CN107644380A - Vehicle insurance premium move back expense treating method and apparatus - Google Patents
Vehicle insurance premium move back expense treating method and apparatus Download PDFInfo
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- CN107644380A CN107644380A CN201610573226.XA CN201610573226A CN107644380A CN 107644380 A CN107644380 A CN 107644380A CN 201610573226 A CN201610573226 A CN 201610573226A CN 107644380 A CN107644380 A CN 107644380A
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Abstract
The present invention relates to a kind of vehicle insurance premium move back expense treating method and apparatus, including：Move back expense request is obtained, the move back expense request includes move back expense period and user's mark；Obtain move back expense risk mark corresponding with move back expense request；Vehicle insurance number of policy corresponding with user mark is obtained, searches year premium corresponding with the move back expense risk mark in policy information corresponding to the vehicle insurance number of policy；The move back expense amount of money according to corresponding to the move back expense period and the year premium calculate the move back expense period, and the corresponding move back expense that generates criticizes list.The move back expense amount of money is calculated automatically according to move back expense request, and the corresponding automation move back expense processing for generating move back expense batch list, realizing to vehicle insurance premium, improve move back expense treatment effeciency.
Description
Technical field
The present invention relates to field of computer technology, more particularly to a kind of vehicle insurance premium move back expense treating method and apparatus.
Background technology
Vehicle insurance all provides critically important guarantee for use of the people for vehicle all the time.Generally, user is buying
All it is to pay premium by whole year during vehicle insurance, premium to be handed over is remained on equivalent to even in the date do not gone on a journey.
Related insurance mechanism is for actual business requirement and coordinates execution (such as the odd-and-even license plate rules of some government policies
Policy), some related vehicle insurance move back expense business can be released.For example it can not go out what user applied corresponding to the time of car
The premium of part vehicle insurance risk return user.
However, because the situation of vehicle insurance premium move back expense is relatively more, and need move back expense applications to be processed bigger, if
The manual carry out vehicle insurance premium move back expense processing of artificial sales counter is relied only on, then efficiency is very low.
The content of the invention
Based on this, it is necessary in view of the above-mentioned problems, efficient vehicle insurance premium move back expense processing method can be put forward by providing one kind
And device.
A kind of vehicle insurance premium move back expense processing method, the described method comprises the following steps：
Move back expense request is obtained, the move back expense request includes move back expense period and user's mark；
Obtain move back expense risk mark corresponding with move back expense request；
Vehicle insurance number of policy corresponding with user mark is obtained, is searched in policy information corresponding to the vehicle insurance number of policy
Year premium corresponding with the move back expense risk mark；
The move back expense amount of money according to corresponding to the move back expense period and the year premium calculate the move back expense period, and it is right
It is single that move back expense batch should be generated.
In one of the embodiments, the move back expense period includes move back expense initial time and move back expense terminates the time；
The move back expense amount of money according to corresponding to the move back expense period and the year premium calculate the move back expense period,
And the corresponding step for generating move back expense batch list, including：
The term of validity corresponding to the year premium is obtained, one is chosen from the term of validity corresponding to the year premium more than described
Move back expense terminates the time of time as move back expense reference time；
Generation expense reduces batch list, and the period that the expense reduces the reduction expense included in batch list rises for the move back expense
Begin time to the period between the move back expense reference time, wherein being risen in the period of the reduction expense comprising the move back expense
Begin time and the move back expense reference time；
The increase batch of generation expense is single, and the period of the increase expense included in the expense increase batch list is whole for the move back expense
Only time to the period between the move back expense reference time, wherein the period of the increase expense is whole not comprising the move back expense
The only time, include the move back expense reference time；
Reduced expense is calculated according to the period of the year premium and the reduction expense, according to the year premium and
The period of the increase expense calculates increased expense, and institute is obtained according to the expense of the reduction and the increased expense
State the move back expense amount of money corresponding to the move back expense period.
In one of the embodiments, year premium corresponding with the move back expense risk mark is multiple；
The move back expense amount of money according to corresponding to the move back expense period and the year premium calculate the move back expense period
The step of, including：
The term of validity corresponding to obtaining each year premium difference, compares the move back expense period and each year premium
The corresponding term of validity, obtain year premium corresponding to the move back expense period；
First move back expense proportionality coefficient is obtained according to the move back expense period and annual duration, according to the first move back expense ratio
Year corresponding to coefficient and the move back expense period, premium calculated the move back expense amount of money corresponding to the move back expense period.
In one of the embodiments, the comparison move back expense period is corresponding with each year premium effectively
Phase, the step of obtaining year premium corresponding to the move back expense period, including：
The move back expense period term of validity corresponding with each year premium is compared, it is corresponding to obtain the move back expense period
Multiple years premiums and the multiple year premium in move back expense time corresponding to each year premium；
First move back expense proportionality coefficient is obtained according to the move back expense period and annual duration, according to the first move back expense ratio
Premium the step of calculating the move back expense amount of money corresponding to the move back expense period in year, bag corresponding to coefficient and the move back expense period
Include：
The ratio that time taking time span and annual duration are moved back corresponding to each year premium is calculated, is obtained and institute
State the second move back expense proportionality coefficient corresponding to each year premium；
The more sub- move back expense amount of money are calculated according to each second move back expense proportionality coefficient and corresponding year premium, to described
The more sub- move back expense amount of money carry out linear superposition and obtain the move back expense amount of money corresponding to the move back expense period.
