CN116308826A - Insurance product online method, apparatus, equipment and storage medium - Google Patents
Insurance product online method, apparatus, equipment and storage medium Download PDFInfo
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Abstract
The invention relates to the technical field of internet products and discloses an insurance product online method, an insurance product online device, insurance product online equipment and an insurance product online storage medium. The method for on-line insurance product comprises the following steps: acquiring product data information and service data information related to an insurance product; storing the product data information and the service data information into a pre-constructed data pool, and classifying the data set in the data pool; carrying out product information configuration and combination treatment according to the classification treatment result to obtain a target insurance product; and (5) carrying out online processing on the target insurance product. Through the mode, the invention can realize unified management of the insurance product data, and the data information of the target insurance product is communicated to all relevant service systems, so that the closed-loop online of the target insurance product is realized, the online period of the internet insurance product is effectively shortened, and the problems of long online period and low iteration speed of the existing internet insurance product are solved.
Description
Technical Field
The present invention relates to the field of internet products, and in particular, to an online insurance product method, device, apparatus and storage medium.
Background
With the rapid development of internet technology and information technology, internet insurance has gradually become a main channel of insurance enterprises. Whether the traditional insurance company or insurance agency is faced with the rise of internet insurance, the technology is supported in a dispute, and the online development is carried out. Therefore, the speed of online of internet insurance products determines the development prospect of an insurance organization in the field of internet insurance.
In the prior art, the development flow of the internet insurance product is complex, the whole flow of some internet insurance products often involves a plurality of business lines, meanwhile, product data is maintained in business systems of the plurality of business lines, namely, the product data is not uniformly managed, so that when a new product is on line each time or a certain existing product is functionally modified, developers of the plurality of business lines are required to participate in multiple rounds of requirement review, design review, test and the like at the same time, and the product can be ensured to be on line without errors, however, the product on-line period is longer, the iteration speed is slow, and the requirements of enterprises on preempting market first machines and coping with the rapid iteration of product diversification cannot be met.
Disclosure of Invention
The invention provides an insurance product online method, an insurance product online device, insurance product online equipment and a storage medium, which can effectively shorten the online period of an internet insurance product and solve the problems of longer online period and low iteration speed of the existing internet insurance product.
In order to solve the technical problems, the invention adopts a technical scheme that: provided is an insurance product online method, comprising:
acquiring product data information and service data information related to an insurance product;
storing the product data information and the service data information into a pre-constructed data pool, and classifying a data set in the data pool;
carrying out product information configuration and combination treatment according to the classification treatment result to obtain a target insurance product;
and carrying out online processing on the target insurance product.
According to one embodiment of the present invention, the acquiring product data information and business data information related to the insurance product includes:
acquiring a field related to the insurance product from a pre-constructed product system, screening the field, and reserving the field related to the insurance product on line to obtain the product data information;
and acquiring service data information related to the insurance product from a plurality of pre-constructed service systems.
According to one embodiment of the present invention, the online processing of the target insurance product includes:
pushing the data information of the target insurance product to a preset database through a release button, and generating a product interface for acquiring the data information of the target insurance product;
and packaging the product interface into queue information and sending the queue information to each service system.
According to one embodiment of the present invention, the storing the product data information and the service data information in a pre-constructed data pool, and classifying the data set in the data pool includes:
storing the product data information and the service data information into a pre-constructed data pool;
and classifying the data set in the data pool according to the responsibility information, the risk base information, the product base information and the product rule.
According to an embodiment of the present invention, the product information configuration and combination processing according to the classification processing result, and obtaining the target insurance product includes:
creating a responsibility group dangerous seed and configuring the responsibility group dangerous seed according to the responsibility information and the dangerous seed basic information;
combining and configuring the dangerous seeds according to the responsible group dangerous seeds and the dangerous seed basic information to obtain a dangerous seed group product;
and configuring the dangerous group products according to the product basic information and the product rules to obtain the target insurance product.
