CN112598403B

CN112598403B - Project processing method and device, computing equipment and storage medium

Info

Publication number: CN112598403B
Application number: CN202110022682.6A
Authority: CN
Inventors: 方勇; 徐亚辉; 王燕
Original assignee: Advanced New Technologies Co Ltd
Current assignee: Advanced New Technologies Co Ltd
Priority date: 2018-11-28
Filing date: 2018-11-28
Publication date: 2024-05-31
Anticipated expiration: 2038-11-28
Also published as: TWI785271B; CN110009294A; CN112598402A; CN112598403A; TW202101331A; WO2020108107A1; CN110009294B; CN112598402B

Abstract

The specification provides a project processing method and device, a computing device and a storage medium, wherein the method comprises the steps of receiving a project participation request of a user, wherein the project participation request carries user identification information; acquiring first user information and second user information of a user based on the user identification information; performing admission auditing on the user based on the first user information and the second user information of the user and giving auditing results, wherein the auditing results comprise whether the user is allowed to participate in the project or not; and under the condition that the auditing result is that the user is allowed to participate in the project, establishing a binding relationship between the user identification information and the account corresponding to the user.

Description

Project processing method and device, computing equipment and storage medium

The application discloses a project processing method and device, a computing device and a storage medium, which are divisional applications of application number 201811448955.8, application date 2018, 11 and 28.

Technical Field

The present application relates to the field of insurance technologies, and in particular, to a method and apparatus for processing an item, a computing device, and a storage medium.

Background

At present, general commercial health insurance is priced according to the incidence rate of diseases, so that a user pays a fixed premium in advance, and the payable amount is determined according to the payable amount of the premium when payed. The existing mutual-aid products are not insurance, do not promise rigid redemption, and can not well guarantee personal rights and interests of the mutual-aid people under the condition that the mutual-aid people apply for reimbursement.

Disclosure of Invention

In view of the foregoing, embodiments of the present disclosure provide a method and apparatus for processing items, a computing device and a storage medium, so as to solve the technical drawbacks in the prior art.

In a first aspect, embodiments of the present specification disclose an item processing method, including:

receiving a participation project request of a user, wherein the participation project request carries user identification information;

acquiring first user information and second user information of a user based on the user identification information;

Performing admission auditing on the user based on the first user information and the second user information of the user and giving auditing results, wherein the auditing results comprise whether the user is allowed to participate in the project or not;

and under the condition that the auditing result is that the user is allowed to participate in the project, establishing a binding relationship between the user identification information and the account corresponding to the user.

In a second aspect, embodiments of the present specification disclose an item processing apparatus, including:

the first receiving module is configured to receive a participation project request of a user, wherein the participation project request carries user identification information;

the first acquisition module is configured to acquire first user information and second user information of a user based on the user identification information;

the first auditing module is configured to conduct admission auditing on the user based on the first user information and the second user information of the user and give auditing results, wherein the auditing results comprise whether the user is allowed to participate in a project or not;

The first binding module is configured to establish a binding relationship between the user identification information and an account corresponding to the user under the condition that the auditing result is that the user is allowed to participate in the project.

In a third aspect, the present description embodiments disclose a computing device comprising a memory, a processor, and computer instructions stored on the memory and executable on the processor, which when executed by the processor, implement the steps of the item processing method described above when the instructions are executed by the processor.

In a fourth aspect, the present description embodiments disclose a computer-readable storage medium storing computer instructions that, when executed by a processor, implement the steps of the item processing method described above.

Drawings

FIG. 1 is a schematic diagram of a computing device provided in an embodiment of the present description;

FIG. 2 is a flow chart of a method for processing items according to an embodiment of the present disclosure;

FIG. 3 is a flow chart of a method for processing items according to an embodiment of the present disclosure

FIG. 4 is a flow chart of a method for processing items according to an embodiment of the present disclosure;

FIG. 5 is a flow chart of a method for processing items according to an embodiment of the present disclosure;

FIG. 6 is a flow chart of a method for processing items according to an embodiment of the present disclosure;

FIG. 7 is a flow chart of a method for processing items according to an embodiment of the present disclosure;

fig. 8 is a schematic structural diagram of an item processing apparatus according to an embodiment of the present disclosure.

Detailed Description

In the following description, numerous specific details are set forth in order to provide a thorough understanding of the present application. The present application may be embodied in many other forms than those herein described, and those skilled in the art will readily appreciate that the present application may be similarly embodied without departing from the spirit or essential characteristics thereof, and therefore the present application is not limited to the specific embodiments disclosed below.

The terminology used in the one or more embodiments of the specification is for the purpose of describing particular embodiments only and is not intended to be limiting of the one or more embodiments of the specification. As used in this specification, one or more embodiments and the appended claims, the singular forms "a," "an," and "the" are intended to include the plural forms as well, unless the context clearly indicates otherwise. It should also be understood that the term "and/or" as used in one or more embodiments of the present specification refers to and encompasses any or all possible combinations of one or more of the associated listed items.

It should be understood that, although the terms first, second, etc. may be used in one or more embodiments of this specification to describe various information, these information should not be limited by these terms. These terms are only used to distinguish one type of information from another. For example, a first may also be referred to as a second, and similarly, a second may also be referred to as a first, without departing from the scope of one or more embodiments of the present description. The word "if" as used herein may be interpreted as "at … …" or "at … …" or "in response to a determination" depending on the context.

First, terms related to one or more embodiments of the present invention will be explained.

Postpaid: the users meeting the conditions can enjoy the guarantee first without paying the guarantee fee when joining, and after the members have the insurance-giving core claim users, the insurance fee is uniformly spread and charged to all the members according to the situation that the claim payment case actually occurs. Unlike general commercial health insurance, the user pays a fixed premium in advance according to disease incidence pricing.

Credit auditing: the method is characterized in that application condition judgment is carried out on users applying for joining, the users meeting the conditions can join, and the users are combined with platform credit and developed to the honest users.