In one of the embodiments, the move back expense risk mark includes the accessory risk of car damage danger mark and/or car damage danger
Mark.
A kind of vehicle insurance premium move back expense processing unit, described device include：
Acquisition module, for obtaining move back expense request, the move back expense request includes move back expense period and user's mark；
The acquisition module is additionally operable to obtain move back expense risk mark corresponding with move back expense request；
Searching modul, for obtaining vehicle insurance number of policy corresponding with user mark, search the vehicle insurance number of policy pair
Year premium corresponding with the move back expense risk mark in the policy information answered；
Move back expense processing module, for calculating the move back expense period pair according to the move back expense period and the year premium
The move back expense amount of money answered, and the corresponding move back expense that generates criticizes list.
In one of the embodiments, the move back expense period includes move back expense initial time and move back expense terminates the time；
The move back expense processing module includes：
Move back expense reference time chooses module, corresponding from the year premium for obtaining the term of validity corresponding to the year premium
The term of validity in choose one be more than the move back expense terminate the time time as move back expense reference time；
Batch single generation module, reduce batch single for generating expense, the expense reduces the reduction expense that is included in batch list
Period be the move back expense initial time to the period between the move back expense reference time, wherein the time of the reduction expense
The move back expense initial time and the move back expense reference time are included in section；
Described batch of single generation module is additionally operable to the increase expense that the increase batch of generation expense is single, is included in the expense increase batch list
Period is that the move back expense terminates time to the period between the move back expense reference time, wherein the increase expense
Period does not include the move back expense and terminates the time, includes the move back expense reference time；
Move back expense amount of money computing module, for calculating reduction according to the period of the year premium and the reduction expense
Expense, increased expense is calculated according to the period of the year premium and the increase expense, according to the expense of the reduction
The move back expense amount of money corresponding to the move back expense period is obtained with the increased expense.
In one of the embodiments, year premium corresponding with the move back expense risk mark is multiple；
The move back expense processing module be additionally operable to obtain each year premium respectively corresponding to the term of validity, compare the move back expense
The period term of validity corresponding with each year premium, obtains year premium corresponding to the move back expense period；Moved back according to described
Time-consuming section obtains the first move back expense proportionality coefficient with annual duration, according to the first move back expense proportionality coefficient and the move back expense time
Year corresponding to section, premium calculated the move back expense amount of money corresponding to the move back expense period.
In one of the embodiments, the move back expense processing module be additionally operable to compare the move back expense period with it is described each
The term of validity corresponding to year premium, is obtained each in multiple years premiums corresponding to the move back expense period and the multiple year premium
The move back expense time corresponding to year premium；Calculate and move back time taking time span and annual duration corresponding to each year premium
Ratio, obtain the second move back expense proportionality coefficient corresponding with each year premium；According to each second move back expense ratio system
Number and corresponding year premium calculate the more sub- move back expense amount of money, the multiple sub- move back expense amount of money progress linear superposition are obtained described
The move back expense amount of money corresponding to the move back expense period.
In one of the embodiments, the move back expense risk mark includes the accessory risk of car damage danger mark and/or car damage danger
Mark.
Above-mentioned vehicle insurance premium move back expense treating method and apparatus, asked by obtaining move back expense, when move back expense request includes move back expense
Between section and user mark；Obtain move back expense risk mark corresponding with move back expense request；Obtain vehicle insurance declaration form corresponding with user's mark
Number, search year premium corresponding with move back expense risk mark in policy information corresponding to vehicle insurance number of policy；According to the move back expense period and
Year premium calculates the move back expense amount of money corresponding to the move back expense period, and corresponding to generate move back expense batch single.Ask to calculate automatically according to move back expense
Go out the move back expense amount of money, and the corresponding automation move back expense processing for generating move back expense batch list, realizing to vehicle insurance premium, improve move back expense processing
Efficiency.
Brief description of the drawings
Fig. 1 is the schematic flow sheet of vehicle insurance premium move back expense processing method in one embodiment；
Fig. 2 is that the move back expense amount of money calculates in one embodiment and move back expense criticizes the schematic flow sheet of single generation method；
Fig. 3 is the schematic flow sheet of move back expense amount of money computational methods in one embodiment；
Fig. 4 is the schematic flow sheet of move back expense amount of money computational methods in an another embodiment；
Fig. 5 is the structural representation of vehicle insurance premium move back expense processing unit in one embodiment；
Fig. 6 is the structural representation of move back expense processing module in one embodiment.
Embodiment
In order to make the purpose , technical scheme and advantage of the present invention be clearer, it is right below in conjunction with drawings and Examples
The present invention is further elaborated.It should be appreciated that the specific embodiments described herein are merely illustrative of the present invention, and
It is not used in the restriction present invention.
As shown in Figure 1, there is provided a kind of vehicle insurance premium move back expense processing method, this method comprise the following steps：
Step 102, move back expense request is obtained, move back expense request includes move back expense period and user's mark.