According to one embodiment of the invention, the creating a responsibility group risk and configuring the responsibility group risk according to the responsibility information and the risk basis information includes:
creating a responsibility group dangerous seed and calling a preset dangerous seed configuration template according to the dangerous seed type of the responsibility group dangerous seed;
configuring the responsibility group dangerous seed according to the responsibility information and the dangerous seed basic information in the dangerous seed configuration template;
and after the release approval of each business system is passed, releasing the configured liability group dangerous seed.
According to one embodiment of the present invention, the combining and configuring the risk according to the responsibility group risk and the risk basic information to obtain a risk group product includes:
selecting basic dangerous seeds according to the dangerous seed basic information;
combining the responsibility group risk and the basic risk;
determining a product type according to the dangerous seed combination result, and calling a preset product configuration template according to the product type;
and configuring the product configuration template according to the dangerous seed basic information to obtain the dangerous seed group product.
In order to solve the technical problems, the invention adopts another technical scheme that: there is provided an insurance product online device comprising:
the acquisition module is used for acquiring product data information and service data information related to the insurance product;
the storage and classification module is used for storing the product data information and the service data information into a pre-constructed data pool and classifying a data set in the data pool;
the configuration module is used for carrying out product information configuration and combination processing according to the classification processing result to obtain a target insurance product;
and the online module is used for carrying out online processing on the target insurance product.
In order to solve the technical problems, the invention adopts a further technical scheme that: there is provided a computer device comprising: the system comprises a memory, a processor and a computer program stored in the memory and capable of running on the processor, wherein the processor realizes the insurance product online method when executing the computer program.
In order to solve the technical problems, the invention adopts a further technical scheme that: there is provided a computer storage medium having stored thereon a computer program which, when executed by a processor, implements the insurance product online method described above.
The beneficial effects of the invention are as follows: acquiring product data information and business data information related to insurance products; storing the product data information and the service data information into a pre-constructed data pool, and classifying the data set in the data pool; carrying out product information configuration and combination treatment according to the classification treatment result to obtain a target insurance product; the target insurance product is processed on line, unified management of insurance product data can be achieved, a new insurance product is processed on line in a closed loop mode, the on line period of the internet insurance product is effectively shortened, and the problems that the existing internet insurance product is long in on line period and slow in iteration speed are solved.
Drawings
FIG. 1 is a flow chart of an insurance product online method according to an embodiment of the invention;
FIG. 2 is a flowchart of step S103 in an insurance product online method according to an embodiment of the present invention;
FIG. 3 is a schematic diagram of an embodiment of an insurance product on-line device;
FIG. 4 is a schematic diagram of a computer device according to an embodiment of the present invention;
fig. 5 is a schematic structural view of a computer storage medium according to an embodiment of the present invention.
Detailed Description
The following description of the embodiments of the present invention will be made clearly and fully with reference to the accompanying drawings, in which it is evident that the embodiments described are only some, but not all embodiments of the invention. All other embodiments, which can be made by those skilled in the art based on the embodiments of the invention without making any inventive effort, are intended to be within the scope of the invention.
The terms "first," "second," "third," and the like in this disclosure are used for descriptive purposes only and are not to be construed as indicating or implying a relative importance or implicitly indicating the number of technical features indicated. Thus, a feature defining "a first", "a second", and "a third" may explicitly or implicitly include at least one such feature. In the description of the present invention, the meaning of "plurality" means at least two, for example, two, three, etc., unless specifically defined otherwise. All directional indications (such as up, down, left, right, front, back … …) in embodiments of the present invention are merely used to explain the relative positional relationship, movement, etc. between the components in a particular gesture (as shown in the drawings), and if the particular gesture changes, the directional indication changes accordingly. Furthermore, the terms "comprise" and "have," as well as any variations thereof, are intended to cover a non-exclusive inclusion. For example, a process, method, system, article, or apparatus that comprises a list of steps or elements is not limited to only those listed steps or elements but may include other steps or elements not listed or inherent to such process, method, article, or apparatus.
