CN109658262A - Method, apparatus, device and storage medium for managing policy value-added services - Google Patents
Method, apparatus, device and storage medium for managing policy value-added services Download PDFInfo
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- CN109658262A CN109658262A CN201811507852.4A CN201811507852A CN109658262A CN 109658262 A CN109658262 A CN 109658262A CN 201811507852 A CN201811507852 A CN 201811507852A CN 109658262 A CN109658262 A CN 109658262A
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
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Abstract
The embodiment of the invention provides a method, a system, equipment and a storage medium for managing policy value-added services, wherein the contribution degree of the policy to the value-added services is calculated and stored for each value-added service associated with each risk in a customer policy, and is accumulated with the previously stored contribution degree of each policy of the same customer to the value-added services; if the accumulated sum reaches the preset standard, the value-added service is marked to be effective for the customer, and the interest information of the value-added service is generated for the customer to indicate that the customer can enjoy the value-added service. The technical scheme of the embodiment of the invention feeds back and updates the related value-added service rights to the client in time according to the actual condition of the client policy, improves the management efficiency of the value-added service, is convenient to establish the opportunity of carrying out multiple service transactions with the client and improves the utilization rate of the related services of the value-added service.
Description
Technical field
The present invention relates to data processing technique, more particularly, to the method, apparatus of declaration form pertinent value added services management, set
Standby and storage medium.
Background technique
As the competition of insurance industry is more and more fierce, many insurance companies can all provide one in marketing insurance product simultaneously
Fixed value-added service is to client.Same insurance products can incidentally there are many value-added services, such as are produced with the insurance of medical services class
For product, it is often accompanied by such as health consultation, medical treatment green channel, out-patient registration is assisted, accompanies the patient to see a doctor, arrange to be hospitalized, give body
The value-added service of inspection, phone family doctor, overseas second diagnosis and treatment opinion etc.Usually determined by specific declaration form amount to visitor
Family can enjoy which value-added service therein, it means that the client for only buying high amount declaration form could enjoy high value
Value-added service equity, and the client with multiple low amount declaration forms can not enjoy the value-added service of high value, this is undoubtedly
It will affect client to attempt new product or continue to buy the interest of more parts of declaration forms.Also, the value-added service power that current client is enjoyed
Benefit is fixed as declaration form generates, even if the value-added service type of later period correlation insurance kind or its related amount become
Change, the value-added service equity of client is also difficult to timely update, this affect to a certain extent the benefit of client and customer experience with
And the competitiveness of insurance products.
Summary of the invention
Therefore, the defect for aiming to overcome that the above-mentioned prior art of the embodiment of the present invention provides a kind of for managing guarantor
Method, system, equipment and the storage medium of single value-added service, effectively to manage the relevant value-added service of declaration form.
Above-mentioned purpose is achieved through the following technical solutions:
According to a first aspect of the embodiments of the present invention, a kind of method for managing declaration form value-added service, the party are provided
Method includes the new declaration form in response to client, determines each associated value-added service of insurance kind in the declaration form；For identified each
Value-added service executes following operation: calculating the declaration form for the contribution degree of the value-added service, by the contribution degree and the client
Previous each declaration form add up for the contribution degree of the value-added service；Judge the declaration form of the client for the value-added service
The sum of the cumulative preset standard for whether reaching the value-added service of contribution degree, to determine whether the value-added service is raw for the client
Effect.The amount that wherein contribution degree is used to measure in the declaration form with the associated insurance kind of the value-added service whether can for the client
Enjoy the value-added service role size.
In some embodiments of the invention, wherein the declaration form of the client for the value-added service contribution degree it is cumulative
The sum of when reaching the preset standard of the value-added service, determine that the value-added service comes into force for the client, and generating for the client should
The benefits information of value-added service is to indicate that it can enjoy the value-added service.
In some embodiments of the invention, this method may be responsive to disappearing for client's surrender or lapse of policy
Breath, determines each associated value-added service of insurance kind in the declaration form, executes following operation for identified each value-added service: deleting
Except the declaration form is for the contribution degree of the value-added service；If the value-added service is marked as coming into force for client, by the visitor
Each declaration form of remaining of family adds up for the contribution degree of the value-added service, if the contribution degree for the value-added service adds up it
The value-added service is labeled as client's Pending The Entry Into Force by not up to preset standard, and sends the corresponding increasing of instruction to the client
The information of value service benefits information failure.
