CN113888340A - Docking processing method, device, equipment and storage medium for configured insurance products - Google Patents
Docking processing method, device, equipment and storage medium for configured insurance products Download PDFInfo
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Abstract
The invention discloses a docking processing method, a docking processing device, equipment and a storage medium for a configured insurance product. The method comprises the following steps: and docking to the corresponding interface according to the interface data of the target insurance product, and generating and outputting a premium scheme at least comprising the premium of the target insurance product according to the premium calculation model matched with the data of the target insurance product. Therefore, by adopting the embodiment of the application, the engine calling capable of flexibly calling the preset matching rule is introduced, so that the corresponding target insurance product data can be flexibly configured according to the preset matching rule, the corresponding interface is automatically connected in an butt joint mode, and the premium scheme at least comprising the premium of the target insurance product is automatically generated and output according to the premium calculation model matched with the interface; therefore, diversified configured insurance products can be obtained according to the standard and flexible configuration flow, and the user experience degree is greatly improved.
Description
Technical Field
The invention relates to the technical field of computers, in particular to a docking processing method, a docking processing device, docking processing equipment and a docking processing storage medium for configured insurance products.
Background
With the development of the smart phone technology, an application applet supporting a user to select insurance products of different insurance companies on line is correspondingly developed; therefore, different users can conveniently select insurance products meeting the requirements of the users on line at the smart phone end according to different requirements of the users.
At present, different insurance companies mostly adopt a single butt joint mode, a large amount of manpower and material resources are required to be input for each pair of new products, the flexibility of product adjustment is relatively poor, and a standard and flexible configuration flow is lacked, so that diversified configured insurance products cannot be obtained, and the user experience degree is low.
Disclosure of Invention
Therefore, it is necessary to provide a docking processing method, an apparatus, a computer device and a storage medium for configured insurance products, which are directed to the problem that the existing insurance product docking method is single, only has a fixed configuration flow, and cannot obtain diversified configured insurance products.
In a first aspect, an embodiment of the present application provides a docking processing method for configuring an insurance product, where the method includes:
acquiring various policy data which accord with preset check rules;
calling a preset matching rule according to a rule engine, matching each item of policy data which accords with a preset verification rule according to the preset matching rule, and configuring corresponding target insurance product data, wherein the target insurance product data comprises target insurance product interface data;
and docking to a corresponding interface according to the interface data of the target insurance product, and generating and outputting a premium scheme at least comprising the premium of the target insurance product according to a premium calculation model matched with the data of the target insurance product.
In one embodiment, the matching, according to the preset matching rule, each item of policy data meeting the preset verification rule and configuring corresponding target insurance product data includes:
matching the various policy data which accord with the preset verification rule according to the preset matching rule to obtain a matching result;
and generating corresponding configuration information based on the matching result, and configuring corresponding target insurance product data according to the configuration information.
In one embodiment, the preset matching rules include a first preset matching sub-rule for configuring data of various insurance products, a second preset matching sub-rule for setting premiums of various insurance products, a third preset matching sub-rule for checking various insurance products, and a fourth preset matching sub-rule for calculating premiums of various insurance products, and the method further includes:
and respectively configuring the first preset matching sub-rule, the second preset matching sub-rule, the third preset matching sub-rule and the fourth preset matching sub-rule.
In one embodiment, the generating and outputting a premium scheme including at least a premium for the target insurance product according to the premium calculation model matched with the target insurance product data comprises:
obtaining a plurality of premium calculation factors for constructing the premium calculation model;
constructing a premium calculation model according to the multiple premium calculation factors and the weight values of the premium calculation factors to obtain a corresponding premium calculation model;
and inputting the target insurance product data into the premium calculation model for premium calculation, and generating and outputting a premium scheme at least comprising the premium of the target insurance product.
In one embodiment, the method further comprises:
reading a plurality of premium calculation factors for constructing the premium calculation model;
wherein the plurality of premium calculation factors includes: a first premium calculation factor for determining a premium application interval for each item of insurance product, a second premium calculation factor for determining a premium pricing interval for each item of insurance product, a third premium calculation factor for determining a goods type for each item of insurance product, and a fourth premium calculation factor for determining a rate for each item of insurance product.