Reference herein to "an embodiment" means that a particular feature, structure, or characteristic described in connection with the embodiment may be included in at least one embodiment of the invention. The appearances of such phrases in various places in the specification are not necessarily all referring to the same embodiment, nor are separate or alternative embodiments mutually exclusive of other embodiments. Those of skill in the art will explicitly and implicitly appreciate that the embodiments described herein may be combined with other embodiments.
FIG. 1 is a flow chart of an insurance product online method according to an embodiment of the invention. It should be noted that, if there are substantially the same results, the method of the present invention is not limited to the flow sequence shown in fig. 1. As shown in fig. 1, the method comprises the steps of:
step S101: product data information and business data information related to the insurance product are acquired.
In step S101, product data information related to insurance products includes insurance applicant, insured person, premium, insurance amount, etc.; the business data information related to the insurance product includes contract insurance rules, underwriting rules, electronic policy presentation rules, security alterations, and the like. There may be hundreds of fields for product data information required for an insurance product, but in practice there may be fields that are not related to the insurance product, i.e. fields that are not insurance products. Each insurance product may involve multiple business lines such as contracts, security, claims, finance, and customer complaints, and therefore product data information and business data information associated with the insurance product may be extracted.
Typically, the product data information is stored in a separate system from the service data information. In one embodiment, the product data information is pre-stored in the product system, the service data information is pre-stored in the service system, the product system can store product data information related to insurance products and product data information related to non-insurance products, and the service system can store service data information related to insurance products and service data information related to non-insurance products on a plurality of different service lines. According to the embodiment, fields related to the insurance product can be obtained from a pre-constructed product system, the fields are screened, the fields related to the insurance product on-line are reserved, and product data information is obtained; and acquiring service data information related to the insurance product from the pre-constructed multiple service systems. According to the embodiment, the fields related to the online insurance product are reserved through screening treatment of the fields, so that the data redundancy can be reduced, the occupation of storage resources is avoided, and meanwhile, the data processing efficiency is improved.
Step S102: and storing the product data information and the service data information into a pre-constructed data pool, and classifying the data set in the data pool.
In step S102, product data information related to the insurance product is stripped from the product system, service data information related to the insurance product in each service line is stripped from the service system, and the product data information and the service data information are uniformly stored in the same data pool, so that data uniform management can be realized, data synchronization is facilitated, and the data information of the insurance product can be communicated to all related service systems through the data pool.
The embodiment stores the product data information and the service data information into a pre-constructed data pool, and classifies the data set in the data pool according to responsibility information, risk base information, product base information and product rules.
Step S103: and carrying out product information configuration and combination processing according to the classification processing result to obtain the target insurance product.
In step S103, the data set in the data pool is configured by a system and different levels of combination are implemented, such as a responsibility group risk, a risk group product, and the like, so as to obtain a target insurance product. The specific configuration flow can be configured according to the liability group dangerous seed, the dangerous seed group product and the product rule in sequence.
Further, referring to fig. 2, step S103 may further include the following steps:
step S201: creating a responsibility group risk and configuring the responsibility group risk according to the responsibility information and the risk base information.
In step S201, creating a responsibility group dangerous seed and calling a preset dangerous seed configuration template according to the dangerous seed type of the responsibility group dangerous seed; configuring a responsibility group dangerous seed according to the responsibility information and the dangerous seed basic information in a dangerous seed configuration template; and after the release approval of each business system is passed, releasing the configured liability group dangerous seed.
Specifically, creating a responsibility group dangerous seed to obtain a dangerous seed code and a name, and firstly configuring basic information of the dangerous seed, such as basic information, payment limit, guarantee period, family rate, fraction rate discount, regional rate discount, no claim discount and other information configuration; then newly adding a basic plan, selecting responsibilities corresponding to the basic plan, and configuring attributes corresponding to the responsibilities; after the configuration of the liability group dangerous seed is finished, clicking and publishing the information of the liability group dangerous seed is published. Further, before issuing the information of the risk of the responsibility group, submitting an approval process to each business system, approving by each business department, and after the issuing approval of each business system passes, issuing the configured risk of the responsibility group.