In some embodiments of the invention, this method can also include work as each declaration form of the same client saved for
When the sum of the cumulative not up to preset standard of the contribution degree of the value-added service: determining the client for the contribution degree of the value-added service
Difference；It obtains and the associated insurance kind list of the value-added service；For each insurance kind in the insurance kind list, calculate and identified tribute
The corresponding declaration form amount of degree of offering difference；Declaration form amount corresponding with the associated insurance kind list of the value-added service and each insurance kind is presented to
Client.
In some embodiments of the invention, can according to the mapping table of preconfigured value-added service and insurance kind come
Each associated value-added service of insurance kind in determining and client's declaration form.
In some embodiments of the invention, this method may be responsive to the change of the change of value-added service, insurance kind
More or the variation of value-added service and insurance kind corresponding relationship, corresponding to the progress of the mapping table of insurance kind to the value-added service to adjust
It is whole.
In some embodiments of the invention, the contribution degree can be in the declaration form with the associated insurance kind of the value-added service
Amount and the value-added service standard amount ratio, the standard amount of the value-added service is that prespecified client will enjoy
The amount that must be reached by the value-added service；And the preset standard is the sum of cumulative obtained contribution degree not less than 1.
In some embodiments of the invention, the contribution degree can be in the declaration form with the associated insurance kind of the value-added service
Amount；And the preset standard is the standard amount that the sum of cumulative obtained contribution degree is not less than the value-added service, it is described
The standard amount of value-added service will enjoy the amount that the value-added service must reach for prespecified client.
According to a second aspect of the embodiments of the present invention, a kind of declaration form value added service management system, including declaration form system are provided
Count module and value added service management module, in which: declaration form statistical module is used for the new declaration form in response to client, determines in the declaration form
Each associated value-added service of insurance kind.Value added service management module, it is following for being executed for identified each value-added service
Operation: the declaration form is calculated for the contribution degree of the value-added service；By previous each declaration form of the contribution degree and the client for
The contribution degree of the value-added service adds up；Judge the declaration form of the client for the value-added service contribution degree it is the sum of cumulative
Whether the preset standard of the value-added service is reached, to determine whether the value-added service comes into force for the client.The wherein contribution
Degree is for measuring in the declaration form whether the value-added service can be enjoyed for the client with the amount of the associated insurance kind of the value-added service
Role size.
According to a third aspect of the embodiments of the present invention, a kind of computer readable storage medium is provided, meter is stored thereon with
Calculation machine program, described program are performed the method realized as described in above-described embodiment first aspect.
According to a fourth aspect of the embodiments of the present invention, a kind of electronic equipment, including processor and memory are provided, wherein
Memory is for storing executable instruction；The processor is configured to realizing via the executable instruction is executed as above-mentioned
Method described in embodiment first aspect.
Technical solution provided in an embodiment of the present invention can include the following benefits:
The technical solution of the embodiment of the present invention establishes half incidence relation between declaration form and value-added service, more according to client
A declaration form spells single generation pertinent value added services equity automatically, improves customer experience；And it can be according to the practical shape of client's declaration form
Condition timely updates relevant value-added service equity, improves the efficiency of management of value-added service, convenient for establish carried out with client it is multiple
The chance of business transaction improves the utilization rate of value-added service related service.
It should be understood that above general description and following detailed description be only it is exemplary and explanatory, not
It can the limitation present invention.
Detailed description of the invention
The drawings herein are incorporated into the specification and forms part of this specification, and shows and meets implementation of the invention
Example, and be used to explain the principle of the present invention together with specification.It should be evident that the accompanying drawings in the following description is only the present invention
Some embodiments for those of ordinary skill in the art without creative efforts, can also basis
These attached drawings obtain other attached drawings.In the accompanying drawings:
Fig. 1 shows the process signal according to an embodiment of the invention for managing the method for declaration form value-added service
Figure.
Fig. 2 shows the process signals of the method for managing declaration form value-added service of another embodiment according to the present invention
Figure.
Fig. 3 shows the functional block diagram of declaration form value added service management system according to an embodiment of the invention.
Fig. 4 shows interacting for value added service management system according to an embodiment of the invention and other operation systems
Journey schematic diagram.
Specific embodiment
In order to make the purpose of the present invention, technical solution and advantage are more clearly understood, and are passed through below in conjunction with attached drawing specific real
Applying example, the present invention is described in more detail.It should be appreciated that described embodiment is a part of the embodiments of the present invention, without
It is whole embodiments.Based on the embodiments of the present invention, those of ordinary skill in the art are not in the case where making creative work
The every other embodiment obtained, shall fall within the protection scope of the present invention.
