CN106971344A - Insured amount control method and system - Google Patents
Insured amount control method and system Download PDFInfo
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- CN106971344A CN106971344A CN201610024341.1A CN201610024341A CN106971344A CN 106971344 A CN106971344 A CN 106971344A CN 201610024341 A CN201610024341 A CN 201610024341A CN 106971344 A CN106971344 A CN 106971344A
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Abstract
The present invention relates to a kind of insured amount control method and system.The above method comprises the following steps：Warrantee's list is obtained, warrantee's information is extracted from warrantee's list；According to this insurance data of warrantee's acquisition of information warrantee, this described insurance data includes the insurance kind and corresponding protection amount thised in insuring；The insured amount threshold value of insurance kind major class and matching belonging to this described insurance kind in insuring of inquiry；Warrantee history insurance data corresponding with the insurance kind major class is obtained according to the insurance kind major class；The cumulative protection amount of history is determined according to the history insurance data；Judge whether the corresponding insured amount sum of the cumulative insured amount insurance kind with this in insuring of the history is more than the insured amount threshold value, if more than the insured amount threshold value, this corresponding protection amount of insurance kind in insuring described in adjustment.Above-mentioned insured amount control method and system, the risk in it can preferably reduce insurance business on the basis of meeting fast transaction strengthen risk management.
Description
Technical field
The present invention relates to field of computer technology, more particularly to a kind of insured amount control method and system.
Background technology
Protection amount is insured amount, refers to that the insurer undertakes the ceiling of reparation or payment insurance money responsibility,
I.e. insurance company pays the ceiling of reasonable expense reparation.It is fast in order to meet in traditional insurance business
Speed transaction, often protects flow using simple core, often can not be to personal income is proved, health is informed, body
Sample material etc. carries out manual examination and verification, so the insurer requires insurant by the way of protection amount control to reduce
Adverse selection and moral hazard, are that each insurance kind setting highest is insured amount, when user buys in the system of insuring
During insurance, insured amount no more than highest of acquisition is insured amount.And when the system of insuring is more and more, it is same
The possible different time of insurant is in multiple similar insurance products of systems buying of insuring, and the protection amount obtained may
Highest more than setting is insured amount, if the insured amount control of data progress only with system of currently insuring can not be effectively
Carry out risk management.
The content of the invention
Based on this, it is necessary to provide a kind of insured amount control method, the wind in insurance business can be preferably reduced
Danger, strengthens risk management.
In addition, there is a need to a kind of insured amount control system of offer, the wind in insurance business can be preferably reduced
Danger, strengthens risk management.
A kind of insured amount control method, comprises the following steps：
Warrantee's list is obtained, warrantee's information is extracted from warrantee's list；
According to this insurance data of warrantee's acquisition of information warrantee, this described insurance data includes
This insurance kind and corresponding protection amount in insuring；
The insured amount threshold value of insurance kind major class and matching belonging to this described insurance kind in insuring of inquiry；
Warrantee history insurance data corresponding with the insurance kind major class is obtained according to the insurance kind major class；
The cumulative protection amount of history is determined according to the history insurance data；
Described in judging whether the corresponding insured amount sum of the cumulative insured amount insurance kind with this in insuring of the history be more than
Insured amount threshold value, if more than the insured amount threshold value, this described corresponding protection amount of insurance kind in insuring of adjustment.
In one of the embodiments, also to include this insurance kind in insuring corresponding for this described insurance data
Effective date and day of due date；
It is described that the cumulative insured amount step of history is determined according to the history insurance data, including：
Insured amount history is divided according to the effective date of the history insurance data and day of due date to come into force interval；
Judge whether each insured amount history comes into force in interval corresponding comprising this described insurance kind in insuring respectively
Effective date or day of due date；
If comprising, by the insured amount history come into force interval corresponding protection amount be added to history it is cumulative insured amount in.
In one of the embodiments, methods described also includes：
History insurance data is collected according to HADOOP platforms；
According to history insurance data described in ad hoc rules analysis summary, and generate history and insure record sheet.
In one of the embodiments, it is described to analyze the history insurance data according to ad hoc rules, and generate
History insure record sheet the step of, including：
By the history insurance data according to warrantee's information, insurance kind and effective date corresponding with the insurance kind and
Day of due date is classified；
Sorted history insurance data is aggregated into history in special time to insure in record sheet.
In one of the embodiments, warrantee's information includes type of credential；
After the step of described this insurance data according to warrantee's acquisition of information warrantee, also wrap
Include：
Judge that the warrantee insures record with the presence or absence of history according to the type of credential；
If being not present, judge that this insurance kind in insuring is corresponding and insured amount whether be more than this danger in insuring
The insured amount threshold value of insurance kind major class matching belonging to kind, if more than the insured amount threshold value, this described throwing of adjustment
The corresponding protection amount of insurance kind in guarantor.
A kind of insured amount control system, including：
Warrantee's module is obtained, for obtaining warrantee's list, warrantee is extracted from warrantee's list
Information；
This module of insuring is obtained, for this insurance data according to warrantee's acquisition of information warrantee,
This described insurance data includes the insurance kind and corresponding protection amount thised in insuring；
Enquiry module, for inquiring about the insurance kind major class belonging to this described insurance kind in insuring and the protection amount of matching
Threshold value；
Obtain history to insure module, for obtaining the warrantee according to the insurance kind major class and the insurance kind is big
The corresponding history insurance data of class；
Determining module, for determining the cumulative protection amount of history according to the history insurance data；
Adjusting module, for judging the corresponding protection amount of the cumulative insured amount insurance kind with this in insuring of the history
Whether the insured amount threshold value is more than, if more than the insured amount threshold value, this described danger in insuring of adjustment
Plant corresponding protection amount.