In one embodiment, before the obtaining of the policy data items meeting the preset verification rule, the method further includes:
acquiring policy data of a target object;
and verifying each item of policy data through a preset verification model to obtain each item of policy data meeting preset verification rules.
In one embodiment, the method further comprises:
reading the preset verification rule used by the preset verification model for data verification;
the preset check rule comprises the following steps: API interface access rules corresponding to the interface data of various insurance products and access adaptation protocol rules corresponding to the interface data of various insurance products.
In a second aspect, an embodiment of the present application provides a docking processing apparatus for configuring an insurance product, the apparatus including:
the acquisition module is used for acquiring various policy data meeting the preset verification rules;
the calling module is used for calling the preset matching rule according to the rule engine;
the matching and configuration module is used for matching the various policy data which are acquired by the acquisition module and accord with the preset verification rule according to the preset matching rule called by the calling module and configuring corresponding target insurance product data, and the target insurance product data comprise target insurance product interface data;
the docking module is used for docking the interface data of the target insurance product obtained by the matching and configuring module to a corresponding interface;
and the processing module is used for generating and outputting a premium scheme at least comprising the premium of the target insurance product according to the premium calculation model matched with the target insurance product data obtained by the matching and configuring module.
In a third aspect, embodiments of the present application provide a computer device, including a memory and a processor, where the memory stores computer-readable instructions, and the computer-readable instructions, when executed by the processor, cause the processor to perform the above-mentioned method steps.
In a fourth aspect, embodiments of the present application provide a storage medium storing computer-readable instructions, which, when executed by one or more processors, cause the one or more processors to perform the above-mentioned method steps.
The technical scheme provided by the embodiment of the application can have the following beneficial effects:
in the embodiment of the application, various policy data meeting a preset verification rule are obtained; calling a preset matching rule according to the rule engine, matching various policy data which accord with a preset verification rule according to the preset matching rule, and configuring corresponding target insurance product data, wherein the target insurance product data comprises target insurance product interface data; and docking to the corresponding interface according to the interface data of the target insurance product, and generating and outputting a premium scheme at least comprising the premium of the target insurance product according to the premium calculation model matched with the data of the target insurance product. Therefore, by adopting the embodiment of the application, the engine calling capable of flexibly calling the preset matching rule is introduced, so that the corresponding target insurance product data can be flexibly configured according to the preset matching rule, the corresponding interface is automatically connected in an butt joint mode, and the premium scheme at least comprising the premium of the target insurance product is automatically generated and output according to the premium calculation model matched with the interface; therefore, diversified configured insurance products can be obtained according to the standard and flexible configuration flow, and the user experience degree is greatly improved. It is to be understood that both the foregoing general description and the following detailed description are exemplary and explanatory only and are not restrictive of the invention, as claimed.
Drawings
The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the invention and together with the description, serve to explain the principles of the invention.
FIG. 1 is a diagram of an embodiment of a docking process for configuring insurance products;
FIG. 2 is a block diagram showing an internal configuration of a computer device according to an embodiment;
FIG. 3 is a schematic flow chart diagram illustrating a docking processing method for configuring insurance products according to an embodiment of the present disclosure;
FIG. 4 is a schematic diagram of a docking system used in a docking processing method for a configured insurance product in a specific application scenario provided by the embodiment of the present disclosure;
FIG. 5 is a flowchart illustrating another docking processing method for configuring insurance products in a specific application scenario provided by an embodiment of the present disclosure;
FIG. 6 is a flowchart illustrating a further method for docking a configured insurance product in a particular application scenario provided by an embodiment of the present disclosure;
FIG. 7 is a schematic diagram illustrating associated data associated with a plurality of premium calculation factors in a specific application scenario provided by an embodiment of the present disclosure;
fig. 8 is a schematic structural diagram of a docking processing device for configuring an insurance product according to an embodiment of the present disclosure.
