Through GDS, travel sales agencies worldwide can obtain a wealth of travel-related information from airlines, hotels, car rental companies, and insurance companies in a timely manner, providing customers with fast, convenient, and reliable service. TravelSky is a GDS service provider.

[0037] Target agents: Air ticket and insurance distributors.

[0038] OFFICE number: The number assigned by China TravelSky to the target agent based on the region.

[0039] Software: A term used in China Aviation Information Network's software operation and maintenance system, referring to the sum of products maintained by the project team, and a general term for the overall product system, for example: the aviation travel insurance aggregation system.

[0040] Module: A term used in the software operation and maintenance system of TravelSky, which refers to a component or subsystem of the software. For example, the travel insurance aggregation system includes the insurance platform module and insurance interface module.

[0041] The Insurance Distribution Platform (IDP), also known as the travel insurance distribution platform, is an aviation insurance aggregation system. This refers to the interfaces, data, and services provided by the Travel Information Insurance Platform software. It integrates, processes, and manages insurance product data provided by upstream and downstream insurance users. Targeting ticket agents or application software, it provides travel insurance product sales services, with key functions including insurance inquiries, reservations, policy cancellations, invoice issuance, and sales statistics.

[0042] It should be noted that the user information (including but not limited to user device information, user personal information, etc.), collected information and data (including but not limited to data used for analysis, stored data, displayed data, insurance business data, etc.) involved in this application are all 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 customs, and provide corresponding operation entrances for users to choose to authorize or refuse.

[0043] Example 1

[0044] According to an embodiment of the present invention, a method embodiment of an optional method for processing insurance products 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.

[0045] Figure 1 is a flow chart of an optional insurance product processing method according to an embodiment of the present invention, such as Figure 1 As shown, the method includes the following steps:

[0046] Step S101, receiving a processing request message for a target insurance product, verifying whether the processing request message meets the target message standard, and obtaining a verification result, wherein the target insurance product includes: an air travel insurance product, the processing request message is used to request processing of the insurance business of the target insurance product, and the target message standard includes: a new distribution capability standard.

[0047] The target insurance products mentioned above include travel insurance products. The processing request message can be used to request insurance services for the target insurance products. These services may include, but are not limited to, insurance services for purchasing the target insurance products, order query services for querying orders for the target insurance products, cancellation services for cancelling the target insurance products, invoice application services for requesting invoices for the target insurance products, and invoice query services for querying invoices for the target insurance products. The target message standard may include the New Distribution Capability (NDC) standard. The processing request message can be initiated by an insurance distributor or by a passenger via a terminal.

[0048] It should be noted that this embodiment can be used in the travel insurance aggregation system (IDP). IDP is an travel insurance distribution system serving domestic target agents, providing insurance distribution services to target agents. The system integrates resources from multiple insurance suppliers and realizes insurance sales through automated system docking.

[0049] In this embodiment, after receiving the processing request message of the target insurance product, it can be verified whether the processing request message complies with the New Distribution Capability NDC standard.

[0050] Step S102: When the verification result indicates that the processing request message meets the target message standard, it is detected whether the processing request message meets the preset processing conditions to obtain a detection result.

[0051] For example, when the verification result indicates that the processing request message complies with the NDC standard, it is possible to detect whether the processing request message meets the preset processing conditions. For example, if the insurance business involved in the processing request message is an insurance business for insuring the target insurance product, it is possible to verify whether the insurance conditions for insuring the target insurance product are met; if the insurance business involved in the processing request message is an order query business for querying orders for the target insurance product, it is possible to verify whether the order query conditions for querying orders for the target insurance product are met; if the insurance business involved in the processing request message is a cancellation business for canceling the insurance of the target insurance product, it is possible to verify whether the cancellation conditions for canceling the insurance of the target insurance product are met; if the insurance business involved in the processing request message is an invoice application business for applying for an invoice for the target insurance product, it is possible to verify whether the invoice application conditions for applying for an invoice for the target insurance product are met; if the insurance business involved in the processing request message is an invoice query business for querying the invoice of the target insurance product, it is possible to verify whether the invoice query conditions for querying the invoice of the target insurance product are met, thereby obtaining the detection result.

[0052] Step S103, when the detection result indicates that the processing request message meets the preset processing conditions, a target processing message that meets the insurance company message standard is generated, wherein the target processing message is used to request the target insurance system to process the insurance business involved in the processing request message, and the insurance company message standard includes: the standard of the message that the target insurance system can process.

[0053] When the detection result indicates that the processing request message meets the preset processing conditions, a target processing message that meets the message standards of the system of the insurance company (referred to as the insurance company) to which the target insurance product belongs / the system of the insurance supplier (corresponding to the target insurance system) can be generated. The target processing message can be used to request the target insurance system to process the processing request message, such as insurance application, order inquiry, policy cancellation, invoice application and invoice inquiry.

[0054] Step S104: Send the target processing message to the target insurance system to process the insurance business involved in the processing request message.

[0055] After the target processing message is generated, the target processing message may be sent to a target insurance system to request the target insurance system to process the insurance business involved in the processing request message.