In addition, described feature, structure or characteristic can be incorporated in one or more implementations in any suitable manner
In example.In the following description, many details are provided to provide and fully understand to the embodiment of the present invention.However,
It will be appreciated by persons skilled in the art that technical solution of the present invention can be practiced without one or more in specific detail,
Or it can be using other methods, constituent element, device, step etc..In other cases, it is not shown in detail or describes known side
Method, device, realization or operation are to avoid fuzzy each aspect of the present invention.
Block diagram shown in the drawings is only functional entity, not necessarily must be corresponding with physically separate entity.
I.e., it is possible to realize these functional entitys using software form, or realized in one or more hardware modules or integrated circuit
These functional entitys, or these functional entitys are realized in heterogeneous networks and/or processor device and/or microcontroller device.
Flow chart shown in the drawings is merely illustrative, it is not necessary to including all content and operation/step,
It is not required to execute by described sequence.For example, some operation/steps can also decompose, and some operation/steps can close
And or part merge, therefore the sequence actually executed is possible to change according to the actual situation.
Inventor has found that a declaration form usually includes multiple insurance kinds in actual operation, and each insurance kind may relate to multinomial increasing
Value service, different insurance kinds may also share same value-added service, and the enjoyable value-added service quantity of client and value are because of insurance kind
Type and declaration form amount and different, and the upgrading of update and the value-added service itself with insurance products, each insurance kind association
Value-added service type and service content also constantly update variation.And declaration form pertinent value added services management method is very simple at present,
Judged according to individual policy amount client can with or a certain value-added service cannot be enjoyed, do not comprehensively consider same client
All declaration form situations carry out dynamic and adjust or distribute automatically value-added service.The value-added service equity of client is consolidated as declaration form generates
It decides, even if the corresponding value-added service type of later period insurance kind or its related amount change, the value-added service equity of client
Also be difficult to timely update, this not only influences the benefit of client and customer experience, but also influence insurance products competitiveness and may
Influence enterprise management efficiency.Therefore, a kind of method and system that can improve declaration form value added service management efficiency is needed.
A kind of method for managing declaration form value-added service is provided in one embodiment of the invention.For overview,
This method includes the new declaration form in response to receiving client, determines each associated value-added service of insurance kind in the declaration form；Then, for
Identified each value-added service executes following operation: calculating and saves the declaration form for the contribution degree of the value-added service, by institute
State contribution degree and each declaration form for the same client being previously saved add up for the contribution degree of the value-added service, in response to for
The the sum of cumulative of the contribution degree of the value-added service reaches preset standard, by the value-added service labeled as coming into force for the client, and
The client generates the benefits information of the value-added service to indicate that it can enjoy the value-added service.Wherein, client's declaration form is for some
The amount that the contribution degree of value-added service is used to measure in the declaration form with the associated insurance kind of the value-added service whether can for the client
Enjoy the value-added service role size.The executing subject of this method can be server, or can be used to look forward to
Industry provide such as service of declaration form management, customer account management, value added service management etc any one or more computing devices and
A combination thereof.
Fig. 1 gives a specific stream of the method for realizing management declaration form value-added service according to an embodiment of the present invention
Journey example.As shown in Figure 1, obtaining client's declaration form in step S101.Client's declaration form can be obtained using various ways, at this
This is not limited in application embodiment.System is generated from such as insurance policy issuing system, declaration form, is protected for example, can receive
Client's declaration form that the declaration form data source of menu manager system or the like is sent.Or it can believe from client's correlation declaration form is such as saved
The data source query of the database of breath etc simultaneously obtains client's declaration form.In another example can be generated in response to such as new declaration form etc
The triggering of event go to extract newly-generated client's declaration form, in response to the triggering of lapse of policy event, go to extract the client failed
Declaration form etc..In another example these client's declaration forms can temporarily be deposited if receiving multiple client's declaration forms simultaneously or in the short time
It is placed in declaration form processing queue, when needing to handle client's declaration form, can directly be obtained from declaration form processing queue to be processed
Client's declaration form.
