CN107798592A - Calculate the method and apparatus of commission - Google Patents
Calculate the method and apparatus of commission Download PDFInfo
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- CN107798592A CN107798592A CN201710434574.3A CN201710434574A CN107798592A CN 107798592 A CN107798592 A CN 107798592A CN 201710434574 A CN201710434574 A CN 201710434574A CN 107798592 A CN107798592 A CN 107798592A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/08—Insurance
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/12—Accounting
- G06Q40/125—Finance or payroll
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Abstract
The present invention is applied to Internet technical field, there is provided calculates the method and apparatus of commission, this method includes：The surrender data of surrender declaration form are read, surrender data include the surrender time；Receive and accept insurance declaration form and read the data of accepting insurance of declaration form of accepting insurance；Target surrender data are determined, the surrender time of target surrender data is in preset time period；First in contrast target surrender data insures information and that accepts insurance in data second insure information, obtains comparing result；If comparing result is matching, to declaration form addition surrender mark of accepting insurance；Commission numerical value is calculated according to the first preset algorithm, commission numerical value corresponds to the declaration form of accepting insurance for including surrender mark.The present invention is by obtaining surrender declaration form and declaration form of accepting insurance, carry out the contrast of customizing messages, automatic identification surrender declaration form, and commission is calculated to surrender declaration form by special algorithm, compared to manual identified surrender declaration form and the artificial mode for calculating commission, the present invention improves speed and the degree of accuracy of calculating, and then improves the efficiency of commission calculating.
Description
Technical field
The invention belongs to Internet technical field, more particularly to calculate the method and apparatus of commission.
Background technology
In insurance industry, in order that business personnel is not only satisfied with existing continuation of insurance business, excitation business personnel's developing is new
Business, when calculating the commission of insurance, the commission for business of often continuing insurance is relatively low, and the commission of new business is higher.Based on such meter
Calculation mode, there can be business personnel and mislead client to business progress surrender of having insured, then the situation for new business of accepting insurance again, this row
For client can be caused the negative effect such as subsequently to complain.Presence based on the above situation, in the prior art, insurance company are calculating industry
, it is necessary to manually be verified the actual conditions of underwriting business during commission of being engaged in, with the accuracy of protected commissions calculating, it will be clear that
The mode manually verified can reduce the efficiency of commission calculating.
The content of the invention
In view of this, the embodiments of the invention provide the method and apparatus for calculating commission, to solve commission in the prior art
The problem of calculation is less efficient.
The first aspect of the embodiment of the present invention provides a kind of method for calculating declaration form commission, including：
The surrender data of surrender declaration form are read, surrender data include the surrender time；
Receive and accept insurance declaration form and read the data of accepting insurance of declaration form of accepting insurance；
Target surrender data are determined, the surrender time of target surrender data is in preset time period；
First in contrast target surrender data insures information and that accepts insurance in data second insure information, obtains contrast knot
Fruit；
If comparing result is matching, to declaration form addition surrender mark of accepting insurance；
Commission numerical value is calculated according to the first preset algorithm, commission numerical value corresponds to the declaration form of accepting insurance for including surrender mark.
The second aspect of the embodiment of the present invention provides a kind of equipment for calculating declaration form commission, and calculating the equipment of commission includes
Memory, processor and the program for storing the calculating commission that can be run on a memory and on a processor, computing device meter
Following steps are realized during the program for calculating commission：
The surrender data of surrender declaration form are read, surrender data include the surrender time；
Receive and accept insurance declaration form and read the data of accepting insurance of declaration form of accepting insurance；
Target surrender data are determined, the surrender time of target surrender data is in preset time period；
First in contrast target surrender data insures information and that accepts insurance in data second insure information, obtains contrast knot
Fruit；
If comparing result is matching, to declaration form addition surrender mark of accepting insurance；
Commission numerical value is calculated according to the first preset algorithm, commission numerical value corresponds to the declaration form of accepting insurance for including surrender mark.
The third aspect of the embodiment of the present invention provides a kind of computer-readable recording medium, computer-readable recording medium
The program for calculating commission is stored with, when calculating the program of commission by least one computing device, realizes following steps：
The surrender data of surrender declaration form are read, surrender data include the surrender time；
Receive and accept insurance declaration form and read the data of accepting insurance of declaration form of accepting insurance；
Target surrender data are determined, the surrender time of target surrender data is in preset time period；
First in contrast target surrender data insures information and that accepts insurance in data second insure information, obtains contrast knot
Fruit；
If comparing result is matching, to declaration form addition surrender mark of accepting insurance；
Commission numerical value is calculated according to the first preset algorithm, commission numerical value corresponds to the declaration form of accepting insurance for including surrender mark.
The embodiment of the present invention carries out the contrast of customizing messages, automatic identification is moved back by obtaining surrender declaration form and declaration form of accepting insurance
Declaration form is protected, and commission is calculated to surrender declaration form by special algorithm, compared to manual identified surrender declaration form and the artificial commission that calculates
Mode, the embodiment of the present invention improve speed and the degree of accuracy of calculating, and then improve the efficiency of commission calculating.
Brief description of the drawings
Technical scheme in order to illustrate the embodiments of the present invention more clearly, below will be to embodiment or description of the prior art
In the required accompanying drawing used be briefly described, it should be apparent that, drawings in the following description be only the present invention some
Embodiment, for those of ordinary skill in the art, without having to pay creative labor, can also be according to these
Accompanying drawing obtains other accompanying drawings.