In one embodiment, the configuration responsibility group risk can be configured as follows: the method comprises the steps of adding a responsibility group risk, adding a code and a name of the novel responsibility group risk, configuring basic information of the risk, configuring payment, configuring a check and insurance, configuring family rate discount, configuring family number rate discount, configuring regional rate discount, configuring whether a claim benefit exists or not, adding a basic plan, configuring responsibility, configuring a responsibility secondary responsibility attribute, configuring a responsibility secondary responsibility payment item attribute, configuring a shared insurance/shared claim free amount, configuring a service, configuring a basic plan rate, adding optional responsibility planning, configuring a responsibility secondary attribute, configuring a responsibility secondary responsibility payment item attribute, configuring a service, configuring optional responsibility rate, generating a risk almost, configuring risk period stop selling time, initiating approval flow, and issuing the risk after approval is passed.
Step S202: and combining and configuring the dangerous seeds according to the responsible group dangerous seeds and the dangerous seed basic information to obtain a dangerous seed group product.
In step S202, published risk types including a base risk type and a responsibility group risk type are selected; combining the responsibility group risk seed and the basic risk seed; determining a product type according to the dangerous seed combination result, and calling a preset product configuration template according to the product type; and configuring a product configuration template according to the dangerous seed basic information to obtain a dangerous seed group product.
Specifically, when the product is configured, the published dangerous seeds are selected, wherein the published dangerous seeds can comprise basic dangerous seeds and responsibility group dangerous seeds, then the selected dangerous seeds are combined, the product type is determined according to the dangerous seed combination result, a preset product configuration template is called according to the product type, for example, basic dangerous seeds are configured, whether the basic dangerous seeds can be given away, whether the HRC is performed or not, and the product configuration template is configured according to the basic information of the dangerous seeds, so that the dangerous seed group product is obtained.
Step S203: and configuring the dangerous group products according to the basic information of the products and the product rules to obtain the target insurance products.
In step S203, the product rules include contract rules, security rules, check rules, policy rules, and the like, and the target insurance product may be an internet insurance product of different insurance companies. In one embodiment, when the product rules are configured, each time a product rule is configured, an approval flow is initiated, and when the approval of all the product rules is passed, an insurance group product is issued to obtain a target insurance product.
In one embodiment, the risk group product may be configured as follows: selecting published dangerous seeds, setting basic dangerous seeds, selecting whether the dangerous seeds can be given, setting the effective period of a product, inputting the name of the product, generating a product code, configuring product rules, initiating an approval flow, and publishing the product after approval passes, so that the configuration of the product of the dangerous seed group is completed. When the product rules are configured, the application rules, the verification rules, the security rules, the claim settlement rules and the medical rules can be sequentially configured, approval flows are initiated after the configuration of each product rule is completed, and when the approval of all the product rules is passed, dangerous group products are issued.
Step S104: and (5) carrying out online processing on the target insurance product.
In step S104, pushing the data information of the target insurance product to a preset database through a release button, and generating a product interface for acquiring the data information of the target insurance product; and packaging the product interface into queue information and sending the queue information to each service system. Further, the approval process is submitted to each business system before the target insurance product is issued, each business department performs approval, and after the issuing approval of each business system passes, the data information of the target insurance product is pushed to a preset database through an issuing button.
The online method of the insurance product of the embodiment of the invention obtains the product data information and the service data information related to the insurance product; storing the product data information and the service data information into a pre-constructed data pool, and classifying the data set in the data pool; carrying out product information configuration and combination treatment according to the classification treatment result to obtain a target insurance product; the target insurance product is processed on line, unified management of insurance product data can be achieved, and data information of the target insurance product is communicated to all relevant service systems, so that closed-loop on-line of a new insurance product is achieved. Based on the online insurance product method, when each new insurance product is online, the service system only needs to configure the data information of the target insurance product through the platform, development and test personnel participation are not needed, the online period of the internet insurance product is effectively shortened, and the problems of long online period and low iteration speed of the existing internet insurance product are solved.
