WO2019119619A1 - Insurance policy generation method, apparatus and device - Google Patents

Abstract

An insurance policy generation method, apparatus and device, which relate to the field of insurance technology, can improve the efficiency and accuracy of the generation of an insurance policy of a new insurance contract, and can save human resources. The method comprises: upon receipt of an insurance policy generation instruction, acquiring the current job node in an insurance policy generation flow (101); acquiring, from a preset data file, insurance policy data corresponding to the job node as inputted parameters, and invoking an interface function corresponding to the job node, so as to implement insurance policy processing on the job node (102); and if the insurance policy processing is successful on the job node, triggering, according to the order of service operations between job nodes in the insurance policy generation flow, the next job node corresponding to said job node to use the preset data file to continue the next step of the insurance policy processing until an insurance policy corresponding to the insurance policy generation task is generated (103). Said method is applicable to the generation of an insurance policy of a new insurance contract.

Description

 Policy generation method, device and device

The present application claims priority to the Chinese Patent Application, filed on Dec. 21, PCT--------.

Technical field

The present application relates to the field of insurance technology, and in particular, to a method, device and device for generating a policy.

Background technique

The policy is the abbreviation of the insurance policy, which is the maximum integrity insurance contract signed between the insurer and the insured. The insurance policy must clearly and completely record the rights and obligations of the insurance parties. The policy mainly contains the name of the insurer and the insured, the subject matter of the insurance, the amount of insurance, the insurance premium, the period of insurance, the scope of liability for compensation or payment, and other regulations. matter. The insurance policy is signed by the insurer according to the application of the insured, and is handed over to the insured. The insurance policy is the main evidence that the insured claims to the insurer when the insured suffers the accident, and is also charged by the insurer. The basis for insurance premiums. The new contract policy refers to the first (first) contracted policy contract.

At present, the new contract is more complicated to issue the policy, and manual participation is required in each policy of the policy. For example, manual participation is required in the transfer operation between the initial nodes, the agreement definition, the recording, the underwriting, and the underwriting. Each position node needs to manually enter a large amount of policy data, and most of the policy data that needs to be entered is repetitive, such as the name, age, and ID number of the policyholder and the insured, so it will affect the new contract. The efficiency of the policy is easy to make mistakes and wastes a certain amount of human resources.

Summary of the invention

In view of this, the present application provides a method, device and device for generating a policy. The main purpose of the present invention is to solve the problem that the current policy of issuing a new contract is complicated, and each post node in each single policy process needs to manually enter a large number of policies. Data, and most of the policy data that needs to be entered is repetitive, which will affect the efficiency of the new contract out of the policy, and it is easy to make mistakes and waste human resources.

According to an aspect of the present application, a method for generating a policy is provided. The method includes: when receiving a policy generation instruction, acquiring a post node currently in a policy flow; and acquiring, from a preset data file, a post corresponding to the post node The policy data is used as an input parameter, and an interface function corresponding to the post node is invoked to implement policy processing on the post node, and the policy data corresponding to the policy task to be generated is pre-stored in the preset data file; If the policy is successfully processed on the post node, the next post node corresponding to the post node is triggered to continue the next policy processing according to the sequence of the transfer operation between the post nodes in the outbound policy flow. Until the policy corresponding to the policy task to be generated is generated.

According to another aspect of the present application, a policy generating apparatus is provided, the apparatus comprising: an obtaining unit, configured to acquire a post node currently in a policy flow when receiving a policy generation instruction; and a calling unit, configured to Obtaining policy data corresponding to the post node as an input parameter, and calling an interface function corresponding to the post node acquired by the acquiring unit to implement policy processing on the post node, the preset data The policy data corresponding to the policy task to be generated is pre-stored in the file; the triggering unit is configured to trigger the job in the order of the flow between the post nodes in the outbound policy process if the policy is successfully processed on the post node The next post node corresponding to the node proceeds to the next policy processing by using the preset data file until a policy corresponding to the policy task to be generated is generated.

According to still another aspect of the present application, there is provided a storage medium having stored thereon a computer program, the program being implemented by a processor to implement the policy generation method. According to still another aspect of the present application, there is provided a policy generation device comprising a storage medium, a processor, and a computer program stored on the storage medium and operable on the processor, the processor implementing the program when the program is executed The generation method.

With the above technical solution, the method, apparatus and device for generating a policy provided by the present application can be compared with the current policy of manually injecting a large amount of policy data in each of the current policy in each policy. The policy data is obtained as the input policy corresponding to the current position node in the outbound policy flow, and the interface function corresponding to the post node is invoked to implement the policy processing on the post node, and the policy is processed on the post node. Success, automatically trigger the next post node to use the data file to continue the policy processing, and finally generate the policy, without having to manually enter a large amount of policy data for each post node, and the transfer operation between the post nodes can be automatically triggered, and the entire policy process It can be realized automatically, saving the time for the new contract to issue the policy, which can improve the efficiency of the new contract to issue the policy. Due to the reduction of manual participation, the accuracy of the new contract can be improved and the human resources can be saved.

The above description is only an overview of the technical solutions of the present application, and the technical means of the present application can be more clearly understood, and the above and other objects, features and advantages of the present application can be more clearly understood. The following is a specific embodiment of the present application.

