Insurance policy data processing method and device, electronic equipment and medium

Abstract

The invention discloses an insurance policy data processing method and device, electronic equipment and a medium, and the method comprises the steps: receiving an insurance policy change request from a user terminal, and obtaining a group insurance policy identifier and insured person change data in the insurance policy change request; obtaining a to-be-changed group insurance policy corresponding to the group insurance policy identifier from a preset group insurance policy library; inputting the insured person change data and the insurance policy data of the to-be-changed group insurance policy into a corresponding preset rate calculation model, and generating an insurance policy change amount of the to-be-changed group insurance policy; generating a first insurance policy interaction page based on the insurance policy change amount, and sending the first insurance policy interaction page to the user terminal; and in response to a change confirmation instruction triggered and generated by the user terminal based on the first insurance policy interaction page, updating a to-be-changed group insurance policy in a preset group insurance policy library. The method can be applied to the business fields of financial science and technology, medical health, old-age care and the like, and improves the insurance policy data processing efficiency and accuracy of group insurance policies through a dynamic rate calculation model and a multi-interaction mode.

Description

Technical Field

[0001] This invention relates to the field of data processing technology, and in particular to a method, apparatus, electronic device, and medium for processing insurance policy data. Background Technology

[0002] Group insurance refers to insurance that provides coverage for many insured persons under a single policy (such as family insurance), and it is an important type of insurance.

[0003] In actual insurance application processes, withdrawals and cancellations are inevitable due to various reasons. Since group policies involve multiple insured individuals, if one or more insured individuals withdraw their applications or cancel their policies, the group insurance premium rate needs to be dynamically adjusted until the insurer confirms the revised group policy.

[0004] Currently, when group insurance policies are modified, manual intervention is often required to recalculate and notify the insurer. This process is inefficient and inaccurate, failing to provide users with fast and accurate group insurance policy services. Therefore, improving the processing efficiency and accuracy of group insurance policies has become a pressing technical problem that needs to be solved. Summary of the Invention

[0005] This invention provides a policy data processing method, apparatus, electronic device, and medium to alleviate the technical problem of low processing efficiency and accuracy when changes occur in current group insurance policies.

[0006] Firstly, a method for processing insurance policy data is provided, characterized by comprising:

[0007] Receive a policy change request from a user terminal and obtain the group policy identifier and insured change data from the policy change request;

[0008] Retrieve the group policy to be changed corresponding to the group policy identifier from the preset group policy database;

[0009] Input the insured's change data and the policy data of the group policy to be changed into the corresponding preset rate calculation model to generate the policy change amount of the group policy to be changed.

[0010] A first policy interaction page is generated based on the policy change amount and sent to the user terminal;

[0011] In response to the change confirmation instruction generated by the user terminal based on the first policy interaction page, the group policy to be changed in the preset group policy database is updated.

[0012] Secondly, a policy data processing device is provided, characterized in that it includes:

[0013] The receiving module is used to receive policy change requests from user terminals and obtain the group policy identifier and insured change data in the policy change request.

[0014] The acquisition module is used to acquire the group insurance policy to be changed corresponding to the group insurance policy identifier from the preset group insurance policy database;

[0015] The calculation module is used to input the insured's change data and the policy data of the group policy to be changed into the corresponding preset rate calculation model to generate the policy change amount of the group policy to be changed.

[0016] An interaction module is used to generate a first policy interaction page based on the policy change amount and send it to the user terminal;

[0017] The update module is used to update the group insurance policy to be changed in the preset group insurance policy database in response to the change confirmation instruction generated by the user terminal based on the first policy interaction page.

[0018] Thirdly, a computer device is provided, including a memory, a processor, and a computer program stored in the memory and executable on the processor, characterized in that the processor, when executing the computer program, implements the steps of the policy data processing method as described in any of the preceding claims.

[0019] Fourthly, a computer-readable storage medium is provided, the computer-readable storage medium storing a computer program, characterized in that, when the computer program is executed by a processor, it implements the steps of the policy data processing method as described in any of the preceding claims.

[0020] In the above-mentioned policy data processing method, device, electronic equipment, and medium, the system receives a policy change request from a user terminal, obtains the corresponding group policy identifier to be changed and the insured's change data, then obtains the policy data of the corresponding group policy to be changed through the group policy identifier, inputs the policy data and the insured's change data into the corresponding preset rate calculation model to obtain the amount of the group policy to be changed, sends the policy change amount to the user terminal in the form of an interactive page for display, and then updates the group policy to be changed according to the change confirmation instruction generated by the user terminal based on the interactive page. This achieves real-time updates of group policies without the need for manual intervention in calculating the insurance amount and notifying the insurer of changes, improving the processing efficiency and accuracy of group policies, and thus enhancing the user experience. Attached Figure Description

[0021] To more clearly illustrate the technical solutions of the embodiments of the present invention, the drawings used in the description of the embodiments of the present invention will be briefly introduced below. Obviously, the drawings described below are only some embodiments of the present invention. For those skilled in the art, other drawings can be obtained based on these drawings without creative effort.