Detailed Description
The following description and the drawings sufficiently illustrate specific embodiments of the invention to enable those skilled in the art to practice them.
It should be understood that the described embodiments are only some embodiments of the invention, and not all embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
Alternative embodiments of the present disclosure are described in detail below with reference to the accompanying drawings.
Fig. 1 is a diagram of an implementation environment of a docking processing method for configuring an insurance product according to an embodiment, as shown in fig. 1, in which the implementation environment includes a computer device 110 and a terminal 120.
It should be noted that the terminal 120 and the computer device 110 may be, but are not limited to, a smart phone, a tablet computer, a notebook computer, a desktop computer, and the like. The computer device 110 and the terminal 110 may be connected through bluetooth, USB (Universal Serial Bus), or other communication connection methods, which is not limited herein.
FIG. 2 is a diagram showing an internal configuration of a computer device according to an embodiment. As shown in fig. 2, the computer device includes a processor, a non-volatile storage medium, a memory, and a network interface connected through a system bus. The non-volatile storage medium of the computer device stores an operating system, a database and computer readable instructions, the database can store control information sequences, and the computer readable instructions can enable the processor to realize a docking processing method of the configured insurance product when being executed by the processor. The processor of the computer device is used for providing calculation and control capability and supporting the operation of the whole computer device. The memory of the computer device may have stored therein computer readable instructions that, when executed by the processor, may cause the processor to perform a docking process method for configuring an insurance product. The network interface of the computer device is used for connecting and communicating with the terminal. Those skilled in the art will appreciate that the architecture shown in fig. 2 is merely a block diagram of some of the structures associated with the disclosed aspects and is not intended to limit the computing devices to which the disclosed aspects apply, as particular computing devices may include more or less components than those shown, or may combine certain components, or have a different arrangement of components.
As shown in fig. 3, an embodiment of the present disclosure provides a docking processing method for a configured insurance product, which specifically includes the following steps:
s302: and acquiring various policy data meeting preset verification rules.
In a possible implementation manner, before obtaining each policy data meeting a preset verification rule, the docking processing method provided in the embodiment of the present disclosure further includes the following steps:
acquiring policy data of a target object;
and verifying each item of policy data through a preset verification model to obtain each item of policy data meeting preset verification rules.
In the embodiment of the present application, specific contents of the policy data are not particularly limited. In particular to: the information of the applicant, the type of the applicant, the premium application interval, the premium pricing interval, the goods type, the insurance model, the premium, the rate, the minimum premium, the default selection scheme, the additional guarantee and the like, wherein the contents related to the common policy data are listed, other specific contents can be introduced according to the requirements of different application scenes, and the details are not repeated. In this embodiment of the present application, the preset verification rule is a rule used by the preset verification model for data verification, and the preset verification rule includes: API interface access rules corresponding to the interface data of various insurance products and access adaptation protocol rules corresponding to the interface data of various insurance products. The above lists only common preset check rules, and other preset check rules can be introduced according to the requirements of different application scenarios, which is not described herein again.
In a possible implementation manner, the docking processing method provided in the embodiment of the present disclosure further includes the following steps:
reading a preset verification rule used by the preset verification model for data verification; based on the description of the preset check rule, refer to the description of the same or similar parts, and are not repeated herein.
S304: and calling a preset matching rule according to the rule engine, matching each item of policy data which accords with the preset verification rule according to the preset matching rule, and configuring corresponding target insurance product data, wherein the target insurance product data comprises target insurance product interface data. In the embodiment of the present application, the preset matching rule is not specifically limited, and the corresponding preset matching rule may be called by the rule engine according to the requirements of different application scenarios, which is not described herein again.
In one possible implementation manner, matching each item of policy data meeting the preset verification rule according to the preset matching rule and configuring corresponding target insurance product data, includes the following steps:
matching each item of policy data which accords with a preset verification rule according to a preset matching rule to obtain a matching result;
and generating corresponding configuration information based on the matching result, and configuring corresponding target insurance product data according to the configuration information.