Health notification: when the insurance company receives the user application, the insurance company requests a confirmation instruction of the health condition of the insured person, and once the insurance company underwrites, the health instruction becomes one part of the insurance contract.

In the present application, a method and apparatus for processing items, a computing device, and a storage medium are provided, and detailed descriptions are given one by one in the following embodiments.

Fig. 1 is a block diagram illustrating a configuration of a computing device 100 according to an embodiment of the present description. The components of the computing device 100 include, but are not limited to, a memory 110 and a processor 120. Processor 120 is coupled to memory 110 via bus 130 and database 150 is used to store data.

Computing device 100 also includes access device 140, access device 140 enabling computing device 100 to communicate via one or more networks 160. Examples of such networks include the Public Switched Telephone Network (PSTN), a Local Area Network (LAN), a Wide Area Network (WAN), a Personal Area Network (PAN), or a combination of communication networks such as the internet. The access device 140 may include one or more of any type of network interface, wired or wireless (e.g., a Network Interface Card (NIC)), such as an IEEE802.11 Wireless Local Area Network (WLAN) wireless interface, a worldwide interoperability for microwave access (Wi-MAX) interface, an ethernet interface, a Universal Serial Bus (USB) interface, a cellular network interface, a bluetooth interface, a Near Field Communication (NFC) interface, and so forth.

In one embodiment of the present description, the other components of computing device 100 described above and not shown in FIG. 1 may also be connected to each other, such as by a bus. It should be understood that the block diagram of the computing device shown in FIG. 1 is for exemplary purposes only and is not intended to limit the scope of the present description. Those skilled in the art may add or replace other components as desired.

Computing device 100 may be any type of stationary or mobile computing device including a mobile computer or mobile computing device (e.g., tablet, personal digital assistant, laptop, notebook, netbook, etc.), mobile phone (e.g., smart phone), wearable computing device (e.g., smart watch, smart glasses, etc.), or other type of mobile device, or a stationary computing device such as a desktop computer or PC. Computing device 100 may also be a mobile or stationary server.

Wherein the processor 120 may perform the steps of the method shown in fig. 2. Fig. 2 illustrates a method of item processing provided in one or more embodiments of the present description, including steps 202 through 208.

Step 202: and receiving a participation project request of a user, wherein the participation project request carries user identification information.

In one or more embodiments of the present description, the user identification information includes, but is not limited to, a unique identification number of the participating item generated for a certain user during the process of the user participating in the item, such as a user identification number consisting of a user name, an identification card number, a participating date, and a participating running water number.

Step 204: and acquiring first user information and second user information of the user based on the user identification information.

Wherein the first user information includes, but is not limited to, health information of the user, and the second user information includes, but is not limited to, credit information of the user.

In one or more embodiments of the present disclosure, obtaining first user information of a user includes:

Acquiring first user information determined by a user based on a preset first user information report; or alternatively

And acquiring the first user information of the user based on a preset first user information acquisition model.

The obtaining the second user information of the user includes:

And acquiring second user information of the user based on a preset credit evaluation model.

The first user information report includes, but is not limited to, a preset health measurement report, and the first user information acquisition model includes, but is not limited to, a preset health model.

Step 206: and carrying out admission auditing on the user based on the first user information and the second user information of the user and giving auditing results, wherein the auditing results comprise whether the user is allowed to participate in the project or not.

In one or more embodiments of the present disclosure, the user is subjected to admission audit based on the first user information and the second user information of the user, and an audit result is given, that is, whether the user meets the admission audit is judged based on the health information and the credit information of the user, and the audit result is given.

Step 208: and under the condition that the auditing result is that the user is allowed to participate in the project, establishing a binding relationship between the user identification information and the account corresponding to the user.

In one or more embodiments of the present disclosure, the auditing result is that the user is allowed to participate in the project, that is, if the health information of the user is healthy and the credit information is up to standard, it is determined that the user meets the admission auditing, and the user is allowed to participate in the project.

And establishing a binding relationship between the user identification information and the account corresponding to the user, namely establishing a binding relationship between the user identification information and the bank account corresponding to the user or the system deductible account.

In one or more embodiments of the present disclosure, further including:

establishing a user blacklist under the condition that the auditing result is that the user is not allowed to participate in the project;

Under the condition that second user information of users in the user blacklist meets the admission audit, acquiring first user information of the users in the user blacklist according to a preset time interval;

And allowing the user to participate in the project under the condition that the first user information of the user meets the admission audit.

In order to improve the enthusiasm of users for participating in the project, a user blacklist is established for users which do not pass the auditing of the participating project under the condition that the auditing result is that the users are not allowed to participate in the project, then users with credit information reaching standards and health information being sub-healthy are selected from the user blacklist, then the health information of the users is updated once at regular time intervals, and when the health information of the users is healthy, the users are allowed to participate in the project.

In another case, when the auditing result is that the user is not allowed to participate in the project, the method further comprises the following steps:

And allowing the user to participate in the project under the condition that the first user information of the user in the user blacklist meets the preset requirement and the user payment specified fee is received.

Namely, when the blacklist of the users is used for selecting users with health information being healthy and credit information not reaching standards, and then the users are allowed to participate in the project under the condition that the users agree to pay the specified fee, namely the guarantee fee or the prestored fee. For example, if the health information of a certain user is healthy and the credit information is not up to standard, the user may be allowed to participate in the project if the user agrees to the pre-stored fee.

In one or more embodiments of the present disclosure, the participation item request carries associated person information of the user,

In the case that the auditing result is that the user is allowed to participate in the project, the method further comprises:

a request for participation in a project is received for a user specifying an associated person.

Wherein the associated person includes, but is not limited to, a minor child of the user, etc., and in the event that the audit result is that the running user participates in the project, the user may be allowed to add the minor child to also participate in the project.