DRAWINGS

Various other advantages and benefits will become apparent to those skilled in the art from a The drawings are only for the purpose of illustrating the preferred embodiments and are not intended to be limiting. Throughout the drawings, the same reference numerals are used to refer to the same parts. In the drawing:

FIG. 1 is a schematic flowchart of a method for generating a policy provided by an embodiment of the present application;

FIG. 2 is a schematic structural diagram of a policy generating apparatus according to an embodiment of the present application;

FIG. 3 is a schematic structural diagram of another policy generating apparatus provided by an embodiment of the present application.

Detailed ways

Exemplary embodiments of the present disclosure will be described in more detail below with reference to the accompanying drawings. While the embodiments of the present invention have been shown in the drawings, the embodiments Rather, these embodiments are provided so that this disclosure will be more fully understood and the scope of the disclosure will be fully disclosed. The embodiment of the present application provides a method for generating a policy, which can improve the efficiency and accuracy of a new contract to issue a policy, and can save human resources. As shown in FIG. 1 , the method includes:

101. When receiving the policy generation instruction, obtain the current position node in the policy flow.

Among them, the post node can be the policy initial review post node, the policy agreement definition post node, the entry into the policy post node, the policy underwriting post node, the policy underwriting post node, etc.; which post nodes are included in the policy flow can be based on the actual needs of the insurance business The present embodiment is not limited herein. The policy generation instruction can be input by the system when the user handles the insurance business and needs to input the new contract when the insurance policy is required; the user can also input the insurance according to the actual situation of the insurance business; or the insurance business related automatic processing software can be tested. In the process, you need to enter the policy generation and so on. The execution body of the embodiment may be a device for automatically generating a policy, and the tasks on each post node in the policy flow are automatically processed, and the flow between the post nodes can be automatically triggered.

102. Obtain policy data corresponding to the current post node from the preset data file as an input parameter, and invoke an interface function corresponding to the current post node to implement policy processing on the current post node.

The policy data corresponding to the policy task to be generated is pre-stored in the preset data file. The policy data includes: insured information, insured information, insurance protection information, financial charging information, etc.; the insured information includes the name, age, height, weight, health status, document number, etc. of the insured, and the insured information includes The name, age, gender, ID number, etc. of the insurance person; the insurance protection information includes relevant information for providing insurance protection services, such as the scope of liability of the insurance protection service, the provisions of the guarantee service, the duration of the guarantee service, and the compensation or payment of the guarantee service. The amount, etc.; the financial charge information includes information such as the amount of insurance that the user needs to pay. In this embodiment, the policy data corresponding to the policy task to be generated may be saved in the preset data file by the technician in advance, and the preset data file may be in the form of a list, so that the device side can read the data in a certain order. If you read by row or by column, you can create a txt file, or db database file, or excel file. For example, when the policy is required to be issued in batches, the policy data corresponding to the policy tasks to be generated are saved in the preset data file, and each row represents the policy data corresponding to the policy task to be generated, so that the device can be conveniently pressed. The policy reads the policy data corresponding to each policy task to be generated for policy generation, which can realize the business requirements of the batch out of policy and improve the efficiency of batch policy. For the embodiment, the corresponding interface function may be written in advance according to the operation process of each post node in the policy flow, so that the policy processing process of the corresponding post node is automatically realized by calling the interface function. For example, according to the main steps of “Policy Initial Review, Policy Agreement Definition, Policy Entry, Policy Underwriting, Policy Underwriting”, the interface functions are pre-edited, and then each interface node is automatically transferred by calling these interface functions. .

103. If the policy is successfully processed on the current post node, the next post node corresponding to the current post node is triggered to continue the next policy processing according to the sequence of the transfer operation between the post nodes in the outbound policy process, until Generate a policy corresponding to the policy task to be generated.

The sequence of the flow between the post nodes in the policy flow can be configured by the technician in advance according to the actual flow of the policy. For this embodiment, the initial post node in the outbound policy flow can be started. After completing the policy processing task of one post node, the task is transferred to the next post node and then proceeds to the next step until the policy is generated and processed at the next post node. The process can still be based on the corresponding insurance data in the preset data file, thereby avoiding manual re-entry of policy data; it can also proceed from a certain post node in the outbound policy flow, and one post node is followed by a post node for processing until the policy Generated, but only if the policy generation process task before this post node has been processed. In the method for generating a policy provided by the embodiment of the present application, compared with the current policy of manually injecting a large amount of policy data in each of the current instalment policies, the embodiment of the present application does not need to manually input a large number of each post node. The policy data, and the transfer operation between the post nodes can be automatically triggered, and the entire policy process can be automatically realized, saving the time for the new contract to issue the policy, and improving the efficiency of the new contract to issue the policy, which can be improved by reducing the human participation. The new contract provides the accuracy of the policy and saves human resources.

Further, as a refinement and extension of the foregoing embodiment, in order to ensure the validity of the policy processing result of each post node in the policy flow, in an optional embodiment of the present application, the policy is on the current post node. After the processing is successful, the method may further include: performing a qualification check on the policy processing result on the current post node, and/or checking the database information, and/or data processing; if the pass verification fails, and/or the database information school If the test fails, and/or the data processing fails, the next post node corresponding to the current post node is stopped to perform policy processing, and corresponding alarm information is output. The alarm information may be text alarm information, picture alarm information, audio alarm information, video alarm information, light alarm information, vibration alarm information, and the like. For the optional embodiment, after the policy processing on the current post node is successful, in order to ensure the validity of the policy processing result on the current post, and avoiding the next post node processing based on the invalid policy processing result, the policy processing result may be performed. Verification, the specific verification method may include a qualification check (such as comparing the policy processing result with a predefined qualified reference standard, if the deviation from the qualified reference standard is greater than a certain threshold, indicating that the qualified verification fails), and / or database information verification (such as based on the database level, to determine whether the data of the policy processing results meet the database data requirements, if the database data is not used as a reference, or the reference data does not exist in the database, indicating that the database information has not passed), and / or data processing (such as the following post node processing, you need to process the data based on the current post node, if the current post node can not get the data, indicating data processing failure), through these verification methods can ensure the current post node Policy processing result Effectiveness, and thus can ensure compliance with the insurance policy can generate business needs, so as to avoid generating invalid policy.

