CN108256834B - Refund management method, device and storage medium - Google Patents
Refund management method, device and storage medium Download PDFInfo
- Publication number
- CN108256834B CN108256834B CN201711097821.1A CN201711097821A CN108256834B CN 108256834 B CN108256834 B CN 108256834B CN 201711097821 A CN201711097821 A CN 201711097821A CN 108256834 B CN108256834 B CN 108256834B
- Authority
- CN
- China
- Prior art keywords
- refund
- internal server
- platform
- information
- area code
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Active
Links
Images
Classifications
-
- G—PHYSICS
- G06—COMPUTING OR CALCULATING; COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
- G06Q20/023—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] the neutral party being a clearing house
-
- G—PHYSICS
- G06—COMPUTING OR CALCULATING; COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/08—Insurance
Landscapes
- Business, Economics & Management (AREA)
- Engineering & Computer Science (AREA)
- Accounting & Taxation (AREA)
- Theoretical Computer Science (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Finance (AREA)
- Computer Security & Cryptography (AREA)
- Development Economics (AREA)
- Economics (AREA)
- Marketing (AREA)
- Technology Law (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
- Medical Treatment And Welfare Office Work (AREA)
Abstract
The invention provides a refund management method, which is applied to a refund management device, wherein the refund management device is in communication connection with an external server and an internal server, and the method comprises the following steps: receiving a refund request of the medical insurance product sent by a sales platform, wherein the sales platform runs in an external server or an internal server; acquiring policy information from a core system of an internal server according to the refund request; when the policy information does not contain bank card information, acquiring a reconciliation area code of the medical insurance product from the sales platform or the core system; and acquiring corresponding account information of the third-party payment platform from the financial system of the internal server according to the reconciliation area code, and controlling the financial system to return the refund amount to the account of the third-party payment platform. The invention also provides a refund management device and a computer readable storage medium.
Description
Technical Field
The present invention relates to a medical insurance product, and more particularly, to a refund management method, apparatus, and storage medium for a medical insurance product.
Background
With the development of science and technology, third party payment platforms (WeChat, Paibao and the like) are increasingly used for daily payment, and the user experience is greatly improved. Third party payment platforms are also often used for payment of medical insurance products. The payment method is different from the conventional payment method in that it has no bank card information. The regulatory requirements of the financial industry dictate: the refund can meet the requirement of the same bank card for going in and out. When the third-party payment platform is used for payment, because the bank card information of the applicant does not exist, if refund happens, the refund cannot be realized because the bank card information is lost, and the user experience is reduced.
Therefore, it is necessary to design a method, an apparatus, and a storage medium for managing refunds of medical insurance products when payments are made using a third party payment platform.
Disclosure of Invention
The invention aims to solve the problems in the prior art, and aims to provide a refund method, a refund device and a refund storage medium, which can still realize the refund operation of medical insurance products when a third-party payment platform is used for payment so as to improve the user experience.
In order to achieve the above object, the present invention provides a refund management method applied to a refund management device, the refund management device being in communication connection with an external server and an internal server, the method comprising the steps of:
receiving a refund request of the medical insurance product sent by a sales platform, wherein the sales platform runs in an external server or an internal server;
acquiring policy information from a core system of an internal server according to the refund request;
when the policy information does not contain bank card information, acquiring a reconciliation area code of the medical insurance product from the sales platform or the core system; and
and acquiring corresponding account information of the third-party payment platform from the financial system of the internal server according to the reconciliation area code, and controlling the financial system to return the refund amount to the account of the third-party payment platform.
As a further improvement of the present invention, the method further comprises:
when the policy information contains bank card information, sending the bank card information and a refund request to a financial system of an internal server; and
and when the financial system confirms that the information of the bank card is correct, controlling the financial system to return the refund amount to the corresponding bank card.
As a further improvement of the invention, the refund amount is obtained by deducting default money from the original amount of the premium paid by the medical insurance product.