In one or more embodiments of the present disclosure, the method for processing an item achieves user participation in the item according to the auditing mode of the first user information and the second user information of the user, and by adopting the manner of participating in the item for free, the experience of the user participation in the item is greatly improved, and the associated person of the user can participate in the item according to the basic data of the user, so that the continuous expansion of the item is ensured.

Referring to FIG. 3, one or more embodiments of the present description provide an item processing method, including steps 302 through 316.

Step 302: and receiving a participation project request of a user, wherein the participation project request carries user identification information.

Step 304: and acquiring first user information and second user information of the user based on the user identification information.

Step 306: and carrying out admission auditing on the user based on the first user information and the second user information of the user and giving auditing results, wherein the auditing results comprise whether the user is allowed to participate in the project or not.

Step 308: and under the condition that the auditing result is that the user is allowed to participate in the project, establishing a binding relationship between the user identification information and the account corresponding to the user.

In one or more embodiments of the present disclosure, the specific implementation manners of steps 302 to 308 may be referred to the above embodiments, which are not described herein.

Step 310: and receiving a claiming mutual-aid gold request of a to-be-claiming mutual-aid gold case, wherein the claiming mutual-aid gold request carries the content of the to-be-claiming mutual-aid gold case.

In one or more embodiments of the present disclosure, the content of the to-be-claimed mutual-aid case includes, but is not limited to, an event, a place, a specific detailed process of the case, and the like.

Step 312: under the condition that the mutual-help money case to be claimed is determined to need to be claimed according to the content of the mutual-help money case to be claimed, the allocation amount of each current participating project user is determined according to the number of current participating project persons and the claim mutual-help amount of the mutual-help money case to be claimed.

Step 314: and under the condition that the allocation amount does not exceed a preset allocation threshold value, deducting money from the account corresponding to each current participating project user.

In one or more embodiments of the present disclosure, the preset allocation threshold may be set according to practical situations, which is not limited in the present disclosure. For example, the preset apportionment threshold may be 2-ary, 5-ary, 10-ary, or the like.

For example, under the condition that the allocated amount does not exceed the preset allocation threshold, determining that the allocated amount of each current participating project user is 10 yuan according to the number of the current participating project users and the total amount of the mutually-applied money case to be claimed.

In one or more embodiments of the present disclosure, deducting money from the account corresponding to each current participating item user includes:

and carrying out round-robin deduction from the account corresponding to each current participating item user in a preset deduction period until the deduction is successful or the deduction period is ended.

The account corresponding to each current participating item user comprises a user-defined account and a non-user-defined account.

The user-defined account may be a designated bank account, for example, when deduction is required from an account corresponding to each current participating item user, deduction may be performed from the designated bank account of the user. The non-self-defined account can be a random account, for example, when deduction is required from the account corresponding to each current participating project user, deduction can be firstly performed from the platform account of the user, and if the deduction fails, the deduction is sequentially performed from other bound bank accounts of the user.

Step 316: and under the condition that the allocated amount exceeds a preset allocated threshold value, deducting the allocated amount which is the same as the preset allocated threshold value from the account corresponding to each current participating project user, and deducting the allocated amount exceeding the preset allocated threshold value from a second account associated with the project.

The second account is an account associated with the project, namely, when the amortization amount exceeds a preset amortization threshold, the amortization amount which is the same as the preset amortization threshold is deducted from the account corresponding to each current participating project user, and the rest amortization amount is deducted from the second account associated with the project, namely, the rest amortization amount is born by the project.

In one or more embodiments of the present disclosure, taking a preset allocation threshold as an example, when the allocation amount exceeds the preset allocation threshold, the allocation amount that is the same as the preset allocation threshold is deducted from an account corresponding to each current participating item user, and the allocation amount that exceeds the preset allocation threshold in the allocation amount is deducted from a second account associated with the item, so as to describe in detail.

And if the allocated amount is 20 yuan, under the condition that the allocated amount is determined to be 20 yuan and exceeds the preset allocated threshold value by 10 yuan, the allocated amount which is the same as the preset allocated threshold value is deducted from the account corresponding to each current participating project user by 10 yuan, and then the allocated amount of each current participating project user exceeding the part of the preset allocated threshold value in the allocated amount, namely 10 yuan of each current participating project user, is deducted from the second account associated with the project.

In one or more embodiments of the present disclosure, deducting, from the account corresponding to each current participating item user, an allocation amount equal to a preset allocation threshold includes:

And carrying out round-robin deduction on the allocated amount which is the same as the preset allocation threshold value from the account corresponding to each current participating project user in the preset deduction period until the deduction is successful or the deduction period is ended.

In actual use, under the condition that the mutual-help gold case to be claimed is determined to need to claim the mutual-help gold according to the content of the mutual-help gold case to be claimed, a deduction notice is sent for each current participated project user.

Referring to fig. 4, in one or more embodiments of the present disclosure, taking an example that the item processing method is applied to an M-item platform, a detailed description of deduction from an account corresponding to each current participating item user is described.

Deduction is carried out in the account corresponding to each current participating project user in two cases, wherein one case is that a user-defined deduction channel is not set, and the other case is that an automatic deduction channel is set.

Taking the example that no custom deduction channel is set, the description includes steps 402 to 404.

Step 402: under the condition that the balance of the project, the Y channel and the H channel are already opened, performing on-line deduction from the balance, the Y channel or the H channel on the first day 00:00:00-8:00:00; if the deduction fails, continuing to deduct money from the balance, the Y channel or the H channel on the first day 8:00:00-22:00:00; if the deduction is failed, continuing deduction from the balance, the Y channel or the H channel on the next day 00:00:00-8:00:00; if the deduction is failed, continuing deduction from the balance, the Y channel or the H channel on the next day 8:00:00-22:00:00.

The Y channel and the H channel are all relevant internal channels corresponding to the M project platform. If there is an internal channel corresponding to the M project platform, the payment is paid preferentially through the internal channel.