Fig. 1 is the flow chart of the method for calculating commission provided in an embodiment of the present invention；
Fig. 2 is the flow chart for the method for recalculating commission number that the preferred embodiment of the present invention provides；
Fig. 3 is the schematic diagram of the device of calculating commission provided in an embodiment of the present invention；
Fig. 4 is the schematic diagram of the equipment of calculating commission provided in an embodiment of the present invention.
Embodiment
In describing below, in order to illustrate rather than in order to limit, it is proposed that such as tool of particular system structure, technology etc
Body details, thoroughly to understand the embodiment of the present invention.However, it will be clear to one skilled in the art that there is no these specific
The present invention can also be realized in the other embodiments of details.In other situations, omit to well-known system, device, electricity
Road and the detailed description of method, in case unnecessary details hinders description of the invention.
In order to illustrate technical scheme, illustrated below by specific embodiment.
The embodiments of the invention provide a kind of method for calculating commission, Fig. 1 is calculating commission provided in an embodiment of the present invention
Method flow chart, as shown in figure 1, the method comprising the steps of S110 to step S160.
Step S110, reads the surrender data of surrender declaration form, and surrender data include the surrender time.
The embodiment of the present invention can be by scanning surrender declaration form and carry out content recognition, or the mode directly entered is read
Take the surrender data in surrender declaration form.
Surrender declaration form refers to the declaration form for completing surrender hand sequence, and surrender refers to when insurance contract does not have implement, through insuring
People applies to insurant, and the insurer agrees to, releases the legal relation that both sides are determined by contract, the insurer is according to relevant laws and regulations
And the agreement of contract, return the surrender value of insurance policy.
The declaration form of insurance money was generally got, surrender must not be applied for.Normal surrender typically requires：Declaration form passes through certain year
After degree, insurer can propose that application of terminating an agreement, insurance company are preset in the time limit from should being connected to application certainly and return declaration form cash
Value.
The embodiment of the present invention can store surrender declaration form by special system or memory space, when insurance company receives
To insurer's application surrender when, a surrender declaration form can be generated, include formerly accepting insurance declaration form corresponding to its on the surrender declaration form
On relevant information, and surrender time and surrender reason etc..
Step S120, receive and accept insurance declaration form and read the data of accepting insurance of declaration form of accepting insurance.
This step receive declaration form of accepting insurance be passed through insurer insure, core guarantor core protect and insurance company accept insurance three and walk
The declaration form of generation after rapid.The embodiment of the present invention can store declaration form of accepting insurance by special system or memory space, deposit
It is separate to store up the system for declaration form of accepting insurance or the system or memory space of memory space and the above-mentioned surrender declaration form of storage.Accept insurance
The date of formation of declaration form is on the same day typically with receiving declaration form of accepting insurance, i.e. insurance company is after the declaration form of accepting insurance is generated, and one
As the declaration form that will can accept insurance immediately be stored in corresponding system or memory space.
Step S130, target surrender data are determined, the surrender time of target surrender data is in preset time period.
After new declaration form of accepting insurance is received, it whether there is the old declaration form of business personnel's misleading client's surrender then to verify
Again accept insurance the situation of new declaration form, the surrender declaration form in preset time period can be checked, can when the length of preset time period is set
The surrender declaration form in 1 year can be read to assess different insurance kinds and the risk size corresponding to the amount of money, the present embodiment, i.e.,
Surrender declaration form of the surrender time within 1 year.
Step S140, contrast first in target surrender data and insure information and that accepts insurance in data second insure information,
Obtain comparing result.
Comparing result can be divided into matching and mismatch, and second in declaration form of accepting insurance is insured in information and certain time limit
First in surrender declaration form information of insuring is contrasted, if information is all consistent, it is considered that comparing result is matching,
That is, the declaration form, which is identified as, is the old declaration form of surrender and then accepts insurance again new declaration form.
In general, it is possible, firstly, to which contrast is insurer's information and/or warrantee's information, i.e. whether by same
People insures, or whether is benefited by same person, if insurer's information and/or warrantee's information are identical, it is likely that deposit
In the situation of the old declaration form of surrender and then new declaration form of accepting insurance again.It is then also possible to further contrast surrender declaration form and declaration form of accepting insurance
Policy type, policy type can be generally divided into life insurance, property insurance, sickness insurance and vehicle insurance etc..Insurer and warrantee in order to
More fully ensure, a variety of different insurance kinds may be thrown, therefore, when being contrasted, policy type can be specified, if thrown
Guarantor's information and/or warrantee's information are identical, but policy type is different, then are not considered as to have the old declaration form of surrender and then accept insurance again
The situation of new declaration form.
In a kind of preferred implementation, it may comprise steps of：
Step 1, the first first insurer's information and first warrantee's information insured in information is read.
Step 2, the second second insurer's information and second warrantee's information insured in information is read.
Step 3, if first insurer's information is consistent with second insurer's information, and/or first warrantee's information and second
Warrantee's information is consistent, it is determined that object information matches.
In above-mentioned steps 1-3, insurer's name field of accept insurance declaration form and all surrender declaration forms can be read, inquiry is moved back
Protect in declaration form whether there is with declaration form identical insurer's name of accepting insurance, if so, then take out these surrender declaration forms, exclusion is not deposited
In the surrender declaration form of identical insurer's name.
Further, warrantee's name field of accept insurance declaration form and the surrender declaration form of these taking-ups, inquiry can also be read
It whether there is in the surrender declaration form of taking-up in declaration form identical warrantee's name of accepting insurance, if so, these surrender declaration forms are then taken out,
Exclude the surrender declaration form in the absence of identical warrantee's name.