As a further improvement of the present invention, policy information is acquired by the steps of:
sending the refund request to an internal server;
controlling an internal server to query a database corresponding to a core system according to the refund request so as to find out policy information corresponding to the refund request; and
and receiving policy information sent by the internal server.
As a further improvement of the present invention, the reconciliation area code is obtained by the following steps:
sending the acquisition request to an external server or an internal server;
controlling the external server or the internal server to inquire the corresponding account checking area code according to the acquisition request; and
and receiving the reconciliation area code sent by the external server or the internal server.
As a further improvement of the present invention, the generating step of the reconciliation area code is as follows:
when an applicant uses a third-party payment platform to pay the insurance of the medical insurance product, receiving account information of the third-party payment platform sent by a sales platform;
sending the account information of the third party payment platform to a core system of an internal server;
when confirming that the insured person is all the persons of the third party payment platform account, storing the account information into corresponding policy information of the core system;
sending the account information to a financial system of an internal server;
receiving a reconciliation area code sent by the financial system, wherein the reconciliation area code is distributed by the financial system according to account information; and
and sending the account checking region code to a sales platform and a core system, and controlling the core system and the sales platform to store the account checking region code into corresponding policy information.
In order to achieve the above object, the present invention further provides a refund management device, communicatively connected to an external server and an internal server, comprising a memory, a processor, and a program code of a refund management system stored on the memory and operable on the processor, wherein the processor executes the program code to implement the following steps:
receiving a refund request of the medical insurance product sent by a sales platform, wherein the sales platform runs in an external server or an internal server;
acquiring policy information from a core system of an internal server according to the refund request;
when the policy information does not contain bank card information, acquiring a reconciliation area code of the medical insurance product from the sales platform or the core system; and
and acquiring corresponding account information of the third-party payment platform from the financial system of the internal server according to the reconciliation area code, and controlling the financial system to return the refund amount to the account of the third-party payment platform.
As a further improvement of the invention, the sales platform is a third party e-commerce platform running in an external server or a direct marketing sales platform running in an internal server.
As a further improvement of the invention, the core system and the financial system run in the same internal server or run in different internal servers respectively.
To achieve the above object, the present invention further provides a computer-readable storage medium including program code of a refund management system, which when executed by a processor, implements the steps of:
receiving a refund request of the medical insurance product sent by a sales platform, wherein the sales platform runs in an external server or an internal server;
acquiring policy information from a core system of an internal server according to the refund request;
when the policy information does not contain bank card information, acquiring a reconciliation area code of the medical insurance product from the sales platform or the core system; and
and acquiring corresponding account information of the third-party payment platform from the financial system of the internal server according to the reconciliation area code, and controlling the financial system to return the refund amount to the account of the third-party payment platform.
As a further improvement of the invention, the program code of the refund management system in the readable storage medium, when executed by the processor, further implements the steps of: :
when the policy information contains bank card information, sending the bank card information and a refund request to a financial system of an internal server; and
and when the financial system confirms that the information of the bank card is correct, controlling the financial system to return the refund amount to the corresponding bank card.
As a further improvement of the invention, the refund amount is obtained by deducting default money from the original amount of the premium paid by the medical insurance product.
As a further improvement of the present invention, policy information is acquired by the steps of:
sending the refund request to an internal server;
controlling an internal server to query a database corresponding to a core system according to the refund request so as to find out policy information corresponding to the refund request; and
and receiving policy information sent by the internal server.
As a further improvement of the present invention, the reconciliation area code is obtained by the following steps:
sending the acquisition request to an external server or an internal server;
controlling the external server or the internal server to inquire the corresponding account checking area code according to the acquisition request; and
and receiving the reconciliation area code sent by the external server or the internal server.