In step S102, each associated value-added service of insurance kind in the client's declaration form received is determined, to obtain and the declaration form
Corresponding value-added service queue.According to one embodiment of present invention, inquiry product information library or value-added service number can be passed through
The associated value-added service of each insurance kind is obtained according to the data source in library etc.It according to another embodiment of the invention, can be with
The mapping table for being pre-configured with or setting between value-added service and insurance kind, directly inquire this preconfigured value-added service with
The mapping table of insurance kind determines and the associated value-added service of insurance kind each in client's declaration form.It may include one in client's declaration form
A or multiple insurance kinds, different insurance kinds may be associated with different value-added services, it is also possible to share identical value-added service.In the reality
It applies in example, declaration form is traversed as unit of insurance kind, determine value-added service associated by each insurance kind for including in the declaration form,
For convenience of subsequent processing, identified all value-added services can be stored in an interim queue, as with the declaration form
Then corresponding value-added service queue carries out phase for value-added service each in the queue by following step S103-S108
It should handle.In further embodiments, each insurance kind in client's declaration form can be traversed in step S102, if insurance kind association is a certain
Value-added service, then create the client of the declaration form and the equity archives of the value-added service, and equity archives are defaulted as not giving birth to when being created
Effect state.
It continues to refer to figure 1, each value-added service determined by step S102 is handled since step S103, according to
It is secondary to take out value-added service from the corresponding value-added service queue of the declaration form and carry out step S104 up to the processing of step S107,
Until the corresponding value-added service queue of the declaration form is empty (step S108), then return step S101 is to continue with next visitor
Family declaration form.
More specifically, in step S104, calculating for identified each value-added service and saving the declaration form for the increasing
It is worth the contribution degree of service.Client's declaration form is used to measure in the declaration form for the contribution degree of some value-added service to close with the value-added service
Whether the amount of the insurance kind of connection can enjoy the value-added service role size for the client.Can using various ways come
Determine contribution degree.In one embodiment, client's declaration form can be in the declaration form and be somebody's turn to do for the contribution degree of some value-added service
The ratio of the standard amount of the amount and value-added service of the associated insurance kind of value-added service, wherein the standard amount of value-added service be
Refer to that prespecified client will enjoy the amount that the value-added service must reach.In yet another embodiment, client's declaration form pair
It can be the amount in the declaration form with the associated insurance kind of the value-added service in the contribution degree of some value-added service；And it is described default
Standard is the standard amount that the sum of cumulative obtained contribution degree is not less than the value-added service, and the standard amount of the value-added service is
Prespecified client will enjoy the amount that the value-added service must reach.
In step S105, by each declaration form of the contribution degree that step S104 is obtained and the same client being previously saved for the increasing
The contribution degree of value service adds up.Same client may have many declaration forms, these declaration forms may be related to identical increment
Service.Therefore can be made by automatically merging each declaration form of same client for the contribution degree of some value-added service
Client is possible to enjoy the further types of value-added service of higher value.
In step S106, whether the sum of judgement is cumulative reaches preassigned.If contribution degree is the sum of cumulative not to reach pre-
Calibration is quasi-, then return step S103 continues with next value-added service.If contribution degree is the sum of cumulative to have reached preassigned,
Then illustrate that client can enjoy corresponding value-added service, continues to S107.Wherein calculating of the preassigned because of contribution degree
Mode and difference, such as in contribution degree of client's declaration form for some value-added service be to be closed in the declaration form with the value-added service
In the embodiment of the ratio of the standard amount of the amount and value-added service of the insurance kind of connection, which is cumulative obtained tribute
The sum of degree of offering is not less than 1.It is to be associated in the declaration form with the value-added service in contribution degree of client's declaration form for some value-added service
Insurance kind amount embodiment in, which is the standard that the sum of cumulative obtained contribution degree is not less than the value-added service
Amount.Similarly, it is associated with if client's declaration form is equal in the declaration form contribution degree of some value-added service with the value-added service
Insurance kind amount and the value-added service standard amount ratio multiplied by 100%, then the preset standard be the obtained tribute of adding up
The sum of degree of offering is not less than 100.
In step S107, reach default in response to contribution degree cumulative the sum of of each declaration form of client for the value-added service
The value-added service is labeled as coming into force for the client, and generates the benefits information of the value-added service for the client to refer to by standard
Show that it can enjoy the value-added service.Step S108 is next continued to, whether judges the corresponding value-added service queue of client's declaration form
It is back to S101 if it is sky for sky and continues with next client's declaration form；If being not sky, it is back to step S103,
Next value-added service is taken out from the value-added service queue, continues the relevant treatment of next round S104-S108.