In the present embodiment, user carries out move back expense operation by terminal interface.Specifically, user is moved back by terminal interface input
Time-consuming section, initiate move back expense operational order.Wherein, the move back expense period be user it is apllied want to return vehicle insurance premium when
Between.It is appreciated that user here can be insurer or move back expense operating personnel.The move back expense period can not be
The period of car or the period of the application move back expense in the case of other, depending on service conditions.
Terminal response obtains user's mark and the input of the user for initiating move back expense operational order in the move back expense operational order
The move back expense period, and corresponding generate move back expense request and send to server.Wherein, move back expense period and use are included in move back expense request
Family identifies.User mark is the user's mark for the user for initiating move back expense operational order.User identifies to be used for unique mark
Family.
Server obtains the move back expense request that terminal is sent, and obtains the move back expense period included in move back expense request and user's mark
Know.
Further, the move back expense period includes move back expense initial time and move back expense and terminates the time, i.e., from move back expense initial time to moving back
This period that expense was terminated between the time is considered the move back expense period.For example the move back expense period is 1 day to 2016 1 January in 2016
Months 12 days, wherein, on January 1st, 2016 be move back expense initial time, and on January 12nd, 2016 is the move back expense termination time, it is apllied just
It is the premium for the part vehicle insurance risk for moving back this period on January 12,1 day to 2016 January in 2016.
Step 104, move back expense risk mark corresponding with move back expense request is obtained.
Wherein, move back expense risk mark is the risk mark for the risk for applying for move back expense.It is appreciated that vehicle insurance has a variety of dangers
Not, move back expense risk is identified as one or more of risk that vehicle insurance is included.Further, move back expense risk can be car damage danger
And/or the accessory risk of car damage danger.
Specifically, can be that move back expense risk mark corresponding with move back expense request is contained in move back expense request.Then obtain and move back
Move back expense risk corresponding with the move back expense request mark included in expense request.Can also be server after move back expense request is obtained,
It can be move back expense risk mark with the risk mark of move back expense to obtain default.It is also possible that obtain user corresponding to user's mark
Grade, according to the corresponding relation between default user gradation and move back expense risk mark, obtain move back corresponding with the user gradation
Take risk mark.
Step 106, vehicle insurance number of policy corresponding with user's mark is obtained, is searched in policy information corresponding to vehicle insurance number of policy
Year premium corresponding with move back expense risk mark.
The corresponding relation between user's mark and vehicle insurance number of policy has been prestored in the present embodiment, in server, according to
The corresponding relation, obtain the corresponding vehicle insurance number of policy of the user's mark included in move back expense request.
Further, policy information corresponding to the vehicle insurance number of policy is searched.Wherein, one or more dangers are included in policy information
Do not identify, and include year premium corresponding to each risk mark difference.
Year premium corresponding with risk mark, refer to the premium paid risk a year and a day corresponding to risk mark.Than
Such as the premium that risk is that car damages danger, and year premium corresponding with car damage danger is as paid for car damage dangerous a year and a day.
Further, server is searched and obtained from the corresponding policy information after policy information corresponding to finding
Move back expense risk mark corresponding to year premium.
Step 108, the move back expense amount of money according to corresponding to move back expense period and year premium calculate the move back expense period, and correspondingly
It is single to generate move back expense batch.
Specifically, server can be directly according to the ratio and year of the time span of move back expense period and annual time
Premium calculate the move back expense amount of money corresponding to the move back expense period (now, move back expense risk mark corresponding to year premium can be one
It is individual).It can also be the term of validity corresponding to further acquisition year premium, protect in the year according to corresponding to the term of validity determines the move back expense period
Take (now, corresponding to move back expense risk mark year premium can be multiple), the year premium and move back expense that further basis is determined
Period calculates the move back expense amount of money.
Further, server corresponding generation move back expense can criticize list to complete vehicle insurance premium move back expense after the move back expense amount of money is calculated
Processing.
In the present embodiment, move back expense request is obtained, move back expense request includes move back expense period and user's mark；Acquisition and move back expense
Move back expense risk corresponding to request identifies；Vehicle insurance number of policy corresponding with user's mark is obtained, searches and is protected corresponding to vehicle insurance number of policy
Year premium corresponding with move back expense risk mark in single information；It is corresponding that the move back expense period is calculated according to move back expense period and year premium
The move back expense amount of money, and corresponding to generate move back expense batch single.The move back expense amount of money is calculated automatically according to move back expense request, and the corresponding move back expense that generates is criticized
It is single, the automation move back expense processing to vehicle insurance premium is realized, improves move back expense treatment effeciency.
As shown in Fig. 2 in one embodiment, the move back expense period includes move back expense initial time and move back expense terminates the time.This
In embodiment, the move back expense amount of money according to corresponding to move back expense period and year premium calculate the move back expense period, and corresponding generation is moved back
Take batch single step (the abbreviation move back expense amount of money the calculates and single generation step of move back expense batch), specifically include following steps：
Step 202, the term of validity corresponding to year premium is obtained, choosing one from the term of validity corresponding to year premium is more than move back expense
The time of time is terminated as move back expense reference time.
, can also be from the guarantor of determination comprising year premium and its corresponding term of validity, server in policy information in the present embodiment
The term of validity corresponding to year premium is obtained in single information.