As a further improvement of the present invention, the generating step of the reconciliation area code is as follows:
when an applicant uses a third-party payment platform to pay the insurance of the medical insurance product, receiving account information of the third-party payment platform sent by a sales platform;
sending the account information of the third party payment platform to a core system of an internal server;
when confirming that the insured person is all the persons of the third party payment platform account, storing the account information into corresponding policy information of the core system;
sending the account information to a financial system of an internal server;
receiving a reconciliation area code sent by the financial system, wherein the reconciliation area code is distributed by the financial system according to account information; and
and sending the account checking region code to a sales platform and a core system, and controlling the core system and the sales platform to store the account checking region code into corresponding policy information.
By using the refund management method, the device and the storage medium, account information of the third party payment platform corresponding to the refund request can be acquired by means of the account checking region code, so that the refund operation of the medical insurance product corresponding to the refund request is realized when the third party payment platform is used for payment, and the user experience is improved.
Drawings
FIG. 1 is a schematic diagram illustrating an operating environment of a refund management device according to a preferred embodiment of the present invention;
FIG. 2 is a schematic diagram of a refund management device according to a preferred embodiment of the present invention;
FIG. 3 is a block diagram of a refund management method according to a preferred embodiment of the present invention;
FIG. 4 is a block diagram of the procedure for generating the reconciliation area code according to the preferred embodiment of the invention.
Description of the main elements
| |
100 |
| |
200 |
| |
300 |
| |
400 |
| |
500 |
| Database with a plurality of |
600 |
| Refund management system | 10 |
| Processor with a memory having a plurality of memory cells | 20 |
| Memory device | 30 |
| Display unit | 40 |
The following detailed description will further illustrate the invention in conjunction with the above-described figures.
Detailed Description
The present invention will be described in detail below with reference to embodiments shown in the drawings. However, these embodiments do not limit the present invention, and structural or functional changes made by those skilled in the art according to these embodiments are included in the scope of the present invention.
As will be appreciated by one skilled in the art, embodiments of the present invention may be embodied as a method, apparatus, device, system, or computer program product. Accordingly, the present invention may be embodied in the form of entirely hardware, entirely software (including firmware, resident software, micro-code, etc.) or a combination of hardware and software.
According to an embodiment of the invention, a refund management method, a refund management device and a storage medium are provided.
Referring to fig. 1, a schematic diagram of an operating environment of a refund management device 100 according to a preferred embodiment of the invention is shown. The refund management apparatus 100 is connected to an external server 300 via a network 200. The refund management device 100 may be a computer, a tablet computer, a smart phone, or other computing device. The third party e-commerce platform runs in the external server 300, and can be a network sales platform such as a Tianmao platform and a Jingdong platform. The medical insurance product is sold on the third party e-commerce platform.
The refund management apparatus 100 is also connected to one or more internal servers 500 (2 internal servers are shown in fig. 1) via the local area network 400. The internal server 500 is communicatively connected to a database 600. The internal servers 500 are communicatively connected to each other via a local area network 400.
The internal server 500 includes one or more business systems, and one or more association systems, that are routinely used by the internal business workers of the enterprise. The refund management apparatus 100 logs in the internal server 500 through the local area network 400 to access the business system or the related system. The business system can be a core system for storing the insurance policy information of the medical insurance products or a direct marketing sales platform for selling the medical insurance products; the associated system may be a financial system for the payment and refund of medical insurance product policy. The database 600 is used to store relevant financial information such as policy information, payments and refunds for medical insurance products.
In the preferred embodiment, the core system and the accounting system are respectively run in different internal servers 500. In other preferred embodiments, the core system and the accounting system may also run in the same internal server 500.
After the medical insurance product is successfully sold on the sales platform, the successful sales information is returned to the core system of the internal server 500, and the core system generates and stores the policy information of the medical insurance product. The sales platform includes a third party e-commerce platform of the external server 300 or a camping sales platform of the internal server 500.