In one of the embodiments, also to include this insurance kind in insuring corresponding for this described insurance data
Effective date and day of due date；
The determining module includes：
Division unit, insured amount history life is divided for the effective date according to the history insurance data and day of due date
Effect is interval；
Whether judging unit, insure for judging each insured amount history to come into force in interval respectively comprising described this
In the insurance kind corresponding effective date or day of due date；
Adding device, if it is corresponding comprising this described insurance kind in insuring in interval to be come into force for insured amount history
Effective date or day of due date, then be added to the cumulative protection amount of history by the insured amount history interval corresponding protection amount that comes into force
In.
In one of the embodiments, the system also includes：
Collection module, for collecting history insurance data according to HADOOP platforms；
Summarizing module, for according to history insurance data described in ad hoc rules analysis summary, and generates history throwing
Protect record sheet.
In one of the embodiments, the summarizing module includes：
Taxon, for by the history insurance data according to warrantee's information, insurance kind and with the insurance kind
Corresponding effective date and day of due date are classified；
Collection unit, insures record for sorted history insurance data to be aggregated into history in special time
In table.
In one of the embodiments, warrantee's information includes type of credential；
The system also includes：
Judge module, for judging that the warrantee insures record with the presence or absence of history according to the type of credential；
Insured record in the absence of history if the adjusting module is additionally operable to the warrantee, judge that this is insured
In the corresponding insured amount insured amount threshold for whether being more than the insurance kind major class matching belonging to this insurance kind in insuring of insurance kind
Value, if more than the insured amount threshold value, this described corresponding protection amount of insurance kind in insuring of adjustment.
Above-mentioned insured amount control method and system, are obtained during this insures according to this insurance data of warrantee
Insurance kind major class belonging to insurance kind and insured amount threshold value, then obtain warrantee's history corresponding with insurance kind major class and insure number
According to, the cumulative protection amount of history is determined by history insurance data, can be according to history cumulative insured amount and warrantee and institute
State the corresponding history insurance data of insurance kind major class and carry out insured amount control, and not only carried out with current data insured amount
Control, the risk in it can preferably reduce insurance business on the basis of meeting fast transaction strengthens risk
Management.
Brief description of the drawings
Fig. 1 is the schematic flow sheet of insured amount control method in one embodiment；
Fig. 2 is the cumulative insured amount schematic flow sheet of determination history in one embodiment；
Fig. 3 is that generation history is insured the schematic flow sheet of record sheet in one embodiment；
Fig. 4 is the structural representation of insured amount control system in one embodiment；
Fig. 5 is the internal structure schematic diagram of determining module in one embodiment；
Fig. 6 is the structural representation of insured amount control system in another embodiment；
Fig. 7 is the internal structure schematic diagram of summarizing module in one embodiment.
Embodiment
In order to make the purpose , technical scheme and advantage of the present invention be clearer, below in conjunction with accompanying drawing and reality
Example is applied, the present invention will be described in further detail.It should be appreciated that specific embodiment described herein is only
To explain the present invention, it is not intended to limit the present invention.
As shown in figure 1, a kind of insured amount control method, comprises the following steps：
Step S110, obtains warrantee's list, and warrantee's information is extracted from warrantee's list.
Specifically, the information for each warrantee that is stored with warrantee's list, wherein, warrantee's information includes
The information such as name, type of credential, certificate number, the customer number of warrantee.Warrantee refers to basis and insurance
The insurance contract that people concludes, its property interest or the person are ensured by insurance contract, after insurance risk generation,
The people for enjoying the insurance money right of asking for.
Step S120, according to this insurance data of warrantee acquisition of information warrantee.
Specifically, can be believed according to warrantees such as the name of warrantee, type of credential, certificate number, customer numbers
Breath obtains this insurance data of warrantee.It may include warrantee institute in this is insured in this insurance data
The information such as the insurance kind of purchase and corresponding insured amount, insurance kind corresponding effective date and day of due date, wherein, insurance kind refers to
Be insurance products species, each different insurance kind can set different insurance kinds numberings, and such as insurance kind is " hands over
Logical accident/injury insurance (A moneys) " insurance kind numbering is P112211, insurance kind for " gas user unexpected injury is protected
Danger " insurance kind numbering is that P1124, insurance kind are P1143 for " family planning family accident/injury insurance " insurance kind numbering
Deng.The corresponding insurance products of each different insurance kind are different, the insurance contract that the insurer concludes with warrantee
Also it is different.
Step S130, the insured amount threshold value of insurance kind major class and matching belonging to the insurance kind inquired about during this is insured.
Specifically, an insurance kind major class may include multiple insurance kinds, for example, insurance kind major class is " the unexpected class of trip
(public transport)-aircraft ", including " Traffic accident injury insures (A moneys) ", " air passenger unexpected injury
Insurance is unexpected to die ", " Traffic accident injury insures (B moneys) ", " comprehensive traffic accident/injury insurance (class of civil aviaton
Machine unexpected injury) " etc. insurance kind.The insured amount threshold value of different insurance kind major class matchings is different, and insured amount threshold value is to be protected
People can be obtained highest protection amount in the insurance kind in buying the insurance major class, and insured amount threshold value can be according to specific feelings
Condition is set in advance, can be set different insured amount threshold values for different areas, is conducive to carrying out insured amount control
System.For example, insurance kind major class is " unexpected class (the public transport)-aircraft of trip ", insured amount threshold value is 10,000,000
RMB, insurance kind major class is " general accident class (deformity) ", in Shanghai, Beijing, Guangdong, Jiangsu, Zhejiang
The insured amount threshold value in river and Shenzhen is 2,000,000 RMB, and in other areas, insured amount threshold value is 1,000,000 RMB.