Correspondingly, if the pass verification, and/or the verification by the database information, and/or the data processing is successful, the next post node corresponding to the current post node is triggered according to the flow sequence between the post nodes in the policy flow. Using the preset data file to continue the policy processing, and send the successfully processed data to the next post node, further, so that the next post node combines the successfully processed data in the process of policy processing, and then in the next post node When the data obtained by the current post node needs to be processed, the next post node can be processed normally, and the error of the next post node policy processing is avoided. According to the insurance business requirements, sometimes the system avatar needs to generate a character avatar in the system logic to perform the interface function call of the next post node, and the photo of the insured person and/or the insured person avatar may be directly added in the preset data file. In addition, the interface function is directly called, but sometimes there is a case where the photo of the person's avatar is missing. In order to ensure that the policy is automatically generated in this case, the data processing of the policy processing result on the current post node may be specifically included. : obtaining feature information of the insured person and/or the insured person's avatar from the policy processing result on the current post node; and generating the avatar information of the applicant and/or the insured according to the character avatar feature information. The character avatar feature information may include an avatar face feature, a facial features, a hair feature, etc., and the avatar features may be input in a preset data file in advance, and finally the system combined with the avatar features may simulate generating a policyholder and/or an insured person. The character avatar is used for the next post node to make an interface function call.

In the actual insurance business, there will be some unfixed data in the policy data, that is, the policy data to be determined, such as the policy payment amount, the insured's ID number, etc., these non-fixed policy data will be based on the actual situation of the user purchasing the policy. There is uncertainty, but when the policy is generated, these non-fixed policy data need to be filled in the policy. Therefore, in order to meet the business needs of the insurance business, the successful generation of the eligible policy is an optional implementation of this application. For example, the step of obtaining the policy data corresponding to the current post node as the input parameter from the preset data file in step 102 may specifically include: extracting the fixed policy corresponding to the current post node from the policy data corresponding to the policy task to be generated. Data; then, the policy data to be determined corresponding to the current post node is calculated by referring to the extracted fixed policy data; finally, the calculated policy data to be determined and the fixed policy data are determined as input parameters. The fixed policy data may be data corresponding to a fixed part of the policy task to be generated input in the preset data file, such as the location of the applicant or the insured's account, the date of birth, and each policy of the purchaseable policy. The amount of the fee is referred to the standard, etc., and the data of the fixed portion does not change as the actual situation of the user purchasing the policy changes. In this optional embodiment, the fixed policy data corresponding to the current post node extracted from the policy data corresponding to the policy to be generated may be used to calculate the policy data to be determined corresponding to the current post node, and finally the calculated policy to be determined is calculated. The data and the fixed policy data are determined as the input parameters, and the corresponding interface functions are called, thereby meeting the different needs of the insurance business, and the eligible policies can be successfully generated according to the actual situation of the user purchasing the policy.

In order to explain the specific implementation process of the step of calculating the policy data to be determined corresponding to the current post node by referring to the fixed policy data, and taking the financial billing information corresponding to the policy as the example, the calculation is performed with reference to the fixed post data corresponding to the current post node. The policy data to be determined includes: a reference standard for obtaining the amount of each policy fee to be paid from the fixed policy data; then, referring to the amount reference standard, adding each policy fee to be paid to obtain the financial charging information . For example, the user 1 needs to purchase three security services, and refer to the amount reference standard for the policy fees corresponding to the three security services, and add the three security service charges to obtain the policy payment amount for the user 1 to purchase the policy. It should be noted that, besides the above calculation methods, in the actual operation process, the actual calculation method of the policy fee can also be used for calculation. For example, a specific formula is used to calculate the policy fee that the user needs to pay, and the policy is paid. The amount of the fee.

Further, in order to remind the technician to perform maintenance processing in time when an abnormal situation occurs in the automatic generation process of the policy, in an optional embodiment of the present application, the method may further include: recording the policy processing status of different post nodes in the policy process. According to the recorded policy processing situation, if the post node having the policy processing abnormal condition is detected, querying the communication mode information of the related policy maintenance module; and querying, from the preset analysis database, the corresponding abnormality of the policy processing The reason information and the corresponding solution information; the information about the post node where the policy processing abnormal condition exists, together with the occurrence of the policy processing abnormality condition, the queried reason information and the corresponding solution information, Give the policy maintenance module. The preset analysis database stores different cause information and corresponding solution information corresponding to different policy processing abnormal conditions, and the information can be summarized by the technician according to the maintenance experience when different abnormal conditions occur in the automatic generation process of the policy. It can also be accumulated by the device side through machine learning; the policy maintenance module can be a unit module for maintaining the policy automatic generation system according to the abnormal condition existing in the automatic generation process of the policy, and the specific processing process can be referred to the prior art. The processing method will not be described here; the communication method information may include the email address of the policy maintenance module (Electronic) MAIL, E-mail) address, IP address, phone number, account number of instant messaging tool, etc. In the optional embodiment, after determining an abnormal situation in the automatic generation process of the policy, the corresponding suspected reason and the corresponding solution may be queried from the preset analysis database, and then the information obtained by the query is pushed to the policy in real time. The maintenance module performs timely maintenance and processing, finds the post node with abnormal conditions, and corrects its interface function in time to ensure that the policy automatically generates good operation.