When an applicant uses a third-party payment platform to pay the guarantee time of the medical insurance product, the sales platform sends the account information of the third-party payment platform to the core system; when the insurant confirms that the insurant is all the persons of the account of the third-party payment platform, the core system sends the account information of the third-party payment platform to the financial system; and the financial system allocates a reconciliation area code to return to the core system and the sales platform. The reconciliation area code is used for the posting operation of the premium of the medical insurance product in the financial system and the refunding operation of the premium of the medical insurance product. Each reconciliation area code corresponds to policy information for a medical insurance product. The third party payment platform can be a payment platform lacking bank card information, such as a payment treasure and a WeChat.
FIG. 2 is a schematic diagram of a refund management device according to a preferred embodiment of the invention. The refund management system 10 is operated in the refund management device 100, and the refund management system 10 includes a computerized program code. The refund management device 100 further includes a processor 20, a memory 30, and a display unit 40.
The memory 30 includes at least one type of readable storage medium. The at least one type of readable storage medium may be a non-volatile storage medium such as a flash memory, a hard disk, a multimedia card, a card-type memory, and the like. In some embodiments, the readable storage medium may be an internal storage unit of the refund management apparatus 100, such as a hard disk of the refund management apparatus 100. In other embodiments, the readable storage medium may also be the external memory 30 of the refund management device 100, such as a plug-in hard disk, a Smart Media Card (SMC), a Secure Digital (SD) Card, a Flash memory Card (Flash Card), and the like, provided on the refund management device 100.
In the present embodiment, the readable storage medium of the memory 30 is generally used for storing the program codes and the like of the refund management system 10 installed in the refund management apparatus 100. The memory 30 may also be used to temporarily store data that has been output or is to be output.
Processor 20 may be, in some embodiments, a Central Processing Unit (CPU), microprocessor or other data Processing chip configured to execute program code stored in memory 30 or process data, such as program code for executing chargeback management system 10.
The display unit 40 may be a display device such as a display screen, and is configured to display policy information and prompt information indicating whether the refund is successful or not. The display unit 40 may be a display externally connected to the refund management apparatus 100, or may be a display screen of the refund management apparatus 100.
The refund management system 10 is for receiving a refund request for a medical insurance product from an applicant. The refund request is initiated by the applicant at a sales platform, which may be a third party e-commerce platform or a direct-run sales platform, and sent to the refund management system 10 via the sales platform. When the sales platform is a third party e-commerce platform, the external server 300 receives a refund request sent by the applicant on the third party e-commerce platform and sends the refund request to the refund management system 10 through the network 200. When the sales platform is a direct operation sales platform, the internal server 500 receives a refund request transmitted from the policyholder on the direct operation sales platform, and transmits the refund request to the refund management system 10 through the local area network 400.
The refund management system 10 is configured to obtain policy information according to the refund request. In the preferred embodiment, the refund management system 10 queries the core system of the internal server 500 according to the refund request to obtain the corresponding policy information. The steps of acquiring policy information are as follows: the refund management system 10 sends a refund request to the internal server 500 via the local area network 400; the internal server 500 queries the database 600 corresponding to the core system according to the refund request to find out the policy information corresponding to the refund request, and sends the policy information to the refund management system 10 through the local area network 400, and the refund management system 10 receives the policy information sent by the internal server 500.
The refund management system 10 is configured to determine whether the policy information includes bank card information.
When the policy information includes bank card information, the refund management system 10 is configured to perform a refund operation of the medical insurance product according to the bank card information. In the preferred embodiment, the refund management system 10 sends the bank card information and the refund request to the financial system through the lan 400, controls the financial system to check the bank card information and the refund request, and controls the financial system to refund the refund amount to the corresponding bank card to complete the refund operation when confirming that the bank card information is correct. The refund amount is obtained by deducting default money from the original amount of the premium paid by the medical insurance product, namely the refund amount is the original amount-the default money, and the default money is determined according to the refund rule agreed by the contract. For example, the refund rule may initiate a deduction request within a preset number of days, with a preset proportion (e.g., 15%) of the original amount due as default.