Step S140, warrantee's history insurance data corresponding with the insurance kind major class is obtained according to the insurance kind major class.
Whether deposited specifically, can be inquired about according to warrantee's information and the insurance kind major class in history insures record sheet
In warrantee's history insurance data corresponding with the insurance kind major class, if in the presence of obtaining the history insurance data.
History insurance data includes the insurance kind corresponding effective date under the insurance kind major class that warrantee once bought and expired
The information such as day phase, corresponding protection amount.For example, this insurance kind insured of warrantee is " Traffic accident injury guarantor
Danger (A moneys) ", the insurance kind major class belonging to it is " unexpected class (the public transport)-aircraft of trip ", passes through inquiry
History is insured record sheet, can be obtained the warrantee once buying before and be belonged to that " the unexpected class of trip is (public
Traffic)-aircraft " insurance kind major class " AVIATION PASSENGER ACCIDENT INSURANCE is surprisingly die " insurance kind, the guarantor of acquisition
Volume is 2,000,000 RMB, and the effective date is on March 2nd, 2014, and day of due date is on March 2nd, 2016,
Also " the comprehensive traffic meaning for belonging to " unexpected class (the public transport)-aircraft of trip " insurance kind major class was once bought
Outer injury insurance (commercial airliner unexpected injury) ", the protection amount of acquisition is 5,000,000 RMB, and the effective date is 2015
In on January 1, in, day of due date is on January 1st, 2016, and this two records of insuring belong to warrantee and the danger
Plant the corresponding history insurance data of major class.
Step S150, the cumulative protection amount of history is determined according to history insurance data.
Specifically, can be according to the guarantor of each insurance kind in warrantee's history insurance data corresponding with the insurance kind major class
Volume determines the cumulative protection amount of history.As shown in Fig. 2 in one embodiment, step S150 specifically include with
Lower step：
Step S202, divides insured amount history according to the effective date of history insurance data and day of due date and comes into force interval.
Specifically, it is corresponding to obtain insurance kind corresponding effective date and day of due date, insurance kind in history insurance data
The information such as protection amount, and divide insured amount history and come into force interval.For example, warrantee is with insurance kind major class, " trip is unexpected
The corresponding history insurance data of class (public transport)-aircraft " includes：" AVIATION PASSENGER ACCIDENT INSURANCE is unexpected
Die " insurance kind, the protection amount of acquisition is 2,000,000 RMB, and the effective date is on March 2nd, 2014, day of due date
For on March 2nd, 2016, then the corresponding insured amount history of the RMB of protection amount 2,000,000 of insurance kind interval of coming into force was
On March 2,2 days to 2016 March in 2014；" comprehensive traffic accident/injury insurance (commercial airliner accidental wound
Evil) " insurance kind, the protection amount of acquisition is 5,000,000 RMB, and the effective date is on January 1st, 2015, and day of due date is
On January 1st, 2016, then it is 2015 1 that the corresponding insured amount history of the protection amount 5,000,000 of the insurance kind, which comes into force interval,
On January 1st, 1 day 1 moon.
Step S204, judges that whether each insured amount history comes into force in interval comprising the insurance kind thised in insuring respectively
Corresponding effective date and day of due date, if so, step S206 is then performed, if it is not, then performing step S208.
Come into force specifically, having divided insured amount history behind interval, can judge that each insured amount history comes into force interval respectively
Inside whether comprising the insurance kind corresponding effective date and day of due date thised in insuring, if so, then by corresponding protection amount
It is added in the cumulative protection amount of history, if it is not, not dealing with then.For example, this insurance kind pair for insuring of warrantee
The effective date answered is 2014 May 6, and day of due date is on May 6th, 2016, two insured amount history lifes
Interval effect is on March 2,2 days to 2016 March in 2014 and 1 day to 2016 1 January in 2015
The moon 1, including the insurance kind corresponding effective date or day of due date thised in insuring, the cumulative guarantor of history can be set
Volume initial value is 0, then two insured amount history comes into force interval corresponding insured amount 2,000,000 RMB and 5,000,000 people
People's coin is added in the cumulative protection amount of history, then the history finally determined is cumulative insured amount for 7,000,000 RMB.If
On the January 1 that warrantee is 2014 this insurance kind corresponding effective date insured, day of due date is 2014 12
The moon 31, then insured amount history, which comes into force, includes this throwing interval on March 2,2 days to 2016 March in 2014
Insurance kind corresponding effective date and day of due date in guarantor, insured amount history come into force interval 1 day to 2016 January in 2015
Do not include the insurance kind corresponding effective date or day of due date thised in insuring on January 1, in, then by first protection amount
History come into force interval corresponding insured amount 2,000,000 RMB be added to history it is cumulative it is insured amount in, then finally determine
History is cumulative insured amount for 2,000,000 RMB.
Step S206, by insured amount history come into force interval corresponding protection amount be added to history it is cumulative insured amount in.
Step S208, does not deal with.
Step S160, judges whether the corresponding insured amount sum of the cumulative insured amount insurance kind with this in insuring of history is big
In insured amount threshold value, if so, step S170 is then performed, if it is not, then terminating.