On the basis of the above embodiment, in an implementation embodiment, after step S104, the method further includes:
when the guarantee requirement of a user on a target insurance product is received, carrying out product packaging treatment on the target insurance product to obtain a marketable target insurance product; performing insurance application flow and page template setting on marketable target insurance products to obtain jettable target insurance products; when the target insurance product which can be put in is put in the terminal, a test link corresponding to the target insurance product which can be put in is generated; performing insurance application test on the target insurance product which can be put in according to the test link, and generating a test result corresponding to the target insurance product which can be put in; and under the condition that the test result is passed, putting the target insurance product which can be put on the shelf to obtain the target insurance product in the selling process.
In the embodiment, after the sales product completes the application process and the page template, namely, the setting of the application page template, the obtained target insurance product which can be put in the terminal, meanwhile, the test link of the target insurance product which can be put in at the corresponding terminal can be generated in real time, the application test of the target insurance product which can be put in can be carried out on line through the test link, and the corresponding test result can be obtained after the test is completed. If the test result is not passed, the previous steps can be re-executed to modify the information related to the target insurance product, and the process is circulated until the test result is passed; and under the condition that the test result is passed, the target insurance product which can be put in can be put on shelf, so that the target insurance product in the selling process can be obtained. Since the sales time of the target insurance product is typically limited by the user-provided on-line time, the present application supports specified time-to-shelf and immediate-to-shelf.
Fig. 3 is a schematic structural view of an insurance product on-line device according to an embodiment of the present invention. As shown in fig. 3, the apparatus 30 includes an acquisition module 31, a storage and classification module 32, a configuration module 33, and an online module.
The acquiring module 31 is configured to acquire product data information and service data information related to an insurance product;
the storage and classification module 32 is used for storing the product data information and the service data information into a pre-constructed data pool and classifying the data set in the data pool;
the configuration module 33 is configured to perform product information configuration and combination processing according to the classification processing result to obtain a target insurance product;
the online module 34 is used for online processing the target insurance product.
Further, when the acquiring module 31 performs the step of acquiring the product data information and the service data information related to the insurance product, acquiring the field related to the insurance product from the pre-constructed product system, screening the field, and reserving the field related to the insurance product on line to obtain the product data information; and acquiring service data information related to the insurance product from the pre-constructed multiple service systems.
Further, the storing and classifying module 32 stores the product data information and the service data information into the pre-constructed data pool when performing the steps of storing the product data information and the service data information into the pre-constructed data pool and classifying the data set in the data pool; and classifying the data set in the data pool according to the responsibility information, the risk base information, the product base information and the product rule.
Further, the step of obtaining the target insurance product by the configuration module 33 after performing the product information configuration and the combination processing according to the classification processing result further comprises the steps of:
creating a responsibility group dangerous seed and configuring the responsibility group dangerous seed according to the responsibility information and the dangerous seed basic information;
combining and configuring the dangerous seeds according to the responsible group dangerous seeds and the basic information of the dangerous seeds to obtain a dangerous seed group product;
and configuring the dangerous group products according to the basic information of the products and the product rules to obtain the target insurance products.
Specifically, the step of creating a responsibility group risk and configuring the responsibility group risk based on the responsibility information and the risk base information further comprises:
creating a responsibility group dangerous seed and calling a preset dangerous seed configuration template according to the dangerous seed type of the responsibility group dangerous seed;
configuring a responsibility group dangerous seed according to the responsibility information and the dangerous seed basic information in a dangerous seed configuration template;
and after the release approval of each business system is passed, releasing the configured liability group dangerous seed.