If the deduction is successful, the deduction flow can be ended at any time, and if the deduction is unsuccessful, the subsequent deduction flow needs to be continuously executed.

Step 404: deducting money from a specified bank account number on the first day 8:00:00-22:00:00 under the condition that the balance, the Y channel and the H channel are not opened; if the deduction fails, continuing to deduct the money from the appointed bank account number on the next day 8:00:00-22:00:00.

Taking the example of the custom deduction channel being set, the description includes steps 406 to 408.

Step 406: if the first deduction channel is the balance, the Y channel and the H channel, performing on-line deduction from the balance, the Y channel or the H channel on the first day 00:00:00-8:00:00; if the deduction fails, continuing to deduct money from the balance, the Y channel or the H channel on the first day 8:00:00-22:00:00; if the deduction is failed, continuing deduction from the balance, the Y channel or the H channel on the next day 00:00:00-8:00:00; if the deduction is failed, continuing deduction from the balance, the Y channel or the H channel on the next day 8:00:00-22:00:00.

Step 408: if the first deduction channel is not the balance, the Y channel and the H channel, but is the bank account, deducting money from the appointed bank account on the first day 8:00:00-22:00:00; if the deduction fails, continuing to deduct the money from the appointed bank account number on the next day 8:00:00-22:00:00.

In one or more embodiments of the present disclosure, the above-mentioned payment method can be combined with an item-associated account, a bank account, etc. to make the above-mentioned intelligent payment initiation mechanism, so as to greatly improve the payment success rate.

In one or more embodiments of the present disclosure, the project processing method adopts a method that an allocation amount does not exceed a preset allocation threshold, so that an allocation amount of each current participating project user in each to-be-claimed mutual assistance gold case does not exceed a preset allocation threshold, and under a condition that each participating project person obtains a project guarantee, it is ensured that benefits of the user cannot be lost without limit.

Referring to fig. 5, taking the item as a mutual-assistance item, the participation item request as a participation mutual-assistance item request, the first user information as health information, and the second user information as credit information as an example, a detailed description is provided for an item processing method according to one or more embodiments of the present disclosure, including steps 502 to 516.

Step 502: and receiving a participation mutual-help project request of the user, wherein the participation mutual-help project request carries user identification information.

Step 504: and acquiring health information and credit information of the user based on the user identification information.

In one or more embodiments of the present description, obtaining health information of a user includes, but is not limited to: acquiring health information determined by a user based on a preset health report; or acquiring health information of the user based on a preset health model.

For example, a health measurement report is preset, and after a participation request of a certain user is received, health information of the user is measured based on the health measurement report filled in by the user, so that a health notice is generated. The health notification book is used for deconstructing the health notification content from easy understanding of users and definition of diseases, symptoms and common medicine, and is convenient for the users to notify according to the self health condition. The health information may include, but is not limited to, health score of the user or directly determine whether the user is healthy, sub-healthy or unhealthy, where the health measurement report includes, but is not limited to, height, weight, family history, personal history, and other test questions.

In addition, the user with uncertain health problems can acquire the health information of the user based on a preset health model, namely, after receiving a participation request of a certain user, the user can acquire the health information of the user based on an intelligent health problem test. For example, the height, the weight and the personal medical history of the user can be inquired, if no personal medical history exists, the family medical history is inquired, if the personal medical history exists, the personal medical history is tested in detail, the health information of the user is acquired through the intelligent robot mode, the accuracy of the acquisition of the health information is guaranteed, and the efficiency of the acquisition of the health information is greatly improved. The method can provide process data backtracking and result data recording of health notification no matter which health information acquisition mode is adopted, and provide necessary data support and reduce disputes when the application mutual-help gold determination of the mutual-help gold case to be applied is carried out later.

In one or more embodiments of the present description, obtaining credit information for a user includes, but is not limited to: and acquiring credit information of the user based on a preset credit evaluation model.

In actual use, the credit evaluation model for checking the access of the user is gradually formed by combining the credit of the mutual aid platform, the wind control data of the insurance platform, the industry cheating claim wind control data of the insurance company, the third party authorization data and the like, analyzing through the artificial intelligent model, and then judging the credit information of the user through the credit evaluation model.

For example, if a certain user is a credit score 650 score of a mutual assistance platform, belongs to a overdue arrearing user group, a business blacklist user, a fact blacklist user is a mutual insurance claim user group, an insurance industry blacklist user group and a behavior blacklist user, the credit information of the user is obtained through a preset credit evaluation model, and it can be determined that the credit information of the user does not meet the standard of admission audit, that is, the obtained credit information of the user is not up to standard, otherwise, the obtained credit information of the user is up to standard.

Step 506: and carrying out admission auditing on the user based on the health information and the credit information of the user and giving auditing results, wherein the auditing results comprise whether the user is allowed to participate in mutual aid participation.

Step 508: and under the condition that the auditing result is that the user is allowed to participate in mutual assistance participation, establishing a binding relation between the user identification information and the account corresponding to the user.

Step 510: and receiving a claiming mutual-aid gold request of a to-be-claiming mutual-aid gold case, wherein the claiming mutual-aid gold request carries the content of the to-be-claiming mutual-aid gold case.

Step 512: under the condition that the mutual-help gold case to be claimed is determined to need to claim the mutual-help gold case according to the content of the mutual-help gold case to be claimed, the allocation amount of each current participating mutual-help participating user is determined according to the number of current participating mutual-help participants and the claim mutual-help amount of the mutual-help gold case to be claimed.

Step 514: and under the condition that the allocation amount does not exceed a preset allocation threshold value, deducting money from the account corresponding to each current participating and mutually supporting participating and protecting user.

Step 516: and under the condition that the allocated amount exceeds a preset allocation threshold value, deducting the allocated amount which is the same as the preset allocation threshold value from the account corresponding to each current participating and participating user, and deducting the allocated amount exceeding the preset allocation threshold value from a second account associated with the mutual project.