Further, in order to explain the complete implementation process of the foregoing step 102, in the optional embodiment, the preset data file may also store location information corresponding to the interface function of the different post nodes, and the execution result corresponding to the interface function. The reference range, correspondingly, in step 102, the interface function corresponding to the current post node is invoked to implement the policy processing on the current post node, which may include: obtaining the location of the interface function corresponding to the current post node from the preset data file. The information and the corresponding execution result reference range; according to the obtained position information, the interface function corresponding to the current position node is called, and the interface function execution result is checked against the obtained execution result reference range; if the interface function execution result If it is within the execution result reference range, it is determined that the policy processing is successful on the current post node; if the interface function execution result is outside the execution result reference range, it is determined that the policy processing fails on the current post node. For example, the technician can edit the interface function corresponding to each post node according to the actual situation of each post node in processing the policy task, and then save the corresponding interface function location in the preset data file and save it together. The execution result reference range corresponding to the interface functions respectively, so that when the policy is automatically generated, the preset data file can be read, and the policy data corresponding to the current post node and the position of the corresponding interface function and the reference range of the execution result are obtained therefrom. The policy data is used as the input parameter, and the corresponding interface function at the position is called, and the obtained result is compared with the corresponding execution result reference range. If the interface function execution result is within the execution result reference range, it is determined on the current post node. The policy is successfully processed; otherwise, it is determined that the policy processing fails on the current post node. For example, if the current post node is the policy position node, the execution result of the corresponding interface function is the policy data to be generated, and the policy data is successfully entered. In the corresponding Results within a reference range, determined on a policy entered successfully processed job policy node.

Further, in order to meet the requirement for updating the policy data in the preset data file, in an optional embodiment of the present application, the method further includes: periodically or irregularly updating the insurance data saved in the preset data file; The step of obtaining the policy data corresponding to the current post node as the input parameter from the preset data file in step 102 may specifically include: obtaining the policy data corresponding to the current post node from the updated preset data file as the input Participation. For the optional embodiment, the preset data file may be updated periodically or irregularly, and the update operation may be adding new policy data or deleting, modifying policy data, and the like. If the update operation is periodically updated, it may periodically search for a specific website or server for updated content of the policy data according to the set interval time, and if so, download the policy data to be updated from the website or the server, and Local policy data is updated. If not, continue to wait for the interval to search again for a specific website or server and repeat the above scenario. Alternatively, the insurance company system may update the preset data file irregularly according to actual needs, and the update operation may be manually updated by a staff member, or the corresponding update button may be triggered to automatically search for an update of the corresponding policy data to a specific website or server. Content, automatic updates. In the above technical solution, after the call of the interface function corresponding to each post node is completed, the underwriting information generated in the final result is verified, and the policy number of the underwriting information is taken out after the verification is passed and recorded for subsequent preservation, Claims and other business use.

In order to further explain the content of the foregoing embodiment, an application scenario to which the application can be applied is given, but is not limited thereto: for example, when the policy is required to be issued in batches, the number of policies to be generated and the policy data are defined in advance, and the data is In the preset data file, using the above scheme, traversing each policy data in the preset data file, and repeatedly calling the interface function corresponding to each post node to generate a batch policy, wherein the name of the insured, the name of the insured, and the certificate Information such as numbers is automatically generated in the program, so the generated policies are different policies that are insured by different people. Compared with the current traditional methods, this method greatly improves the policy generation efficiency. For example, when doing promotional activities, a large number of policies will be underwritten at the same time. To ensure that the insurance company system can withstand the pressure in this scenario, it is necessary to conduct underwriting performance testing. Through the current traditional insurance policy mode, it is impossible to promote the corresponding test, and the above-mentioned batch out of policy method of the present scheme can realize the underwriting performance test, and the load pressure of the system can be quickly tested by the method of batch issuing the policy. situation.

Further, as a specific implementation of the method of FIG. 1, the embodiment of the present application provides a policy generating apparatus. As shown in FIG. 2, the apparatus includes: an acquiring unit 21, a calling unit 22, and a triggering unit 23. The obtaining unit 21 may be configured to: when receiving the policy generation instruction, obtain a post node currently in the policy flow; the calling unit 22 may be configured to obtain policy data corresponding to the post node from the preset data file as the input parameter And the interface function corresponding to the post node acquired by the obtaining unit 21 is used to implement the policy processing on the post node, wherein the policy data corresponding to the policy task to be generated is pre-stored in the preset data file; the triggering unit 23 can be used for If the policy is successfully processed on the post node, the next post node corresponding to the post node is triggered to continue the next policy processing by using the preset data file according to the sequence of the transfer operation between the post nodes in the policy flow, until the policy is generated and to be generated. The policy corresponding to the task. In the specific application scenario, in the actual insurance business, the policy data will have some unfixed data, that is, the policy data to be determined, such as the policy payment amount, the insured's ID number, etc., these non-fixed policy data will According to the actual situation of the user to purchase the policy, there is uncertainty, but when the policy is generated, the non-fixed policy data needs to be filled in the policy. Therefore, in order to meet the business needs of the insurance business, the eligible policy is successfully generated and called. The unit 22 is specifically configured to extract, from the policy data corresponding to the policy task to be generated, the fixed policy data corresponding to the post node; calculate the policy data to be determined corresponding to the post node by referring to the fixed policy data; and calculate the calculated policy data to be determined and Fixed policy data is determined as an entry.