Wherein, the term of validity corresponding to year premium, it is this year premium to refer to corresponding to which section time.For example user is 2016
The year premium of car damage of insuring on January 1, danger is 120W, now the term of validity corresponding to year premium 120W be on January 1st, 2016 extremely
On December 31st, 2016.
Further, a time conduct for being more than move back expense and terminating the time is chosen in the term of validity corresponding to premium from the year of acquisition
Move back expense reference time.Wherein it is possible to be it is any choose one and be more than move back expense terminate time of time as move back expense reference time,
Can preset the last day for choosing the term of validity as move back expense reference time.Here this is not construed as limiting.
Step 204, generate expense and reduce batch list, the period that expense reduces the reduction expense included in batch list rises for move back expense
Begin time to the period between move back expense reference time, wherein including move back expense initial time and move back expense in the period of the expense of reduction
Reference time.
Step 206, the period for generating the increase expense that expense increase batch is single, is included in expense increase batch list is whole for move back expense
Only time to the period between move back expense reference time, wherein the period of increase expense, which does not include move back expense, terminates the time, comprising
Move back expense reference time.
Further, server can generate expense reduction and criticize list, and list is criticized in generation expense increase.Wherein, expense, which is reduced, criticizes
The period of reduction expense is included in list, reduce period of expense for move back expense initial time between move back expense reference time when
Between section, move back expense initial time and move back expense reference time are included in the period for reducing expense.It is appreciated that the time of the expense of reduction
In section comprising move back expense initial time and move back expense reference time refer to need to subtract move back expense initial time and move back expense reference time this two
Premium corresponding to individual endpoint time.The period of increase expense is included in expense increase batch list, the period for increasing expense is
Move back expense terminates time to the period between move back expense reference time, wherein when not including move back expense termination in the period of increase expense
Between, include move back expense reference time.Refer to not need again it is appreciated that not including the move back expense termination time in the period of increase expense
The premium corresponding to this endpoint time of time is terminated plus move back expense, and comprising move back expense reference time, refer to need to add move back expense
Premium corresponding to this endpoint time of reference time.
For example user's annual car on December 31,1 day to 2016 January in 2016 of having insured damages dangerous premium, user's application 1
The moon does not go out car on 7th on 5th to January, that is, applies for that the move back expense period is January 5 to January 7, move back expense initial time is January 5, is moved back
It is January 7 to take the termination time.Server can choose the time for being more than January 7 as move back expense reference time, for example choose
December 31 was used as move back expense reference time.So server can be according to move back expense initial time January 5 and move back expense reference time December
One expense of generation on the 31st reduces batch list, and the time that the expense reduces the reduction expense included in batch list is January 5 to December 31
Day, wherein, January 5 and the two endpoint times on December 31 are included in the period for reducing expense.Time is terminated according to move back expense
January 7 and move back expense reference time generated the increase expense that an expense increase batch is single, is included in expense increase batch list December 31
Time is January 7 to December 31, wherein the time of increase expense does not include January 7, comprising December 31, that is, is increased
The time of expense does not include this endpoint time on January 7, comprising this endpoint time on December 31, such as, 1 would not be calculated
Increased premium corresponding to the moon 7, but increased premium corresponding to being calculated since being calculated January 8.
Step 208, reduced expense is calculated according to the period of year premium and reduction expense, according to year premium and increase
The period of expense calculates increased expense, is moved back according to corresponding to the expense of reduction and increased expense obtain the move back expense period
Take the amount of money.
Further, server calculates reduced expense according to the period of year premium and reduction expense.According to year premium
Increased expense is calculated with the period of increase expense, the move back expense period is obtained according to the expense of increased expense and reduction
The corresponding move back expense amount of money.Specifically, the difference of reduced expense and increased expense is calculated, is obtained corresponding to the move back expense period
The move back expense amount of money.
In the present embodiment, a move back expense reference time is chosen from the year premium term of validity, according to move back expense initial time and is moved back
Take reference time generation expense and reduce batch single, root single according to move back expense termination time and the generation expense increase batch of move back expense reference time
The time of reduction expense and year premium in batch list are reduced according to expense and calculates reduced expense, are increased according in expense increase batch list
The time of expense and year premium calculate increased expense, and obtain the move back expense period according to the expense and increased expense of reduction
The corresponding move back expense amount of money.Realized by way of generation expense reduces and criticizes single and expense increase batch list to one move back expense time
The calculating of the move back expense amount of money of section, it is not necessary to change original database store structure, you can realize the calculating of the move back expense amount of money.This
Outside, expense reduce batch single and expense increase batch it is single by way of ask for expense difference and make the move back expense amount of money that calculates more accurate
Really.
As shown in figure 3, in one embodiment, year premium corresponding with move back expense risk mark is multiple.During according to move back expense
Between section and year premium the step of calculating the move back expense amount of money corresponding to the move back expense period (abbreviation move back expense amount of money calculation procedure), including with
Lower step：
Step 302, the term of validity corresponding to obtaining each year premium difference, it is corresponding to compare the premium of move back expense period and each year
The term of validity, obtain year premium corresponding to the move back expense period.
In the present embodiment, year premium corresponding with move back expense risk mark is multiple.Then server can obtain each year premium
The term of validity corresponding to respectively.