When the policy information does not include bank card information, the refund management system 10 is configured to obtain a reconciliation area code of the medical insurance product from a sales platform or a core system. In this preferred embodiment, when the sales platform is a third-party e-commerce platform, the step of obtaining the reconciliation area code is as follows: the refund management system 10 sends an acquisition request to the external server 300 through the network 200, the external server 300 inquires a corresponding reconciliation area code according to the acquisition request and sends the reconciliation area code to the refund management system 10 through the network 200, and the refund management system 10 receives the reconciliation area code sent by the external server 300. In this preferred embodiment, when the sales platform is a direct marketing sales platform, or when the reconciliation area code is obtained from a core system, the step of obtaining the reconciliation area code is as follows: the refund management system 10 sends the acquisition request to the internal server 500 through the local area network 400, the internal server 500 inquires the corresponding reconciliation area code according to the acquisition request and sends the reconciliation area code to the refund management system 10 through the local area network 400, and the refund management system 10 receives the reconciliation area code sent by the internal server 500.
In this preferred embodiment, the generating step of the area account checking code is as follows: when an applicant uses a third-party payment platform to pay for the medical insurance product, the sales platform sends the account information of the third-party payment platform to the refund management system 10, and the refund management system 10 sends the account information of the third-party payment platform to the core system of the internal server 500; when confirming that the insured person is all the third party payment platform account, the refund management system 10 stores the account information into the corresponding policy information of the core system, and sends the account information to the financial system of the internal server 500; the financial system distributes a reconciliation area code according to the account information and sends the reconciliation area code to the refund management system 10; the refund management system 10 receives the reconciliation area code sent by the financial system, sends the reconciliation area code to the core system of the sales platform and the internal server 500, and controls the core system and the sales platform to store the reconciliation area code into the corresponding policy information. The reconciliation area code is used for the posting operation of the premium of the medical insurance product in the financial system and the refunding operation of the premium of the medical insurance product. The reconciliation area codes are determined based on address information of the policy insured life, each reconciliation area code corresponding to policy information for a medical insurance product.
The refund management system 10 is configured to perform a refund operation for the medical insurance product based on the reconciliation area code. In the preferred embodiment, the refund management system 10 sends the reconciliation area code to the financial system, controls the financial system to obtain the account information of the corresponding third-party payment platform according to the reconciliation area code, and controls the financial system to refund the refund amount to the account of the third-party payment platform and to refund to the payment bank card through the account of the third-party payment platform, so as to complete the refund operation.
FIG. 3 is a block diagram of a refund management method according to a preferred embodiment of the invention.
In step S10, the refund management system 10 receives a request for refund of a medical insurance product from an applicant. The refund request is initiated by the applicant at a sales platform, which may be a third party e-commerce platform or a direct-run sales platform, and sent to the refund management system 10 via the sales platform. When the sales platform is a third party e-commerce platform, the external server 300 receives a refund request sent by the applicant on the third party e-commerce platform and sends the refund request to the refund management system 10 through the network 200. When the sales platform is a direct operation sales platform, the internal server 500 receives a refund request transmitted from the policyholder on the direct operation sales platform, and transmits the refund request to the refund management system 10 through the local area network 400.
In step S20, the refund management system 10 obtains policy information according to the refund request. In the preferred embodiment, the refund management system 10 queries the core system of the internal server 500 according to the refund request to obtain the corresponding policy information. The steps of acquiring policy information are as follows: the refund management system 10 sends a refund request to the internal server 500 via the local area network 400; the internal server 500 queries the database 600 corresponding to the core system according to the refund request to find out the policy information corresponding to the refund request, and sends the policy information to the refund management system 10 through the local area network 400, and the refund management system 10 receives the policy information sent by the internal server 500.
In step S30, the refund management system 10 determines whether the policy information includes bank card information. If the policy information includes the bank card information, step S40 is executed, and the refund management system 10 performs a refund operation of the medical insurance product according to the bank card information. If the policy information does not include the bank card information, step S50 is executed.
