Internet Insurance Unified Service Engine For Multi-Port Study

By the end of 2017,the user amount of the internet is more than 0.772 billion,the popularity rate of Internet have reached 55.8%,the financial application of internet grow rapidly,the online pay and the online financial product increase 11.9% and 30.2% respectively.Beginning 2004,the insurance industry of china enter the opening period,the new characteristics of which are marketization,specialization,internationalization,standardization,and those become clear more.Until 2017,through 30 years,the insurance industry of china get not bad score,the premium is more than 2000 billion per year! It is a charming cake,many companies and investors want to involve in it,including network platform which own many users.The channel for selling insurance policy is more and more,the beginning is individual channel,and then Bank sale channel,then Call channel,and the newest one is the Internet channel.The Internet channel,in fact,is currently a junior,it should take a long time to become powerful,the internet force human to change something quickly.The insurance product is sold online,and most service is done in internet,we call it Internet Insurance.Some outstanding websites,owning numerous users,maybe want to involve in many businesses,including the insurance,the insurance may stick relationship between website and users closely,and get more income,but common website have no the qualification for selling insurance,no insurance products.So a platform is necessary for supplying the qualification and the product,we name it Insurance Intermediary platform.The Third Platform for Insurance is comprised of three layers,the third layer is the back interface layer,it faces the system of insurance company,the first layer is the front interface layer,it is embedded in a website,the middle layer is the business logic layer,it due to process the business logic,including business data check,underwriting,pay,approval process,etc.The third platform for Insurance link to multiple insurance companies,in the other words,the data source is multiple,but it provide a single interface for website,and it is the embedded modal.So the platform is named Internet Insurance Unified Service Engine for Multi-port,the short name is USE-M.During the design phase of USE-M,SOA is adopted,and many Middleware products are compared,at last,MuleESB framework is chosen,as it is easy and mature.In communication protocol,Webservice,HTTP and HTTPS are used.As USE-M is an internet shopping system,the high concurrent can't be avoided,additionally,the system must link to many outside systems,therefor,the press and the performance must be thought carefully,in order to solve this question,it adopt three measures,the first measure is cluster,the second measure is Redis,the third measure is Apache AcitveMQ.After joined USE-M,the website sale insurance products easily,it just embed a web page of USE-M into the homepage,or use code modal through API interface.In this way,the website can ignore the time for facing the insurance company which will expend the massive time and money.Additionally,USE-M may provide the qualification for selling insurance,using the qualification,the website is approved to sale the insurance product by China Insurance Regulatory Commission.