[0022] Figure 1 This is a schematic diagram of an application environment for a policy data processing method according to an embodiment of the present invention;

[0023] Figure 2 This is a flowchart illustrating a policy data processing method according to an embodiment of the present invention;

[0024] Figure 3 yes Figure 2 A schematic diagram of a specific implementation method for step S10;

[0025] Figure 4 This is a schematic diagram of a group policy viewing page in one embodiment of the present invention;

[0026] Figure 5 This is a schematic diagram of the second policy interaction page in one embodiment of the present invention;

[0027] Figure 6 yes Figure 2 A schematic diagram of a specific implementation method for step S30;

[0028] Figure 7 This is another flowchart illustrating the policy data processing method in one embodiment of the present invention;

[0029] Figure 8 This is a schematic diagram of a first policy interaction page in one embodiment of the present invention;

[0030] Figure 9 This is a schematic diagram of another page of the first policy interaction page in one embodiment of the present invention;

[0031] Figure 10 yes Figure 2 A schematic diagram of a specific implementation method for step S50;

[0032] Figure 11 This is another flowchart illustrating the policy data processing method in one embodiment of the present invention;

[0033] Figure 12 This is a schematic diagram of a policy data processing device according to an embodiment of the present invention;

[0034] Figure 13 This is a schematic diagram of the structure of a computer device according to an embodiment of the present invention;

[0035] Figure 14 This is another structural schematic diagram of a computer device according to one embodiment of the present invention. Detailed Implementation

[0036] The technical solutions of the embodiments of the present invention will be clearly and completely described below with reference to the accompanying drawings. Obviously, the described embodiments are only some, not all, of the embodiments of the present invention. Based on the embodiments of the present invention, all other embodiments obtained by those skilled in the art without creative effort are within the scope of protection of the present invention.

[0037] The policy data processing method provided in this embodiment of the invention can be applied to, for example... Figure 1 In this application environment, the user terminal communicates with the server via a network. The server can receive policy change requests from the user terminal, obtain the group policy identifier and insured change data from the policy change request; retrieve the group policy to be changed corresponding to the group policy identifier from the preset group policy database; input the insured change data and the policy data of the group policy to be changed into the corresponding preset rate calculation model to generate the policy change amount of the group policy to be changed; generate a first policy interaction page based on the policy change amount and send it to the user terminal; and update the group policy to be changed in the preset group policy database in response to the change confirmation instruction triggered by the user terminal based on the first policy interaction page.

[0038] In this invention, for group insurance policies in insurance business, the system receives a policy change request sent by a user terminal, obtains the corresponding group policy identifier to be changed and the insured's change data, then obtains the policy data of the corresponding group policy to be changed through the group policy identifier, inputs the policy data and the insured's change data into the corresponding preset rate calculation model to obtain the amount of the group policy to be changed, and sends the policy change amount to the user terminal in the form of an interactive page for display to the user. Then, according to the change confirmation instruction generated by the user terminal based on the interactive page, the group policy to be changed is updated, thereby realizing real-time updates of group policies without manual intervention in calculating the insurance amount and notifying the insurer of changes, improving the processing efficiency and accuracy of group policies, and thus improving the user experience.

[0039] The user terminal can be, but is not limited to, various personal computers, laptops, smartphones, tablets, and portable wearable devices. The server can be implemented using a standalone server or a server cluster consisting of multiple servers. The invention will now be described in detail through specific embodiments.

[0040] The policy data processing method, apparatus, electronic device, and medium provided in the embodiments of the present invention relate to the field of data processing technology and can be applied to medical, financial, and other application scenarios.

[0041] Please see Figure 2 As shown, Figure 2 A flowchart illustrating a policy data processing method provided in an embodiment of the present invention includes the following steps:

[0042] S10: Receive a policy change request from the user terminal and obtain the group policy identifier and insured change data from the policy change request.

[0043] The group policy identifier is used to identify a specific group policy. In other words, there is a one-to-one correspondence between the group policy identifier and the group policy; the unique group policy can be identified through the group policy identifier. For example, the group policy identifier for group policy 1 is A001, the group policy identifier for group policy 2 is A002, and the group policy identifier for group policy 3 is A002. It is understood that the group policy identifier in this embodiment can be written according to actual circumstances, and no specific limitations are made here.

[0044] The aforementioned insured change data includes: the number of people affected and the type of change. The number of people affected indicates the number of people affected in this group policy change; for example, group policy A001 has 2 people affected, and group policy A002 has 1 person affected. The type of change must include at least one of the following: insurance application, insurance withdrawal, or insurance cancellation. For example, group policy A003 has a cancellation as the change type.

[0045] Understandably, insurance application refers to the process by which the policyholder and the insurer (usually an insurance company) enter into an insurance contract and pay premiums according to the contract. Insurance withdrawal refers to the process by which the policyholder applies to cancel the contract and requests its termination. Insurance cancellation refers to canceling the insurance policy; that is, after the insurance contract is signed, both parties can terminate the contract through agreement or in accordance with national laws.