If specifically, the corresponding insured amount sum of the cumulative insured amount insurance kind with this in insuring of history is more than affiliated
The corresponding insured amount threshold value of insurance kind major class, then need to adjust this corresponding protection amount of insurance kind in insuring.For example determine
History it is cumulative insured amount be 7,000,000 RMB, insured amount threshold value is 10,000,000 RMB, this danger in insuring
It is kind corresponding it is insured amount be 4,000,000 RMB, then the corresponding guarantor of the cumulative insured amount insurance kind with this in insuring of history
Volume sum is more than the insured amount threshold value, then can reduce this protection amount insured, and sum of the two is less than the insured amount threshold
Value.
Step S170, adjusts the corresponding protection amount of insurance kind during this is insured.
In other embodiments, a plurality of record of insuring may be included in this insurance data of warrantee,
Include the information such as insurance kind and corresponding insured amount, insurance kind corresponding effective date and day of due date in every record of insuring,
Every record of insuring is both needed to obtain related history insurance data to determine and adjust this insurance kind pair in insuring
The protection amount answered.
Above-mentioned insured amount control method, the insurance kind institute during this is insured is obtained according to this insurance data of warrantee
The insurance kind major class of category and insured amount threshold value, then warrantee's history insurance data corresponding with insurance kind major class is obtained, lead to
Cross history insurance data and determine the cumulative protection amount of history, can be according to the cumulative insured amount and warrantee of history and the insurance kind
The corresponding history insurance data of major class carries out insured amount control, and not only carries out insured amount control with current data,
Risk in it can preferably reduce insurance business on the basis of meeting fast transaction, strengthens risk management.
As shown in figure 3, in one embodiment, above-mentioned insured amount control method, in addition to：
Step S302, history insurance data is collected according to HADOOP platforms.
Specifically, HADOOP be it is a kind of can to mass data carry out distributed treatment software frame, with
A kind of reliable, efficient, telescopic mode carries out data processing, can carry out the extraction of mass data, deposit
Storage and calculating.The history insurance data of multiple systems of insuring can be collected by HADOOP platforms, and be divided
Analysis collects, and generation history is insured record sheet.
Step S304, according to ad hoc rules analysis summary history insurance data, and generates history and insures record sheet.
Specifically, ad hoc rules can be configured according to actual conditions, analyze and converge according to default ad hoc rules
Total history insurance data, ad hoc rules can be according to warrantee's information, insurance kind, the insurance kind corresponding raw phase day and
Day of due date or according to the rule such as warrantee's information and date of insuring.In one embodiment, step S304 can
Specifically include：
(1) by history insurance data according to warrantee's information, insurance kind and effective date corresponding with the insurance kind and
Day of due date is classified.
Specifically, can be first according to customer number or certificate number in warrantee's information etc. to history insurance data
Classified, the insurance kind major class belonging to insurance kind bought further according to warrantee is divided, finally according to each
Insurance kind corresponding effective date and day of due date are ranked up.It is to be appreciated that also can be using other ad hoc rules
Classified, the insurance kind major class belonging to insurance kind for example first bought according to warrantee is divided, according still further to quilt
Guarantor's information is classified, and is ranked up finally according to each insurance kind corresponding effective date and day of due date.
(2) sorted history insurance data is aggregated into history in special time to insure in record sheet.
Specifically, special time can be configured according to actual conditions, such as daily zero point, every three days
The times such as zero point.History record sheet of insuring can be summary table, i.e., the history insurance data after all taxonomic revisions is equal
It is aggregated into the summary table, can also insure record according to the corresponding history of the warrantee such as customer number information generation
Table, the different history of different warrantee's correspondences are insured record sheet, or according to the generation pair of each insurance kind major class
The history answered is insured record sheet, but not limited to this.In another embodiment, can be by this throwing of warrantee
Protect data and be aggregated into history in special time and insure in record sheet.
Above-mentioned insured amount control method, history insurance data is collected by HADOOP platforms, and according to specific rule
Then carry out Classifying Sum, generation history is insured record, it is convenient subsequently can quick search obtain warrantee's correlation
History insurance data, it is ensured that business it is ageing.
In one embodiment, above-mentioned insured amount control method, in step S120 according to warrantee's acquisition of information quilt
After this insurance data of guarantor, in addition to：Judge that warrantee throws with the presence or absence of history according to type of credential
Record is protected, if being not present, in judging whether this corresponding protection amount of insurance kind in insuring insures more than this
Insurance kind belonging to the matching of insurance kind major class insured amount threshold value, if more than the insured amount threshold value, adjusting this and insuring
In the corresponding protection amount of insurance kind.
Specifically, may include there is the name of warrantee, type of credential, certificate number, client in warrantee's information
The information such as numbering, can judge that warrantee insures record with the presence or absence of history according to the type of credential of warrantee.When
When type of credential is preset characters, that is, it is new client to represent the warrantee, is insured record in the absence of history.Example
Such as, when can set type of credential as " 8 " or " 9 ", it is new client to represent the warrantee, in the absence of history
Insure record.If warrantee insures record in the absence of history, inquiring about belonging to this insurance kind in insuring
After insurance kind major class and the insured amount threshold value of matching, it need to only examine this corresponding protection amount of insurance kind in insuring whether big
In the insured amount threshold value, if more than the insured amount threshold value, adjusting the corresponding protection amount of insurance kind during this is insured, making
Be less than the insured amount threshold value, carry out insured amount control.In another embodiment, if warrantee's history of existence is thrown
Record is protected, but in the absence of history insurance data corresponding with the insurance kind major class, also need to only examined during this insures
Insurance kind corresponding insured amount whether be more than the insured amount threshold value.