Specifically, the steps of combining and configuring the dangerous seeds according to the responsible group dangerous seeds and the dangerous seed basic information to obtain dangerous seed group products further comprise:
selecting basic dangerous seeds according to the basic information of the dangerous seeds;
combining the responsibility group risk seed and the basic risk seed;
determining a product type according to the dangerous seed combination result, and calling a preset product configuration template according to the product type;
and configuring a product configuration template according to the dangerous seed basic information to obtain a dangerous seed group product.
Further, when the online module 34 performs the step of online processing the target insurance product, pushing the data information of the target insurance product to a preset database through the release button, and generating a product interface for acquiring the data information of the target insurance product; and packaging the product interface into queue information and sending the queue information to each service system.
Referring to fig. 4, fig. 4 is a schematic structural diagram of a computer device according to an embodiment of the invention. As shown in fig. 4, the computer device 40 includes a processor 41 and a memory 42 coupled to the processor 41.
The memory 42 stores program instructions for implementing the insurance product online method according to any of the embodiments described above.
The insurance product online method comprises the following steps:
acquiring product data information and service data information related to an insurance product;
storing the product data information and the service data information into a pre-constructed data pool, and classifying a data set in the data pool;
carrying out product information configuration and combination treatment according to the classification treatment result to obtain a target insurance product;
and carrying out online processing on the target insurance product.
Processor 41 is operative to execute program instructions stored in memory 42 to implement the online insurance product.
The processor 41 may also be referred to as a CPU (Central Processing Unit ). The processor 41 may be an integrated circuit chip with signal processing capabilities. The processor 41 may also be a general purpose processor, a Digital Signal Processor (DSP), an Application Specific Integrated Circuit (ASIC), an off-the-shelf programmable gate array (FPGA) or other programmable logic device, discrete gate or transistor logic, discrete hardware components. A general purpose processor may be a microprocessor or the processor may be any conventional processor or the like.
Referring to fig. 5, fig. 5 is a schematic structural diagram of a computer storage medium according to an embodiment of the present invention. The computer storage medium according to the embodiment of the present invention stores a program file 51 capable of implementing all the methods described above, where the program file 51 may be stored in the form of a software product in the computer storage medium, and includes several instructions for causing a computer device (which may be a personal computer, a server, or a network device, etc.) or a processor (processor) to execute all or part of the steps of the methods described in the embodiments of the present invention.
The insurance product online method comprises the following steps:
acquiring product data information and service data information related to an insurance product;
storing the product data information and the service data information into a pre-constructed data pool, and classifying a data set in the data pool;
carrying out product information configuration and combination treatment according to the classification treatment result to obtain a target insurance product;
and carrying out online processing on the target insurance product.
And the aforementioned computer storage medium includes: a U-disk, a removable hard disk, a Read-Only Memory (ROM), a random access Memory (RAM, random Access Memory), a magnetic disk, an optical disk, or other various media capable of storing program codes, or a terminal device such as a computer, a server, a mobile phone, a tablet, or the like.
In the several embodiments provided in the present invention, it should be understood that the disclosed systems, devices, and methods may be implemented in other manners. For example, the apparatus embodiments described above are merely illustrative, e.g., the division of elements is merely a logical functional division, and there may be additional divisions of actual implementation, e.g., multiple elements or components may be combined or integrated into another system, or some features may be omitted, or not performed. Alternatively, the coupling or direct coupling or communication connection shown or discussed with each other may be an indirect coupling or communication connection via some interfaces, devices or units, which may be in electrical, mechanical or other form.
In addition, each functional unit in the embodiments of the present invention may be integrated in one processing unit, or each unit may exist alone physically, or two or more units may be integrated in one unit. The integrated units may be implemented in hardware or in software functional units.
The foregoing is only the embodiments of the present invention, and therefore, the patent scope of the invention is not limited thereto, and all equivalent structures or equivalent processes using the descriptions of the present invention and the accompanying drawings, or direct or indirect application in other related technical fields, are included in the scope of the invention.