Declaration form is established by contribution degree of the declaration form for value-added service in the technical solution of previous embodiment and increment takes
Half incidence relation between business makes client by spelling single generation pertinent value added services equity automatically according to multiple declaration forms of client
It is possible that enjoying the further types of value-added service of higher value, customer experience is improved；And it may be in response to the new declaration form of client
Be continuously generated, dynamically update relevant value-added service equity in real time, improve the efficiency of management of value-added service.
In one embodiment, the above-mentioned method for managing declaration form value-added service can also include that basis receives client
The message of lapse of policy or client's surrender dynamically adjusts the enjoyable value-added service equity of the client.For example, in response to receiving visitor
The message of family surrender or lapse of policy determines each associated value-added service of insurance kind in the declaration form, sequentially for identified every
A value-added service executes following operation: A1) declaration form is deleted for the contribution degree of the value-added service；A2) if the value-added service
It is marked as coming into force for client, then remaining each declaration form of same client adds up for the contribution degree of the value-added service,
When the sum of the cumulative not up to preset standard of the contribution degree for the value-added service, which is labeled as the visitor
Family Pending The Entry Into Force, and the information for indicating that corresponding value-added service benefits information fails is sent to the client.The technical solution of the embodiment
In, the enjoyable relevant value-added service power of the client can be automatically updated according to the real-time change of client's correlation declaration form state
Benefit further improves the efficiency of management of value-added service.
In one embodiment, the above-mentioned method for managing declaration form value-added service can also include according to client Ge Bao
Single pair refers to insurance kind and corresponding amount in the contribution degree situation of every value-added service, to client's offer is some, so that client is timely
Which insurance products understanding, which needs to buy just, can enjoy the service of potential higher value.For example, accounting in the above-mentioned methods
It calculates and saves each declaration form of client for the contribution degree of each value-added service, if the value-added service for some Pending The Entry Into Force, i.e.,
Each declaration form of the same client saved can hold the sum of the cumulative not up to preset standard of the contribution degree of the value-added service
The following operation of row: B1) determine that each declaration form of client takes the sum of cumulative of contribution degree of the value-added service relative to the increment
Difference between the standard amount of business；B2 it) is for example obtained by inquiring the mapping table of preconfigured value-added service and insurance kind
It takes and the associated insurance kind list of the value-added service；B3 it) for each insurance kind in the insurance kind list, calculates and identified contribution degree
The corresponding declaration form amount of difference；B4) and by declaration form amount corresponding with the associated insurance kind list of the value-added service and each insurance kind it is in
Now give client.By the technical solution of the embodiment, client can be made to understand the more high price that it is potentially possible to enjoy in time
It is worth further types of value-added service, it is easier to set up the chance that secondary transaction occurs with client, it is possible to bring more warps
Ji benefit.
In some embodiments for being provided with the mapping table of value-added service and insurance kind in advance, above-mentioned protects for managing
The method of single value-added service may also respond to the change of value-added service, the change of insurance kind or value-added service and insurance kind corresponding relationship
Variation, the step of adaptable adjustment is carried out to the mapping table of value-added service and insurance kind, and hereby based on adjusted
Value-added service is that client generates relevant value-added service equity in real time to the mapping table of insurance kind.The technical solution of the embodiment
Can the increasing that dynamic updates more timely and accurately be provided to client according to the dynamic change of relationship between insurance kind and value-added service
Value service, not only improves customer experience, is more favorable to the popularization of the insurance kind and added value service business of upgrading.
Fig. 2 gives another process of the method for realizing management declaration form value-added service according to an embodiment of the present invention
Example.As shown in Fig. 2, in step S201, acquisition client's declaration form similar with abovementioned steps S101.In step S202, with step
S102 is similar to determine each associated value-added service of insurance kind in the client's declaration form received, but the difference is that does not set up and be somebody's turn to do
The corresponding value-added service queue of declaration form.But each value-added service determined by beginning stepping through, step is executed to the value-added service
Respective handling in S203-S208.