It is appreciated that because user may according to their needs increase or decrease and oneself thrown within the vehicle insurance valid period
Year premium (year premium how much decision vehicle insurances compensate the amount of money number), so may in the vehicle insurance policy information of a user
Include the term of validity corresponding to multiple years premiums and each year premium.For example user insured the year of car damage danger on January 1st, 2016
Premium is 120W, and now the term of validity corresponding to year premium 120W is on December 31,1 day to 2016 January in 2016.Later, user
According to their needs, feel oneself to insure year premium some are few, then insure and start car damage danger of insuring on March 1st, 2016
Year premium is 240W.So, now, 2 year premium, respectively 120W are then included in policy information of the user on car damage danger
And 240W, wherein, 120W year term of validity corresponding to premium be on January 1st, 2016 on 2 29th, 2016,240W year protects
The term of validity corresponding to taking is on December 31,1 day to 2016 March in 2016.
Further, the corresponding term of validity of the premium of move back expense period and each year is compared, is determined corresponding to the move back expense period
The term of validity, that is, determine which term of validity the move back expense period is located at.And then the year premium corresponding to the corresponding term of validity is determined
For the year premium corresponding to the move back expense period.
It is appreciated that the move back expense period can be a period or multiple periods.When there is multiple move back expense periods,
The corresponding term of validity of the premium of each move back expense period and each year is then compared, it is determined that effective corresponding to each move back expense period
Phase, and then the year premium corresponding to the corresponding term of validity is defined as to the year premium corresponding to the move back expense period.
Step 304, the first move back expense proportionality coefficient is obtained according to move back expense period and annual duration, according to the first move back expense ratio
Year corresponding to coefficient and move back expense period, premium calculated the move back expense amount of money corresponding to the move back expense period.
In the present embodiment, server can obtain the first move back expense proportionality coefficient according to move back expense period and annual duration.Specifically
Ground, the time span of move back expense period can be calculated and be worth to the first move back expense proportionality coefficient with the ratio of annual duration, moved back according to first
Year corresponding to expense proportionality coefficient and move back expense period, premium calculated the move back expense amount of money corresponding to the move back expense period.Specifically, to
Year corresponding to one move back expense proportionality coefficient and move back expense period, premium carried out quadrature calculating, obtained the move back expense amount of money.
Further, when there are multiple move back expense periods, then multiple are obtained according to each move back expense period and annual duration
One move back expense proportionality coefficient, the year premium according to each first move back expense proportionality coefficient and corresponding to corresponding each move back expense period
Calculate the move back expense amount of money corresponding to each move back expense period.And then the move back expense amount of money is carried out according to corresponding to each move back expense period
Linear superposition obtains the move back expense amount of money total corresponding to all move back expense periods.
In the present embodiment, when year premium corresponding with move back expense risk mark has multiple, according to move back expense period and Ge Nian
The term of validity corresponding to premium, year premium corresponding to the move back expense period is determined, the is obtained according to move back expense period and annual duration
One move back expense proportionality coefficient, the move back expense gold according to corresponding to the first move back expense proportionality coefficient and corresponding year premium obtain the move back expense period
Volume.The calculating of the move back expense amount of money can be made more flexible, while disclosure satisfy that while apply for multiple move back expense periods, and it is simultaneously complete
Into the calculating of total move back expense amount of money corresponding to apllied multiple move back expense periods, move back expense treatment effeciency is further increased.
In one embodiment, the corresponding term of validity of the premium of move back expense period and each year is compared, obtains the move back expense period
The step of corresponding year premium, includes：The corresponding term of validity of the premium of move back expense period and each year is compared, obtains the move back expense period
In corresponding multiple years premiums and multiple years premiums the step of move back expense time corresponding to each year premium.
Specifically, a move back expense period may correspond to multiple terms of validity, for example the term of validity corresponding to 120W premiums is
On January 1st, 2016, the term of validity corresponding to 240W premiums was December 1 day to 2016 March in 2016 on 2 29th, 2016
31 days, and the move back expense period is 2 months 2016 on March 2nd, 27 days 1.So, now, a move back expense period just corresponds to
Multiple terms of validity.
Therefore, when a move back expense period corresponding to multiple terms of validity, in contrast move back expense period and each year premium pair
During the term of validity answered, multiple terms of validity corresponding to the move back expense period are obtained, that is, determine that the time in the move back expense period divides
The term of validity not being located at, and determine move back expense time of the move back expense period respectively in the corresponding term of validity.With reference to above-mentioned
Example, that is, determine to be located at the term of validity 1 day to 2016 January in 2016 March 2 27 days to 2016 move back expense period 2016 year 2 month
The move back expense time of years 29 days 2 months is on 2 27th, 2016 on 2 29th, 2016, positioned at the term of validity on March 1st, 2016 extremely
The move back expense time on December 31st, 2016 is on March 2,1 day to 2016 March in 2016.
And then the year premium corresponding to corresponding multiple terms of validity is defined as protecting for multiple years corresponding to the move back expense period
Take, and according to the corresponding relation between the term of validity and year premium, will be defined as and the term of validity pair positioned at the move back expense time of the term of validity
Move back expense time of the year answered corresponding to premium, to obtain and each year premium institute in multiple years premiums corresponding to the move back expense period
The corresponding move back expense time.