Claims (10)
1. A method of on-line insurance product comprising:
acquiring product data information and service data information related to an insurance product;
storing the product data information and the service data information into a pre-constructed data pool, and classifying a data set in the data pool;
carrying out product information configuration and combination treatment according to the classification treatment result to obtain a target insurance product;
and carrying out online processing on the target insurance product.
2. The method of claim 1, wherein the acquiring product data information and business data information related to the insurance product comprises:
acquiring a field related to the insurance product from a pre-constructed product system, screening the field, and reserving the field related to the insurance product on line to obtain the product data information;
and acquiring service data information related to the insurance product from a plurality of pre-constructed service systems.
3. The method of claim 2, wherein the step of introducing the target insurance product into the line comprises:
pushing the data information of the target insurance product to a preset database through a release button, and generating a product interface for acquiring the data information of the target insurance product;
and packaging the product interface into queue information and sending the queue information to each service system.
4. The insurance product online method of claim 1, wherein said storing said product data information and said service data information in a pre-constructed data pool and classifying a data set in said data pool includes:
storing the product data information and the service data information into a pre-constructed data pool;
and classifying the data set in the data pool according to the responsibility information, the risk base information, the product base information and the product rule.
5. The method of claim 4, wherein the performing product information configuration and combination according to the classification result to obtain the target insurance product comprises:
creating a responsibility group dangerous seed and configuring the responsibility group dangerous seed according to the responsibility information and the dangerous seed basic information;
combining and configuring the dangerous seeds according to the responsible group dangerous seeds and the dangerous seed basic information to obtain a dangerous seed group product;
and configuring the dangerous group products according to the product basic information and the product rules to obtain the target insurance product.
6. The insurance product online method of claim 5, wherein said creating a responsibility group risk and configuring said responsibility group risk according to said responsibility information and said risk basis information includes:
creating a responsibility group dangerous seed and calling a preset dangerous seed configuration template according to the dangerous seed type of the responsibility group dangerous seed;
configuring the responsibility group dangerous seed according to the responsibility information and the dangerous seed basic information in the dangerous seed configuration template;
and after the release approval of each business system is passed, releasing the configured liability group dangerous seed.
7. The method of claim 6, wherein said combining and configuring the risk types according to the responsibility group risk types and the risk type base information to obtain a risk type group product comprises:
selecting basic dangerous seeds according to the dangerous seed basic information;
combining the responsibility group risk and the basic risk;
determining a product type according to the dangerous seed combination result, and calling a preset product configuration template according to the product type;
and configuring the product configuration template according to the dangerous seed basic information to obtain the dangerous seed group product.
8. An insurance product online device, comprising:
the acquisition module is used for acquiring product data information and service data information related to the insurance product;
the storage and classification module is used for storing the product data information and the service data information into a pre-constructed data pool and classifying a data set in the data pool;
the configuration module is used for carrying out product information configuration and combination processing according to the classification processing result to obtain a target insurance product;
and the online module is used for carrying out online processing on the target insurance product.
9. A computer device, comprising: a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the insurance product online method of any of claims 1 to 7 when the computer program is executed by the processor.
10. A computer storage medium having stored thereon a computer program which, when executed by a processor, implements the insurance product online method of any of claims 1 to 7.
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| CN202310295925.2A CN116308826A (en) | 2023-03-23 | 2023-03-23 | Insurance product online method, apparatus, equipment and storage medium |
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| CN202310295925.2A CN116308826A (en) | 2023-03-23 | 2023-03-23 | Insurance product online method, apparatus, equipment and storage medium |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN117521613A (en) * | 2023-10-24 | 2024-02-06 | 中国人寿保险股份有限公司江苏省分公司 | Method for generating insurance risk propaganda scheme |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN117521613A (en) * | 2023-10-24 | 2024-02-06 | 中国人寿保险股份有限公司江苏省分公司 | Method for generating insurance risk propaganda scheme |
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