In the embodiment of the application, the preset matching rules include a first preset matching sub-rule for configuring data of various insurance products, a second preset matching sub-rule for setting premiums of various insurance products, a third preset matching sub-rule for verifying various insurance products, and a fourth preset matching sub-rule for calculating premiums of various insurance products. The listed preset matching sub-rules are only examples, and other preset matching sub-rules may be introduced according to the requirements of different application scenarios, which are not described herein again.
In a possible implementation manner, the docking processing method provided in the embodiment of the present disclosure further includes the following steps:
and respectively configuring a first preset matching sub-rule, a second preset matching sub-rule, a third preset matching sub-rule and a fourth preset matching sub-rule. Based on the descriptions of the preset matching sub-rules, refer to the descriptions of the same or similar parts, which are not repeated herein.
S306: and docking to the corresponding interface according to the interface data of the target insurance product, and generating and outputting a premium scheme at least comprising the premium of the target insurance product according to the premium calculation model matched with the data of the target insurance product.
Fig. 7 is a schematic diagram of associated data associated with a plurality of premium calculation factors in a specific application scenario provided by the embodiment of the present disclosure.
As shown in fig. 7, the associated data associated with the plurality of premium calculation factors includes premium application interval data, premium pricing interval data, goods type data, insured model data, rate data, 5-0 free claims data, minimum premium data, and the like.
In the embodiment of the present application, the formula for calculating the premium used by the premium calculation model is not specifically limited, and may be adjusted according to different application scenarios.
In a specific application scenario, referring to each item of associated data in fig. 7, if in the application scenario, the formula for calculating the premium used by the premium calculation model is: premium is premium rate;
constructing a corresponding calculation model according to the following configuration rules and the formula for calculating the premium; the specific configuration rules are specifically as follows:
taking the first row of data as an example:
the 2 nd rule is that the rates corresponding to different premium intervals are different, such as 1-40 ten thousand; the charge rate of the insurance model A is 0.9, 41-200 ten thousand;
the rate with the guaranteed model A is 0.8;
the 5 th row of models in the insurance policy is grades evaluated on the driving behavior of the vehicle according to big data, and rates corresponding to different grades are different;
the 9 th row rate is obtained according to the first rows of rules in a matching mode, and is used when the payment is finally calculated;
the lowest premium in column 11 is used in the final calculation of the premium, e.g., model a in 5 kilo corresponds to rate 0.9, premium 5 x 0.9 x 4.5 yuan;
since the rules limit the minimum premium to 10 dollars, the final premium is 10 dollars.
In one possible implementation, generating and outputting a premium scheme including at least a premium for the target insurance product based on a premium calculation model matched to the target insurance product data includes the steps of:
obtaining a plurality of premium calculation factors for constructing a premium calculation model;
constructing a premium calculation model according to the multiple premium calculation factors and the weight values of the premium calculation factors to obtain a corresponding premium calculation model;
and inputting the data of the target insurance product into a premium calculation model for premium calculation, and generating and outputting a premium scheme at least comprising the premium of the target insurance product.
In the embodiment of the present application, the plurality of premium calculation factors include: a first premium calculation factor for determining a premium application interval for each item of insurance product, a second premium calculation factor for determining a premium pricing interval for each item of insurance product, a third premium calculation factor for determining a goods type for each item of insurance product, and a fourth premium calculation factor for determining a rate for each item of insurance product. The above mentioned only lists various common premium calculation factors, and other premium calculation factors can be introduced according to the requirements of different application scenarios, and a weight value corresponding to any one of the premium calculation factors is given. The weight value corresponding to any premium calculation factor is specifically limited, as long as the sum of the weight values corresponding to the premium calculation factors is 1.
In a possible implementation manner, the docking processing method provided in the embodiment of the present disclosure further includes the following steps:
reading a plurality of premium calculation factors for constructing a premium calculation model; for a description of the various premium calculation factors, reference is made to the description of the same or similar parts, which are not repeated here.
Fig. 4 is a schematic diagram of a docking system adopted by a docking processing method for a configured insurance product in a specific application scenario according to an embodiment of the present disclosure. As shown in fig. 4, a docking system adopted by the docking processing method provided by the embodiment of the present disclosure includes a product configuration engine, a product docking system, a payment platform, a product docking system, and an insurance company issuing system. Reference is made to the same or related parts as previously described based on the description of each system, which will not be described herein again.