[0056] Through the above steps, this embodiment utilizes the new distribution capability standard to uniformly process insurance products, avoiding the problem in related art where different airline insurance providers' systems use different data formats, making unified processing difficult and impacting airline insurance business processing efficiency. This achieves the technical effect of unified and aggregated processing of insurance business processing requests from different airline insurance providers. This further addresses the technical issue in related art where different airline insurance providers' systems use different data formats, making unified processing difficult for insurance products from different providers.

[0057] Optionally, detecting whether the processing request message meets the preprocessing conditions and obtaining the detection result includes: parsing the processing request message to obtain the parsing result, and extracting the product identification of the target insurance product from the parsing result; based on the product identification of the target insurance product, obtaining the preset processing conditions in the data storage module, wherein the data storage module is used to store information of multiple insurance products; based on the parsing result, determining whether the processing request message meets the preset processing conditions and obtaining the detection result.

[0058] In this embodiment, the processing request message can be parsed and the product identification of the target insurance product in the parsing result can be extracted. Then, based on the product identification of the target insurance product, the preset processing conditions of the target insurance product can be extracted from the data storage module storing the product information of the target insurance product. Then, based on the data in the parsing result, it can be determined whether the processing request message meets the preset processing conditions to obtain the detection result, thereby improving the verification accuracy of the processing request message and avoiding abnormal situations during the insurance business processing process.

[0059] Optionally, the insurance business involved in processing the request message includes at least one of the following: the insurance business of insuring the target insurance product, the order query business of querying the order of the target insurance product, the cancellation business of canceling the insurance of the target insurance product, the invoice application business of applying for the invoice of the target insurance product, and the invoice query business of querying the invoice of the target insurance product; the preset processing conditions include at least one of the following: the insurance conditions for insuring the target insurance product, the order query conditions for querying the order of the target insurance product, the cancellation conditions for canceling the insurance of the target insurance product, the invoice application conditions for applying for the invoice of the target insurance product, and the invoice query conditions for querying the invoice of the target insurance product.

[0060] In this embodiment, the insurance business involved in processing the request message may include but is not limited to: insurance business for insuring the target insurance product, order query business for querying the order of the target insurance product, cancellation business for canceling the insurance of the target insurance product, invoice application business for applying for the invoice of the target insurance product, and invoice query business for querying the invoice of the target insurance product. The preset processing conditions may include but are not limited to: insurance conditions for insuring the target insurance product, order query conditions for querying the order of the target insurance product, cancellation conditions for canceling the insurance of the target insurance product, invoice application conditions for applying for the invoice of the target insurance product, and invoice query conditions for querying the invoice of the target insurance product.

[0061] For example, the insurance services involved in processing the request message may include insurance product query (InsuranceShopping), insurance purchase (InsuranceOrderCreate), insurance cancellation (InsuranceOrderCancel), order query (InsuranceOrderRetrieve), invoice application (InsuranceInvoiceApplication) and invoice query (InsuranceInvoiceRetrieve).

[0062] In this embodiment, the insurance business processing flow may include:

[0063] (1) Insurance processing flow. Product information is obtained through the product query service. Users select appropriate insurance products by comparing information such as price and coverage, and generate insurance message information that complies with NDC standardization (corresponding to the processing request message). The insurance aggregation platform parses the insurance message of the NDC standard and obtains the information of the corresponding insurance company from the data storage module. For example, insurance company 1 requires unique information such as product code, insurance company code, insurance type and sales agency code for insurance; insurance company 2 requires channel order number, product code, plan code and policyholder policy unique code for insurance; insurance company 3 requires account, password, function identifier, cooperation channel interface identifier, signature information and other information for insurance. The detailed comparison of each insurance company is shown in Table 1, which clearly shows the difference between the insurance interface (i.e., the interface of the insurance aggregation platform) and the insurance interface of the insurance company.

[0064] Table 1

[0065]

[0066]

[0067] Then, the message information is verified according to the insurance information of each insurance company to check whether it meets the insurance conditions. If it does not meet the insurance conditions, the error information is assembled and returned to the front end. If it meets the insurance conditions, it is converted into the corresponding insurance company's own message for insurance. Then, the insurance company's return message is parsed and converted into a message that complies with the NDC standard and returned to the user. The instruction of this service is InsuranceOrderCreate. The instruction content includes product information, insurance period, flight information, insured person information, policyholder information, beneficiary information and member information, etc. The unique insurance product information of each insurance company is no longer required. Only an insurance product ID is required. The detailed insurance product information can be obtained in the data storage module through the insurance product ID. The content of the insurance request is shown in Table 2.

[0068] Table 2

[0069]

[0070] The details of the insurance return are shown in Table 3:

[0071] Table 3

[0072]

[0073]

[0074] (2) Order query process. When a user successfully or unsuccessfully applies for insurance, order information will be generated for the insurance aggregation system. When the insurance is successfully issued, policy information will be generated. Users can query the order information through this service. If the insurance is successfully issued, they will also need to construct a query message to the respective insurance company to query the corresponding order and policy information. It should be noted that the command of this service can be InsuranceOrderRetrieve, whose parameters include order number and policy number, and supports multi-policy and multi-order queries.