Above-mentioned insured amount control method, when warrantee in the absence of history insure record when, can Direct Test this throwing
The corresponding insured amount protection amount for whether being more than the insurance kind major class matching belonging to this insurance kind in insuring of insurance kind in guarantor
Threshold value, without query history insurance data again, on the basis of risk management is carried out, can be further ensured that industry
That is engaged in is ageing.
As shown in figure 4, a kind of insured amount control system, including warrantee's module 410 is obtained, this is obtained and insures
Module 420, enquiry module 430, obtain history and insure module 440, determining module 450 and adjusting module 460.
Warrantee's module 410 is obtained, for obtaining warrantee's list, warrantee's letter is extracted from warrantee's list
Breath.
Specifically, the information for each warrantee that is stored with warrantee's list, wherein, warrantee's information includes
The information such as name, type of credential, certificate number, the customer number of warrantee.Warrantee refers to basis and insurance
The insurance contract that people concludes, its property interest or the person are ensured by insurance contract, after insurance risk generation,
The people for enjoying the insurance money right of asking for.
This module 420 of insuring is obtained, for this insurance data according to warrantee acquisition of information warrantee,
This insurance data includes the insurance kind and corresponding protection amount thised in insuring.
Specifically, can be believed according to warrantees such as the name of warrantee, type of credential, certificate number, customer numbers
Breath obtains this insurance data of warrantee.It may include warrantee institute in this is insured in this insurance data
The information such as the insurance kind of purchase and corresponding insured amount, insurance kind corresponding effective date and day of due date, wherein, insurance kind refers to
Be insurance products species, each different insurance kind can set different insurance kinds numberings, and such as insurance kind is " hands over
Logical accident/injury insurance (A moneys) " insurance kind numbering is P112211, insurance kind for " gas user unexpected injury is protected
Danger " insurance kind numbering is that P1124, insurance kind are P1143 for " family planning family accident/injury insurance " insurance kind numbering
Deng.The corresponding insurance products of each different insurance kind are different, the insurance contract that the insurer concludes with warrantee
Also it is different.
Enquiry module 430, for inquiring about the insurance kind major class belonging to the insurance kind during this is insured and the insured amount threshold of matching
Value.
Specifically, an insurance kind major class may include multiple insurance kinds, for example, insurance kind major class is " the unexpected class of trip
(public transport)-aircraft ", including " Traffic accident injury insures (A moneys) ", " air passenger unexpected injury
Insurance is unexpected to die ", " Traffic accident injury insures (B moneys) ", " comprehensive traffic accident/injury insurance (class of civil aviaton
Machine unexpected injury) " etc. insurance kind.The insured amount threshold value of different insurance kind major class matchings is different, and insured amount threshold value is to be protected
People can be obtained highest protection amount in the insurance kind in buying the insurance major class, and insured amount threshold value can be according to specific feelings
Condition is set in advance, can be set different insured amount threshold values for different areas, is conducive to carrying out insured amount control
System.For example, insurance kind major class is " unexpected class (the public transport)-aircraft of trip ", insured amount threshold value is 10,000,000
RMB, insurance kind major class is " general accident class (deformity) ", in Shanghai, Beijing, Guangdong, Jiangsu, Zhejiang
The insured amount threshold value in river and Shenzhen is 2,000,000 RMB, and in other areas, insured amount threshold value is 1,000,000 RMB.
Obtain history to insure module 440, for being obtained according to insurance kind major class, warrantee is corresponding with insurance kind major class to go through
History insurance data.
Whether deposited specifically, can be inquired about according to warrantee's information and the insurance kind major class in history insures record sheet
In warrantee's history insurance data corresponding with the insurance kind major class, if in the presence of obtaining the history insurance data.
History insurance data includes the insurance kind corresponding effective date under the insurance kind major class that warrantee once bought and expired
The information such as day phase, corresponding protection amount.For example, this insurance kind insured of warrantee is " Traffic accident injury guarantor
Danger (A moneys) ", the insurance kind major class belonging to it is " unexpected class (the public transport)-aircraft of trip ", passes through inquiry
History is insured record sheet, can be obtained the warrantee once buying before and be belonged to that " the unexpected class of trip is (public
Traffic)-aircraft " insurance kind major class " AVIATION PASSENGER ACCIDENT INSURANCE is surprisingly die " insurance kind, the guarantor of acquisition
Volume is 2,000,000 RMB, and the effective date is on March 2nd, 2014, and day of due date is on March 2nd, 2016,
Also " the comprehensive traffic meaning for belonging to " unexpected class (the public transport)-aircraft of trip " insurance kind major class was once bought
Outer injury insurance (commercial airliner unexpected injury) ", the protection amount of acquisition is 5,000,000 RMB, and the effective date is 2015
In on January 1, in, day of due date is on January 1st, 2016, and this two records of insuring belong to warrantee and the danger
Plant the corresponding history insurance data of major class.
Determining module 450, for determining the cumulative protection amount of history according to history insurance data.
Specifically, can be according to the guarantor of each insurance kind in warrantee's history insurance data corresponding with the insurance kind major class
Volume determines the cumulative protection amount of history.
As shown in figure 5, in one embodiment, determining module 450 includes division unit 452, judging unit
454 and adding device 456.
Division unit 452, divides insured amount history for the effective date according to history insurance data and day of due date and comes into force
It is interval.