It should be noted that, the technical solution of the mutual-assistance project processing method and the technical solution of the project processing method belong to the same conception, and details of the technical solution of the mutual-assistance project processing method, which are not described in detail, can be referred to the description of the technical solution of the project processing method.

In one or more embodiments of the present disclosure, the project processing method is applied to a mutual-assistance project, so that a mutual-assistance participating user may enjoy a guarantee and participate in an allocation, and an allocation amount is calculated according to an actual insurance emergence and through a situation that a core claim is public, and according to a situation that a mutual-assistance gold case is applied actually, a fee is allocated, unlike a general commercial health insurance, the user pays a fixed premium in advance according to a disease incidence pricing, and a method that the allocation amount does not exceed a preset allocation threshold is adopted, so that an allocation amount of each current mutual-assistance participating user does not exceed a preset allocation threshold for each to-be-claimed mutual-assistance gold case, and under a condition that each mutual-assistance participating person obtains a participating guarantee, it is ensured that own benefit is not lost without restriction.

Referring to fig. 6, taking the item as an insurance item, the participation item request as a participation request, the first user information as health information, the second user information as credit information, the to-be-claimed mutual-aid fund case as a to-be-claimed case, and the claim mutual-aid fund request as a claim settlement request as an example, a detailed description is provided for an item processing method provided in one or more embodiments of the present specification, including steps 602 to 616.

Step 602: and receiving a participation request of a user, wherein the participation request carries user identification information.

Step 604: and acquiring health information and credit information of the user based on the user identification information.

Step 606: and carrying out admission auditing on the user based on the health information and the credit information of the user and giving auditing results, wherein the auditing results comprise whether the user is allowed to participate or not.

Step 608: and under the condition that the auditing result is that the user is allowed to participate, establishing a binding relation between the user identification information and the account corresponding to the user.

Step 610: and receiving an claim settlement request of the case to be claiming, wherein the claim settlement request carries the content of the case to be claiming.

In one or more embodiments of the present description, claims are specific to an insurance company executing an insurance contract, fulfilling insurance obligations, assuming insurance liabilities. In particular to the processing of claim cases proposed by insurers after the occurrence of insurance accidents. After the insured suffers from disaster accident, the claimant shall apply for the claimant immediately or through the claimant, examine the submitted documents according to the regulations of the insurance policy, find out whether the loss reason belongs to the insurance range, estimate the loss degree, determine the compensation amount, and pay the settlement.

In practical use, the case content to be claiming includes, but is not limited to, major illness claiming, hospitalization claiming, etc.

Step 612: and under the condition that the case to be claiming needs to be claiming according to the case content to be claiming, determining the allocation amount of each current participating user according to the current participating number and the claiming amount of the case to be claiming.

Step 614: and under the condition that the allocated amount does not exceed a preset allocation threshold value, deducting money from the account corresponding to each current participating user.

In one or more embodiments of the present disclosure, the preset allocation threshold may be set according to practical situations, which is not limited in this application. For example, the preset apportionment threshold may be 0.1 yuan, etc.

For example, under the condition that the case to be claiming is determined to be claiming according to the case content to be claiming, the allocation amount of each current participating user is determined to be 0.05 yuan according to the current participating number and the claiming amount of the case to be claiming.

And under the condition that the allocated amount of 0.05 yuan does not exceed the preset allocation threshold of 0.1 yuan, deducting 0.1 yuan from the account corresponding to each current participating user.

In one or more embodiments of the present disclosure, the account corresponding to each current participating user includes a customized account and a non-customized account.

The user-defined account may be a designated bank account, for example, when deduction is required from an account corresponding to each current participating user, deduction may be performed from the designated bank account of the user. The non-self-defined account number can be a random account number, for example, when deduction is required from the account number corresponding to each current participating user, deduction can be firstly performed from the platform account number of the user, and if the deduction fails, deduction is sequentially performed from other bound bank account numbers of the user.

In actual use, under the condition that the case to be claiming needs to be claiming according to the case content to be claiming, a deduction notice can be sent out for each current participating user. The deduction notification can be a system prompt or a short message notification and the like.

Step 616: and under the condition that the allocated amount exceeds a preset allocated threshold value, deducting the allocated amount which is the same as the preset allocated threshold value from the account corresponding to each current participating user, and deducting the allocated amount exceeding the preset allocated threshold value from a second account associated with the insurance item.

In one or more embodiments of the present disclosure, taking a preset allocation threshold value as an example, when the allocation amount exceeds the preset allocation threshold value, the allocation amount that is the same as the preset allocation threshold value is deducted from the account corresponding to each current participating user, and the allocation amount that exceeds the preset allocation threshold value in the allocation amount is deducted from the second account associated with the insurance item, so as to describe in detail.

And if the allocated amount is 0.2 yuan, under the condition that the allocated amount is 0.2 yuan and exceeds the preset allocation threshold value by 0.1 yuan, deducting the allocated amount which is the same as the preset allocation threshold value from the account corresponding to each current participating user, and then deducting the allocated amount of each current participating user exceeding the preset allocation threshold value part in the allocated amount, namely the allocated amount of each current participating user by 0.1 yuan from the second account associated with the insurance item.

In one or more embodiments of the present disclosure, deducting money from the account corresponding to each current participating user includes:

Carrying out round-robin deduction from the account corresponding to each current participating user in a preset deduction period until the deduction is successful or the deduction period is finished;

deducting the same allocation amount as the preset allocation threshold value from the account corresponding to each current participating user comprises the following steps:

And carrying out round-robin deduction on the allocated amount which is the same as the preset allocation threshold value from the account corresponding to each current participating user in the preset deduction period until the deduction is successful or the deduction period is ended.