[0046] In this embodiment of the invention, the server receives a policy change request from a user terminal to obtain the group policy identifier and insured change data from the policy change request. For example, Figure 3 As shown, step S10, which involves receiving a policy change request from the user terminal and obtaining the group policy identifier and insured change data from the policy change request, includes the following steps:

[0047] S11: Receive a policy change request from the user terminal, generate a second policy interaction page based on the policy change request, and send it to the user terminal.

[0048] The aforementioned second policy interaction page includes at least: a change type control and a change number control. The change type control is used to fill in or select the change type for the group policy, and the change number control is used to fill in or select the change number for the group policy.

[0049] For example, the user terminal displays a group policy viewing page on the user interface based on a user's triggered action, where the group policy viewing page is as follows: Figure 4 As shown, the group policy viewing page displays the name or identifier of the group policy purchased by the policyholder. Each group policy is associated with a corresponding change control, such as... Figure 4 As shown, Group Policy 1 corresponds to Change Control 1, and Group Policy 2 corresponds to Change Control 2. When a change control is triggered, the user is directed to the second policy interaction page for the corresponding group policy, for example... Figure 4 The change control 1 for group policy 1 is triggered, leading to the second policy interaction page for group policy 1. For example... Figure 5 As shown, the second policy interaction page includes at least a change type control and a change number control. The change type control is used to fill in or select the change type of group policy 1; the change number control is used to fill in or select the change number of the group policy 1.

[0050] S12, receive a protection change request from the user terminal, parse the policy change request, and obtain the group policy identifier and the insured change data in the policy change request.

[0051] Among them, the policy change request is generated by the user terminal based on the change type control and the number of change personnel control.

[0052] In this embodiment of the invention, the user terminal obtains the change type and change data based on the triggering operation of the change type control and change number control in the second policy interaction page, and generates a policy change request based on the change type and change number, sending it to the user terminal. Subsequently, the user terminal parses the received policy change request to obtain the group policy identifier and insured change data in the policy change request.

[0053] It is understood that the specific implementation method for generating policy change requests based on change type and number of changes in this embodiment of the invention is not specifically limited. The server can parse the policy change request using the appropriate parsing method after receiving it. For example, by sorting the request in the order of Random Code 1 + Change Type Code + Random Code 2 + Number of Changes, the server can parse out the corresponding change type and number of changes according to the sorting rules. The Random Code can be randomly generated according to the corresponding rules, and the Change Type Code can be used to represent a unique change type.

[0054] To ensure data transmission security, in this invention, the user terminal can encrypt the policy change request and send the encrypted request to the server. Upon receiving the request, the server first decrypts it and then parses it to obtain the corresponding group policy identifier and the insured's change data. Encryption can employ symmetric encryption, asymmetric encryption, or other encryption methods; no specific limitation is made in this embodiment.

[0055] In this embodiment of the invention, the server receives a policy change request sent by the user terminal, generates a second policy interaction page based on the policy change request, and sends it to the user terminal. The user triggers an operation on the second policy interaction page displayed on the user terminal to generate a policy change request and send it to the server. The server can then obtain the insured's change data based on the policy change request. Compared with manual methods, the method provided in this embodiment can further improve the data processing efficiency and accuracy during policy changes.

[0056] S20: Retrieve the group policy to be changed corresponding to the group policy identifier from the preset group policy database.

[0057] In this embodiment of the invention, a one-to-one group policy identifier can be generated for each group policy in advance, and an association relationship between the group policy and the corresponding group policy identifier can be generated. The group policy, the corresponding group policy identifier, and their association relationship are stored in a preset database, thus obtaining a preset group policy database. For example, in the preset group policy database A, group policy 1 is A001, group policy 2 is A002, and group policy 3 is A003.

[0058] The group policy identifier obtained in step S20 can be queried in the preset group policy database to determine the group policy corresponding to the group policy identifier. For ease of distinction, in this embodiment of the invention, the group policy corresponding to the group policy identifier in the policy change request is referred to as the group policy to be changed. For example, in the preset group policy database A, if the group policy identifier in the policy change request obtained in step S20 is A001, then by querying the preset group policy database A, the group policy to be changed can be found to be group policy 1.

[0059] It is understood that all policies in the preset group policy database in this embodiment of the invention are group policies. In practice, if the policy identifiers of other policies besides group policies do not overlap with the policy identifiers of group policies, then the preset group policy database may contain other policies besides group policies. This is not specifically limited in this embodiment of the invention.

[0060] S30: Input the insured's change data and the policy data of the group policy to be changed into the corresponding preset rate calculation model to generate the policy change amount of the group policy to be changed.

[0061] The policy data mentioned above represents the data required to adjust rates when group policies are changed, such as the number of insured persons, the sum insured, and the premium. This data is obtained based on the data required by the rate calculation model. It is understood that different rate calculation models may require different data, and therefore the policy data will also differ; no specific limitations are provided here.