In a specific application scenario, the calling unit 22 is specifically configured to obtain, if the policy data to be determined is the financial charging information corresponding to the policy, the reference standard for obtaining the amount of each policy fee to be paid from the fixed policy data; The standard adds up each policy fee that needs to be paid to obtain financial fee information. In a specific application scenario, in order to ensure the validity of the policy processing result of each post node in the policy flow, as shown in FIG. 3, the device further includes: a verification unit 24, an output unit 25, and a verification unit 24, which can be used. Performing pass-through verification, and/or database information verification, and/or data processing on the policy processing results on the post node; the output unit 25 may be used if the pass-through check fails, and/or the database information check If the failing, and/or the data processing fails, the next post node corresponding to the post node is stopped to perform the policy processing, and the corresponding alarm information is output; the triggering unit 23 may be specifically used to pass the qualification check, and/or After the database information verification and/or data processing is successful, the next post node corresponding to the post node is triggered to continue the policy processing according to the order of the flow operations between the post nodes in the policy flow, and will succeed. The processed data is sent to the next post node, further, so that the next post node is integrated into the process of policy processing. Data processing.

In a specific application scenario, the verification unit 24 may be specifically configured to obtain feature information of the insured person and/or the insured person's avatar from the policy processing result on the post node; and then generate insurance according to the character avatar feature information. Information about the person and/or the insured's avatar. In a specific application scenario, in order to remind the technician to perform maintenance processing in time when an abnormal situation occurs in the automatic generation process of the policy, as shown in FIG. 3, the device further includes: a recording unit 26, an inquiry unit 27, and a transmitting unit 28. The recording unit 26 can be used to record the policy processing status of the different post nodes in the policy process; the query unit 27 can be used to process the policy according to the policy recorded by the recording unit 26, and if the post node having the abnormality of the policy processing is detected, Querying the communication mode information of the related policy maintenance module; and querying the reason information corresponding to the abnormality of the policy processing and the corresponding solution information from the preset analysis database, and the preset analysis database stores different policy processing abnormal conditions respectively. The reason information and the corresponding solution information; the sending unit 28 can be used for the communication mode information queried by the query unit 27, and the relevant information of the post node having the abnormality of the policy processing, together with the abnormality of the policy processing, and the reason for the query Information and corresponding resolution information are sent to the policy maintenance module.

In a specific application scenario, the preset data file further stores location information of the interface function corresponding to the different post nodes, and an execution result reference range corresponding to the interface function, and the calling unit 22 may be specifically configured to use the preset data file. Obtaining the location information of the interface function corresponding to the current position node and the corresponding execution result reference range; according to the obtained location information, calling an interface function corresponding to the current position node, and obtaining the interface function execution result and the obtained interface function The execution result reference range is checked; if the interface function execution result is within the execution result reference range, it is determined that the policy processing is successful on the post node; if the interface function execution result is outside the execution result reference range, determining the policy on the post node Processing failed. In a specific application scenario, in order to meet the update requirement for the policy data in the preset data file, as shown in FIG. 3, the device further includes: an update unit 29. The update unit 29 may be configured to periodically or irregularly update the insurance data stored in the preset data file. The calling unit 22 may be further configured to obtain the corresponding preset data file from the update unit 29 and obtain the corresponding position node. The policy data is used as input. It should be noted that other corresponding descriptions of the functional units involved in the policy generating apparatus provided by the embodiment of the present application may be referred to the corresponding description in FIG. 1 and will not be further described herein.

Based on the method shown in FIG. 1 , correspondingly, the embodiment of the present application further provides a storage medium, where the computer program is stored, and when the program is executed by the processor, the policy generation method shown in FIG. 1 is implemented. Based on the foregoing method shown in FIG. 1 and the embodiment of the virtual device as shown in FIG. 2 and FIG. 3, in order to achieve the above object, the embodiment of the present application further provides a physical device generated by a policy, where the physical device includes a storage medium. And a processor; a storage medium for storing a computer program; the processor for executing the computer program to implement the policy generation method as shown in FIG. By applying the technical solution of the present application, the time for issuing the new contract is saved, and the efficiency of the new contract is improved, and the manual participation can be reduced, the accuracy of the new contract can be improved, and the human resources can be saved.

Through the description of the above embodiments, those skilled in the art can clearly understand that the present application can be implemented by hardware, or by software plus a necessary general hardware platform. Based on such understanding, the technical solution of the present application may be embodied in the form of a software product, which may be stored in a non-volatile storage medium (which may be a CD-ROM, a USB flash drive, a mobile hard disk, etc.), including several The instructions are for causing a computer device (which may be a personal computer, server, or network device, etc.) to perform the methods described in various implementation scenarios of the present application. A person skilled in the art can understand that the drawings are only a schematic diagram of a preferred implementation scenario, and the modules or processes in the drawings are not necessarily required to implement the application. A person skilled in the art may understand that the modules in the apparatus in the implementation scenario may be distributed in the apparatus for implementing the scenario according to the implementation scenario description, or may be correspondingly changed in one or more devices different from the implementation scenario. The modules of the above implementation scenarios may be combined into one module, or may be further split into multiple sub-modules. The above serial numbers are only for the description, and do not represent the advantages and disadvantages of the implementation scenario. The above disclosure is only a few specific implementation scenarios of the present application, but the present application is not limited thereto, and any changes that can be made by those skilled in the art should fall within the protection scope of the present application.