Step 4, the second policy type in the first policy type in surrender data and data of accepting insurance is read respectively, if the
One policy type is consistent with the second policy type, it is determined that type information matches.
Step 5, if object information matching and type information matching, it is determined that comparing result is matching.
The policy type field of accept insurance declaration form and the surrender declaration form of these taking-ups is read, inquiring about in the surrender declaration form of taking-up is
No to be present in declaration form identical policy type of accepting insurance, if so, then comparing result is matching, i.e. it is right to there is the old declaration form of surrender in determination
Accept insurance again afterwards the situation of new declaration form.
Because the quantity of surrender declaration form may be bigger, therefore the declaration form that will accept insurance is carried out by single pair ratio with a large amount of surrender declaration forms
It is the larger task of a workload.In order to reduce workload, the embodiment of the present invention can read surrender declaration form respectively and accept insurance
Some preset fields in declaration form, if the preset field of surrender declaration form is identical with the preset field for declaration form of accepting insurance, comparing result
For matching, if the preset field of surrender declaration form and the preset field for declaration form of accepting insurance differ, comparing result is mismatch.Due to
The form of declaration form and surrender declaration form of accepting insurance compares determination, and many contents cannot participate in the contrast of this step in declaration form, therefore,
The specific fields can only read in each declaration form completes required contrast.
Step S150, if comparing result is matching, to declaration form addition surrender mark of accepting insurance.
Comparing result for matching when, it may be determined that the declaration form of accepting insurance is new declaration form of accepting insurance again after the old declaration form of surrender
Situation, such case can not calculate commission by the situation of new declaration form, therefore such declaration form of accepting insurance can be identified.This hair
The mode of bright embodiment addition mark, can create a new field, when the character of the field is 1, for declaration form of accepting insurance
Addition mark, and calculate commission by the first preset algorithm.
Step S160, commission numerical value is calculated according to the first preset algorithm, commission numerical value, which corresponds to, includes holding for surrender mark
Protect declaration form.
First preset algorithm can be with calculating renewal commission identical algorithm.Such as renewal commission is insured amount
10%, then the first preset algorithm in the embodiment of the present invention is y=0.1x, wherein, y is commission, and x is insurance expenses.
The embodiment of the present invention carries out the contrast of customizing messages, automatic identification is moved back by obtaining surrender declaration form and declaration form of accepting insurance
Declaration form is protected, and commission is calculated to surrender declaration form by special algorithm, calculates compared to manual identified surrender declaration form and manually commission
Mode, the embodiment of the present invention improves speed and the degree of accuracy of calculating, and then improves the efficiency of commission calculating.
In order to further improve the service quality of business personnel, at the same the accuracy and authenticity for the information that ensures to insure, insurance
Company may require that business personnel when selling new declaration form, carry out client's return visit.Some business personnels understand spurious information, show to have completed
Client is paid a return visit, and risk and loss are brought to client and company.In order to avoid the appearance of such case, insurance company's meeting basis is insured
The address of people, confirmation is directly sent, whether inquiry insurer completes client's return visit, and checks the interior of client's return visit
Hold.Insurer it is determined that complete client pay a return visit, and determine client pay a return visit content it is errorless after, acknowledgement information can be fed back.If
Insurance company does not receive acknowledgement information, then it is assumed that business personnel is not completed to pay a return visit, and now business personnel can be withholdd；Such as
Fruit insurance company receives acknowledgement information, then can typing or the scanning recognition acknowledgement information.
Preferably, the embodiment of the present invention can perform following steps in step S160：
Step 1, if being not detected by receipt mark corresponding with declaration form of accepting insurance, the guarantor that accepts insurance is calculated according to the second preset algorithm
Single commission base.
Predeterminated position in the embodiment of the present invention can be special system or special memory space, and every part of receipt is believed
Breath is corresponded by number of policy and declaration form of accepting insurance, by searching for number of policy, it can be determined that whether predeterminated position includes the receipt
Information.
The commission that second preset algorithm calculates is usually negative, i.e., business personnel is withholdd, and the second preset algorithm can be with
It is configured according to the actual requirements, for example, the second preset algorithm can be y=-N, i.e. if comprising acknowledgement information, then deduct
Preset cost, such as N=500, i.e. preset cost are 500 yuans；Or second preset algorithm can also be y=-kx,
That is, if the preset ratio for including acknowledgement information, then deduction insurance premium, such as k=0.2, that is, the 20% of insured amount is deducted；
Or second preset algorithm can be classification, such as the of that month situation for occurring include acknowledgement information for the first time then deducts in advance
If the amount of money, since the situation occurs in next time, gradually increase amount deducted.
Step 2, commission base is handled according to the first preset algorithm, to calculate commission numerical value.
Commission is being calculated by the second preset algorithm and then continues to calculate commission numerical value, the numerical value by the first preset algorithm
As subtract the numerical value of the commission after withholing.
By above-mentioned 2 steps, commission numerical value can be more reasonably calculated in the case where considering to pay a return visit this factor.
The income of business personnel is except that including commission, can also include training subsidy.Subsidy is trained equivalent to base pay, but is instructed
It is not changeless to practice subsidy, but what the commission based on the past period was calculated, for example, the commission of 1 year in the past
It is all very high, then the training subsidy of this month is also very high, if the commission of some month reduces in the past, then the training subsidy of this month
Can accordingly it reduce.