[0062] In this embodiment of the invention, the server first obtains the policy information of the group insurance policy to be modified. The policy information may include: contract subject information, including the policyholder (the person who pays the premium), the insured (the insured party), and the insurer (insurance company); coverage; insurance liability; insurance period; sum insured and premium; policyholder information; beneficiary information; claims records, etc. The policy information mentioned here can be stored in text form or in image form, without specific limitation.

[0063] The aforementioned preset premium rate calculation model is designed based on the policy type of the group insurance policy, and is not specifically limited in this embodiment of the invention. In this embodiment of the invention, the insured's change data and the policy data of the group insurance policy to be changed are used as input data and input into the preset premium rate calculation model, which calculates the new insurance premium rate. The policy change amount is determined by the new insurance premium rate, and the policy change amount mentioned here can be an increase or decrease.

[0064] Among them, such as Figure 6 As shown, in step 30, the insured's change data and the policy data of the group policy to be changed are input into the corresponding preset rate calculation model to generate the policy change amount of the group policy to be changed, including the following steps:

[0065] S31, based on the insured's change data, conduct a compliance check on the policy change of the group policy to be changed.

[0066] Pre-set compliance rules for policy changes. These rules may include: the number of policyholders changing policies must be less than a preset number, and the change type must conform to a preset type. The compliance rules are then determined by analyzing the number of policyholders changing policies and the change type data.

[0067] In this embodiment of the invention, the policy type of the group policy to be changed can be obtained first, the corresponding compliance rules can be determined according to the policy type, and the compliance check of the policy change of the group policy to be changed can be carried out through the insured change data and compliance rules.

[0068] For example, the compliance rules are as follows: If the number of people changing is less than 3, i.e., the preset number of people is 3; and the change type is either policy cancellation or policy application, with the preset types being policy cancellation and policy application; if the number of people changing in the insured's change data is 1 and the preset type is application withdrawal, then the compliance check will not pass. If the preset number of people is 3 and the preset types are policy cancellation and policy application, and the number of people changing in the insured's change data is 1 and the preset type is policy application, then the compliance check will pass.

[0069] Understandably, different types of group insurance policies can have corresponding compliance rules set in advance for compliance checks. These compliance rules can also be adjusted in a timely manner according to the actual situation, without being specifically limited.

[0070] S32, if the policy change request passes the compliance check, the insured's change data and the policy data of the group to be changed are input into the corresponding preset rate calculation model to generate the policy change amount for the group's policies.

[0071] S33. If the policy change request fails the compliance check, an alarm message is generated and sent to the user terminal.

[0072] The alarm message is used to notify users that the change to the group policy does not meet the requirements. The alarm message can display the reason for the non-compliance. For example, the compliance rules are: the number of people changing is less than 3 (the preset number is 3); the change type is policy cancellation or policy application (the preset types are policy cancellation and policy application); in this case, the number of people changing in the insured's change data is 1, and the preset type is application withdrawal. In this case, the compliance check fails. The alarm message includes: Result: Change not allowed; Reason: The current group policy does not allow withdrawal.

[0073] Among them, such as Figure 7 As shown, before step 30, which involves inputting the insured's change data and the policy data of the group policy to be changed into the corresponding preset rate calculation model to generate the policy change amount for the group policy to be changed, the following steps are also included:

[0074] S34: Obtain the policy type of the group policy to be changed.

[0075] Among them, the policy type is used to indicate the type of insurance for group policies, such as group life insurance policies, group health insurance policies, group accident insurance policies, group annuity policies, etc., without specific limitations.

[0076] S35. Based on the policy type and preset association, query the preset rate calculation model corresponding to the group policy to be changed from the preset model library.

[0077] The aforementioned preset model library pre-stores policy types, the preset rate calculation models corresponding to those policy types, and the relationships between those policy types and their corresponding preset rate calculation models. The preset relationships represent the connection between policy types and preset rate calculation models.

[0078] In this embodiment of the invention, the server, through the obtained policy type and preset association, queries a preset model library to obtain the preset rate calculation model corresponding to that policy type, which is the preset rate calculation model corresponding to the group policy to be changed. For example, if the policy type is a group annuity policy, and the preset rate calculation model for the group annuity policy retrieved from the preset model library is model D1, then D1 is the preset rate calculation model for group policy 1 to be changed.

[0079] In this embodiment of the invention, the policy type and its corresponding preset rate calculation model are set in advance. When the rate adjustment rules change during insurance changes, only the preset rate calculation model needs to be changed, without the need for insurance staff to perform manual calculations, which further improves the efficiency and accuracy of policy data processing to a certain extent.

[0080] Furthermore, step S31 can be executed first to perform a compliance check. After the compliance check is passed, steps S34 to S35 can be executed to obtain the corresponding preset rate calculation model, so as to further reduce the calculation cost and improve the efficiency of policy data, as shown below:

[0081] Based on the data on changes to the insured, a compliance check is performed on the policy change for the group policy to be changed.

[0082] If the policy change request passes the compliance check, obtain the policy type of the group policy to be changed;

[0083] Based on the policy type and preset association, query the preset rate calculation model corresponding to the group policy to be changed from the preset model library;

[0084] Input the insured's change data and the policy data of the group to be changed into the corresponding preset rate calculation model to generate the policy change amount for the group's policies;

[0085] If the policy change request fails the compliance check, an alarm message will be generated and sent to the user's terminal.