In the present embodiment, as shown in figure 4, obtaining the first move back expense proportionality coefficient, root according to move back expense period and annual duration
According to corresponding to the first move back expense proportionality coefficient and move back expense period year premium calculate the step of the move back expense amount of money corresponding to the move back expense period
Suddenly (abbreviation move back expense amount of money calculation procedure), including：
Step 402, each year ratio that time taking time span and annual duration are moved back corresponding to premium is calculated, is obtained
The second move back expense proportionality coefficient corresponding with each year premium.
Specifically, time taking time span is moved back corresponding to each year premium obtained by calculating, and is further calculated each
The ratio of time taking time span and annual duration is moved back corresponding to individual year premium, obtains the second move back expense corresponding to each year premium
Proportionality coefficient.
Step 404, the more sub- move back expense amount of money are calculated according to each second move back expense proportionality coefficient and corresponding year premium, it is right
The more sub- move back expense amount of money carry out linear superposition and obtain the move back expense amount of money corresponding to the move back expense period.
Specifically, quadrature is carried out to each second move back expense proportionality coefficient and corresponding year premium and more sub- move back expenses is calculated
The amount of money, and progress linear superposition is carried out to more sub- move back expenses and obtains the move back expense amount of money corresponding to the move back expense period.
In the present embodiment, by comparing the corresponding term of validity of the premium of move back expense period and each year, the move back expense time is determined
The move back expense time corresponding to multiple years premiums corresponding to section and each year premium, further calculate each year and moved back corresponding to premium
The sub- move back expense amount of money corresponding to time-consuming difference, moved back according to corresponding to more sub- move back expense amount of money linear superpositions obtain the move back expense period
Take the amount of money.The situation of multiple years premiums can be corresponded to by meeting the move back expense period, make move back expense application more flexible, convenient,
Be not simultaneously it is single one whole section of move back expense period is subjected to move back expense calculating, are flexibly split into multistage the move back expense period is carried out
The move back expense amount of money calculates, and makes the move back expense amount of money that calculates more accurate.
It should be noted that it is only used in the present embodiment with " first ", " second " by " according to move back expense period and whole year
The move back expense proportionality coefficient that duration obtains " according to each year premium is corresponding with " moving back time taking time span and annual duration
Than move back expense proportionality coefficient corresponding to each year premium being worth to " make a distinction and come, do not make other any restrictions.
It is appreciated that in one embodiment, year premium corresponding with the move back expense risk mark is multiple.Protected according to year
The step of period of expense and reduction expense calculates reduced expense, including：Obtain corresponding to each year premium difference effectively
Phase, the corresponding term of validity of the premium of period and each year of reduction expense is compared, is reduced corresponding to the period of expense
Year premium；The proportionality coefficient of first reduction expense is obtained with annual duration according to the period of the expense of reduction；Reduced according to first
Year corresponding to the proportionality coefficient of expense and the period of reduction expense, premium calculated reduced expense.
Further, in one embodiment, the corresponding term of validity of the premium of period and each year of reduction expense is compared, is obtained
To reduce expense period corresponding to year premium the step of include：The period of comparison reduction expense and each year premium pair
The term of validity answered, it is right to be reduced each year premium institute in multiple years premiums corresponding to the period of expense and multiple years premiums
The time for the reduction expense answered.
In the present embodiment, the proportionality coefficient of the first reduction expense is obtained with annual duration according to the period of the expense of reduction,
Year corresponding to according to the proportionality coefficient of the first reduction expense and reducing the period of expense, premium calculated the step of reduced expense
Suddenly include：Calculate the time span of the time of reduction expense corresponding to each year premium and the ratio of annual duration be worth to respectively
The proportionality coefficient of second reduction expense corresponding to individual year premium；According to each second proportionality coefficient for reducing expense and corresponding year
Premium calculates the sub- expense of multiple reductions, and the period of expense is reduced to the sub- expense progress linear superposition of multiple reductions
The expense of corresponding reduction.
It is appreciated that in other embodiments, the above method can be used to calculate corresponding to the period of increase expense and increased
The expense added.Only need above-mentioned reduction expense being correspondingly substituted for increase expense.
Likewise, it is only used in the present embodiment with " first ", " second " by " according to the period of the expense of reduction and whole year
The proportionality coefficient for the reduction expense that duration obtains " with " according to each year premium it is corresponding reduce expense time time span
The proportionality coefficient of reduction expense corresponding with each year premium is worth to the ratio of annual duration " make a distinction and come, do not make
Other any restrictions.
As shown in figure 5, in one embodiment, there is provided a kind of vehicle insurance premium move back expense processing unit, the device include：Obtain
Modulus block 502, searching modul 504 and move back expense processing module 506, wherein：
Acquisition module 502, for obtaining move back expense request, move back expense request includes move back expense period and user's mark.
Acquisition module 502 is additionally operable to obtain move back expense risk mark corresponding with move back expense request.
Searching modul 504, for obtaining vehicle insurance number of policy corresponding with user's mark, search and protected corresponding to vehicle insurance number of policy
Year premium corresponding with move back expense risk mark in single information.