In the preferred embodiment, the refund management system 10 sends the bank card information and the refund request to the financial system through the lan 400, controls the financial system to check the bank card information and the refund request, and controls the financial system to refund the refund amount to the corresponding bank card to complete the refund operation when confirming that the bank card information is correct. The refund amount is obtained by deducting default money from the original amount of the premium paid by the medical insurance product, namely the refund amount is the original amount-the default money, and the default money is determined according to the refund rule agreed by the contract. For example, the refund rule may initiate a deduction request within a preset number of days, with a preset proportion (e.g., 15%) of the original amount due as default.
At step S50, the refund management system 10 obtains the reconciliation area code for the medical insurance product from a sales platform or core system.
In this preferred embodiment, when the sales platform is a third-party e-commerce platform, the step of obtaining the reconciliation area code is as follows: the refund management system 10 sends an acquisition request to the external server 300 through the network 200, the external server 300 inquires a corresponding reconciliation area code according to the acquisition request and sends the reconciliation area code to the refund management system 10 through the network 200, and the refund management system 10 receives the reconciliation area code sent by the external server 300. In this preferred embodiment, when the sales platform is a direct marketing sales platform, or when the reconciliation area code is obtained from a core system, the step of obtaining the reconciliation area code is as follows: the refund management system 10 sends the acquisition request to the internal server 500 through the local area network 400, the internal server 500 inquires the corresponding reconciliation area code according to the acquisition request and sends the reconciliation area code to the refund management system 10 through the local area network 400, and the refund management system 10 receives the reconciliation area code sent by the internal server 500.
The generation step of the reconciliation area code is described in detail below with reference to fig. 4.
In step S60, the refund management system 10 performs a refund operation of the medical insurance product based on the reconciliation area code. In the preferred embodiment, the refund management system 10 sends the reconciliation area code to the financial system, controls the financial system to obtain the account information of the corresponding third-party payment platform according to the reconciliation area code, and controls the financial system to refund the refund amount to the account of the third-party payment platform and to refund to the payment bank card through the account of the third-party payment platform, so as to complete the refund operation.
FIG. 4 is a block diagram of the procedure for generating the reconciliation area code according to the preferred embodiment of the invention.
Step S510, when the applicant uses the third party payment platform to pay the insurance product for insurance, the refund management system 10 receives the account information of the third party payment platform sent by the sales platform.
In step S520, the refund management system 10 sends the account information of the third party payment platform to the core system of the internal server 500.
In step S530, when the applicant is confirmed to be the owner of the third party payment platform account, the refund management system 10 stores the account information into the corresponding policy information of the core system.
In step S540, the refund management system 10 sends the account information to the financial system of the internal server 500. The financial system assigns a reconciliation area code based on the account information and sends the reconciliation area code to the refund management system 10.
In step S550, the refund management system 10 receives the reconciliation area code sent by the finance system.
In step S560, the refund management system 10 sends the reconciliation area code to the core system of the sales platform and the internal server 500. And the core system and the sales platform store the reconciliation area code into corresponding policy information.
It should be understood that although the present description refers to embodiments, not every embodiment contains only a single technical solution, and such description is for clarity only, and those skilled in the art should make the description as a whole, and the technical solutions in the embodiments can also be combined appropriately to form other embodiments understood by those skilled in the art.
The above-listed detailed description is only a specific description of a possible embodiment of the present invention, and they are not intended to limit the scope of the present invention, and equivalent embodiments or modifications made without departing from the technical spirit of the present invention should be included in the scope of the present invention.
Claims (10)
1. A refund management method is applied to a refund management device which is in communication connection with an external server and an internal server, and is characterized by comprising the following steps:
receiving a refund request of the medical insurance product sent by a sales platform, wherein the sales platform runs in an external server or an internal server;
acquiring policy information from a core system of an internal server according to the refund request;
when the policy information does not contain bank card information, acquiring a reconciliation area code corresponding to the policy information from the sales platform or the core system; and
and acquiring corresponding account information of the third-party payment platform from the financial system of the internal server according to the reconciliation area code, and controlling the financial system to return the refund amount to the account of the third-party payment platform.