Claims (32)

 A method for generating a policy, comprising: When receiving the policy generation instruction, the current position node in the policy process is obtained; Obtaining policy data corresponding to the post node from the preset data file as an input parameter, and calling an interface function corresponding to the post node to implement policy processing on the post node, where the preset data file is pre- Saving the policy data corresponding to the policy task to be generated; If the policy is successfully processed on the post node, triggering the next post node corresponding to the post node to continue the next step by using the preset data file according to the sequence of the transfer operation between the post nodes in the outbound policy flow. The policy is processed until a policy corresponding to the policy task to be generated is generated. The method according to claim 1, wherein the obtaining the policy data corresponding to the post node from the preset data file as the input parameter comprises: Extracting the fixed policy data corresponding to the post node from the policy data corresponding to the policy task to be generated; Calculating to-be-determined policy data corresponding to the post node with reference to the fixed policy data; The calculated policy data to be determined and the fixed policy data are determined as input parameters. The method according to claim 2, wherein, if the policy data to be determined is the financial charge information corresponding to the policy, calculating the policy data to be determined corresponding to the post node with reference to the fixed policy data, comprising: Obtaining an amount reference standard for each policy fee to be paid from the fixed policy data; Referring to the amount reference standard, each policy fee that needs to be paid is added to obtain the financial charging information. The method according to claim 1, wherein the next post node corresponding to the post node is triggered to continue the policy by using the preset data file according to the sequence of the transfer operation between the post nodes in the outbound policy flow. Before processing, the method further includes: Performing pass-through verification, and/or database information verification, and/or data processing on the policy processing results on the post node; If the pass-through check fails, and/or the database information check fails, and/or the data processing fails, stopping triggering the next post node corresponding to the post node to perform policy processing, and outputting corresponding alarm information; The next post node corresponding to the post node is triggered to continue the next policy processing by using the preset data file according to the sequence of the transfer operation between the post nodes in the policy flow, which includes: If the pass verification, and/or the verification by the database information, and/or the data processing is successful, triggering the next post node corresponding to the post node according to the sequence of the transfer operation between the post nodes in the outbound policy flow And continuing to perform the next policy processing by using the preset data file, and transmitting the successfully processed data to the next post node, so that the next post node combines the successfully processed data in the process of performing policy processing . The method according to claim 4, wherein the data processing of the policy processing result on the post node comprises: Obtaining feature avatar feature information of the applicant and/or the insured from the policy processing result on the post node; And generating avatar information of the applicant and/or the insured according to the character avatar feature information. The method of claim 1 further comprising: Recording the policy processing status of different post nodes in the outbound policy process; According to the recorded policy processing situation, if the post node having the abnormality of the policy processing is detected, the communication mode information of the related policy maintenance module is queried; The reason information corresponding to the abnormality of the policy processing and the corresponding solution information are queried from the preset analysis database, and the reason information corresponding to different policy processing abnormal conditions and the corresponding solution manner are saved in the preset analysis database. information; The information about the post node in which the policy processing abnormal condition exists is sent to the policy maintenance module together with the policy processing abnormal condition, the queried the cause information, and the corresponding solution information. The method according to claim 1, wherein the preset data file further stores location information corresponding to the interface function of the different post nodes, and an execution result reference range corresponding to the interface function, the call An interface function corresponding to the post node, implementing policy processing on the post node, including: Obtaining, from the preset data file, the location information of the corresponding interface function of the current station node and the corresponding execution result reference range; Determining, according to the obtained location information, an interface function corresponding to the current station node, and checking the interface function execution result and the obtained execution result reference range; If the interface function execution result is within the execution result reference range, determining that the policy processing is successful on the post node; If the interface function execution result is outside the execution result reference range, it is determined that the policy processing fails on the post node. The method of claim 1 further comprising: Periodically or irregularly updating the insurance data saved in the preset data file; Obtaining the policy data corresponding to the post node from the preset data file as the input parameter, specifically includes: The policy data corresponding to the post node is obtained from the updated preset data file as an input parameter. A policy generating device, comprising: The obtaining unit is configured to acquire a post node currently in the policy flow when receiving the policy generation instruction; a calling unit, configured to obtain policy data corresponding to the post node from the preset data file as an input parameter, and invoke an interface function corresponding to the post node to implement policy processing on the post node, where the pre-processing The policy data corresponding to the policy task to be generated is pre-stored in the data file; a triggering unit, configured to trigger a next post node corresponding to the post node to use the preset data according to a sequence of flow operations between the post nodes in the outbound policy process, if the policy is successfully processed on the post node The file proceeds to the next policy processing until a policy corresponding to the policy task to be generated is generated. The device according to claim 9, wherein the calling unit is configured to: extract, from the policy data corresponding to the policy task to be generated, the fixed policy data corresponding to the post node; and calculate the information with the fixed policy data. The policy data to be determined corresponding to the post node is determined; the calculated policy data to be determined and the fixed policy data are determined as input parameters. The device according to claim 10, wherein the calling unit is further configured to: if the policy data to be determined is the financial charging information corresponding to the policy, obtain, from the fixed policy data, each item to be paid The amount of the policy fee is referred to the standard; referring to the amount reference standard, each of the policy fees to be paid is added to obtain the financial charging information. The device according to claim 9, wherein the device further comprises: a verification unit and an output unit; and the verification unit is configured to perform a qualification check on the policy processing result on the post node, And/or database information verification, and/or data processing; the output unit is configured to stop triggering if the pass verification fails, and/or the database information verification fails, and/or the data processing fails The next post node corresponding to the post node