It should be noted that, the technical solution of the insurance item processing method and the technical solution of the item processing method belong to the same concept, and details of the technical solution of the insurance item processing method, which are not described in detail, can be referred to the description of the technical solution of the item processing method.

In one or more embodiments of the present disclosure, the project processing method enables a participating user to enjoy a guarantee and participate in allocation, and the allocation amount is calculated according to the actual risk and through the situation that the claim is public, and the cost allocation is performed according to the situation that the claim case actually occurs, unlike the general commercial health insurance, the user pays a fixed premium in advance according to the disease occurrence rate pricing, and the allocation amount does not exceed the preset allocation threshold, so that the allocation amount of each current participating user for each case to be claiming does not exceed the preset allocation threshold, and the benefit of each participating person is ensured not to be lost without restriction under the situation that each participating person obtains the participating guarantee.

Referring to fig. 7, taking insurance platform a as an example, an item processing method provided in one or more embodiments of the present disclosure is described, including steps 702 to 730.

Step 702: and receiving a participation request of a user in the insurance platform A, wherein the participation request carries user identification information.

Step 704: and acquiring health information and credit information of the user based on the user identification information, judging whether the user meets the admission and insurance checking, and allowing the user 0 to participate in the expense insurance, if so, executing step 706, and if not, executing step 708.

Step 706: allowing the user to participate in the binding relationship between the user identification information and the account corresponding to the user.

Step 708: the user is not allowed to participate.

Step 710: the method comprises the steps that when a user 1 appears, an insurance platform A receives an claim settlement request of a user 1 to be subjected to claim settlement in participating users, wherein the claim settlement request carries the content of the claim to be subjected to claim settlement.

Step 712: and the insurance platform A judges whether the case to be claiming needs to be claiming according to the case content to be claiming, if so, the step 714 is executed, and if not, the step 724 is executed.

Step 714: and carrying out case acceptance on the case to be claiming, and determining the allocation amount of each current participating user according to the current participating number and the claiming amount of the case to be claiming.

Step 716: the content of the claim case and the amortized amount are shown for the citizen on 7 days and 21 days of each month.

In one or more embodiments of the present description, the civilian population facilitates the rejection of false cases.

Step 718: and under the condition that the allocation amount does not exceed a preset allocation threshold value, deducting money from the account corresponding to each current participating user on 14 days and 28 days per month.

In one or more embodiments of the present disclosure, the average value of the individual cases = (payoff amount + management fee)/payoff day, and the preset allocation threshold is 0.1 yuan, that is, the upper limit of the allocation amount of each participant in the individual cases of the insured person is 0.1 yuan.

Step 720: and after all deductions are successful, the insurance platform A gathers the total amount of deductions from the account corresponding to each current participating user.

Step 722: insurance platform a pays the amount of the payoff to user 1.

Step 724: the project audit group of the insurance platform a performs case approval on the claim case, and the project audit group determines whether to agree to share the amount of the claim case, if so, step 726 is executed, and if not, step 728 is executed.

Step 726: agreeing to apportionment, step 712 continues.

Step 728: and (5) disagreeing allocation and ending the claim case.

Step 730: the participants actively exit and do not participate in the claims.

In one or more embodiments of the present disclosure, the project processing method enables a participating user to enjoy a guarantee and participate in an allocation, and the allocation amount is calculated according to an actual risk and through the situation that a claim is public, and the cost allocation is performed according to the situation that a claim case actually occurs, unlike a general commercial health insurance, the method of pricing according to a disease occurrence rate, allowing the user to pay a fixed premium in advance, and adopting a method that the allocation amount does not exceed a preset allocation threshold; and is shown twice a month and shared twice. On the public days, the diagnosed claim cases are given public and objectively complaint on the premise of moderately hiding sensitive information, and the public and objectively-free claim cases generate a guarantee fee plus a specified 10% management fee, and the public and the objectively-free claim cases are evenly distributed by all the parameteric users on the sharing days, so that the actual amount is determined according to the actual condition of each period. However, in a single claim case, the amount of money allocated to each user does not exceed 1 hair, so that under the condition that each participating person obtains participating guarantee, the benefit of each participating person is ensured not to be lost without limit.

Referring to fig. 8, one or more embodiments of the present disclosure provide an item processing apparatus, including:

A first receiving module 802, configured to receive a participation item request of a user, where the participation item request carries user identification information;

a first obtaining module 804 configured to obtain first user information and second user information of a user based on the user identification information;

a first auditing module 806 configured to perform admission auditing on the user based on the first user information and the second user information of the user and give auditing results, including whether the user is allowed to participate in an item;

and the first binding module 808 is configured to establish a binding relationship between the user identification information and the account corresponding to the user when the auditing result is that the user is allowed to participate in the project.

Optionally, the apparatus further comprises:

The second receiving module is configured to receive a claimant gold request of a claimant gold case to be claimant, wherein the claimant gold request carries the content of the claimant gold case to be claimant;

The first determining module is configured to determine an allocation amount of each current participating project user according to the number of the current participating project and the claiming mutual-help amount of the claiming mutual-help case under the condition that the claiming mutual-help case needs claiming mutual-help money according to the claiming mutual-help case content;

the first deduction module is configured to deduct money from the account corresponding to each current participating project user under the condition that the allocated amount does not exceed a preset allocation threshold;

And the second deduction module is configured to deduct the allocated amount which is the same as the preset allocation threshold value from the account corresponding to each current participating project user and deduct the allocated amount which exceeds the preset allocation threshold value from the second account associated with the project.

Optionally, the items include a mutual item, including:

the third receiving module is configured to receive a participation item request of a user, wherein the participation item request carries user identification information;

A second acquisition module configured to acquire first user information and second user information of a user based on the user identification information;

The second auditing module is configured to conduct admission auditing on the user based on the first user information and the second user information of the user and give auditing results, wherein the auditing results comprise whether the user is allowed to participate in the project;

And the second binding module is configured to establish a binding relationship between the user identification information and the account corresponding to the user under the condition that the auditing result is that the user is allowed to participate in the project.