[0086] It is understood that the specific implementation method refers to the above embodiments. In the embodiments of the present invention, the corresponding preset rate calculation model can also be obtained first and then compliance checks can be performed.

[0087] S40: Generate the first policy interaction page based on the policy change amount and send it to the user's terminal.

[0088] The first policy interaction page includes: a component addition control and at least one change component. Each change component includes: a change type control and an insured information control. When the component addition control is triggered, a change component is added to the first policy interaction page.

[0089] In this embodiment of the invention, after receiving the policy change amount, the server generates a first policy interaction page based on the policy change amount. This first policy interaction page, in addition to the aforementioned component addition controls and change components, also includes an amount display area. This amount display area is used to display the policy change amount; that is, in addition to the policy change amount, the original policy amount can also be displayed. For example, the first policy interaction page is displayed on the user terminal as follows: Figure 8 As shown, the policy change amount is +200. The change type control is used to fill in or select the change type, and the insured information control is used to fill in the insured's information. After the added component is triggered, as shown... Figure 9 As shown, a change component is added. It is understood that the insured information mentioned here includes at least: the insured's name and ID number, and may also include the insured's address, gender, and age, etc., but is not specifically limited in this embodiment of the invention.

[0090] The first policy interaction page provided in this embodiment of the invention can realize batch modification of group policies. When the number of people to be changed in a group policy is greater than or equal to 2, multiple insured persons in the group policy can be modified simply by adding controls to the component. For large group policies, the efficiency of policy data processing is greatly improved, thus enhancing the user experience.

[0091] S50: In response to the change confirmation command generated by the user terminal based on the first policy interaction page, update the group policies to be changed in the preset group policy database.

[0092] In this embodiment of the invention, the user terminal receives the first policy interaction page and displays it to the user, for example, as shown in the image. Figure 8 As shown, the user triggers operations on controls in the first policy interaction page. For example, the user selects a change type in the change type control and fills in the insured's information in the insured's information control. The user terminal generates a change confirmation instruction based on the change type and the insured's information and sends it to the server. After receiving the change confirmation instruction, the server parses it to obtain the change type and the insured's information, and then updates the group policies to be changed in the preset group policy database according to the change type and the insured's information, resulting in the changed group policies.

[0093] Among them, such as Figure 10As shown, in step S50, in response to the change confirmation command generated by the user terminal based on the first policy interaction page, the group policies to be changed in the preset group policy database are updated, including the following steps:

[0094] S51: In response to the change confirmation command generated by the user terminal based on the first policy interaction page, check whether the payment for the group policy to be changed has been successfully completed.

[0095] Specifically, after receiving the change confirmation instruction, the server generates payment information and sends it to the user's terminal for display. For example, the payment information may include a payment QR code, which can be scanned to make the payment. The server monitors whether payment has been made to check if the group policy to be changed has been successfully paid.

[0096] S52: If the payment for the group policy to be changed is found to be successful, update the group policy to be changed in the preset group policy database according to the change confirmation instruction.

[0097] After the server finds that the payment for the group insurance policy to be changed has been successfully completed, it parses the change confirmation instruction to obtain the corresponding change type and insured information. Then, based on the change type and insured information, it updates the group insurance policies to be changed in the preset group insurance policy database to obtain the changed group insurance policies.

[0098] S53: If no successful payment is found for the group insurance policy to be changed, a payment reminder message will be generated based on the policy change amount and sent to the user terminal.

[0099] If the server cannot find a successful payment for the changed group insurance policy (i.e., payment failed or not paid), the server generates a payment reminder message based on the policy change amount and sends it to the user's terminal. This payment reminder message is used to prompt the user to make the payment.

[0100] In this embodiment of the invention, when updating the group insurance policies to be changed in the preset group insurance policy database, a payment verification is required. Only group insurance policies with successful payment can be updated, without manual intervention, which further improves the efficiency of policy changes and thus enhances the user experience.

[0101] Among them, such as Figure 11 As shown, after step S50 responds to the change confirmation command generated by the user terminal based on the first policy interaction page and updates the group policies to be changed in the preset group policy database, the policy data processing method provided in this embodiment of the invention further includes the following steps:

[0102] S61: Retrieve updated data for group policies pending changes.

[0103] The updated data mentioned above refers to the revised policy data in the policy information of the group insurance policy to be changed.

[0104] S62: Based on the updated data, generate the target group policy for the group policy to be changed.

[0105] S63: Send the target group's insurance policies to the user's terminal for display.

[0106] The updated data is displayed in the target group policy according to preset display rules. These preset display rules can be at least one of the following: magnified display, bold display, or preset color display, to highlight the updated data. For example, if an insured person is added to the updated data, that insured person's information will be displayed in red in the target group policy; conversely, if an insured person is deleted from the updated data, that insured person's information will be displayed in gray with a horizontal line.