[0075] The order query request content is shown in Table 4:

[0076] Table 4

[0077] Field Name Field Description ResID Insurance system order number PolicyNumber Policy number

[0078] The order query response content is shown in Table 5:

[0079] Table 5

[0080]

[0081]

[0082] (3) Policy cancellation process. After the user successfully purchases the policy, he can cancel the policy through this service. First, the user sends a policy cancellation request. The system will verify whether the policy cancellation request complies with the NDC standard, and then verify whether the order meets the policy cancellation conditions. If the policy cancellation conditions are not met (the policy cancellation conditions are saved in the system through the data integration module), the reason for non-compliance will be directly returned. If the policy cancellation conditions are met, the corresponding insurance company's policy cancellation message will be constructed, and then the policy cancellation request will be made, parsed and returned, and the NDC standard policy cancellation return message will be constructed. It should be noted that the instruction of this service can be InsuranceOrderCancel, and its parameters include order number and policy number, which supports policy cancellation operations with one order number and multiple policy numbers.

[0083] The content of the policy cancellation request is shown in Table 6:

[0084] Table 6

[0085] Field Name Field Description …… Insurance system order number …… Policy number

[0086] The content of the policy cancellation response is shown in Table 7:

[0087] Table 7

[0088] Field Name Field Description …… …… …… Surrender Information …… Error description

[0089] (4) Invoice application process. After the user successfully issues the insurance, he can obtain the invoice through this service. First, the invoice application request sent by the user is received. The system verifies whether the invoice information complies with the NDC standard and whether the order information complies with the invoicing conditions. If it does not comply, the reason for non-compliance with the invoice will be directly returned. If it complies with the invoicing conditions, the invoice information of the corresponding insurance company will be constructed based on the order information and invoice application information, and the invoice application result returned by the insurance company will be parsed and assembled into invoice application return information that complies with the NDC standard. It should be noted that the instruction of this service can be InsuranceInvoiceApplication, and its parameters include information such as policy number, order number, invoice type, invoice header, invoice type, taxpayer identification number and email address, and batch invoicing operations are supported.

[0090] The invoice application request content is shown in Table 8:

[0091] Table 8

[0092] Field Name Field Description …… Policy number …… …… …… Invoice Remarks

[0093] The content of the invoice application response is shown in Table 9:

[0094] Table 9

[0095] Field Name Field Description PolicyNumber Policy number …… Electronic invoice download address …… …… …… Creation time …… Invoicing Type …… Invoice... Information …… …… Remark Invoice Remarks

[0096] (5) Invoice query process. After the user successfully issues an invoice, they can query the invoice through this service. First, the system receives the invoice query request sent by the user. The system verifies whether the invoice query information complies with the NDC standard and then returns the corresponding invoice information based on the invoice query conditions. The command of this service is InsuranceInvoiceRetrieve, and its parameter is the policy number. The corresponding invoice information can be queried based on the policy number.

[0097] The invoice query request content is shown in Table 10:

[0098] Table 10

[0099] Field Name Field Description PolicyNumber Policy number

[0100] The invoice query response content is shown in Table 11:

[0101] Table 11

[0102] Field Name Field Description PolicyNumber Policy number …… Electronic invoice download address …… Invoice Status …… Creation time …… Invoicing Type …… Invoice header …… Invoice Type …… Taxpayer Identification Number …… Registered address …… Registration Phone Number …… Bank account opening …… Bank account …… …… Remark Invoice Remarks

[0103] Optionally, before receiving a processing request message for a target insurance product, verifying whether the processing request message meets the target message standard, and obtaining a verification result, it also includes: receiving insurance product information sent by multiple insurance systems to obtain multiple insurance product information, wherein the multiple insurance systems include: a system for providing different air travel insurance products, and the multiple insurance systems include a target insurance system; performing format conversion on the information format of the multiple insurance product information to obtain multiple converted insurance product information, so that the information format of the multiple insurance product information is consistent; and storing the multiple converted insurance product information in a data storage module.

[0104] The aforementioned multiple insurance systems may include: systems for providing different travel insurance products, such as systems of insurance providers, and the multiple insurance systems include a target insurance system.

[0105] In this embodiment, before receiving the processing request message of the target insurance product and verifying whether the processing request message meets the target message standard, and obtaining the verification result, multiple insurance systems can also send insurance product information to obtain multiple insurance product information. In order to facilitate unified processing of insurance product information of multiple insurance systems, the information format of multiple insurance product information can be converted to make the information format of multiple insurance product information consistent, and the converted multiple insurance product information can be stored in the data storage module.

[0106] For example, insurance product information is obtained from various insurance providers' systems and formatted to a unified standard. This unified product information may include the insurance product ID, insurance product name, insurance product code, product price, product coverage, provider information, product details, and purchase restrictions. Before unification, Insurance Company 1's product information includes username, password, insurance product name, insurance product code, agreement product ID, agreement product name, insurance company name, insurance company code, office code, office name, premium, coverage, policy term, and IATA. Insurance Company 2's product information includes product name, policy term, product code, plan code, insurance liability, coverage, premium, and handling fee. This module is a prerequisite for the data query and order processing modules, facilitating the provision of unified NDC-based insurance services.