Move back expense processing module 506, for move back expense corresponding to calculating the move back expense period according to move back expense period and year premium
The amount of money, and the corresponding move back expense that generates criticizes list.
In one embodiment, the move back expense period includes move back expense initial time and move back expense terminates the time.In the present embodiment, such as
Shown in Fig. 6, move back expense processing module 506 includes：
Move back expense reference time chooses module 5062, for obtaining the term of validity corresponding to year premium, has from corresponding to year premium
Imitate interim selection one and be more than the time of move back expense termination time as move back expense reference time；
Batch single generation module 5064, reduce batch single for generating expense, expense reduces the reduction expense that is included in batch list
Period is move back expense initial time to the period between move back expense reference time, wherein including move back expense in the period of the expense of reduction
Initial time and move back expense reference time；
Batch single generation module 5064 is additionally operable to the increase expense that the increase batch of generation expense is single, is included in expense increase batch list
Period is that move back expense terminates time to the period between move back expense reference time, wherein the period of increase expense does not include move back expense
The time is terminated, includes move back expense reference time；
Move back expense amount of money computing module 5066, for calculating reduced expense according to the period of year premium and reduction expense
With, according to year premium and increase expense period calculate increased expense, obtained according to the expense of reduction and increased expense
To the move back expense amount of money corresponding to the move back expense period.
In one embodiment, year premium corresponding with move back expense risk mark is multiple.In the present embodiment, move back expense processing mould
Block 506 be additionally operable to obtain each year premium respectively corresponding to the term of validity, compare that the premium of move back expense period and each year is corresponding to be had
The effect phase, obtain year premium corresponding to the move back expense period；First move back expense proportionality coefficient is obtained according to move back expense period and annual duration,
According to corresponding to the first move back expense proportionality coefficient and move back expense period year premium calculate the move back expense period corresponding to the move back expense amount of money.
In one embodiment, it is corresponding to be additionally operable to the comparison premium of move back expense period and each year for move back expense processing module 506
The term of validity, when obtaining in multiple years premiums corresponding to the move back expense period and multiple years premiums the move back expense corresponding to each year premium
Between；The each year ratio that time taking time span and annual duration are moved back corresponding to premium is calculated, is obtained and each year premium
Corresponding second move back expense proportionality coefficient；More sub- move back expenses are calculated according to each second move back expense proportionality coefficient and corresponding year premium
The amount of money, linear superposition is carried out to the more sub- move back expense amount of money and obtains the move back expense amount of money corresponding to the move back expense period.
In one embodiment, move back expense risk mark includes car damage danger mark and/or the accessory risk mark of car damage danger.
Each technical characteristic of embodiment described above can be combined arbitrarily, to make description succinct, not to above-mentioned reality
Apply all possible combination of each technical characteristic in example to be all described, as long as however, the combination of these technical characteristics is not deposited
In contradiction, the scope that this specification is recorded all is considered to be.
Embodiment described above only expresses the several embodiments of the present invention, and its description is more specific and detailed, but simultaneously
Can not therefore it be construed as limiting the scope of the patent.It should be pointed out that come for one of ordinary skill in the art
Say, without departing from the inventive concept of the premise, various modifications and improvements can be made, these belong to the protection of the present invention
Scope.Therefore, the protection domain of patent of the present invention should be determined by the appended claims.
Claims (10)
1. a kind of vehicle insurance premium move back expense processing method, the described method comprises the following steps：
Move back expense request is obtained, the move back expense request includes move back expense period and user's mark；
Obtain move back expense risk mark corresponding with move back expense request；
Obtain corresponding with user mark vehicle insurance number of policy, search in policy information corresponding to the vehicle insurance number of policy with institute
State year premium corresponding to move back expense risk mark；
The move back expense amount of money according to corresponding to the move back expense period and the year premium calculate the move back expense period, and corresponding life
It is single into move back expense batch.
2. according to the method for claim 1, it is characterised in that the move back expense period includes move back expense initial time and move back expense
Terminate the time；
The move back expense amount of money according to corresponding to the move back expense period and the year premium calculate the move back expense period, and it is right
The single step of move back expense batch should be generated, including：
The term of validity corresponding to the year premium is obtained, choosing one from the term of validity corresponding to the year premium is more than the move back expense
The time of time is terminated as move back expense reference time；
Generation expense, which is reduced, criticizes list, when the period that the expense reduces the reduction expense included in batch list originates for the move back expense
Between to the period between the move back expense reference time, wherein in the period of the reduction expense comprising the move back expense starting when
Between and the move back expense reference time；
The increase batch of generation expense is single, when the period of the increase expense included in the expense increase batch list terminates for the move back expense
Between to the period between the move back expense reference time, wherein the period of the increase expense does not include the move back expense when terminating
Between, include the move back expense reference time；
Reduced expense is calculated according to the period of the year premium and the reduction expense, according to the year premium and described
The period of increase expense calculates increased expense, is moved back according to obtaining the expense of the reduction and the increased expense
The move back expense amount of money corresponding to time-consuming section.