Fig. 5 is a schematic flow chart of another docking processing method for a configured insurance product in a specific application scenario according to an embodiment of the present disclosure.
As shown in fig. 5, a product docking method adopted by the product docking system provided by the embodiment of the present disclosure includes the following steps:
s1: and acquiring policy information of the newspaper reporting person.
S2: and carrying out compliance check on the policy information by using a checking algorithm.
In step S2, the method includes the following substeps:
s2.1: a predefined checking algorithm (the unified configuration rule comprises unified api access specifications and access adaptation protocols of different companies);
s2.2: and carrying out compliance check on the policy information by using a verification algorithm to obtain compliance data.
S3: and calling a rule engine to match and configure the product.
In step S3, the method includes the following substeps:
s3.1: predefining rule bases (unified configuration rules, product premium rules, product verification rules, premium calculation rules, etc.);
s3.2: calling a predefined rule by using a rule engine to match the rule data;
s3.3: and configuring corresponding product data according to the matching result.
S4: and calculating the premium of the product according to the premium calculation model.
In step S4, the method includes the following substeps:
s4.1: extracting premium calculation factors (the fields of FIG. 7 comprise a premium application interval, a premium pricing interval, a goods type, a rate and the like);
s4.2: establishing a premium calculation model through the premium calculation factor; the product data is entered into a premium calculation model and a premium is calculated based on the product data.
The method also comprises the following steps:
s5: the asynchronous call interface issues orders and receives payments.
In the docking process, the product configuration engine completes the steps S3 and S4; the product docking system completes the above steps S2 and S5.
Fig. 6 is a schematic flowchart of another docking processing method for a configured insurance product in a specific application scenario according to an embodiment of the present disclosure.
As shown in fig. 6, the processing steps adopted by the product configuration engine are specifically as follows:
step a 1: and creating internal products, wherein the products correspond to insurance company products one to one, configuring information such as product names and product types, and creating diversified external products around the internal products to meet multi-scenario and different service requirements.
Step a 2: basic information of external products, such as product names, product features, banner, insurance clauses and the like, is created through a product configuration engine.
Step a 3: matching product premium rules and verification rules through a drools engine, and finally storing the product premium rules and the verification rules into a database in an sql script mode.
Step a 4: and configuring a guarantee scheme.
Step a 5: the payment mode of the product is selected and mainly comprises WeChat payment, Paibao, Unionpay transfer, other quick payment, offline transfer and the like.
The product docking system comprises a standardized terminal docking standard, a unified API access specification and different insurance company access protocol adapting devices.
The processing steps adopted by the product docking system are specifically as follows:
step b 1: and matching product factor information, product premium calculation rules and product verification rule information in the product engine according to the API interface parameters.
Step b 2: and c, executing the rule information checked in the step b1, and continuing to execute the step b3 after all the rules are checked, otherwise, ending the process.
Step b 3: and b, after the rule of the step b2 is verified, executing the premium calculation rule of the step b1 to obtain the final premium amount to be paid.
Step b 4: and calling the payment platform to carry out payment operation after the insurance fee to be paid is confirmed to be correct, wherein various payment modes can be selected in the payment process.
Step b 5: and after the payment is finished, the payment platform asynchronously calls back the product docking system, the product docking system asynchronously calls an insurance company bill outlet interface after receiving the payment finishing notification, and the message is assembled through conversion from the product docking system to the protocol adapter and the standard interface in the process.
Fig. 7 is a schematic diagram of associated data associated with a plurality of premium calculation factors in a specific application scenario provided by the embodiment of the present disclosure.
As shown in fig. 7, the associated data associated with the plurality of premium calculation factors includes premium application interval data, premium pricing interval data, goods type data, insured model data, rate data, 5-0 free claims data, minimum premium data, and the like.