[0107] In this embodiment of the invention, after updating the group insurance policies to be changed in the preset group insurance policy database, a target group insurance policy is generated. The target group insurance policy highlights the updated data of this policy change, so that users can intuitively understand the status of this group insurance policy change and further improve the user experience.

[0108] An embodiment of the present invention provides a policy data processing method comprising: receiving a policy change request from a user terminal; obtaining a group policy identifier and insured change data from the policy change request; obtaining the group policy to be changed corresponding to the group policy identifier from a preset group policy database; inputting the insured change data and the policy data of the group policy to be changed into a corresponding preset rate calculation model to generate a policy change amount for the group policy to be changed; generating a first policy interaction page based on the policy change amount and sending it to the user terminal; and updating the group policy to be changed in the preset group policy database in response to a change confirmation instruction triggered by the user terminal based on the first policy interaction page.

[0109] As can be seen, in the above solution, for group insurance in insurance business, the system receives a policy change request from the user terminal, obtains the corresponding group policy identifier to be changed and the insured's change data, then obtains the policy data of the corresponding group policy to be changed through the group policy identifier, inputs the policy data and the insured's change data into the corresponding preset rate calculation model to obtain the amount of the group policy to be changed, and sends the policy change amount to the user terminal in the form of an interactive page for display to the user. Then, based on the change confirmation instruction generated by the user terminal based on the interactive page, the group policy to be changed is updated, thereby realizing real-time updates of group policies without manual intervention in calculating the insurance amount and notifying the insurer of changes, improving the processing efficiency and accuracy of group policies, and thus improving the user experience.

[0110] It should be understood that the sequence number of each step in the above embodiments does not imply the order of execution. The execution order of each process should be determined by its function and internal logic, and should not constitute any limitation on the implementation process of the embodiments of the present invention.

[0111] In one embodiment, a policy data processing apparatus is provided, which corresponds one-to-one with the policy data processing methods described in the above embodiments. For example... Figure 12 As shown, the policy data processing device includes a receiving module 101, an acquisition module 102, a calculation module 103, an interaction module 104, and an update module 105. Detailed descriptions of each functional module are as follows:

[0112] The receiving module 101 is used to receive a policy change request from a user terminal and obtain the group policy identifier and insured change data in the policy change request.

[0113] The acquisition module 102 is used to acquire the group insurance policy to be changed corresponding to the group insurance policy identifier from the preset group insurance policy database;

[0114] The calculation module 103 is used to input the insured change data and the policy data of the group policy to be changed into the corresponding preset rate calculation model to generate the policy change amount of the group policy to be changed.

[0115] The interaction module 104 is used to generate a first policy interaction page based on the policy change amount and send it to the user terminal.

[0116] Update module 105 is used to update the group insurance policy to be changed in the preset group insurance policy database in response to the change confirmation instruction generated by the user terminal based on the first policy interaction page.

[0117] In one embodiment, the receiving module 101 is specifically used for:

[0118] Receive a policy change request from the user terminal, generate a second policy interaction page based on the policy change request, and send it to the user terminal;

[0119] The second policy interaction page includes at least: a change type control and a change number of people control;

[0120] Receive a policy change request from the user terminal, parse the policy change request, and obtain the group policy identifier and the insured change data in the policy change request;

[0121] The policy change request is generated by the user terminal based on the change type control and the number of change participants control, which are triggered by the change type control and the number of change participants control.

[0122] In one embodiment, the first policy interaction page includes: a component addition control and at least one change component; the change component includes: a change type control and an insured information control;

[0123] When the component addition control is triggered, the first policy interaction page adds the change component.

[0124] In one embodiment, the update module 105 is specifically used for:

[0125] In response to the change confirmation instruction generated by the user terminal based on the first policy interaction page, query whether the group policy to be changed has been successfully paid;

[0126] If the payment for the group policy to be changed is found to be successful, the group policy to be changed in the preset group policy database will be updated according to the change confirmation instruction.

[0127] If the payment for the group insurance policy to be changed is not found to be successful, a payment reminder message will be generated based on the policy change amount and sent to the user terminal.

[0128] In one embodiment, the update module 105 is further configured to:

[0129] Obtain the updated data of the group insurance policy to be changed;

[0130] Based on the updated data, a target group policy for the group policy to be changed is generated; wherein the updated data is displayed in the target group policy according to a preset display rule;

[0131] The target group insurance policy is sent to the user terminal for display to the user.

[0132] In one embodiment, the calculation module 103 is further configured to:

[0133] Obtain the policy type of the group insurance policy to be changed;

[0134] Based on the policy type and preset association, query the preset rate calculation model corresponding to the group policy to be changed from the preset model library;

[0135] The preset association relationship is used to represent the association between the policy type and the preset premium calculation model.

[0136] In one embodiment, the calculation module 103 is specifically used for:

[0137] Based on the insured change data, a compliance check is performed on the group insurance policy to be changed.

[0138] If the policy change request passes the compliance check, the insured's change data and the policy data of the group policy to be changed are input into the corresponding preset rate calculation model to generate the policy change amount of the group policy to be changed.