2. A refund management method according to claim 1, the method further comprising:
when the policy information contains bank card information, sending the bank card information and a refund request to a financial system of an internal server; and
and when the financial system confirms that the information of the bank card is correct, controlling the financial system to return the refund amount to the corresponding bank card.
3. A refund management method according to claim 1, wherein the refund amount is obtained by deducting default money from an original amount of a premium paid for the medical insurance product.
4. A refund management method according to claim 1, wherein the policy information is acquired by:
sending the refund request to an internal server;
controlling an internal server to query a database corresponding to a core system according to the refund request so as to find out policy information corresponding to the refund request; and
and receiving policy information sent by the internal server.
5. A refund management method according to claim 1, wherein the reconciliation area code is obtained by:
sending the acquisition request to an external server or an internal server;
controlling the external server or the internal server to inquire the corresponding account checking area code according to the acquisition request; and
and receiving the reconciliation area code sent by the external server or the internal server.
6. A refund management method according to claim 1, wherein the reconciliation area code is generated by:
when an applicant uses a third-party payment platform to pay the insurance of the medical insurance product, receiving account information of the third-party payment platform sent by a sales platform;
sending the account information of the third party payment platform to a core system of an internal server;
when confirming that the insured person is all the persons of the third party payment platform account, storing the account information into corresponding policy information of the core system;
sending the account information to a financial system of an internal server;
receiving a reconciliation area code sent by the financial system, wherein the reconciliation area code is distributed by the financial system according to account information; and
and sending the account checking region code to a sales platform and a core system, and controlling the core system and the sales platform to store the account checking region code into corresponding policy information.
7. A refund management device communicatively coupled to an external server and an internal server, comprising a memory, a processor, and program code for a refund management system stored on the memory and operable on the processor, wherein the processor executes the program code to perform the steps of:
receiving a refund request of the medical insurance product sent by a sales platform, wherein the sales platform runs in an external server or an internal server;
acquiring policy information from a core system of an internal server according to the refund request;
when the policy information does not contain bank card information, acquiring a reconciliation area code corresponding to the policy information from the sales platform or the core system; and
and acquiring corresponding account information of the third-party payment platform from the financial system of the internal server according to the reconciliation area code, and controlling the financial system to return the refund amount to the account of the third-party payment platform.
8. The refund management device of claim 7, wherein the sales platform is a third party e-commerce platform running in an external server or a direct marketing platform running in an internal server.
9. A refund management device according to claim 7, wherein the core system and the financial system are run in the same internal server or in separate internal servers.
10. A computer-readable storage medium, characterized in that the computer-readable storage medium comprises program code of a refund management system, which when executed by a processor, carries out the steps of the refund management method according to any of claims 1 to 6.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201711097821.1A CN108256834B (en) | 2017-11-09 | 2017-11-09 | Refund management method, device and storage medium |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201711097821.1A CN108256834B (en) | 2017-11-09 | 2017-11-09 | Refund management method, device and storage medium |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| CN108256834A CN108256834A (en) | 2018-07-06 |
| CN108256834B true CN108256834B (en) | 2021-10-22 |
Family
ID=62721544
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201711097821.1A Active CN108256834B (en) | 2017-11-09 | 2017-11-09 | Refund management method, device and storage medium |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN108256834B (en) |