More specifically, being in step S203 judgement for each value-added service involved in client's declaration form for being traversed
The no equity archives for having existed the client Yu the value-added service, if it is not, the S203 ' that gos to step, for client wound
Build the equity archives of the client Yu the value-added service, wherein may include customer ID, the mark of the value-added service, the client it is every
A declaration form mark, each declaration form are for information such as the contribution degree of the value-added service, the status indicators of the equity archives.If in step
Rapid S203 determines the equity archives for having existed the client Yu the value-added service, then continues to S204.In step S204, with
Step S104 is similar, calculates the declaration form for the contribution degree of the value-added service.Contribution degree calculation is also similar above, no longer superfluous
It states.It is different from step S104, the declaration form being calculated is stored in this for the contribution degree of the value-added service in step S204
In the equity archives of client and the value-added service.In step S205, will be protected in equity archives of the client with the value-added service
Each declaration form of the same client deposited adds up for the contribution degree of the value-added service.It is similar with step S106 in step S206,
Whether judgement is the sum of cumulative reaches preassigned.If contribution degree is the sum of cumulative not to reach preassigned, return step
S202 continues with next value-added service.If contribution degree is the sum of cumulative to have reached preassigned, illustrate that client can enjoy
By corresponding value-added service, S207 is continued to.In step S207, in response to each declaration form of client for the value-added service
The the sum of cumulative of contribution degree reaches preset standard, is to come into force the equity file signal of the client and the value-added service, such as general
Status indicator is revised as effectively in the equity archives；Simultaneously the benefits information of the value-added service can be generated to indicate for the client
It can enjoy the value-added service.Step S208 is next continued to, judgement is all increments clothes for having had stepped through the declaration form and being related to
Business, if it is, being back to S201, starts to process next client's declaration form；If it is not, being back to step S202, start
Next value-added service is handled, the relevant treatment of next round S203-S208 is carried out.
It In yet another embodiment, can also include root in conjunction with the method for managing declaration form value-added service of Fig. 2 introduction
According to the message for receiving client's lapse of policy or client's surrender, the enjoyable value-added service equity of the client is dynamically adjusted.For example, ringing
Ying Yu receives the message of client's surrender or lapse of policy, determines each associated value-added service of insurance kind in the declaration form, sequentially for
Identified each value-added service executes following operation: A1) it is deleted previously from the equity archives of the client and the value-added service
Contribution degree of the declaration form saved for the value-added service；A2) if the status indicator of the equity archives is marked as this
Client is come into force, then all contribution degrees existing in the equity archives is added up, when the sum of cumulative not up to preset standard,
The status indicator of the increment equity archives is labeled as client's Pending The Entry Into Force, and sends the corresponding increment clothes of instruction to the client
The information of benefits information of being engaged in failure.In the technical solution of the embodiment, can according to the real-time change of client's correlation declaration form state,
The enjoyable relevant value-added service equity of the client is automatically updated, the efficiency of management of value-added service is further improved.
It In yet another embodiment, can also include root in conjunction with the method for managing declaration form value-added service of Fig. 2 introduction
According to each declaration form of client for the contribution degree situation of every value-added service, insurance kind and corresponding amount are referred to client's offer is some, with
Which understand that client in time to need to buy insurance products just and can enjoy the service of potential higher value.For client and often
The equity archives of a value-added service, if the equity archives are marked as Pending The Entry Into Force, i.e., each declaration form of same client is for the increasing
It is worth the sum of the cumulative not up to preset standard of the contribution degree of service, following operation: B1 can be executed) according to client and determine client
Each declaration form for the value-added service contribution degree it is the sum of cumulative relative to the difference between the standard amount of the value-added service；
B2 it) is for example obtained and the associated insurance kind of the value-added service by inquiring the mapping table of preconfigured value-added service and insurance kind
List；B3) for each insurance kind in the insurance kind list, declaration form amount corresponding with identified contribution degree difference is calculated；B4) with
And declaration form amount corresponding with the associated insurance kind list of the value-added service and each insurance kind is presented to client.Pass through the skill of the embodiment
Art scheme can make client understand the further types of value-added service of higher value that it is potentially possible to enjoy in time, more hold
Easily set up the chance that secondary transaction occurs with client, it is possible to bring more economic benefits.
Fig. 3 is the functional block diagram function according to the declaration form value added service management system 300 of one embodiment of the invention
It can block diagram.Although the block diagram describes component in functionally separated mode, such description is exclusively for the purposes of illustration.Figure
Shown in component can arbitrarily be combined or be divided into independent software, firmware and/or hardware component.Moreover, no matter
How such component is combined or divided, they can be executed on same host or multiple main frames, plurality of
Host can be to be connected to the network by one or more.