In the embodiment of the disclosure, various policy data meeting a preset verification rule are obtained; calling a preset matching rule according to the rule engine, matching various policy data which accord with a preset verification rule according to the preset matching rule, and configuring corresponding target insurance product data, wherein the target insurance product data comprises target insurance product interface data; and docking to the corresponding interface according to the interface data of the target insurance product, and generating and outputting a premium scheme at least comprising the premium of the target insurance product according to the premium calculation model matched with the data of the target insurance product. Therefore, by adopting the embodiment of the application, the engine calling capable of flexibly calling the preset matching rule is introduced, so that the corresponding target insurance product data can be flexibly configured according to the preset matching rule, the corresponding interface is automatically connected in an butt joint mode, and the premium scheme at least comprising the premium of the target insurance product is automatically generated and output according to the premium calculation model matched with the interface; therefore, diversified configured insurance products can be obtained according to the standard and flexible configuration flow, and the user experience degree is greatly improved.
The following is an embodiment of a docking processing apparatus for a configured insurance product of the present invention, which can be used to execute an embodiment of a docking processing method for a configured insurance product of the present invention. For details that are not disclosed in the embodiment of the docking processing device for configured insurance products of the present invention, refer to the embodiment of the docking processing method for configured insurance products of the present invention.
Referring to fig. 8, a schematic structural diagram of a docking processing device for configuring an insurance product according to an exemplary embodiment of the present invention is shown. The docking processing means of the deployed insurance product may be implemented as all or part of the terminal in software, hardware or a combination of both. The docking processing device for the configured insurance product comprises an acquisition module 801, a calling module 802, a matching and configuring module 803, a docking module 804 and a processing module 806.
Specifically, the obtaining module 801 is configured to obtain each item of policy data meeting a preset verification rule;
a calling module 802, configured to call a preset matching rule according to the rule engine;
a matching and configuring module 803, configured to match and configure corresponding target insurance product data according to the preset matching rule called by the calling module 802, where the insurance product data conforms to the preset verification rule and is acquired by the acquiring module 801, and the target insurance product data includes target insurance product interface data;
the docking module 804 is configured to dock the corresponding interface according to the interface data of the target insurance product obtained by the matching and configuring module 803;
and the processing module 806 is configured to generate and output a premium scheme at least including the premium of the target insurance product according to the premium calculation model matched with the target insurance product data obtained by the matching and configuring module 803.
Optionally, the matching and configuring module 803 is specifically configured to:
matching each item of policy data which accords with a preset verification rule according to a preset matching rule to obtain a matching result;
and generating corresponding configuration information based on the matching result, and configuring corresponding target insurance product data according to the configuration information.
Optionally, the preset matching rules include a first preset matching sub-rule for configuring data of various insurance products, a second preset matching sub-rule for setting premiums of various insurance products, a third preset matching sub-rule for verifying various insurance products, and a fourth preset matching sub-rule for calculating premiums of various insurance products, and the apparatus further includes:
and the configuration module is used for respectively configuring a first preset matching sub-rule, a second preset matching sub-rule, a third preset matching sub-rule and a fourth preset matching sub-rule.
Optionally, the processing module 806 is specifically configured to:
obtaining a plurality of premium calculation factors for constructing a premium calculation model;
constructing a premium calculation model according to the multiple premium calculation factors and the weight values of the premium calculation factors to obtain a corresponding premium calculation model;
and inputting the data of the target insurance product into a premium calculation model for premium calculation, and generating and outputting a premium scheme at least comprising the premium of the target insurance product.
Optionally, the apparatus further comprises:
the system comprises a first reading module, a second reading module and a third reading module, wherein the first reading module is used for reading a plurality of premium calculation factors for constructing a premium calculation model;
the first reading module reads out a plurality of premium calculation factors including: a first premium calculation factor for determining a premium application interval for each item of insurance product, a second premium calculation factor for determining a premium pricing interval for each item of insurance product, a third premium calculation factor for determining a goods type for each item of insurance product, and a fourth premium calculation factor for determining a rate for each item of insurance product.