[0107] Optionally, after sending the target processing message to the target insurance system to process the insurance business involved in the processing request message, it also includes: receiving the processing result message returned by the target insurance system; parsing the processing result message to obtain a parsed processing result message; encapsulating the parsed processing result message into a message that meets the target message standard to obtain a target processing result message, and returning the target processing result message to the system that sent the processing request message.

[0108] In this embodiment, the processing result message returned by the target insurance system can be received, and the processing result message can be parsed to obtain the parsed processing result message, the parsed processing result message can be encapsulated into a message that meets the target message standard to obtain the target processing result message, and the target processing result message can be returned to the system that sent the processing request message, thereby achieving the effect of unified processing of messages of different formats from different suppliers.

[0109] Optionally, the processing of insurance products also includes: receiving a query request message, wherein the query request message includes: product information for requesting to query the air travel insurance product; when the query request message meets the target message standard, based on the query conditions carried in the query request message, performing information query in the data storage module, obtaining the query results, and returning the query results to the system that sent the query request message.

[0110] For example, when an insurance product query message based on the NDC standard (corresponding to a query request message) is received, the corresponding insurance product information can be returned to facilitate the comparison of various travel insurance products by air travel service providers or users. The returned result information may include information such as insurance product ID, insurance product name, product price, purchase restrictions, supplier information, and product details. The command of this service is InsuranceShopping, and the command content is PlanType. Different product types can be passed to filter product information. Product types include: flight accident insurance, flight delay insurance, combination insurance, hotel cancellation insurance, train insurance, luggage insurance, and ticket refund insurance, etc. All product information can also be queried. The data returned by the data query module has been stored in its own database. There is no need to interact with each supplier during the query process, which can improve query efficiency.

[0111] The content of the product query request is shown in Table 12:

[0112] Table 12

[0113]

[0114] The product query response content is shown in Table 13:

[0115] Table 13

[0116] Field Name Field Description …… Product... Information …… Warranty period …… Premium Information …… Sum Insured …… Insurance coverage type …… …… …… Effective Information …… Supplier Number …… Supplier Name …… Payment Type …… Invoice Type

[0117] Optionally, when the verification result indicates that the processing request message does not meet the target message standard, or when the detection result indicates that the processing request message does not meet the preset processing conditions, a request failure message is generated, wherein the request failure message is used to indicate that the insurance business processing involved in the processing request message has failed; the request failure message is returned to the system that initiated the processing request message.

[0118] In this embodiment, when the verification result indicates that the processing request message does not meet the target message standard, or when the detection result indicates that the processing request message does not meet the preset processing conditions, a request failure message can be generated to indicate that the insurance business processing involved in the processing request message has failed, and the processing request message can also be accompanied by some reasons for the processing failure, such as failure to meet the corresponding insurance business processing conditions, the message format does not meet the requirements, etc. Finally, the request failure message can also be returned to the system that initiated the processing request message.

[0119] In this embodiment, unified insurance distribution data standards and processes are established based on the NDC standard, ensuring data accuracy and consistency. Through data and process standardization, insurance product information from various insurance providers is uniformly formatted, eliminating operational issues caused by information format differences, significantly improving data processing efficiency, and streamlining distributor workflows. This enables the rapid distribution and sales of insurance products. The data query module possesses excellent real-time processing capabilities, rapidly responding to inquiries from travel service providers such as airlines, travel platforms, and online travel agencies, and accurately providing information on eligible insurance products. This not only improves sales efficiency but also provides distributors with a more convenient insurance product selection and purchasing experience, enabling them to quickly adapt to market changes and demand for new insurance products, and improving the efficiency of insurance product data processing. Timely updates to data standards and sales platforms also ensure continued competitiveness in the insurance industry.

[0120] Example 2

[0121] The second embodiment of the present application provides a system for processing insurance products. The system for processing insurance products is used to execute the method for processing insurance products provided in the first embodiment of the present application.

[0122] Figure 2 is a schematic diagram of an optional insurance product processing system according to an embodiment of the present invention, such as Figure 2 As shown, it includes: an order processing module and a data storage module.

[0123] The order processing module is configured to receive a processing request message for a target insurance product, verify whether the processing request message meets a target message standard, and obtain a verification result. If the verification result indicates that the processing request message meets the target message standard, the module detects whether the processing request message satisfies a preset processing condition and obtains a detection result. If the detection result indicates that the processing request message meets the preset processing condition, the module generates a target processing message that meets an insurance company message standard, and sends the target processing message to a target insurance system to process the insurance business involved in the processing request message. The target insurance product includes an air travel insurance product. The processing request message is used to request processing of the insurance business for the target insurance product. The target message standard includes a new distribution capability message standard. The target processing message is used to request the target insurance system to process the insurance business involved in the processing request message. The insurance company message standard includes a message standard for messages that the target insurance system can process. The data storage module is configured to store insurance product information sent by multiple insurance systems. The multiple insurance systems include a system for providing different air travel insurance products. The multiple insurance systems include a target insurance system.