Contract removes declaration form and training subsidy may be had an impact.Contract, which is removed, refers to insurer within the hesitation phase of contract engagement
Surrender, general insurance corporate policy insurer receive after declaration form ten days be the hesitation phase, if insurer's contract is removed, it will usually deduct work
Whole premiums are returned after this expense.Due to the interval of ten days, contract removed the same month for being both likely to occur in and accepting insurance, it is also possible to which generation is being accepted insurance
Lower January, if in the same month, then can accurately calculate the commission of this month, but if contract remove occur it is next what is accepted insurance
Month, then need to recalculate the commission in the month accepted insurance.For example, the month removed so that contract occurs accepts insurance as reference, last month
Declaration form is removed in this month contract, then the commission of last month needs to reduce on the original basis, the reduction based on commission, training Tianjin of this month
Patch can also be reduced accordingly, so the training subsidy actually provided is more than the training subsidy that provide, multiple training subsidy
It should be subtracted, but because training subsidy has been provided before commission is calculated, therefore can only be subtracted from the commission of this month above-mentioned
Multiple training subsidy.
Fig. 2 is the flow chart for the method for recalculating commission number that the preferred embodiment of the present invention provides, as shown in Fig. 2
By the first preset algorithm, for addition mark declaration form of accepting insurance calculate commission after, in addition to step S210 to step S270.
Step S210, the contract that reading contract removes declaration form remove data, and contract removes data and removes month including contract and accept insurance month.
The embodiment of the present invention can remove declaration form by special system or memory space to store contract, when insurance company receives
When the contract applied to insurer is removed, a contract can be generated and remove declaration form, the contract, which is removed, includes declaration form of formerly being accepted insurance corresponding to its on declaration form
On relevant information, and contract removes month and the reason for contract is removed etc..
It is usually numeral, you can know month of accepting insurance, such as the number of the field by reading the content in corresponding field
Word is 6, then explanation month of accepting insurance is June.Because the hesitation phase that contract is removed has ten days, otherwise therefore removed with contract same in month of accepting insurance
Individual month, or upper one month removed in contract.
Step S220, if accept insurance month and contract to remove month be not the same moon, obtain the original commission number in month of accepting insurance
Value.
Read the numerical value for contracting month field and contract removes the numerical value of month field, if numerical value is identical, can determine to hold
It is the same moon to protect month and contract and remove month；, whereas if numerical value is different, then it can determine to accept insurance month and contract removes month and is not
The same moon.If accept insurance month and contract to remove month be not the same moon, because the hesitation phase only has ten days, no more than one month,
Then it has been confirmed that month of accepting insurance removes upper one month of month in contract, then the original commission in month of accepting insurance, that is, the servant provided
Gold, it is that can know from the database of storage commission record.
Step S230, contract is calculated according to the first preset algorithm and removes deduction commission numerical value of the declaration form in month of accepting insurance.
Generally, it is no commission that contract, which removes declaration form, that is, how many commission have been collected when accepting insurance, and will be returned when contract is removed
Also how many commissions, it is exactly commission numerical value corresponding to declaration form of insuring that contract, which removes deduction commission numerical value corresponding to commission,.
Such as it is x that contract, which removes the insurance expenses of declaration form, according to the first preset algorithm y=0.1x, (wherein, y is commission, and x is throws
Premium use) y that can receive a commission value, then deduction commission numerical value i.e. y.
Step S240, the renewal commission numerical value in month of being accepted insurance according to original commission numerical value and deduction commission numerical computations.
In this step, by original commission numerical value, that is, the commission received, deduction commission numerical value is subtracted, that is, needs what is returned
Commission, actual deserved commission can be obtained, that is, updates commission numerical value.
Step S250, the renewal training subsidy numerical value in month of being accepted insurance according to renewal commission numerical computations.
The number of training subsidy is usually what is be calculated according to the commission in multiple months of past, and training subsidy numerical value can be
The 1/2 of preceding 3 months commission number average values, for example, the commission numerical value of first 3 months is respectively 3000,5000 and 5000, then this
Moon training subsidy numerical value is (3000+5000+5000)/3=4333.If hiring date was less than 3 months, according to existing several
Month commission numerical computations this month training subsidy numerical value, such as only registration 2 months, then according to the commission numerical computations sheet of 2 months
Moon training subsidy numerical value.If the commission of last month changes, renewal commission can be based on, calculates renewal training subsidy.
Step S260, obtain the original training subsidy numerical value in month of accepting insurance.
Original training subsidy numerical value is the training subsidy calculated according to original commission, has typically been precomputed
As a result, and provided, therefore directly can be read out from the record of database.
Step S270, the servant in month is removed according to the difference renewal contract of renewal training subsidy numerical value and original training subsidy numerical value
Golden number value.
Compare renewal training subsidy numerical value and original training subsidy numerical value, generally renewal training subsidy numerical value is small
In original training subsidy numerical value, because original training subsidy has calculated result or has provided, therefore according to more
The difference of new training subsidy numerical value and original training subsidy numerical value, can update the commission numerical value that contract removes month, i.e. remove the moon from contract
The difference of original training subsidy and renewal training subsidy is deducted in the commission of part.
By above-mentioned steps, renewal commission numerical value and renewal training subsidy numerical value can be more accurately calculated, is made up in time
Contract removes the loss brought to insurance company, so as to control the cost of insurance company exactly.
Further, the problem of contract is removed with surrender not exclusively to commission, surrender rate and the contract rate of removing can also be included achievement
Effect examination.