Optionally, the obtaining module 801 is further configured to:
before acquiring various policy data meeting preset verification rules, acquiring policy data of a target object;
optionally, the apparatus further comprises:
and the verification module is configured to verify each item of policy data acquired by the acquisition module 801 through a preset verification model to obtain each item of policy data meeting a preset verification rule.
Optionally, the apparatus further comprises:
the second reading module is used for reading a preset verification rule used by the preset verification model for data verification;
the preset check rule read by the second reading module includes: API interface access rules corresponding to the interface data of various insurance products and access adaptation protocol rules corresponding to the interface data of various insurance products.
It should be noted that, when the docking processing apparatus for configurating an insurance product according to the foregoing embodiment executes the docking processing method for configurating an insurance product, only the division of the functional modules is described as an example, in practical applications, the functions may be distributed by different functional modules according to needs, that is, the internal structure of the apparatus may be divided into different functional modules to complete all or part of the functions described above. In addition, the docking processing device for configured insurance products and the docking processing method for configured insurance products provided in the above embodiments belong to the same concept, and the details of the implementation process are described in the docking processing method for configured insurance products, and are not described herein again.
In the embodiment of the disclosure, the obtaining module is used for obtaining various policy data meeting a preset verification rule; the calling module is used for calling a preset matching rule according to the rule engine; the matching and configuration module is used for matching various policy data which are acquired by the acquisition module and accord with the preset verification rule according to the preset matching rule called by the calling module and configuring corresponding target insurance product data, and the target insurance product data comprise target insurance product interface data; the docking module is used for docking to a corresponding interface according to the interface data of the target insurance product obtained by the matching and configuring module; and the processing module is used for generating and outputting a premium scheme at least comprising the premium of the target insurance product according to the premium calculation model matched with the target insurance product data obtained by the matching and configuring module. Therefore, by adopting the embodiment of the application, the engine calling capable of flexibly calling the preset matching rule is introduced, so that the corresponding target insurance product data can be flexibly configured according to the preset matching rule, the corresponding interface is automatically connected in an butt joint mode, and the premium scheme at least comprising the premium of the target insurance product is automatically generated and output according to the premium calculation model matched with the interface; therefore, diversified configured insurance products can be obtained according to the standard and flexible configuration flow, and the user experience degree is greatly improved.
In one embodiment, a computer device is proposed, the computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, the processor implementing the following steps when executing the computer program: acquiring various policy data which accord with preset check rules; calling a preset matching rule according to the rule engine, matching various policy data which accord with a preset verification rule according to the preset matching rule, and configuring corresponding target insurance product data, wherein the target insurance product data comprises target insurance product interface data; and docking to the corresponding interface according to the interface data of the target insurance product, and generating and outputting a premium scheme at least comprising the premium of the target insurance product according to the premium calculation model matched with the data of the target insurance product.
In one embodiment, a storage medium is provided that stores computer-readable instructions that, when executed by one or more processors, cause the one or more processors to perform the steps of: acquiring various policy data which accord with preset check rules; calling a preset matching rule according to the rule engine, matching various policy data which accord with a preset verification rule according to the preset matching rule, and configuring corresponding target insurance product data, wherein the target insurance product data comprises target insurance product interface data; and docking to the corresponding interface according to the interface data of the target insurance product, and generating and outputting a premium scheme at least comprising the premium of the target insurance product according to the premium calculation model matched with the data of the target insurance product.
It will be understood by those skilled in the art that all or part of the processes of the methods of the embodiments described above can be implemented by a computer program, which can be stored in a computer-readable storage medium, and can include the processes of the embodiments of the methods described above when the computer program is executed. The storage medium may be a non-volatile storage medium such as a magnetic disk, an optical disk, a Read-Only Memory (ROM), or a Random Access Memory (RAM).
The technical features of the above embodiments can be arbitrarily combined, and for the sake of brevity, all possible combinations of the technical features in the above embodiments are not described, but should be considered as the scope of the present specification as long as there is no contradiction between the combinations of the technical features.