Specifically, it is corresponding to obtain insurance kind corresponding effective date and day of due date, insurance kind in history insurance data
The information such as protection amount, and divide insured amount history and come into force interval.For example, warrantee is with insurance kind major class, " trip is unexpected
The corresponding history insurance data of class (public transport)-aircraft " includes：" AVIATION PASSENGER ACCIDENT INSURANCE is unexpected
Die " insurance kind, the protection amount of acquisition is 2,000,000 RMB, and the effective date is on March 2nd, 2014, day of due date
For on March 2nd, 2016, then the corresponding insured amount history of the RMB of protection amount 2,000,000 of insurance kind interval of coming into force was
On March 2,2 days to 2016 March in 2014；" comprehensive traffic accident/injury insurance (commercial airliner accidental wound
Evil) " insurance kind, the protection amount of acquisition is 5,000,000 RMB, and the effective date is on January 1st, 2015, and day of due date is
On January 1st, 2016, then it is 2015 1 that the corresponding insured amount history of the protection amount 5,000,000 of the insurance kind, which comes into force interval,
On January 1st, 1 day 1 moon.
Judging unit 454, used in judging that each insured amount history comes into force and whether insured comprising this in interval respectively
The insurance kind corresponding effective date or day of due date.
Come into force specifically, having divided insured amount history behind interval, can judge that each insured amount history comes into force interval respectively
Inside whether comprising the insurance kind corresponding effective date and day of due date thised in insuring, if so, then by corresponding protection amount
It is added in the cumulative protection amount of history, if it is not, not dealing with then.For example, this insurance kind pair for insuring of warrantee
The effective date answered is 2014 May 6, and day of due date is on May 6th, 2016, two insured amount history lifes
Interval effect is on March 2,2 days to 2016 March in 2014 and 1 day to 2016 1 January in 2015
The moon 1, including the insurance kind corresponding effective date or day of due date thised in insuring, the cumulative guarantor of history can be set
Volume initial value is 0, then two insured amount history comes into force interval corresponding insured amount 2,000,000 RMB and 5,000,000 people
People's coin is added in the cumulative protection amount of history, then the history finally determined is cumulative insured amount for 7,000,000 RMB.If
On the January 1 that warrantee is 2014 this insurance kind corresponding effective date insured, day of due date is 2014 12
The moon 31, then insured amount history, which comes into force, includes this throwing interval on March 2,2 days to 2016 March in 2014
Insurance kind corresponding effective date and day of due date in guarantor, insured amount history come into force interval 1 day to 2016 January in 2015
Do not include the insurance kind corresponding effective date or day of due date thised in insuring on January 1, in, then by first protection amount
History come into force interval corresponding insured amount 2,000,000 RMB be added to history it is cumulative it is insured amount in, then finally determine
History is cumulative insured amount for 2,000,000 RMB.
Adding device 456, if being come into force for insured amount history in interval comprising the corresponding life of insurance kind thised in insuring
Imitate day or day of due date, then by insured amount history come into force interval corresponding protection amount be added to history it is cumulative it is insured amount in.
Adjusting module 460, for judging the corresponding insured amount sum of the cumulative insured amount insurance kind with this in insuring of history
Whether the insured amount threshold value is more than, if more than the insured amount threshold value, adjusting the corresponding guarantor of insurance kind during this is insured
Volume.
If specifically, the corresponding insured amount sum of the cumulative insured amount insurance kind with this in insuring of history is more than affiliated
The corresponding insured amount threshold value of insurance kind major class, then need to adjust this corresponding protection amount of insurance kind in insuring.For example determine
History it is cumulative insured amount be 7,000,000 RMB, insured amount threshold value is 10,000,000 RMB, this danger in insuring
It is kind corresponding it is insured amount be 4,000,000 RMB, then the corresponding guarantor of the cumulative insured amount insurance kind with this in insuring of history
Volume sum is more than the insured amount threshold value, then can reduce this protection amount insured, and sum of the two is less than the insured amount threshold
Value.In other embodiments, a plurality of record of insuring may be included in this insurance data of warrantee,
Include the information such as insurance kind and corresponding insured amount, insurance kind corresponding effective date and day of due date in every record of insuring,
Every record of insuring is both needed to obtain related history insurance data to determine and adjust this insurance kind pair in insuring
The protection amount answered.
Above-mentioned insured amount control system, the insurance kind institute during this is insured is obtained according to this insurance data of warrantee
The insurance kind major class of category and insured amount threshold value, then warrantee's history insurance data corresponding with insurance kind major class is obtained, lead to
Cross history insurance data and determine the cumulative protection amount of history, can be according to the cumulative insured amount and warrantee of history and the insurance kind
The corresponding history insurance data of major class carries out insured amount control, and not only carries out insured amount control with current data,
Risk in it can preferably reduce insurance business on the basis of meeting fast transaction, strengthens risk management.
As shown in fig. 6, in another embodiment, above-mentioned insured amount control system, except being protected including obtaining
People's module 410, obtain this module 420 of insuring, enquiry module 430, obtain history insure module 440,
Determining module 450 and adjusting module 460, in addition to collection module 470 and summarizing module 480.
Collection module 470, for collecting history insurance data according to HADOOP platforms.
Specifically, HADOOP be it is a kind of can to mass data carry out distributed treatment software frame, with
A kind of reliable, efficient, telescopic mode carries out data processing, can carry out the extraction of mass data, deposit
Storage and calculating.The history insurance data of multiple systems of insuring can be collected by HADOOP platforms, and be divided
Analysis collects, and generation history is insured record sheet.
Summarizing module 480, for according to ad hoc rules analysis summary history insurance data, and generates history and insures
Record sheet.