[0139] If the policy change request fails the compliance check, an alarm message is generated and sent to the user terminal.

[0140] This invention provides a policy data processing device. Upon receiving a policy change request from a user terminal, it obtains the identifier of the group policy to be changed and the insured's change data. Then, it retrieves the policy data of the corresponding group policy to be changed using the group policy identifier. This policy data and the insured's change data are input into a corresponding preset rate calculation model to obtain the amount of the group policy to be changed. This policy change amount is then sent to the user terminal in the form of an interactive page for display. Finally, based on the change confirmation instruction generated by the user terminal based on the interactive page, the device updates the group policy to be changed. This achieves real-time updates of group policies without requiring manual intervention to calculate the insurance amount or notify the insurer of changes, improving the processing efficiency and accuracy of group policies and thus enhancing the user experience.

[0141] Specific limitations regarding the policy data processing device can be found in the limitations of the policy data processing method described above, and will not be repeated here. Each module in the aforementioned policy data processing device can be implemented entirely or partially through software, hardware, or a combination thereof. These modules can be embedded in or independent of the processor in a computer device in hardware form, or stored in the memory of a computer device in software form, so that the processor can call and execute the corresponding operations of each module.

[0142] In one embodiment, a computer device is provided, which may be a server, and its internal structure diagram may be as follows: Figure 13 As shown. The computer device includes a processor, memory, network interface, and database connected via a system bus. The processor provides computing and control capabilities. The memory includes non-volatile and / or volatile storage media and internal memory. The non-volatile storage media stores the operating system, computer programs, and database. The internal memory provides an environment for the operation of the operating system and computer programs in the non-volatile storage media. The network interface is used to communicate with external clients via a network connection. When the computer program is executed by the processor, it implements the functions or steps of a policy data processing method on the server side.

[0143] In one embodiment, a computer device is provided, which may be a client, and its internal structure diagram may be as follows: Figure 14As shown, the computer device includes a processor, memory, network interface, display screen, and input devices connected via a system bus. The processor provides computing and control capabilities. The memory includes a non-volatile storage medium and internal memory. The non-volatile storage medium stores the operating system and computer programs. The internal memory provides an environment for the operation of the operating system and computer programs in the non-volatile storage medium. The network interface is used to communicate with an external server via a network connection. When the computer program is executed by the processor, it implements the functions or steps of a policy data method on the client side.

[0144] In one embodiment, a computer device is provided, including a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor executes the computer program to perform the following steps:

[0145] Receive a policy change request from a user terminal and obtain the group policy identifier and insured change data from the policy change request;

[0146] Retrieve the group policy to be changed corresponding to the group policy identifier from the preset group policy database;

[0147] Input the insured's change data and the policy data of the group policy to be changed into the corresponding preset rate calculation model to generate the policy change amount of the group policy to be changed.

[0148] A first policy interaction page is generated based on the policy change amount and sent to the user terminal;

[0149] In response to the change confirmation instruction generated by the user terminal based on the first policy interaction page, the group policy to be changed in the preset group policy database is updated.

[0150] In one embodiment, a computer-readable storage medium is provided having a computer program stored thereon, the computer program performing the following steps when executed by a processor:

[0151] Receive a policy change request from a user terminal and obtain the group policy identifier and insured change data from the policy change request;

[0152] Retrieve the group policy to be changed corresponding to the group policy identifier from the preset group policy database;

[0153] Input the insured's change data and the policy data of the group policy to be changed into the corresponding preset rate calculation model to generate the policy change amount of the group policy to be changed.

[0154] A first policy interaction page is generated based on the policy change amount and sent to the user terminal;

[0155] In response to the change confirmation instruction generated by the user terminal based on the first policy interaction page, the group policy to be changed in the preset group policy database is updated.

[0156] It should be noted that the functions or steps that can be implemented by the computer-readable storage medium or computer device described above can be referred to the relevant descriptions on the server side and client side in the foregoing method embodiments. To avoid repetition, they will not be described one by one here.

[0157] Those skilled in the art will understand that all or part of the processes in the methods of the above embodiments can be implemented by a computer program instructing related hardware. The computer program can be stored in a non-volatile computer-readable storage medium, and when executed, it can include the processes of the embodiments of the above methods. Any references to memory, storage, databases, or other media used in the embodiments provided in this application can include non-volatile and / or volatile memory. Non-volatile memory can include read-only memory (ROM), programmable ROM (PROM), electrically programmable ROM (EPROM), electrically erasable programmable ROM (EEPROM), or flash memory. Volatile memory can include random access memory (RAM) or external cache memory. By way of illustration and not limitation, RAM is available in various forms, such as static RAM (SRAM), dynamic RAM (DRAM), synchronous DRAM (SDRAM), dual data rate SDRAM (DDRSDRAM), enhanced SDRAM (ESDRAM), synchronous link DRAM (SLDRAM), Rambus direct RAM (RDRAM), direct memory bus dynamic RAM (DRDRAM), and memory bus dynamic RAM (RDRAM), etc.