[0124] Optionally, the insurance product processing system also includes: a data integration module, used to receive insurance product information sent by multiple insurance systems, obtain multiple insurance product information, and convert the information format of the multiple insurance product information to obtain multiple insurance product information after conversion, so that the information format of the multiple insurance product information is consistent; a data query module, used to receive a query request message, and when the query request message meets the target message standard, based on the query conditions carried in the query request message, perform information query in the data storage module to obtain the query result, and return the query result to the system that initiated the query request message, wherein the query request message includes: product information for requesting to query the air travel insurance product.

[0125] Through the data integration module, numerous insurance company products are formatted into insurance product information that complies with the NDC standard. The data storage module stores standardized insurance product information in the computer system. The data query module provides a unified insurance product query, which allows users to compare prices and policies and select products that meet their needs. The order processing module implements order booking, cancellation, and query functions, and adapts to the supplier system to achieve real-time transmission of orders between systems. Figure 3 is a schematic diagram of the data flow of an optional insurance product processing system according to an embodiment of the present invention), such as Figure 3The following are shown: S1, connecting with the supplier system and obtaining product information (i.e., multiple insurance product information), converting to NDC data format, S2 insurance product information storage, S3, insurance product query, S4 insurance product insurance, S5, insurance order query, S6 insurance order cancellation, S7, order invoice application, S8, order invoice query (InsuranceInvoiceRetrieve). The functions of each module (such as Figure 4 : Figure 4 Schematic diagram of an optional module structure diagram according to an embodiment of the present invention) is as follows:

[0126] 1. Data integration module. The messages of each insurance company are different. This module is used to obtain insurance product information from various insurance suppliers and format the information into a unified NDC standard. Its main information includes insurance product ID, insurance product name, insurance product code, product price, product coverage, supplier information, product details and purchase restrictions. This module is a prerequisite for the data query module and order processing module, and facilitates the provision of unified insurance services based on the NDC standard (such as Figure 5 : Figure 5 is an optional service message conversion flow chart according to an embodiment of the present invention).

[0127] 2. Data Storage Module. This module is used to store insurance product information from the data integration module. This can be achieved by using databases, data warehouses, or cloud storage technologies to store insurance product information in a computer system for subsequent insurance product data queries and order processing.

[0128] 3. Data Query Module. This module uses NDC-based insurance product query messages to return corresponding insurance product information, enabling travel service providers or users to compare various travel insurance products. The returned information includes the insurance product ID, product name, price, coverage, purchase restrictions, supplier information, and product details. The service command is InsuranceShopping, and the command content is PlanType. You can filter product information by product type or query all insurance product information.

[0129] 4. Order processing module: This module includes insurance application, order inquiry, insurance cancellation, invoice application and invoice inquiry.

[0130] 4.1、Insurance Processing Procedures (such as Figure 6 : Figure 6This is an optional insurance application flow chart according to an embodiment of the present invention. Product information is obtained through the product query service. Users select appropriate insurance products by comparing information such as price and coverage, generating NDC-standardized insurance message information. The insurance aggregation platform parses the NDC-standard insurance application message and obtains the corresponding insurance company information from the data storage module. For example, insurance company 1 requires unique information such as product code, insurance company code, insurance type, and sales agency code; insurance company 2 requires information such as channel order number, product code, plan code, and policyholder's unique policy code; and insurance company 3 requires information such as account number, password, function identifier, partner channel interface identifier, and signature information. A detailed comparison of each insurance company is shown in Table 1, which clearly shows the content corresponding to the insurance application interface for different insurance companies. The message information is then verified based on the insurance information of each insurance company to check whether it meets the insurance conditions. If it does not meet the insurance conditions, an error message is assembled and returned to the front end. If it meets the insurance conditions, it is converted into the corresponding insurance company's proprietary message, and the insurance is applied for. The insurance company's return message is then parsed and converted into an NDC-standard message and returned to the user. The command for this service is InsuranceOrderCreate, and the command content includes product information, insurance period, flight information, insured person information, policyholder information, beneficiary information, and membership information.

[0131] 4.2、Order inquiry process (such as Figure 7 : Figure 7 This is an optional order query flow chart according to an embodiment of the present invention. When a user successfully or unsuccessfully applies for insurance, order information is generated for the insurance aggregation system. A successful policy issuance generates policy information. Users can query order information through this service. If the policy issuance is successful, they must also construct a query message to their respective insurance company to query the corresponding order and policy information. The service command is InsuranceOrderRetrieve, and its parameters include the order number and policy number. It supports multi-policy and multi-order queries.

[0132] 4.3、Refund process (such as Figure 8 : Figure 8 It is an optional cancellation flowchart according to an embodiment of the present invention). After the user successfully takes out the insurance, he can cancel the insurance through this service. First, the user sends a cancellation request, and the system will verify whether the cancellation request complies with the NDC standard, and then verify whether the order meets the cancellation conditions. If it does not meet the cancellation conditions (the cancellation conditions save the data in the system through the data integration module), the reason for non-compliance will be directly returned. If it meets the cancellation conditions, the corresponding insurance company's cancellation message will be constructed, and then the cancellation request will be made, the parsed return will be returned, and the NDC standard cancellation return message will be constructed. The instruction of this service is InsuranceOrderCancel, and its parameters include order number and policy number, supporting cancellation operations for one order number and multiple policy numbers.