Families Citing this family (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN109003069B (en) * | 2018-07-27 | 2022-05-10 | 创新先进技术有限公司 | Resource rollback method and device |
| CN111754235B (en) * | 2020-06-03 | 2023-05-09 | 支付宝(杭州)信息技术有限公司 | Resource rollback method, device and equipment |
| CN113643111B (en) * | 2021-07-16 | 2024-06-25 | 国网山东省电力公司营销服务中心(计量中心) | Electric power marketing refund management system and method |
Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103186861A (en) * | 2011-12-30 | 2013-07-03 | 上海博泰悦臻电子设备制造有限公司 | Electronic payment method based on cloud data processing technology |
| CN104599123A (en) * | 2013-10-31 | 2015-05-06 | 腾讯科技（深圳）有限公司 | Management method for account information, account management server and a POS terminal and system |
| CN105469297A (en) * | 2015-11-19 | 2016-04-06 | 中国建设银行股份有限公司 | Fund processing method for electronic commerce system and fund processing system for electronic commerce system |
| CN107133788A (en) * | 2017-05-02 | 2017-09-05 | 深圳乐信软件技术有限公司 | A kind of reimbursement processing method and processing device |
Family Cites Families (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US8090649B2 (en) * | 2008-12-18 | 2012-01-03 | Metabank | Computerized extension of credit to existing demand deposit accounts, prepaid cards and lines of credit based on expected tax refund proceeds, associated systems and computer program products |
-
2017
- 2017-11-09 CN CN201711097821.1A patent/CN108256834B/en active Active
Patent Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103186861A (en) * | 2011-12-30 | 2013-07-03 | 上海博泰悦臻电子设备制造有限公司 | Electronic payment method based on cloud data processing technology |
| CN104599123A (en) * | 2013-10-31 | 2015-05-06 | 腾讯科技（深圳）有限公司 | Management method for account information, account management server and a POS terminal and system |
| CN105469297A (en) * | 2015-11-19 | 2016-04-06 | 中国建设银行股份有限公司 | Fund processing method for electronic commerce system and fund processing system for electronic commerce system |
| CN107133788A (en) * | 2017-05-02 | 2017-09-05 | 深圳乐信软件技术有限公司 | A kind of reimbursement processing method and processing device |
Also Published As
| Publication number | Publication date |
|---|---|
| CN108256834A (en) | 2018-07-06 |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| US9407655B2 (en) | Monitoring security risks to enterprise corresponding to access rights and access risk calculation | |
| CN109978504A (en) | Processing method, device, equipment and the storage medium of financial data | |
| US20050222944A1 (en) | System and method for managing the reimbursement of expenses using expense reports | |
| US8463676B1 (en) | Interpreting refund discrepancies | |
| CN110728429A (en) | Case allocation method, case allocation device, case allocation medium and computer equipment | |
| JP2012533824A (en) | Systems and methods for real-time batch account processing | |
| CN108256834B (en) | Refund management method, device and storage medium | |
| CN112200673A (en) | Method, device and equipment for cashless bank right and readable storage medium | |
| CN112927090B (en) | Method and device for generating service order data | |
| CN108257031B (en) | Medical insurance product issuing method and device and storage medium | |
| CN109919449B (en) | Asset inventory method and computer-readable storage medium | |
| US20150206145A1 (en) | Id management device, id management method, and id management program | |
| CN112435114A (en) | Internet fund storage and management service management method, system, electronic equipment and readable storage medium | |
| CN108038667B (en) | Policy generation method, device and equipment | |
| CN111640006B (en) | Bank payment method and device, terminal and storage medium | |
| CN112330330B (en) | Equity data processing method, device, computer equipment and storage medium | |
| US12148041B2 (en) | Systems and methods for allocating assets to directed and interest-based participants | |
| CN109035033B (en) | Information processing method and terminal for reduced-protection service | |
| CN113642994A (en) | Project management system and method | |
| WO2019052113A1 (en) | Insurance expense payment method and apparatus, terminal device and medium | |
| CN111815307A (en) | Asset management method of block chain, electronic device and storage medium | |
| JP2021047574A (en) | Settlement information sharing system | |
| JP6224669B2 (en) | Payment application system, payment application method, and program | |
| CN116091239A (en) | Commission issuing method, apparatus, computer device and storage medium | |
| JP7426812B2 (en) | Information processing system, information processing device, server, program, or method |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| GR01 | Patent grant | ||
| GR01 | Patent grant |