As shown in figure 3, the declaration form value added service management system 300 includes declaration form statistical module 301 and value added service management
Module 302.Wherein declaration form statistical module 301 is as described in above in association with step S102, in response to receiving the new guarantor of client
It is single, determine each associated value-added service of insurance kind in the declaration form.Value added service management module 302 is used for for identified each
Value-added service is executed to be operated as introduced above in association with step S104-S107 or step S203-207, including is calculated and protected
The declaration form is deposited for the contribution degree of the value-added service；By each declaration form of the contribution degree and the same client being previously saved for this
The contribution degree of value-added service adds up；Judge the declaration form of the client is for the sum of cumulative of contribution degree of the value-added service
The no preset standard for reaching the value-added service, to determine whether the value-added service comes into force for the client.It is taken when for the increment
It by the value-added service labeled as coming into force for the client, and is the visitor when contribution degree of business the sum of cumulative reaches preset standard
Family generates the benefits information of the value-added service to indicate that it can enjoy the value-added service.
In some embodiments, value added service management module 302 can be additionally configured to move back in response to receiving client's declaration form
The message protected or failed determines each associated value-added service of insurance kind in the declaration form, and identified each increment is taken
Business executes following operation: A1) declaration form is deleted for the contribution degree of the value-added service；A2) if the value-added service is marked as
It comes into force, then remaining each declaration form of same client adds up for the contribution degree of the value-added service, when for this for client
When the sum of the cumulative not up to preset standard of the contribution degree of value-added service, by the value-added service labeled as not given birth to for the client
Effect, and the information for indicating that corresponding value-added service benefits information fails is sent to the client.It, can be in the technical solution of the embodiment
According to the real-time change of client's correlation declaration form state, the enjoyable relevant value-added service equity of the client is automatically updated, into one
Step improves the efficiency of management of value-added service.
In some embodiments, value added service management module 302 can be additionally configured to work as the same client's saved
Each declaration form for the contribution degree of the value-added service the sum of cumulative not up to preset standard when execute following operation: B1) determine visitor
Each declaration form at family for the value-added service contribution degree it is the sum of cumulative relative to the difference between the standard amount of the value-added service
Volume；B2) for example associated with the value-added service by inquiring the mapping table acquisition of preconfigured value-added service and insurance kind
Insurance kind list；B3) for each insurance kind in the insurance kind list, declaration form amount corresponding with identified contribution degree difference is calculated；
B4) and by declaration form amount corresponding with the associated insurance kind list of the value-added service and each insurance kind it is presented to client.
In some embodiments, above-mentioned contribution degree be in the declaration form with the amount of the associated insurance kind of the value-added service with should
The ratio of the standard amount of value-added service, the standard amount of the value-added service are that prespecified client will enjoy increment clothes
The amount that business must reach；And the preset standard is the sum of cumulative obtained contribution degree not less than 1.
In some embodiments, above-mentioned contribution degree is the amount in the declaration form with the associated insurance kind of the value-added service；With
And the preset standard is the standard amount that the sum of cumulative obtained contribution degree is not less than the value-added service, the value-added service
Standard amount will enjoy the amount that the value-added service must reach for prespecified client.
Fig. 4 is according to the declaration form value added service management system of one embodiment of the invention and interacting for other operation systems
Journey schematic diagram.As shown in figure 4, the declaration form value added service management system can receive from such as insurance policy issuing system A, B, C in this way
Data source send declaration form relevant information.It is taken when according to the increment of the management of client's policy information and the client association that receive
Business, and value-added service benefits information is generated for client, and can interact with client management system, the client's declaration form received is believed
Breath is also registered accordingly in client management system.Client management system maintains all customer informations, these clients are also
The customer information sources of all value-added services businesses systems, value-added services businesses are taken to have bought the client of related declaration form
Business.By taking this value-added services businesses of community of supporting parents as an example, endowment community periodically needs to pay certain entry fee in advance.If objective
The declaration form of family purchase meets some requirements or multiple declaration forms are added up and met some requirements, can be obtained preferentially move in and
Exempt from the equity of entry fee.If client see declaration form value added service management system generate about with endowment community this increment
The benefits information of service can go endowment community traffic system to understand related equity.Community system of supporting parents can rise in value to declaration form to be taken
Whether the inquiry of business management system and this value-added service of verifying client come into force, if it is, can weigh for pertinent value added services
Benefit provides the related service of endowment community traffic for the client.The declaration form increased value service system is declaration form operation system and such as supports
A bridge block has been erected between the value-added services businesses system of old community traffic etc.Future can also be to more third-party institutions
Exploitation, the combination of realization insurance and endowment, insurance and every field industry may advantageously facilitate Insurance Industry and other each productions
The further development of industry.