Specifically, ad hoc rules can be configured according to actual conditions, analyze and converge according to default ad hoc rules
Total history insurance data, ad hoc rules can be according to warrantee's information, insurance kind, the insurance kind corresponding raw phase day and
Day of due date or according to the rule such as warrantee's information and date of insuring.
As shown in fig. 7, in one embodiment, summarizing module 480 includes taxon 482, collection unit
484。
Taxon 482, for by history insurance data according to warrantee's information, insurance kind and corresponding with insurance kind
Effective date and day of due date are classified.
Specifically, can be first according to customer number or certificate number in warrantee's information etc. to history insurance data
Classified, the insurance kind major class belonging to insurance kind bought further according to warrantee is divided, finally according to each
Insurance kind corresponding effective date and day of due date are ranked up.It is to be appreciated that also can be using other ad hoc rules
Classified, the insurance kind major class belonging to insurance kind for example first bought according to warrantee is divided, according still further to quilt
Guarantor's information is classified, and is ranked up finally according to each insurance kind corresponding effective date and day of due date.
Collection unit 484, insures note for sorted history insurance data to be aggregated into history in special time
Record in table.
Specifically, special time can be configured according to actual conditions, such as daily zero point, every three days
The times such as zero point.History record sheet of insuring can be summary table, i.e., the history insurance data after all taxonomic revisions is equal
It is aggregated into the summary table, can also insure record according to the corresponding history of the warrantee such as customer number information generation
Table, the different history of different warrantee's correspondences are insured record sheet, or according to the generation pair of each insurance kind major class
The history answered is insured record sheet, but not limited to this.In another embodiment, can be by this throwing of warrantee
Protect data and be aggregated into history in special time and insure in record sheet.
Above-mentioned insured amount control system, history insurance data is collected by HADOOP platforms, and according to specific rule
Then carry out Classifying Sum, generation history is insured record, it is convenient subsequently can quick search obtain warrantee's correlation
History insurance data, it is ensured that business it is ageing.
In another embodiment, above-mentioned insured amount control system, in addition to judge module.
Judge module, for judging that warrantee insures record with the presence or absence of history according to type of credential.
Insured record in the absence of history if adjusting module 460 is additionally operable to warrantee, in judging that this insures
The corresponding insured amount insured amount threshold value for whether being more than the insurance kind major class matching belonging to this insurance kind in insuring of insurance kind,
If more than the insured amount threshold value, adjusting the corresponding protection amount of insurance kind during this is insured.
Specifically, may include there is the name of warrantee, type of credential, certificate number, client in warrantee's information
The information such as numbering, can judge that warrantee insures record with the presence or absence of history according to the type of credential of warrantee.When
When type of credential is preset characters, that is, it is new client to represent the warrantee, is insured record in the absence of history.Example
Such as, when can set type of credential as " 8 " or " 9 ", it is new client to represent the warrantee, in the absence of history
Insure record.If warrantee insures record in the absence of history, inquiring about belonging to this insurance kind in insuring
After insurance kind major class and the insured amount threshold value of matching, it need to only examine this corresponding protection amount of insurance kind in insuring whether big
In the insured amount threshold value, if more than the insured amount threshold value, adjusting the corresponding protection amount of insurance kind during this is insured, making
Be less than the insured amount threshold value, carry out insured amount control.In another embodiment, if warrantee's history of existence is thrown
Record is protected, but in the absence of history insurance data corresponding with the insurance kind major class, also need to only examined during this insures
Insurance kind corresponding insured amount whether be more than the insured amount threshold value.
Above-mentioned insured amount control system, when warrantee in the absence of history insure record when, can Direct Test this throwing
The corresponding insured amount protection amount for whether being more than the insurance kind major class matching belonging to this insurance kind in insuring of insurance kind in guarantor
Threshold value, without query history insurance data again, on the basis of risk management is carried out, can be further ensured that industry
That is engaged in is ageing.
Each technical characteristic of embodiment described above can be combined arbitrarily, not right to make description succinct
The all possible combination of each technical characteristic in above-described embodiment is all described, as long as however, these skills
Contradiction is not present in the combination of art feature, is all considered to be the scope of this specification record.
Embodiment described above only expresses the several embodiments of the present invention, and it describes more specific and detailed,
But can not therefore it be construed as limiting the scope of the patent.It should be pointed out that for this area
For those of ordinary skill, without departing from the inventive concept of the premise, some deformations can also be made and changed
Enter, these belong to protection scope of the present invention.Therefore, the protection domain of patent of the present invention should be with appended power
Profit requires to be defined.
Claims (10)
1. a kind of insured amount control method, it is characterised in that comprise the following steps：
Warrantee's list is obtained, warrantee's information is extracted from warrantee's list；
According to this insurance data of warrantee's acquisition of information warrantee, this described insurance data includes
This insurance kind and corresponding protection amount in insuring；
The insured amount threshold value of insurance kind major class and matching belonging to this described insurance kind in insuring of inquiry；
Warrantee history insurance data corresponding with the insurance kind major class is obtained according to the insurance kind major class；
The cumulative protection amount of history is determined according to the history insurance data；
Described in judging whether the corresponding insured amount sum of the cumulative insured amount insurance kind with this in insuring of the history be more than
Insured amount threshold value, if more than the insured amount threshold value, this described corresponding protection amount of insurance kind in insuring of adjustment.
2. insured amount control method according to claim 1, it is characterised in that this described insurance data
Also include the insurance kind corresponding effective date and day of due date thised in insuring；
It is described that the cumulative insured amount step of history is determined according to the history insurance data, including：
Insured amount history is divided according to the effective date of the history insurance data and day of due date to come into force interval；
Judge whether each insured amount history comes into force in interval corresponding comprising this described insurance kind in insuring respectively
Effective date or day of due date；
If comprising, by the insured amount history come into force interval corresponding protection amount be added to history it is cumulative insured amount in.