[0158] Those skilled in the art will clearly understand that, for the sake of convenience and brevity, the above-described division of functional units and modules is used as an example. In practical applications, the above functions can be assigned to different functional units and modules as needed, that is, the internal structure of the device can be divided into different functional units or modules to complete all or part of the functions described above.

[0159] The above-described embodiments are only used to illustrate the technical solutions of the present invention, and are not intended to limit it. Although the present invention has been described in detail with reference to the foregoing embodiments, those skilled in the art should understand that modifications can still be made to the technical solutions described in the foregoing embodiments, or equivalent substitutions can be made to some of the technical features. Such modifications or substitutions do not cause the essence of the corresponding technical solutions to deviate from the spirit and scope of the technical solutions of the embodiments of the present invention, and should all be included within the protection scope of the present invention.

Claims

1. A method for processing insurance policy data, characterized in that, include: Receive a policy change request from a user terminal and obtain the group policy identifier and insured change data from the policy change request; Retrieve the group policy to be changed corresponding to the group policy identifier from the preset group policy database; Input the insured's change data and the policy data of the group policy to be changed into the corresponding preset rate calculation model to generate the policy change amount of the group policy to be changed. A first policy interaction page is generated based on the policy change amount and sent to the user terminal; In response to the change confirmation instruction generated by the user terminal based on the first policy interaction page, the group policy to be changed in the preset group policy database is updated.

2. The policy data processing method as described in claim 1, characterized in that, The step of receiving a policy change request from a user terminal and obtaining the group policy identifier and insured change data from the policy change request includes: Receive a policy change request from the user terminal, generate a second policy interaction page based on the policy change request, and send it to the user terminal; The second policy interaction page includes at least: a change type control and a change number of people control; Receive a policy change request from the user terminal, parse the policy change request, and obtain the group policy identifier and the insured change data in the policy change request; The policy change request is generated by the user terminal based on the change type control and the number of change participants control, which are triggered by the change type control and the number of change participants control.

3. The policy data processing method as described in claim 1, characterized in that, The first policy interaction page includes: a component addition control and at least one change component; the change component includes: a change type control and an insured information control; When the component addition control is triggered, the first policy interaction page adds the change component.

4. The policy data processing method as described in claim 1, characterized in that, The step of updating the group insurance policies to be changed in the preset group insurance policy database in response to the change confirmation instruction generated by the user terminal based on the first policy interaction page includes: In response to the change confirmation instruction generated by the user terminal based on the first policy interaction page, query whether the group policy to be changed has been successfully paid; If the payment for the group policy to be changed is found to be successful, the group policy to be changed in the preset group policy database will be updated according to the change confirmation instruction. If the payment for the group insurance policy to be changed is not found to be successful, a payment reminder message will be generated based on the policy change amount and sent to the user terminal.

5. The policy data processing method according to claim 1, characterized in that, After updating the group insurance policies to be changed in the preset group insurance policy database, the method further includes: Obtain the updated data of the group insurance policy to be changed; Based on the updated data, a target group policy for the group policy to be changed is generated; wherein the updated data is displayed in the target group policy according to a preset display rule; The target group insurance policy is sent to the user terminal for display to the user.

6. The policy data processing method as described in claim 1, characterized in that, Before inputting the insured's change data and the policy data of the group policy to be changed into the corresponding preset rate calculation model to generate the policy change amount of the group policy to be changed, the method further includes: Obtain the policy type of the group insurance policy to be changed; Based on the policy type and preset association, query the preset rate calculation model corresponding to the group policy to be changed from the preset model library; The preset association relationship is used to represent the association between the policy type and the preset premium calculation model.

7. The policy data processing method as described in claim 1, characterized in that, The insured's change data and the policy data of the group policy to be changed are input into the corresponding preset rate calculation model to generate the policy change amount of the group policy to be changed, including: Based on the insured change data, a compliance check is performed on the group insurance policy to be changed. If the policy change request passes the compliance check, the insured's change data and the policy data of the group policy to be changed are input into the corresponding preset rate calculation model to generate the policy change amount of the group policy to be changed. If the policy change request fails the compliance check, an alarm message is generated and sent to the user terminal.

8. A policy data processing device, characterized in that, include: The receiving module is used to receive policy change requests from user terminals and obtain the group policy identifier and insured change data in the policy change request. The acquisition module is used to acquire the group insurance policy to be changed corresponding to the group insurance policy identifier from the preset group insurance policy database; The calculation module is used to input the insured's change data and the policy data of the group policy to be changed into the corresponding preset rate calculation model to generate the policy change amount of the group policy to be changed. An interaction module is used to generate a first policy interaction page based on the policy change amount and send it to the user terminal; The update module is used to update the group insurance policy to be changed in the preset group insurance policy database in response to the change confirmation instruction generated by the user terminal based on the first policy interaction page.

9. A computer device comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, characterized in that, When the processor executes the computer program, it implements the steps of the policy data processing method as described in any one of claims 1 to 7.

10. A computer-readable storage medium storing a computer program, characterized in that, When the computer program is executed by a processor, it implements the steps of the policy data processing method as described in any one of claims 1 to 7.

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