In yet another embodiment of the present invention, a kind of computer readable storage medium is additionally provided, meter is stored thereon with
Calculation machine program or executable instruction, when the computer program or executable instruction are performed realization such as institute in previous embodiment
The technical solution stated, realization principle is similar, and details are not described herein again.In an embodiment of the present invention, computer-readable storage medium
Matter can be it is any can storing data and can by computing device read tangible medium.The reality of computer readable storage medium
Example include hard disk drive, network attached storage (NAS), read-only memory, random access memory, CD-ROM, CD-R,
CD-RW, tape and other optics or non-optical data storage device.Computer readable storage medium also may include being distributed in
Computer-readable medium in network coupled computer system, so as to store and execute computer program in a distributed manner or refer to
It enables.
In yet another embodiment of the present invention, a kind of electronic equipment, including processor and memory are additionally provided, wherein
The memory is used to store the executable instruction that can be executed by processor, wherein the processor is configured to executing memory
The executable instruction of upper storage, the executable instruction are performed the technical solution realized and introduced in aforementioned any embodiment,
Its realization principle is similar, and details are not described herein again.
For the ginseng of " each embodiment ", " some embodiments ", " one embodiment " or " embodiment " etc. in this specification
Examine reference is that the special characteristic in conjunction with described in the embodiment, structure or property are included at least one embodiment.Cause
This, phrase " in various embodiments ", " in some embodiments ", " in one embodiment " or " in embodiment " etc. exists
The appearance of each place not necessarily refers to identical embodiment in the whole instruction.In addition, special characteristic, structure or property can
To combine in any way as suitable in one or more embodiments.Therefore, in conjunction with shown in one embodiment or description
Special characteristic, structure or property can wholly or partly with the feature, structure or property of one or more other embodiments
It unlimitedly combines, as long as the combination is not non-logicality or cannot work.
The term of " comprising " and " having " and similar meaning is expressed in this specification, it is intended that covers non-exclusive packet
Contain, such as contains the process, method, system, product or equipment of a series of steps or units and be not limited to listed step
Rapid or unit, but optionally further comprising the step of not listing or unit, or optionally further comprising for these processes, side
Other intrinsic step or units of method, product or equipment."a" or "an" is also not excluded for multiple situations.In addition, the application
Each element in attached drawing is not necessarily drawn to scale just to schematically illustrate.
Although the present invention is described through the foregoing embodiment, the present invention is not limited to described here
Embodiment, without departing from the present invention further include made various changes and variation.
Claims (10)
Priority Applications (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811507852.4A CN109658262A (en) | 2018-12-11 | 2018-12-11 | Method, apparatus, device and storage medium for managing policy value-added services |
| CN202111078680.5A CN113962816A (en) | 2018-12-11 | 2018-12-11 | Method, device, equipment and storage medium for managing policy value-added service |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811507852.4A CN109658262A (en) | 2018-12-11 | 2018-12-11 | Method, apparatus, device and storage medium for managing policy value-added services |
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN202111078680.5A Division CN113962816A (en) | 2018-12-11 | 2018-12-11 | Method, device, equipment and storage medium for managing policy value-added service |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN109658262A true CN109658262A (en) | 2019-04-19 |
Family
ID=66113636
Family Applications (2)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201811507852.4A Pending CN109658262A (en) | 2018-12-11 | 2018-12-11 | Method, apparatus, device and storage medium for managing policy value-added services |
| CN202111078680.5A Pending CN113962816A (en) | 2018-12-11 | 2018-12-11 | Method, device, equipment and storage medium for managing policy value-added service |
Family Applications After (1)
| Application Number | Title | Priority Date | Filing Date |
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| CN202111078680.5A Pending CN113962816A (en) | 2018-12-11 | 2018-12-11 | Method, device, equipment and storage medium for managing policy value-added service |
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| CN (2) | CN109658262A (en) |
Cited By (2)
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| CN111865933A (en) * | 2020-06-30 | 2020-10-30 | 上海瀚之友信息技术服务有限公司 | A value-added service management system |
| CN112116483A (en) * | 2020-09-16 | 2020-12-22 | 泰康保险集团股份有限公司 | Policy data processing method, query method, storage medium and electronic device |
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| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN119444445B (en) * | 2024-10-24 | 2025-09-30 | 中国平安财产保险股份有限公司 | Strategy customization method, device, electronic device and medium based on evaluation model |
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| CN112116483B (en) * | 2020-09-16 | 2023-11-17 | 泰康保险集团股份有限公司 | Policy data processing method, query method, storage medium and electronic device |
Also Published As
| Publication number | Publication date |
|---|---|
| CN113962816A (en) | 2022-01-21 |
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Application publication date: 20190419 |