In the present embodiment, surrender rate can be calculated according to the quantity of surrender declaration form first within preset duration；Then root
The quantity calculating contract that declaration form is removed according to contract removes rate；And rate is removed according to surrender rate and contract and calculates performance；Finally adjustment according to performance more
New training subsidy numerical value.
When calculating surrender rate and contract and removing rate, surrender declaration form quantity can be obtained respectively and contract removes declaration form quantity, during with reference to this
Between section total declaration form quantity, you can show that surrender rate and contract remove rate.The embodiment of the present invention can remove surrender rate and contract in rate work
Original performance algorithm is incorporated to for coefficient, such as original performance algorithm is y=f (x), y is the fractional value of performance, and new performance is calculated
Method can be y=f (x) * (1-A) * (1-B), wherein, A is surrender rate, and B is that contract removes rate, such as surrender rate is 10%, and contract removes rate
For 15%, then performance y=f (x) * (1-0.1) * (1-0.15)=f (x) * 0.765.That is, new performance fraction is original performance
The 76.5% of fraction.
By the embodiment, surrender rate can be reduced to a certain extent and contract removes rate, caused by reducing improper factor
The contract of surrender is removed.
It should be understood that the size of the sequence number of each step is not meant to the priority of execution sequence, each process in above-described embodiment
Execution sequence should determine that the implementation process without tackling the embodiment of the present invention forms any limit with its function and internal logic
It is fixed.
Corresponding to the method for the calculating commission of foregoing embodiments, Fig. 3 is the dress of calculating commission provided in an embodiment of the present invention
The schematic diagram put, for convenience of description, it illustrate only the part related to the embodiment of the present invention.
Reference picture 3, the device include：
First read module 31, for reading the surrender data of surrender declaration form, surrender data include the surrender time.
Receiving module 32, accept insurance declaration form for receiving and read the data of accepting insurance of declaration form of accepting insurance.
Determining module 33, for determining target surrender data, the surrender time of target surrender data is in preset time period.
Contrast module 34, second in data insured for contrasting the in target surrender data first insure information and accepting insurance
Information, obtain comparing result.
Add module 35, for when comparing result is matches, declaration form addition surrender to identify to accepting insurance.
First computing module 36, for calculating commission numerical value according to the first preset algorithm, commission numerical value, which corresponds to, to be included moving back
Protect the declaration form of accepting insurance of mark.
Preferably, the first computing module 36 includes：
First calculating sub module, for when being not detected by receipt mark corresponding with declaration form of accepting insurance, being preset according to second
Algorithm calculates the commission base for declaration form of accepting insurance.
Second calculating sub module, for handling commission base according to the first preset algorithm, to calculate commission numerical value.
Preferably, the device also includes：
Second read module, the contract that declaration form is removed for reading contract remove data, and contract removes data and removes month and the moon of accepting insurance including contract
Part.
First acquisition module, for accept insurance month and contract to remove month be not the same moon when, obtain the original in month of accepting insurance
Beginning commission numerical value.
Second computing module, deduction commission number of the declaration form in month of accepting insurance is removed for calculating contract according to the first preset algorithm
Value.
3rd computing module, the renewal commission for month of being accepted insurance according to original commission numerical value and deduction commission numerical computations
Numerical value.
4th computing module, the renewal training subsidy numerical value for month of being accepted insurance according to renewal commission numerical computations.
Second acquisition module, for obtaining the original training subsidy numerical value in month of accepting insurance.
First update module, for being removed according to the difference renewal contract of renewal training subsidy numerical value and original training subsidy numerical value
The commission numerical value in month.
Preferably, the device also includes：
5th computing module, within preset duration, surrender rate to be calculated according to the quantity of surrender declaration form.
6th computing module, the quantity for removing declaration form according to contract calculate contract and remove rate.
7th computing module, performance is calculated for removing rate according to surrender rate and contract.
Second update module, for adjusting renewal training subsidy according to performance.
Preferably, contrast module 34 includes：
First reading submodule, for reading the first first insurer's information and the first warrantee letter insured in information
Breath.
Second reading submodule, for reading the second second insurer's information and the second warrantee letter insured in information
Breath.
First determination sub-module, for consistent with second insurer's information in first insurer's information, and/or first is protected
When people's information is consistent with second warrantee's information, determine that object information matches.
Second determination sub-module, for reading the first policy type in surrender data and second in data of accepting insurance respectively
Policy type, when the first policy type is consistent with the second policy type, determine that type information matches.
3rd determination sub-module, in object information matching and type information matching, determining comparing result for matching.
The embodiment of the present invention carries out the contrast of customizing messages, automatic identification is moved back by obtaining surrender declaration form and declaration form of accepting insurance
Declaration form is protected, and commission is calculated to surrender declaration form by special algorithm, calculates compared to manual identified surrender declaration form and manually commission
Mode, the embodiment of the present invention improves speed and the degree of accuracy of calculating, and then improves the efficiency of commission calculating.
Fig. 4 is the schematic diagram of the equipment of calculating commission provided in an embodiment of the present invention.As shown in figure 4, the meter of the embodiment
Calculating the equipment 4 of commission includes：Processor 40, memory 41 and it is stored in memory 41 and can be run on processor 40
Computer program 42, such as calculate the program of commission.Processor 40 realizes that above-mentioned each calculate is hired when performing computer program 42
Step in the embodiment of the method for gold, such as step 110 shown in Fig. 1 is to 160.Or processor 40 performs computer program
The function of each module/unit in above-mentioned each device embodiment, such as the function of module 31 to 36 shown in Fig. 3 are realized when 42.