Optionally, the apparatus further comprises:

A fourth receiving module, configured to receive a claim mutually-assisted gold request of a mutually-assisted gold case to be claimed, where the claim mutually-assisted gold request carries contents of the mutually-assisted gold case to be claimed;

The second determining module is configured to determine an allocation amount of each current participating project user according to the number of the current participating project and the claiming mutual-help amount of the claiming mutual-help case under the condition that the claiming mutual-help case needs claiming mutual-help money according to the claiming mutual-help case content;

The third deduction module is configured to deduct money from the account corresponding to each current participating project user under the condition that the allocated amount does not exceed a preset allocation threshold;

And the fourth deduction module is configured to deduct the allocated amount which is the same as the preset allocation threshold value from the account corresponding to each current participating project user and deduct the allocated amount which exceeds the preset allocation threshold value from the second account associated with the project.

Optionally, the item is an insurance item, including:

a fifth receiving module, configured to receive a participation item request of a user, where the participation item request carries user identification information;

A third acquisition module configured to acquire first user information and second user information of a user based on the user identification information;

The third auditing module is configured to conduct admission auditing on the user based on the first user information and the second user information of the user and give auditing results, wherein the auditing results comprise whether the user is allowed to participate in a project or not;

and the third binding module is configured to establish a binding relationship between the user identification information and the account corresponding to the user under the condition that the auditing result is that the user is allowed to participate in the project.

Optionally, the apparatus further comprises:

a sixth receiving module configured to receive a claim mutually-assisted gold request of a mutually-assisted gold case to be claimed, wherein the claim mutually-assisted gold request carries contents of the mutually-assisted gold case to be claimed;

the third determining module is configured to determine an allocation amount of each current participating project user according to the number of the current participating project and the claiming mutual-help amount of the claiming mutual-help case under the condition that the claiming mutual-help case needs claiming mutual-help money according to the claiming mutual-help case content;

A fifth deduction module configured to deduct money from the account corresponding to each current participating item user when the allocated amount does not exceed a preset allocation threshold;

And the sixth deduction module is configured to deduct the allocated amount which is the same as the preset allocation threshold value from the account corresponding to each current participating project user and deduct the allocated amount which exceeds the preset allocation threshold value from the second account associated with the project.

Optionally, the first acquisition module 804, the second acquisition module, or the third acquisition module is further configured to:

Optionally, the first acquisition module 804, the second acquisition module, or the third acquisition module is further configured to include:

Optionally, the apparatus further comprises:

the establishing module is configured to establish a user blacklist under the condition that the auditing result is that the user is not allowed to participate in the project;

A fourth obtaining module, configured to obtain, according to a preset time interval, first user information of a user of the user blacklist, when second user information of the user in the user blacklist meets an admission audit;

And the fourth auditing module is configured to allow the user to participate in the project under the condition that the first user information of the user meets the admission auditing.

Optionally, the apparatus further comprises:

And the fee receiving module is configured to allow the user to participate in the project when the first user information of the user in the user blacklist meets the preset requirement and the user payment specified fee is received.

Optionally, the participation project request carries the associated person information of the user,

In the case that the auditing result is that the user is allowed to participate in the project, the device further comprises:

The specified association receiving module is configured to receive a participation item request of a specified association of a user.

Optionally, the account corresponding to each current participating item user includes a customized account and a non-customized account.

Optionally, the apparatus further comprises:

And the deduction notification sending module is configured to send a deduction notification to each current participating project user under the condition that the to-be-claimed mutual aid gold case is determined to need to claim mutual aid gold according to the to-be-claimed mutual aid gold case content.

Optionally, the first deduction module, the third deduction module, or the fifth deduction module is further configured to:

Carrying out round-robin deduction from an account corresponding to each current participating item user in a preset deduction period until the deduction is successful or the deduction period is ended;

The second deduction module, the fourth deduction module, or the sixth deduction module is further configured to:

In one or more embodiments of the present disclosure, the project processing device implements a user to participate in a project according to an audit mode of first user information and second user information of a user, and by adopting such a manner of participating in the project for free, the experience of the user to participate in the project is greatly improved, and the associated person of the user can participate in the project according to the basic data of the user, thereby guaranteeing the continuous expansion of the project.

It should be noted that, the technical solution of the project processing apparatus and the technical solution of the project processing method belong to the same concept, and details of the technical solution of the project processing apparatus, which are not described in detail, can be referred to the description of the technical solution of the project processing method.

An embodiment of the application also provides a computer-readable storage medium storing computer instructions which, when executed by a processor, implement the steps of the item processing method as described above.

The above is an exemplary version of a computer-readable storage medium of the present embodiment. It should be noted that, the technical solution of the storage medium and the technical solution of the above item processing method belong to the same concept, and details of the technical solution of the storage medium that are not described in detail may be referred to the description of the technical solution of the above item processing method.

The computer instructions include computer program code that may be in source code form, object code form, executable file or some intermediate form, etc. The computer readable medium may include: any entity or device capable of carrying the computer program code, a recording medium, a U disk, a removable hard disk, a magnetic disk, an optical disk, a computer Memory, a Read-Only Memory (ROM), a random access Memory (RAM, randomAccess Memory), an electrical carrier signal, a telecommunications signal, a software distribution medium, and so forth. It should be noted that the computer readable medium contains content that can be appropriately scaled according to the requirements of jurisdictions in which such content is subject to legislation and patent practice, such as in certain jurisdictions in which such content is subject to legislation and patent practice, the computer readable medium does not include electrical carrier signals and telecommunication signals.

It should be noted that, for the sake of simplicity of description, the foregoing method embodiments are all expressed as a series of combinations of actions, but it should be understood by those skilled in the art that the present application is not limited by the order of actions described, as some steps may be performed in other order or simultaneously in accordance with the present application. Further, those skilled in the art will appreciate that the embodiments described in the specification are all preferred embodiments, and that the acts and modules referred to are not necessarily all required for the present application.