performs policy processing, and outputs corresponding alarm information; the trigger unit is specifically configured to pass the qualification check, and/or pass the database information check, and/or the data processing succeeds, And the next post node corresponding to the post node is triggered to continue the next policy processing by using the preset data file according to the sequence of the transfer operation between the post nodes in the policy flow, and the successfully processed data is sent to The next post node causes the next post node to combine the successfully processed data in the process of policy processing. The device according to claim 12, wherein the checking unit is configured to obtain feature image information of the insured person and/or the insured person from the policy processing result on the post node; The character avatar feature information generates avatar information of the applicant and/or the insured. The device according to claim 9, wherein the device further comprises: a recording unit, configured to record a policy processing situation of different post nodes in the outbound policy process; The query unit is configured to query the communication mode information of the related policy maintenance module according to the recorded policy processing situation, and if the post node having the policy processing abnormal condition is detected; and query and the policy processing from the preset analysis database The reason information corresponding to the abnormal situation and the corresponding solution information, wherein the preset analysis database stores different cause information corresponding to the policy processing abnormal condition and corresponding solution information; a sending unit, configured to send, by using the communication mode information, related information of a post node having a policy processing abnormal condition, together with the policy processing abnormal condition, the queried the reason information, and corresponding solution information, to the Policy maintenance module. The device according to claim 9, wherein the preset data file further stores location information corresponding to the interface function of the different post nodes, and an execution result reference range corresponding to the interface function, the call The unit is specifically configured to obtain, from the preset data file, the location information of the interface function corresponding to the current station node and the corresponding execution result reference range; and according to the obtained location information, the call corresponds to the currently located station node. The interface function, and the interface function execution result is checked against the obtained execution result reference range; if the interface function execution result is within the execution result reference range, determining the policy processing on the post node Succeeded; if the interface function execution result is outside the execution result reference range, it is determined that the policy processing fails on the post node. The device according to claim 9, wherein the device further comprises: an update unit; The update unit is configured to periodically or irregularly update the insurance data saved in the preset data file; the calling unit is specifically configured to obtain, according to the updated preset data file, the location corresponding to the post node. The policy data is used as input. A storage medium having a computer program stored thereon, wherein the program is implemented by a processor to implement a policy generation method, comprising: when receiving a policy generation instruction, acquiring a post node currently in a policy flow; Obtaining policy data corresponding to the post node from the preset data file as an input parameter, and calling an interface function corresponding to the post node to implement policy processing on the post node, where the preset data file is pre- Preserving the policy data corresponding to the policy task to be generated; if the policy processing is successful on the post node, triggering the next post node corresponding to the post node according to the sequence of the flow operation between the post nodes in the outbound policy flow The preset data file proceeds to the next policy processing until a policy corresponding to the policy task to be generated is generated. The storage device according to claim 17, wherein the program is executed by the processor to obtain the policy data corresponding to the post node from the preset data file as an input parameter, including: from to be generated The policy data corresponding to the post node is extracted from the policy data corresponding to the policy task; the to-be-determined policy data corresponding to the post node is calculated by referring to the fixed policy data; and the calculated policy data to be determined and the calculated The fixed policy data is determined as an input parameter. The storage device according to claim 18, wherein the method is implemented when the program is executed by the processor, and if the policy data to be determined is the financial charging information corresponding to the policy, the fixed policy data is calculated. The to-be-determined policy data corresponding to the post node includes: an amount reference standard for obtaining each policy fee to be paid from the fixed policy data; and referring to the amount reference standard, each of the required payment The policy fees are added together to obtain the financial charge information. The storage device according to claim 17, wherein the program is executed by the processor to trigger a next job node corresponding to the post node according to a sequence of flow operations between the post nodes in the outbound policy flow. Before proceeding to the policy processing by using the preset data file, the method further includes: performing a qualification check on the policy processing result on the post node, and/or database information verification, and/or data processing; If the failing, and/or the database information verification fails, and/or the data processing fails, the next post node corresponding to the post node is stopped to perform policy processing, and corresponding alarm information is output; And the next post node corresponding to the post node is triggered to continue the next policy processing by using the preset data file according to the sequence of the transfer operation between the post nodes in the policy flow, which includes: And/or through the database information verification, and/or the data processing succeeds, triggering the next post node corresponding to the post node to use the preset data according to the flow operation sequence between the post nodes in the outbound policy flow. The file proceeds to the next policy processing, and the successfully processed data is sent to the next post node, so that the next post node combines the successfully processed data in the process of policy processing. The storage device according to claim 20, wherein said program is executed by a processor to perform data processing on a policy processing result on said post node, comprising: processing from a policy on said post node In the result, the character avatar feature information of the policyholder and/or the insured person is obtained; and the avatar information of the policyholder and/or the insured person is generated according to the character avatar feature information. The storage device according to claim 17, wherein the implementing the method when the program is executed by the processor further comprises: recording a policy processing situation of different post nodes in the outbound policy flow; according to the recorded policy If the post node detecting the abnormality of the policy processing is detected, the communication mode information of the related policy maintenance module is queried; and the reason information corresponding to the abnormality of the policy processing and the corresponding solution manner are queried from the preset analysis database. Information, the preset analysis database stores different cause information corresponding to the policy processing abnormal conditions and corresponding solution information; through the communication mode information, relevant information of the post node in which the policy processing abnormal condition exists, together with The policy processing abnormality status, the queried reason information, and corresponding solution