Exemplary, computer program 42 can be divided into one or more module/units, one or more mould
Block/unit is stored in memory 41, and is performed by processor 40, to complete the present invention.One or more module/units can
To be the series of computation machine programmed instruction section that can complete specific function, the instruction segment is by describing computer program 42 based on
Calculate the implementation procedure in the equipment 4 of commission.For example, computer program 42 can be divided into the first read module, receiving module,
Determining module, contrast module, add module and the first computing module 36, each module concrete function are as follows：
First read module is used for the surrender data for reading surrender declaration form, and surrender data include the surrender time.
Receiving module, which is used to receive to accept insurance, declaration form and reads the data of accepting insurance of declaration form of accepting insurance.
Determining module is used to determine target surrender data, and the surrender time of target surrender data is in preset time period.
What contrast module was used to contrast in target surrender data first insures information and that accepts insurance in data second insure letter
Breath, obtains comparing result.
Add module is used for when comparing result is matches, to declaration form addition surrender mark of accepting insurance.
First computing module is used to calculate commission numerical value according to the first preset algorithm, and commission numerical value, which corresponds to, includes surrender mark
The declaration form of accepting insurance known.
The equipment 4 for calculating commission can be that the calculating such as desktop PC, notebook, palm PC and cloud server are set
It is standby.It will be understood by those skilled in the art that Fig. 4 is only the example for the equipment 4 for calculating commission, do not form to calculating commission
The restriction of equipment 4, it can include than illustrating more or less parts, either combine some parts or different parts, example
Input-output equipment, network access equipment, bus can also be included by such as calculating the equipment of commission.
Alleged processor 40 can be CPU (Central Processing Unit, CPU), can also be
Other general processors, digital signal processor (Digital Signal Processor, DSP), application specific integrated circuit
(Application Specific Integrated Circuit, ASIC), ready-made programmable gate array (Field-
Programmable Gate Array, FPGA) either other PLDs, discrete gate or transistor logic,
Discrete hardware components etc..General processor can be microprocessor or the processor can also be any conventional processor
Deng.
Memory 41 can be the internal storage unit for the equipment 4 for calculating commission, such as calculate the hard disk of the equipment 4 of commission
Or internal memory.Memory 41 can also be matched somebody with somebody on the External memory equipment for the equipment 4 for calculating commission, such as the equipment 4 of calculating commission
Standby plug-in type hard disk, intelligent memory card (Smart Media Card, SMC), secure digital (Secure Digital, SD)
Card, flash card (Flash Card) etc..Further, the inside for the equipment 4 that memory 41 can also both include calculating commission is deposited
Storage unit also includes External memory equipment.Memory 41 is used to store its needed for the equipment of computer program and calculating commission
His program and data.Memory 41 can be also used for temporarily storing the data that has exported or will export.
It is apparent to those skilled in the art that for convenience of description and succinctly, only with above-mentioned each work(
Can unit, module division progress for example, in practical application, can be as needed and by above-mentioned function distribution by different
Functional unit, module are completed, i.e., the internal structure of described device are divided into different functional units or module, more than completion
The all or part of function of description.Each functional unit, module in embodiment can be integrated in a processing unit, also may be used
To be that unit is individually physically present, can also two or more units it is integrated in a unit, it is above-mentioned integrated
Unit can both be realized in the form of hardware, can also be realized in the form of SFU software functional unit.In addition, each function list
Member, the specific name of module are not limited to the protection domain of the application also only to facilitate mutually distinguish.Said system
The specific work process of middle unit, module, the corresponding process in preceding method embodiment is may be referred to, will not be repeated here.
Those of ordinary skill in the art are it is to be appreciated that the list of each example described with reference to the embodiments described herein
Member and algorithm steps, it can be realized with the combination of electronic hardware or computer software and electronic hardware.These functions are actually
Performed with hardware or software mode, application-specific and design constraint depending on technical scheme.Professional and technical personnel
Described function can be realized using distinct methods to each specific application, but this realization is it is not considered that exceed
The scope of the present invention.
In embodiment provided by the present invention, it should be understood that disclosed apparatus and method, others can be passed through
Mode is realized.For example, system embodiment described above is only schematical, for example, the division of the module or unit,
Only a kind of division of logic function, can there is an other dividing mode when actually realizing, such as multiple units or component can be with
With reference to or be desirably integrated into another system, or some features can be ignored, or not perform.It is another, it is shown or discussed
Mutual coupling or direct-coupling or communication connection can be by some interfaces, the INDIRECT COUPLING of device or unit or
Communication connection, can be electrical, mechanical or other forms.
The unit illustrated as separating component can be or may not be physically separate, show as unit
The part shown can be or may not be physical location, you can with positioned at a place, or can also be distributed to multiple
On NE.Some or all of unit therein can be selected to realize the mesh of this embodiment scheme according to the actual needs
's.
In addition, each functional unit in each embodiment of the present invention can be integrated in a processing unit, can also
That unit is individually physically present, can also two or more units it is integrated in a unit.Above-mentioned integrated list
Member can both be realized in the form of hardware, can also be realized in the form of SFU software functional unit.