[0133] 4.4、Invoice application process (such as Figure 9 : Figure 9 It is an optional invoice application flow chart according to an embodiment of the present invention). After the user successfully issues the insurance, the invoice can be obtained through this service. First, the invoice application request sent by the user is received, and the system verifies whether the invoice information complies with the NDC standard, and verifies whether the order information complies with the invoicing conditions. If it does not comply, the reason for not complying with the invoice will be directly returned. If it meets the invoicing conditions, the corresponding insurance company's invoice information will be constructed based on the order information and invoice application information, and the invoice application result returned by the insurance company will be parsed and assembled into invoice application return information that complies with the NDC standard. The instruction of this service is InsuranceInvoiceApplication, and its parameters include policy number, order number, invoice type, invoice header, invoice type, taxpayer identification number, email address and other information, and supports batch invoicing operations.

[0134] 4.5、Invoice inquiry process (such as Figure 10 : Figure 10 (This is an optional invoice query flow chart according to an embodiment of the present invention.) After a user successfully issues an invoice, they can use this service to query their invoice. The system first receives an invoice query request from the user. The system verifies that the invoice query information complies with the NDC standard and then returns the corresponding invoice information based on the query criteria. The service command is InsuranceInvoiceRetrieve, which takes the policy number as a parameter. The corresponding invoice information can be retrieved based on the policy number.

[0135] In this embodiment, unified insurance distribution data standards and processes are established based on the NDC standard, ensuring data accuracy and consistency. Through data and process standardization, insurance product information from various insurance providers is uniformly formatted, eliminating operational issues caused by information format differences, significantly improving data processing efficiency, and streamlining distributor workflows. This enables the rapid distribution and sales of insurance products. The data query module possesses excellent real-time processing capabilities, rapidly responding to inquiries from travel service providers such as airlines, travel platforms, and online travel agencies, and accurately providing information on eligible insurance products. This not only improves sales efficiency but also provides distributors with a more convenient insurance product selection and purchasing experience, enabling them to quickly adapt to market changes and demand for new insurance products, and improving the efficiency of insurance product data processing. Timely updates to data standards and sales platforms also ensure continued competitiveness in the insurance industry.

[0136] Example 3

[0137] The third embodiment of the present invention provides an optional insurance product processing device, wherein each implementation unit in the processing device corresponds to each implementation step in the first embodiment.

[0138] Figure 11 is a schematic diagram of an optional insurance product processing device according to an embodiment of the present invention, such as Figure 11 As shown, the insurance product processing device includes: a first receiving unit 111, a detecting unit 112, a generating unit 113 and a sending unit 114.

[0139] The first receiving unit 111 receives a processing request message for a target insurance product, verifies whether the processing request message meets a target message standard, and obtains a verification result. The target insurance product includes an air travel insurance product. The processing request message is used to request processing of insurance business for the target insurance product. The target message standard includes a new distribution capability standard.

[0140] The detection unit 112 is configured to detect whether the processing request message meets a preset processing condition and obtain a detection result when the verification result indicates that the processing request message meets the target message standard;

[0141] The generating unit 113 is configured to generate a target processing message that meets an insurance company message standard if the detection result indicates that the processing request message satisfies a preset processing condition, wherein the target processing message is used to request the target insurance system to process the insurance business involved in the processing request message, and the insurance company message standard includes a standard for messages that the target insurance system can process;

[0142] The sending unit 114 is configured to send the target processing message to the target insurance system so as to process the insurance business involved in the processing request message.

[0143] In the insurance product processing device provided in Example 3 of the present application, a first receiving unit 111 can be used to receive a processing request message for a target insurance product, verify whether the processing request message meets the target message standard, and obtain a verification result, wherein the target insurance product includes: an air travel insurance product, and the processing request message is used to request processing of the insurance business of the target insurance product, and the target message standard includes: a new distribution capability standard; a detection unit 112 is used to detect whether the processing request message meets the preset processing conditions when the verification result indicates that the processing request message meets the target message standard, and obtain a detection result; a generation unit 113 is used to generate a target processing message that meets the insurance company message standard when the detection result indicates that the processing request message meets the preset processing conditions, wherein the target processing message is used to request the target insurance system to process the insurance business involved in the processing request message, and the insurance company message standard includes: a standard for messages that the target insurance system can process; a sending unit 114 is used to send the target processing message to the target insurance system to process the insurance business involved in the processing request message. This solves the technical problem in related technologies that different travel insurance supplier systems use different data formats, making it difficult to uniformly process insurance products from different insurance suppliers.

[0144] In this embodiment, insurance products are uniformly processed through the new distribution capability standard, avoiding the situation in related technologies where different air travel insurance supplier systems use different data formats that are difficult to uniformly process, affecting the processing efficiency of air travel insurance business, thereby achieving the technical effect of unified aggregation processing of insurance business processing requests from different air travel insurance suppliers.