3. insured amount control method according to claim 1, it is characterised in that methods described also includes：
History insurance data is collected according to HADOOP platforms；
According to history insurance data described in ad hoc rules analysis summary, and generate history and insure record sheet.
4. insured amount control method according to claim 3, it is characterised in that described according to ad hoc rules
Analyze the history insurance data, and generate history insure record sheet the step of, including：
By the history insurance data according to warrantee's information, insurance kind and effective date corresponding with the insurance kind and
Day of due date is classified；
Sorted history insurance data is aggregated into history in special time to insure in record sheet.
5. insured amount control method according to claim 1, it is characterised in that warrantee's packet
Include type of credential；
After the step of described this insurance data according to warrantee's acquisition of information warrantee, also wrap
Include：
Judge that the warrantee insures record with the presence or absence of history according to the type of credential；
If being not present, judge that this insurance kind in insuring is corresponding and insured amount whether be more than this danger in insuring
The insured amount threshold value of insurance kind major class matching belonging to kind, if more than the insured amount threshold value, this described throwing of adjustment
The corresponding protection amount of insurance kind in guarantor.
6. a kind of insured amount control system, it is characterised in that including：
Warrantee's module is obtained, for obtaining warrantee's list, warrantee is extracted from warrantee's list
Information；
This module of insuring is obtained, for this insurance data according to warrantee's acquisition of information warrantee,
This described insurance data includes the insurance kind and corresponding protection amount thised in insuring；
Enquiry module, for inquiring about the insurance kind major class belonging to this described insurance kind in insuring and the protection amount of matching
Threshold value；
Obtain history to insure module, for obtaining the warrantee according to the insurance kind major class and the insurance kind is big
The corresponding history insurance data of class；
Determining module, for determining the cumulative protection amount of history according to the history insurance data；
Adjusting module, for judging the corresponding protection amount of the cumulative insured amount insurance kind with this in insuring of the history
Whether the insured amount threshold value is more than, if more than the insured amount threshold value, this described danger in insuring of adjustment
Plant corresponding protection amount.
7. insured amount control system according to claim 6, it is characterised in that this described insurance data
Also include the insurance kind corresponding effective date and day of due date thised in insuring；
The determining module includes：
Division unit, insured amount history life is divided for the effective date according to the history insurance data and day of due date
Effect is interval；
Whether judging unit, insure for judging each insured amount history to come into force in interval respectively comprising described this
In the insurance kind corresponding effective date or day of due date；
Adding device, if it is corresponding comprising this described insurance kind in insuring in interval to be come into force for insured amount history
Effective date or day of due date, then be added to the cumulative protection amount of history by the insured amount history interval corresponding protection amount that comes into force
In.
8. insured amount control system according to claim 6, it is characterised in that the system also includes：
Collection module, for collecting history insurance data according to HADOOP platforms；
Summarizing module, for according to history insurance data described in ad hoc rules analysis summary, and generates history throwing
Protect record sheet.
9. insured amount control system according to claim 8, it is characterised in that the summarizing module includes：
Taxon, for by the history insurance data according to warrantee's information, insurance kind and with the insurance kind
Corresponding effective date and day of due date are classified；
Collection unit, insures record for sorted history insurance data to be aggregated into history in special time
In table.
10. insured amount control system according to claim 6, it is characterised in that warrantee's information
Including type of credential；
The system also includes：
Judge module, for judging that the warrantee insures record with the presence or absence of history according to the type of credential；
Insured record in the absence of history if the adjusting module is additionally operable to the warrantee, judge that this is insured
In the corresponding insured amount insured amount threshold for whether being more than the insurance kind major class matching belonging to this insurance kind in insuring of insurance kind
Value, if more than the insured amount threshold value, this described corresponding protection amount of insurance kind in insuring of adjustment.
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|---|---|---|---|
| CN201610024341.1A CN106971344A (en) | 2016-01-14 | 2016-01-14 | Insured amount control method and system |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610024341.1A CN106971344A (en) | 2016-01-14 | 2016-01-14 | Insured amount control method and system |
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| CN108038597A (en) * | 2017-11-30 | 2018-05-15 | 平安养老保险股份有限公司 | Insurance risk control method, device, computer equipment and storage medium |
| CN108921709A (en) * | 2018-06-06 | 2018-11-30 | 平安科技（深圳）有限公司 | High protection amount method for early warning, device, computer equipment and storage medium |
| CN109064344A (en) * | 2018-08-14 | 2018-12-21 | 中国平安人寿保险股份有限公司 | Customer value arrangement method, device, computer equipment and storage medium |
| CN109300047A (en) * | 2018-08-13 | 2019-02-01 | 中国平安人寿保险股份有限公司 | Data processing method, device and storage medium |
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| WO2019056729A1 (en) * | 2017-09-25 | 2019-03-28 | 平安科技（深圳）有限公司 | Coverage pre-check method, device, storage medium and terminal |
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| CN112488853A (en) * | 2020-11-20 | 2021-03-12 | 中国人寿保险股份有限公司 | Rapid insurance verification method and device for insurance policy and electronic equipment |
| CN112488850A (en) * | 2020-11-20 | 2021-03-12 | 中国人寿保险股份有限公司 | Method and device for prepositive checking of insurance policy and electronic equipment |
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Application publication date: 20170721 |