The above examples only show some embodiments of the present invention, and the description thereof is more specific and detailed, but not construed as limiting the scope of the present invention. It should be noted that, for a person skilled in the art, several variations and modifications can be made without departing from the inventive concept, which falls within the scope of the present invention. Therefore, the protection scope of the present patent shall be subject to the appended claims.
Claims (10)
1. A method of docking a configurable insurance product, the method comprising:
acquiring various policy data which accord with preset check rules;
calling a preset matching rule according to a rule engine, matching each item of policy data which accords with a preset verification rule according to the preset matching rule, and configuring corresponding target insurance product data, wherein the target insurance product data comprises target insurance product interface data;
and docking to a corresponding interface according to the interface data of the target insurance product, and generating and outputting a premium scheme at least comprising the premium of the target insurance product according to a premium calculation model matched with the data of the target insurance product.
2. The method according to claim 1, wherein the matching of the policy data items meeting the preset verification rules according to the preset matching rules and the configuration of the corresponding target insurance product data comprises:
matching the various policy data which accord with the preset verification rule according to the preset matching rule to obtain a matching result;
and generating corresponding configuration information based on the matching result, and configuring corresponding target insurance product data according to the configuration information.
3. The method according to claim 2, wherein the preset matching rules include a first preset matching sub-rule for configuring data of various insurance products, a second preset matching sub-rule for setting premiums of various insurance products, a third preset matching sub-rule for checking various insurance products, and a fourth preset matching sub-rule for calculating premiums of various insurance products, the method further comprising:
and respectively configuring the first preset matching sub-rule, the second preset matching sub-rule, the third preset matching sub-rule and the fourth preset matching sub-rule.
4. The method according to claim 1, wherein said generating and outputting a premium plan including at least a premium for a target insurance product from a premium calculation model matched to said target insurance product data comprises:
obtaining a plurality of premium calculation factors for constructing the premium calculation model;
constructing a premium calculation model according to the multiple premium calculation factors and the weight values of the premium calculation factors to obtain a corresponding premium calculation model;
and inputting the target insurance product data into the premium calculation model for premium calculation, and generating and outputting a premium scheme at least comprising the premium of the target insurance product.
5. The method of claim 4, further comprising:
reading a plurality of premium calculation factors for constructing the premium calculation model;
wherein the plurality of premium calculation factors includes: a first premium calculation factor for determining a premium application interval for each item of insurance product, a second premium calculation factor for determining a premium pricing interval for each item of insurance product, a third premium calculation factor for determining a goods type for each item of insurance product, and a fourth premium calculation factor for determining a rate for each item of insurance product.
6. The method according to claim 1, wherein before the obtaining of the policy data items complying with the preset verification rules, the method further comprises:
acquiring policy data of a target object;
and verifying each item of policy data through a preset verification model to obtain each item of policy data meeting preset verification rules.
7. The method of claim 6, further comprising:
reading the preset verification rule used by the preset verification model for data verification;
the preset check rule comprises the following steps: API interface access rules corresponding to the interface data of various insurance products and access adaptation protocol rules corresponding to the interface data of various insurance products.
8. A docking processing apparatus for deploying an insurance product, the apparatus comprising:
the acquisition module is used for acquiring various policy data meeting the preset verification rules;
the calling module is used for calling the preset matching rule according to the rule engine;
the matching and configuration module is used for matching the various policy data which are acquired by the acquisition module and accord with the preset verification rule according to the preset matching rule called by the calling module and configuring corresponding target insurance product data, and the target insurance product data comprise target insurance product interface data;
the docking module is used for docking the interface data of the target insurance product obtained by the matching and configuring module to a corresponding interface;
and the processing module is used for generating and outputting a premium scheme at least comprising the premium of the target insurance product according to the premium calculation model matched with the target insurance product data obtained by the matching and configuring module.
9. A computer device comprising a memory and a processor, the memory having stored therein a computer program that, when executed by the processor, causes the processor to perform the steps of the docking processing method according to any one of claims 1 to 7.
10. A computer-readable storage medium, characterized in that the computer-readable storage medium stores a computer program which, when executed by one or more processors, implements the steps of the docking processing method according to any one of claims 1 to 7.
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