[0145] Optionally, in the insurance product processing device provided in Example 3 of the present application, the detection unit includes: a parsing subunit, used to parse the processing request message, obtain the parsing result, and extract the product identification of the target insurance product from the parsing result; an acquisition subunit, used to obtain preset processing conditions in the data storage module based on the product identification of the target insurance product, wherein the data storage module is used to store information of multiple insurance products; a determination subunit, used to determine whether the processing request message meets the preset processing conditions based on the parsing result, and obtain the detection result.

[0146] Optionally, in the insurance product processing device provided in Example 3 of the present application, the insurance business involved in the processing request message includes at least one of the following: an insurance business for insuring the target insurance product, an order query business for querying the order of the target insurance product, a cancellation business for cancelling the insurance of the target insurance product, an invoice application business for applying for the invoice of the target insurance product, and an invoice query business for querying the invoice of the target insurance product; the preset processing conditions include at least one of the following: an insurance condition for insuring the target insurance product, an order query condition for querying the order of the target insurance product, a cancellation condition for cancelling the insurance of the target insurance product, an invoice application condition for applying for the invoice of the target insurance product, and an invoice query condition for querying the invoice of the target insurance product.

[0147] Optionally, in the insurance product processing device provided in Example 3 of the present application, the insurance product processing device also includes: a second receiving unit, used to process the request message, verify whether the processing request message meets the target message standard, and before obtaining the verification result, receive insurance product information sent by multiple insurance systems to obtain multiple insurance product information, wherein the multiple insurance systems include: a system for providing different air travel insurance products, and the multiple insurance systems include a target insurance system; a conversion unit, used to convert the information format of the multiple insurance product information to obtain the converted multiple insurance product information, so that the information format of the multiple insurance product information is consistent; a storage unit, used to store the converted multiple insurance product information in a data storage module.

[0148] Optionally, in the insurance product processing device provided in Example 3 of the present application, the insurance product processing device also includes: a third receiving unit, used to receive the processing result message returned by the target insurance system after sending the target processing message to the target insurance system to process the insurance business involved in the processing request message; a parsing unit, used to parse the processing result message to obtain a parsed processing result message; an encapsulation unit, used to encapsulate the parsed processing result message into a message that meets the target message standard, obtain the target processing result message, and return the target processing result message to the system that sent the processing request message.

[0149] Optionally, in the insurance product processing device provided in Example 3 of the present application, the insurance product processing device also includes: a fourth receiving unit, used to receive a query request message, wherein the query request message includes: a request for querying product information of the air travel insurance product; a query unit, used to perform information query in the data storage module based on the query conditions carried in the query request message when the query request message meets the target message standard, obtain the query result, and return the query result to the system that sent the query request message.

[0150] Optionally, in the insurance product processing device provided in Example 3 of the present application, the insurance product processing device also includes: a message generation unit, used to generate a request failure message when the verification result indicates that the processing request message does not meet the target message standard, or when the detection result indicates that the processing request message does not meet the preset processing conditions, wherein the request failure message is used to indicate that the insurance business processing involved in the processing request message has failed; and a return unit, used to return the request failure message to the system that initiated the processing request message.

[0151] The processing device of the above-mentioned insurance product may also include a processor and a memory. The above-mentioned first receiving unit 111, detection unit 112, generation unit 113 and sending unit 114 are all stored in the memory as program units, and the processor executes the above-mentioned program units stored in the memory to realize the corresponding functions.

[0152] The processor includes a core that retrieves the corresponding program unit from memory. One or more cores can be configured, and by adjusting core parameters, insurance products can be uniformly processed according to the new distribution capability standard. This avoids the problem in related art where different airline insurance providers' systems use different data formats, making unified processing difficult and impacting airline insurance business processing efficiency. This achieves the technical effect of unified and aggregated processing of insurance business processing requests from different airline insurance providers. This solves the technical problem in related art where different airline insurance providers' systems use different data formats, making unified processing of insurance products from different providers difficult.

[0153] 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.

[0154] According to another aspect of an embodiment of the present invention, an electronic device is provided, comprising: a processor; and a memory for storing executable instructions of the processor; wherein the processor is configured to execute any one of the above-mentioned insurance product processing methods by executing the executable instructions.

[0155] According to another aspect of an embodiment of the present invention, a computer-readable storage medium is provided, which stores a computer program, wherein when the computer program runs, the device where the computer-readable storage medium is located is controlled to execute any one of the above-mentioned insurance product processing methods.

[0156] Figure 12 is a schematic diagram of an electronic device according to an embodiment of the present invention, such as Figure 12As shown, an embodiment of the present invention provides an electronic device 120, which includes a processor, a memory, and a program stored in the memory and executable on the processor. When the processor executes the program, any one of the above-mentioned insurance product processing methods is implemented.

[0157] 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.

[0158] 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.

[0159] 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.

[0160] 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.

[0161] 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.

[0162] 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.