In the foregoing embodiments, the descriptions of the embodiments are emphasized, and for parts of one embodiment that are not described in detail, reference may be made to the related descriptions of other embodiments.

The preferred embodiments of the application disclosed above are intended only to assist in the explanation of the application. Alternative embodiments are not intended to be exhaustive or to limit the application to the precise form disclosed. Obviously, many modifications and variations are possible in light of the above teaching. The embodiments were chosen and described in order to best explain the principles of the application and the practical application, to thereby enable others skilled in the art to best understand and utilize the application. The application is limited only by the claims and the full scope and equivalents thereof.

Claims

1. A method of processing an item, comprising:

Acquiring first user information and second user information of a user based on the user identification information, and providing process backtracking and result data records of health notification;

under the condition that the auditing result is that the user is allowed to participate in the project, a binding relationship is established for the user identification information and the account corresponding to the user;

Receiving a claiming mutual-aid gold request of a to-be-claiming mutual-aid gold case, wherein the claiming mutual-aid gold request carries the content of the to-be-claiming mutual-aid gold case;

Under the condition that the mutual-help money case to be claimed is determined to need to be claimed according to the content of the mutual-help money case to be claimed, determining the allocation amount of each current participating project user according to the number of current participating project people and the claiming mutual-help amount of the mutual-help money case to be claimed;

Under the condition that the allocation amount does not exceed a preset allocation threshold value, carrying out round-robin deduction from an account corresponding to each current participating project user in a preset deduction period until the deduction is successful or the deduction period is ended;

And under the condition that the allocated amount exceeds a preset allocation threshold value, carrying out round-robin deduction on the allocated amount which is the same as the preset allocation threshold value from the account corresponding to each current participating project user in a preset deduction period until the deduction is successful or the deduction period is finished, and deducting the allocated amount exceeding the preset allocation threshold value from a second account associated with the project.

2. The method of claim 1, wherein the items comprise a mutual item, comprising:

3. The method as recited in claim 2, further comprising:

Deducting money from the account corresponding to each current participating item user under the condition that the allocated amount does not exceed a preset allocation threshold value;

And under the condition that the allocated amount exceeds a preset allocated threshold value, deducting the allocated amount which is the same as the preset allocated threshold value from the account corresponding to each current participating project user, and deducting the allocated amount exceeding the preset allocated threshold value from a second account associated with the project.

4. The method of claim 1, wherein the item is an insurance item, comprising:

5. The method as recited in claim 4, further comprising:

6. The method of any of claims 1-5, wherein obtaining first user information for a user comprises:

7. The method of any of claims 1-5, wherein obtaining second user information for the user comprises:

8. The method of any one of claims 1-5, further comprising:

9. The method of claim 8, wherein, in the event that the auditing result is that the user is not allowed to participate in the project, establishing the user blacklist further comprises:

10. The method according to any one of claims 1-5, wherein the participation item request carries associated person information of the user,

11. The method of claim 1,3 or 5, wherein the account corresponding to each current participating item user comprises a customized account and a non-customized account.

12. The method of claim 1 or 3 or 5, further comprising:

And under the condition that the mutual-help gold case to be claimed is determined to need to claim the mutual-help gold according to the content of the mutual-help gold case to be claimed, sending out deduction notification for each current participated project user.

13. The method of claim 3 or 5, wherein debiting from each account corresponding to each currently participating item user comprises:

Deducting the same amortization amount as the preset amortization threshold value from the account corresponding to each current participating project user comprises the following steps:

14. An item processing apparatus, comprising:

the first binding module is configured to establish a binding relationship between the user identification information and an account corresponding to the user under the condition that the auditing result is that the user is allowed to participate in the project;

The first deduction module is configured to carry out round-robin deduction from the account corresponding to each current participating project user in a preset deduction period under the condition that the allocated amount does not exceed a preset allocation threshold value until the deduction is successful or the deduction period is ended;

And the second deduction module is configured to deduct the allocated amount which is the same as the preset allocation threshold value from the account corresponding to each current participating project user in a preset deduction period until the deduction is successful or the deduction period is finished, and deduct the allocated amount which exceeds the preset allocation threshold value from the second account associated with the project.

15. The apparatus of claim 14, wherein the items comprise a mutual item, comprising:

16. The apparatus as recited in claim 15, further comprising:

17. The apparatus of claim 15, wherein the item is an insurance item, comprising:

18. The apparatus as recited in claim 17, further comprising:

19. The apparatus of any of claims 17-18, wherein the first acquisition module, the second acquisition module, or the third acquisition module are further configured to:

20. The apparatus of any of claims 17-18, wherein the first acquisition module, the second acquisition module, or the third acquisition module are further configured to include:

21. The apparatus according to any one of claims 14-18, wherein the apparatus further comprises:

22. The apparatus of claim 21, wherein the apparatus further comprises:

23. The apparatus according to any one of claims 14-18, wherein the participation item request carries associated person information of the user,

24. The apparatus of claim 14, 16 or 18, wherein the account corresponding to each current participating item user comprises a customized account and a non-customized account.

25. The apparatus according to claim 14 or 16 or 18, wherein the apparatus further comprises:

26. The apparatus of claim 16, wherein the third payment module is further configured to:

the fourth deduction module is further configured to:

27. The apparatus of claim 18, wherein the fifth deduction module is further configured to:

The sixth deduction module is further configured to:

28. A computing device comprising a memory, a processor and computer instructions stored on the memory and executable on the processor, wherein execution of the instructions by the processor implements the steps of the method of any one of claims 1 to 13 when executed by the processor.

29. A computer readable storage medium storing computer instructions which, when executed by a processor, implement the steps of the method of any one of claims 1 to 13.