information are sent to the policy maintenance module. The storage device according to claim 17, wherein the preset data file further stores location information corresponding to the interface function of the different post nodes, and an execution result reference range corresponding to the interface function, When the program is executed by the processor, the interface function corresponding to the post node is implemented, and the policy processing on the post node is implemented, including: obtaining the location of the interface function corresponding to the current post node from the preset data file. And the corresponding execution result reference range; according to the obtained location information, calling an interface function corresponding to the currently located post node, and checking the interface function execution result and the obtained execution result reference range If the interface function execution result is within the execution result reference range, determining that the policy processing is successful on the post node; if the interface function execution result is outside the execution result reference range, determining The policy processing on the post node failed. The storage device according to claim 17, wherein the implementing the method when the program is executed by the processor further comprises: periodically or irregularly updating the insurance data saved in the preset data file; The obtaining the policy data corresponding to the post node from the preset data file as the input parameter includes: obtaining the policy data corresponding to the post node from the updated preset data file as the input parameter. A policy generation device includes a storage medium, a processor, and a computer program stored on the storage medium and operable on the processor, wherein the processor implements a policy generation method when the program is executed, including: Upon receiving the policy generation instruction, the current position node in the policy flow is obtained; the policy data corresponding to the post node is obtained as an input parameter from the preset data file, and an interface function corresponding to the post node is invoked to implement In the policy processing on the post node, the policy data corresponding to the policy task to be generated is pre-stored in the preset data file; if the policy processing is successful on the post node, according to the post node between the outbound policy flows The flow of the job sequence triggers the next post node corresponding to the post node to continue the next policy processing by using the preset data file until a policy corresponding to the policy task to be generated is generated. The device according to claim 25, wherein the processor executes the program to obtain the policy data corresponding to the post node from the preset data file as an input parameter, including: from to be generated The policy data corresponding to the post node is extracted from the policy data corresponding to the policy task; the to-be-determined policy data corresponding to the post node is calculated by referring to the fixed policy data; and the calculated policy data to be determined and the calculated The fixed policy data is determined as an input parameter. The device according to claim 26, wherein the method is implemented when the processor executes the program, and if the policy data to be determined is financial charge information corresponding to a policy, the calculation is performed with reference to the fixed policy data. The to-be-determined policy data corresponding to the post node includes: an amount reference standard for obtaining each policy fee to be paid from the fixed policy data; and referring to the amount reference standard, each of the required payment The policy fees are added together to obtain the financial charge information. The device according to claim 25, wherein the processor executes the program to trigger a next post node corresponding to the post node according to a sequence of flow operations between the post nodes in the outbound policy flow Before proceeding to the policy processing by using the preset data file, the method further includes: performing a qualification check on the policy processing result on the post node, and/or database information verification, and/or data processing; If the failing, and/or the database information verification fails, and/or the data processing fails, the next post node corresponding to the post node is stopped to perform policy processing, and corresponding alarm information is output; When the processor executes the program, the next job node corresponding to the post node is triggered to continue the next policy processing according to the sequence of the flow between the post nodes in the outbound policy flow. Specifically, if the pass verification check, and/or the verification by the database information, and/or the data processing succeeds, triggering the flow corresponding to the post node according to the flow operation sequence between the post nodes in the outbound policy flow. The next post node proceeds to the next policy processing by using the preset data file, and sends the successfully processed data to the next post node, so that the next post node combines the policy in the process of policy processing. Successfully processed data. The device according to claim 28, wherein said processor performs data processing on a policy processing result on said post node when said program is executed, including: processing from a policy on said post node In the result, the character avatar feature information of the policyholder and/or the insured person is obtained; and the avatar information of the policyholder and/or the insured person is generated according to the character avatar feature information. The device according to claim 25, wherein the implementing the method when the processor executes the program further comprises: recording a policy processing situation of different post nodes in the outbound policy flow; according to the recorded policy If the post node detecting the abnormality of the policy processing is detected, the communication mode information of the related policy maintenance module is queried; and the reason information corresponding to the abnormality of the policy processing and the corresponding solution manner are queried from the preset analysis database. Information, the preset analysis database stores different cause information corresponding to the policy processing abnormal conditions and corresponding solution information; through the communication mode information, relevant information of the post node in which the policy processing abnormal condition exists, together with The policy processing abnormality status, the queried reason information, and corresponding solution information are sent to the policy maintenance module. The device according to claim 25, wherein the preset data file further stores location information corresponding to the interface function of the different post nodes, and an execution result reference range corresponding to the interface function, the processing When the program is executed, the interface function corresponding to the post node is implemented, and the policy processing on the post node is implemented, including: obtaining the location of the interface function corresponding to the current post node from the preset data file. And the corresponding execution result reference range; according to the obtained location information, calling an interface function corresponding to the currently located post node, and checking the interface function execution result and the obtained execution result reference range If the interface function execution result is within the execution result reference range, determining that the policy processing is successful on the post node; if the interface function execution result is outside the execution result reference range, determining The policy processing on the post node failed. The device according to claim 25, wherein the implementing the method when the processor executes the program further comprises: periodically or irregularly updating the insurance data saved in the preset data file; When the processor executes the program, the policy data corresponding to the post node is obtained from the preset data file as an input parameter, and the method includes: acquiring, from the updated preset data file, the location corresponding to the post node. Policy data is used as input.