[0163] 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. A method for processing insurance products, characterized in that: include: receiving a processing request message for a target insurance product, verifying whether the processing request message meets a target message standard, and obtaining a verification result, wherein the target insurance product includes an air travel insurance product, the processing request message is used to request processing of insurance business for the target insurance product, and the target message standard includes a new distribution capability standard; If the verification result indicates that the processing request message meets the target message standard, detecting whether the processing request message meets the preset processing condition and obtaining a detection result; If the detection result indicates that the processing request message satisfies the preset processing condition, generating a target processing message that meets an insurance company message standard, wherein the target processing message is used to request a target insurance system to process the insurance business involved in the processing request message, and the insurance company message standard includes: a standard for messages that can be processed by the target insurance system; The target processing message is sent to the target insurance system to process the insurance business involved in the processing request message.

2. The processing method according to claim 1, characterized in that Detecting whether the processing request message meets the preset processing conditions and obtaining a detection result includes: Parsing the processing request message to obtain a parsing result, and extracting the product identifier of the target insurance product from the parsing result; Based on the product identifier of the target insurance product, obtaining the preset processing condition in a data storage module, wherein the data storage module is used to store information of multiple insurance products; Based on the analysis result, it is determined whether the processing request message meets the preset processing condition to obtain a detection result.

3. The processing method according to claim 1, characterized in that The insurance business involved in the processing request message includes at least one of the following: an insurance business for insuring the target insurance product, an order query business for querying orders for the target insurance product, a cancellation business for canceling the insurance of the target insurance product, an invoice application business for applying for an invoice for the target insurance product, and an invoice query business for querying invoices for the target insurance product; The preset processing conditions include at least one of the following: insurance conditions for insuring the target insurance product, order query conditions for querying orders for the target insurance product, cancellation conditions for canceling the insurance of the target insurance product, invoice application conditions for applying for an invoice for the target insurance product, and invoice query conditions for querying invoices for the target insurance product.

4. The processing method according to claim 2, characterized in that Before receiving a processing request message for a target insurance product and verifying whether the processing request message meets the target message standard and obtaining a verification result, the method further includes: Receiving insurance product information sent by multiple insurance systems to obtain multiple insurance product information, wherein the multiple insurance systems include: systems for providing different air travel insurance products, and the multiple insurance systems include the target insurance system; Performing format conversion on the information formats of the plurality of insurance product information to obtain converted information of the plurality of insurance product information so that the information formats of the plurality of insurance product information are consistent; The converted multiple insurance product information is stored in the data storage module.

5. The processing method according to claim 1, characterized in that After sending the target processing message to the target insurance system to process the insurance business involved in the processing request message, the method further includes: receiving a processing result message returned by the target insurance system; Parsing the processing result message to obtain a parsed processing result message; The parsed processing result message is encapsulated into a message that meets the target message standard to obtain a target processing result message, and the target processing result message is returned to the system that sent the processing request message.

6. The processing method according to claim 2, characterized in that The method further comprises: Receive a query request message, wherein the query request message includes: a message for requesting product information of an air travel insurance product; When the query request message meets the target message standard, information query is performed on the data storage module based on the query conditions carried in the query request message to obtain a query result, and the query result is returned to the system that sent the query request message.

7. The processing method according to claim 1, characterized in that If the verification result indicates that the processing request message does not meet the target message standard, or if the detection result indicates that the processing request message does not meet the preset processing condition, a request failure message is generated, wherein the request failure message is used to indicate that the insurance business processing involved in the processing request message has failed; The request failure message is returned to the system that initiated the processing request message.

8. A system for processing insurance products, characterized in that: The insurance product processing system is used to execute the insurance product processing method according to any one of claims 1 to 7, comprising: An order processing module is configured to receive a processing request message for a target insurance product, verify whether the processing request message meets a target message standard, obtain a verification result, and if the verification result indicates that the processing request message meets the target message standard, detect whether the processing request message satisfies a preset processing condition, obtain a detection result, and if the detection result indicates that the processing request message meets the preset processing condition, generate a target processing message that meets an insurance company message standard, and send the target processing message to a target insurance system to process the insurance business involved in the processing request message, wherein the target insurance product includes an air travel insurance product, the processing request message is used to request processing of the insurance business of the target insurance product, the target message standard includes a new distribution capability message standard, and the target processing message is used to request the target insurance system to process the insurance business involved in the processing request message, wherein the insurance company message standard includes a message standard for messages that can be processed by the target insurance system; The data storage module is used to store insurance product information sent by multiple insurance systems, wherein the multiple insurance systems include: a system for providing different air travel insurance products, and the multiple insurance systems include the target insurance system.

9. The processing system according to claim 8, characterized in that The insurance product processing system further includes: a data integration module, configured to receive the insurance product information sent by the plurality of insurance systems, obtain the plurality of insurance product information, and convert the information formats of the plurality of insurance product information to obtain the converted plurality of insurance product information, so that the information formats of the plurality of insurance product information are consistent; A data query module is used to receive a query request message. When the query request message meets the target message standard, the module performs an information query on the data storage module based on the query conditions carried in the query request message to obtain a query result, and returns the query result to the system that initiated the query request message, wherein the query request message includes: information for requesting to query product information of the travel insurance product.

10. An electronic device, characterized in that: It includes 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 insurance product processing method described in any one of claims 1 to 7.

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