If the integrated unit is realized in the form of SFU software functional unit and is used as independent production marketing or use
When, it can be stored in a computer read/write memory medium.Based on such understanding, the technical scheme of the embodiment of the present invention
The part substantially to be contributed in other words to prior art or all or part of the technical scheme can be with software products
Form embody, the computer software product is stored in a storage medium, including some instructions are causing one
Computer equipment (can be personal computer, server, or network equipment etc.) or processor (processor) perform this hair
The all or part of step of the bright each embodiment methods described of embodiment.And foregoing storage medium includes：USB flash disk, mobile hard disk,
Read-only storage (ROM, Read-Only Memory), random access memory (RAM, Random Access Memory), magnetic
Dish or CD etc. are various can be with the medium of store program codes.
Embodiment described above is merely illustrative of the technical solution of the present invention, rather than its limitations；Although with reference to foregoing reality
Example is applied the present invention is described in detail, it will be understood by those within the art that：It still can be to foregoing each
Technical scheme described in embodiment is modified, or carries out equivalent substitution to which part technical characteristic；And these are changed
Or replace, the essence of appropriate technical solution is departed from the spirit and scope of various embodiments of the present invention technical scheme, all should
Within protection scope of the present invention.
Claims (10)
- A kind of 1. method for calculating commission, it is characterised in that including：The surrender data of surrender declaration form are read, the surrender data include the surrender time；Receive accept insurance declaration form and the data of accepting insurance of declaration form of accepting insurance described in reading；Target surrender data are determined, the surrender time of the target surrender data is in preset time period；Contrast first in the target surrender data insure in information and the data of accepting insurance second insure information, obtain pair Compare result；If the comparing result is matching, to the declaration form addition surrender mark of accepting insurance；Commission numerical value is calculated according to the first preset algorithm, the commission numerical value is accepted insurance corresponding to the described of surrender mark is included Declaration form.
- 2. the method as described in claim 1, it is characterised in that described to include by the first preset algorithm calculating commission numerical value：If it is not detected by receipt mark corresponding with the declaration form of accepting insurance, declaration form of being accepted insurance according to calculating the second preset algorithm Commission base；The commission base is handled according to first preset algorithm, to calculate the commission numerical value.
- 3. the method as described in claim 1, it is characterised in that it is described press the first preset algorithm calculate commission after, also wrap Include：The contract that reading contract removes declaration form removes data, and the contract removes data and removes month including contract and accept insurance month；If it is described accept insurance month and contract to remove month be not the same moon, obtain described in accept insurance the original commission numerical value in month；The contract is calculated according to first preset algorithm and removes deduction commission numerical value of the declaration form in the month of accepting insurance；Accepted insurance according to the original commission numerical value with the deduction commission numerical computations renewal commission numerical value in month；According to it is described renewal commission numerical computations described in accept insurance month renewal train subsidy numerical value；Accepted insurance described in acquisition the original training subsidy numerical value in month；The difference of subsidy numerical value and the original training subsidy numerical value is trained to update the servant that the contract removes month according to the renewal Golden number value.
- 4. method as claimed in claim 3, it is characterised in that subsidy numerical value and the original are trained according to the renewal described After the difference renewal contract of beginning training subsidy numerical value removes the commission numerical value in month, in addition to：Within preset duration, surrender rate is calculated according to the quantity of the surrender declaration form；The quantity calculating contract that declaration form is removed according to the contract removes rate；Rate is removed according to the surrender rate and the contract and calculates performance；According to the performance adjustment renewal training subsidy.
- 5. the method as described in claim 1, it is characterised in that first in the contrast target surrender data insures letter Second in breath and the data of accepting insurance insures information, obtains comparing result, including：Read the described first first insurer's information and first warrantee's information insured in information；Read the described second second insurer's information and second warrantee's information insured in information；If the first insurer information is consistent with the second insurer information, and/or the first warrantee information and institute It is consistent to state second warrantee's information, it is determined that object information matches；The second policy type in the first policy type and the data of accepting insurance in the surrender data is read respectively, if described First policy type is consistent with second policy type, it is determined that type information matches；If the object information matching and type information matching, it is determined that the comparing result is matching.
- 6. a kind of computer-readable recording medium, the computer-readable recording medium storage has the program for calculating commission, and it is special Sign is, when the program for calculating commission is by least one computing device, realizes as any one of claim 1-5 The step of calculating the method for commission.
- 7. a kind of equipment for calculating commission, it is characterised in that the equipment for calculating commission includes memory, processor and storage On the memory and the program of calculating commission that can run on the processor, calculate and hire described in the computing device Following steps are realized during the program of gold：The surrender data of surrender declaration form are read, the surrender data include the surrender time；Receive accept insurance declaration form and the data of accepting insurance of declaration form of accepting insurance described in reading；Target surrender data are determined, the surrender time of the target surrender data is in preset time period；Contrast first in the target surrender data insure in information and the data of accepting insurance second insure information, obtain pair Compare result；If the comparing result is matching, to the declaration form addition surrender mark of accepting insurance；Commission numerical value is calculated according to the first preset algorithm, the commission numerical value is accepted insurance corresponding to the described of surrender mark is included Declaration form.
- 8. the equipment of commission is calculated as claimed in claim 7, it is characterised in that first preset algorithm of pressing calculates commission number The step of value, specifically include：If it is not detected by receipt mark corresponding with the declaration form of accepting insurance, declaration form of being accepted insurance according to calculating the second preset algorithm Commission base；The commission base is handled according to first preset algorithm, to calculate the commission numerical value.