3. according to the method for claim 1, it is characterised in that year premium corresponding with the move back expense risk mark is more
It is individual；
The step of the move back expense amount of money according to corresponding to the move back expense period and the year premium calculate the move back expense period
Suddenly, including：
The term of validity corresponding to obtaining each year premium difference, it is corresponding with each year premium to compare the move back expense period
The term of validity, obtain year premium corresponding to the move back expense period；
First move back expense proportionality coefficient is obtained according to the move back expense period and annual duration, according to the first move back expense proportionality coefficient
With the move back expense period corresponding to year premium calculate the move back expense amount of money corresponding to the move back expense period.
4. according to the method for claim 3, it is characterised in that described to compare the guarantor of the move back expense period and described each year
The term of validity corresponding to taking, the step of obtaining year premium corresponding to the move back expense period, including：
The move back expense period term of validity corresponding with each year premium is compared, is obtained more corresponding to the move back expense period
The move back expense time in individual year premium and the multiple year premium corresponding to each year premium；
First move back expense proportionality coefficient is obtained according to the move back expense period and annual duration, according to the first move back expense proportionality coefficient
With the move back expense period corresponding to year premium calculate the move back expense amount of money corresponding to the move back expense period the step of, including：
Calculate the ratio that time taking time span and annual duration are moved back corresponding to each year premium, obtain with it is described each
Second move back expense proportionality coefficient corresponding to individual year premium；
The more sub- move back expense amount of money are calculated according to each second move back expense proportionality coefficient and corresponding year premium, to the multiple
The sub- move back expense amount of money carries out linear superposition and obtains the move back expense amount of money corresponding to the move back expense period.
5. according to the method described in any one of Claims 1-4 claim, it is characterised in that the move back expense risk mark
Danger mark and/or the accessory risk mark of car damage danger are damaged including car.
6. a kind of vehicle insurance premium move back expense processing unit, it is characterised in that described device includes：
Acquisition module, for obtaining move back expense request, the move back expense request includes move back expense period and user's mark；
The acquisition module is additionally operable to obtain move back expense risk mark corresponding with move back expense request；
Searching modul, for obtaining vehicle insurance number of policy corresponding with user mark, search corresponding to the vehicle insurance number of policy
Year premium corresponding with the move back expense risk mark in policy information；
Move back expense processing module, corresponding to calculating the move back expense period according to the move back expense period and the year premium
The move back expense amount of money, and the corresponding move back expense that generates criticizes list.
7. device according to claim 6, it is characterised in that the move back expense period includes move back expense initial time and move back expense
Terminate the time；
The move back expense processing module includes：
Move back expense reference time chooses module, for obtaining the term of validity corresponding to the year premium, has from corresponding to the year premium
Imitate interim selection one and be more than the time of move back expense termination time as move back expense reference time；
Single generation module is criticized, reduces batch list for generating expense, the expense reduces the time for criticizing the reduction expense included in list
Section for the move back expense initial time to the period between the move back expense reference time, wherein in the period of the reduction expense
Include the move back expense initial time and the move back expense reference time；
Described batch of single generation module is additionally operable to the increase expense that the increase batch of generation expense is single, is included in the expense increase batch list
Period is that the move back expense terminates time to the period between the move back expense reference time, wherein the time of the increase expense
Section does not include the move back expense and terminates the time, includes the move back expense reference time；
Move back expense amount of money computing module, for calculating reduced expense according to the period of the year premium and the reduction expense
With, increased expense is calculated according to the period of the year premium and the increase expense, according to the expense of the reduction and
The increased expense obtains the move back expense amount of money corresponding to the move back expense period.
8. device according to claim 6, it is characterised in that year premium corresponding with the move back expense risk mark is more
It is individual；
The move back expense processing module be additionally operable to obtain each year premium respectively corresponding to the term of validity, compare the move back expense time
The section term of validity corresponding with each year premium, obtains year premium corresponding to the move back expense period；During according to the move back expense
Between section and annual duration obtain the first move back expense proportionality coefficient, according to the first move back expense proportionality coefficient and the move back expense period pair
The year premium answered calculates the move back expense amount of money corresponding to the move back expense period.
9. device according to claim 8, it is characterised in that when the move back expense processing module is additionally operable to compare the move back expense
Between the section term of validity corresponding with each year premium, obtain multiple years premiums corresponding to the move back expense period and described more
The move back expense time in individual year premium corresponding to each year premium；Calculate and move back the time taking time corresponding to each year premium
Length and the ratio of annual duration, obtain the second move back expense proportionality coefficient corresponding with each year premium；According to described each
Second move back expense proportionality coefficient and corresponding year premium calculate the more sub- move back expense amount of money, enter line to the multiple sub- move back expense amount of money
Property is superimposed to obtain the move back expense amount of money corresponding to the move back expense period.
10. according to the device described in any one of claim 6 to 9 claim, it is characterised in that the move back expense risk mark
Danger mark and/or the accessory risk mark of car damage danger are damaged including car.
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| Application Number | Priority Date | Filing Date | Title |
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| CN201610573226.XA CN107644380A (en) | 2016-07-20 | 2016-07-20 | Vehicle insurance premium move back expense treating method and apparatus |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610573226.XA CN107644380A (en) | 2016-07-20 | 2016-07-20 | Vehicle insurance premium move back expense treating method and apparatus |
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Application publication date: 20180130 |