- 9. the equipment of commission is calculated as claimed in claim 7, it is characterised in that calculate commission in first preset algorithm of pressing The step of after, in addition to：The contract that reading contract removes declaration form removes data, and the contract removes data and removes month including contract and accept insurance month；If it is described accept insurance month and contract to remove month be not the same moon, obtain described in accept insurance the original commission numerical value in month；The contract is calculated according to first preset algorithm and removes deduction commission numerical value of the declaration form in the month of accepting insurance；Accepted insurance according to the original commission numerical value with the deduction commission numerical computations renewal commission numerical value in month；According to it is described renewal commission numerical computations described in accept insurance month renewal train subsidy numerical value；Accepted insurance described in acquisition the original training subsidy numerical value in month；The difference of subsidy numerical value and the original training subsidy numerical value is trained to update the servant that the contract removes month according to the renewal Golden number value.
- 10. the equipment of commission is calculated as claimed in claim 9, it is characterised in that subsidy is trained according to the renewal described After the difference of numerical value and the original training subsidy numerical value updates the step of contract removes the commission numerical value in month, in addition to：Within preset duration, surrender rate is calculated according to the quantity of the surrender declaration form；The quantity calculating contract that declaration form is removed according to the contract removes rate；Rate is removed according to the surrender rate and the contract and calculates performance；According to the performance adjustment renewal training subsidy.
Priority Applications (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710434574.3A CN107798592B (en) | 2017-06-09 | 2017-06-09 | Method and apparatus for calculating commission |
| PCT/CN2018/082608 WO2018223766A1 (en) | 2017-06-09 | 2018-04-11 | Method, storage medium, terminal apparatus, and device for calculating commission |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710434574.3A CN107798592B (en) | 2017-06-09 | 2017-06-09 | Method and apparatus for calculating commission |
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| Publication Number | Publication Date |
|---|---|
| CN107798592A true CN107798592A (en) | 2018-03-13 |
| CN107798592B CN107798592B (en) | 2021-06-25 |
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201710434574.3A Active CN107798592B (en) | 2017-06-09 | 2017-06-09 | Method and apparatus for calculating commission |
Country Status (2)
| Country | Link |
|---|---|
| CN (1) | CN107798592B (en) |
| WO (1) | WO2018223766A1 (en) |
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| CN108446962A (en) * | 2018-03-30 | 2018-08-24 | 东莞市盟大塑化科技有限公司 | A method of agency and sales auto-sequencing pairing |
| CN108520466A (en) * | 2018-03-30 | 2018-09-11 | 深圳市邦德布拉泽科技有限公司 | A kind of method of insurance agent industry service charge and commission policy Auto-matching |
| CN108734590A (en) * | 2018-04-09 | 2018-11-02 | 平安普惠企业管理有限公司 | The distribution method and terminal device of declaration form |
| CN108764853A (en) * | 2018-06-04 | 2018-11-06 | 中国平安人寿保险股份有限公司 | Real-time commission computational methods, device, equipment and computer readable storage medium |
| WO2018223766A1 (en) * | 2017-06-09 | 2018-12-13 | 平安科技（深圳）有限公司 | Method, storage medium, terminal apparatus, and device for calculating commission |
| CN109410070A (en) * | 2018-09-04 | 2019-03-01 | 中国平安人寿保险股份有限公司 | Core protects data processing method and system |
| CN111091468A (en) * | 2019-11-14 | 2020-05-01 | 泰康保险集团股份有限公司 | Policy data processing method and device, storage medium and electronic equipment |
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| CN104574184A (en) * | 2015-02-05 | 2015-04-29 | 中国农业银行股份有限公司 | Fast-redemption transaction method, device and system |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| WO2018223766A1 (en) * | 2017-06-09 | 2018-12-13 | 平安科技（深圳）有限公司 | Method, storage medium, terminal apparatus, and device for calculating commission |
| CN108446962A (en) * | 2018-03-30 | 2018-08-24 | 东莞市盟大塑化科技有限公司 | A method of agency and sales auto-sequencing pairing |
| CN108520466A (en) * | 2018-03-30 | 2018-09-11 | 深圳市邦德布拉泽科技有限公司 | A kind of method of insurance agent industry service charge and commission policy Auto-matching |
| CN108520466B (en) * | 2018-03-30 | 2021-09-03 | 深圳市邦德布拉泽科技有限公司 | Method for automatically matching commission fees and commission policies of insurance agency industry |
| CN108734590A (en) * | 2018-04-09 | 2018-11-02 | 平安普惠企业管理有限公司 | The distribution method and terminal device of declaration form |
| CN108734590B (en) * | 2018-04-09 | 2023-04-28 | 平安普惠企业管理有限公司 | Policy distribution method and terminal equipment |
| CN108764853A (en) * | 2018-06-04 | 2018-11-06 | 中国平安人寿保险股份有限公司 | Real-time commission computational methods, device, equipment and computer readable storage medium |
| CN109410070A (en) * | 2018-09-04 | 2019-03-01 | 中国平安人寿保险股份有限公司 | Core protects data processing method and system |
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| CN111091468A (en) * | 2019-11-14 | 2020-05-01 | 泰康保险集团股份有限公司 | Policy data processing method and device, storage medium and electronic equipment |
| CN111091468B (en) * | 2019-11-14 | 2023-08-22 | 泰康保险集团股份有限公司 | Policy data processing method and device, storage medium and electronic equipment |
Also Published As
| Publication number | Publication date |
|---|---|
| CN107798592B (en) | 2021-06-25 |
| WO2018223766A1 (en) | 2018-12-13 |
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