CN107798592B

CN107798592B - Method and apparatus for calculating commission

Info

Publication number: CN107798592B
Application number: CN201710434574.3A
Authority: CN
Inventors: 曾芳
Original assignee: Ping An Technology Shenzhen Co Ltd
Current assignee: Ping An Technology Shenzhen Co Ltd
Priority date: 2017-06-09
Filing date: 2017-06-09
Publication date: 2021-06-25
Anticipated expiration: 2037-06-09
Also published as: WO2018223766A1; CN107798592A

Abstract

The invention is suitable for the technical field of Internet, and provides a method and equipment for calculating commission, wherein the method comprises the following steps: reading the guarantee-release data of the guarantee-release bill, wherein the guarantee-release data comprises guarantee-release time; receiving an underwriting insurance policy and reading underwriting data of the underwriting insurance policy; determining target guarantee-back data, wherein the guarantee-back time of the target guarantee-back data is within a preset time period; comparing the first application information in the target insurance data with the second application information in the underwriting data to obtain a comparison result; if the comparison result is matching, adding an insurance withdrawing identifier to the insurance policy; a commission value is calculated according to a first preset algorithm, the commission value corresponding to an underwriting policy including an underwriting identification. The invention obtains the insurance policy and the underwriting policy, compares the specific information, automatically identifies the insurance policy, and calculates the commission of the insurance policy according to the specific algorithm.

Description

Method and apparatus for calculating commission

Technical Field

The invention belongs to the technical field of Internet, and particularly relates to a method and equipment for calculating commission.

Background

In the insurance industry, in order to enable a salesperson not only to meet the existing renewal business, the salesperson is motivated to develop a new business, and when the commission of the insurance is calculated, the commission of the renewal business is lower, and the commission of the new business is higher. Based on the calculation mode, the condition that a service staff misguides the client to make an insurance premium on the service which is already insured and then re-insures a new service exists, and the behavior can cause negative effects such as subsequent complaints of the client. Based on the above situations, in the prior art, when an insurance company calculates a commission of a service, it is necessary to manually check the actual situation of the underwriting service to ensure the accuracy of the commission calculation, but obviously, the manual check mode may reduce the efficiency of the commission calculation.

Disclosure of Invention

In view of this, embodiments of the present invention provide a method and an apparatus for calculating a commission, so as to solve the problem in the prior art that the efficiency of a commission calculation method is low.

A first aspect of an embodiment of the invention provides a method of calculating a policy commission, comprising:

reading the guarantee-release data of the guarantee-release bill, wherein the guarantee-release data comprises guarantee-release time;

receiving an underwriting insurance policy and reading underwriting data of the underwriting insurance policy;

determining target guarantee-back data, wherein the guarantee-back time of the target guarantee-back data is within a preset time period;

comparing the first application information in the target insurance data with the second application information in the underwriting data to obtain a comparison result;

if the comparison result is matching, adding an insurance withdrawing identifier to the insurance policy;

a commission value is calculated according to a first preset algorithm, the commission value corresponding to an underwriting policy including an underwriting identification.

A second aspect of an embodiment of the present invention provides an apparatus for calculating a commission on an insurance policy, the apparatus for calculating a commission including a memory, a processor, and a commission calculation program stored in the memory and executable on the processor, wherein the processor executes the commission calculation program to perform the following steps:

A third aspect of embodiments of the present invention provides a computer-readable storage medium storing a program for calculating a commission, the program for calculating a commission, when executed by at least one processor, implementing the steps of:

The embodiment of the invention obtains the insurance policy and the underwriting policy, compares the specific information, automatically identifies the insurance policy and calculates the commission for the insurance policy according to the specific algorithm.

Drawings

In order to more clearly illustrate the technical solutions in the embodiments of the present invention, the drawings needed to be used in the embodiments or the prior art descriptions will be briefly described below, and it is obvious that the drawings in the following description are only some embodiments of the present invention, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without inventive exercise.

Fig. 1 is a flow chart of a method for calculating a commission provided by an embodiment of the invention;

FIG. 2 is a flow chart of a method for recalculating commission amounts provided by a preferred embodiment of the present invention;

fig. 3 is a schematic diagram of a commission calculating device provided by the embodiment of the invention;

fig. 4 is a schematic diagram of a device for calculating commission provided by the embodiment of the invention.

Detailed Description

In the following description, for purposes of explanation and not limitation, specific details are set forth, such as particular system structures, techniques, etc. in order to provide a thorough understanding of the embodiments of the invention. It will be apparent, however, to one skilled in the art that the present invention may be practiced in other embodiments that depart from these specific details. In other instances, detailed descriptions of well-known systems, devices, circuits, and methods are omitted so as not to obscure the description of the present invention with unnecessary detail.

In order to explain the technical means of the present invention, the following description will be given by way of specific examples.

An embodiment of the present invention provides a method for calculating a commission, and fig. 1 is a flowchart of the method for calculating a commission provided by the embodiment of the present invention, and as shown in fig. 1, the method includes steps S110 to S160.

Step S110, reading the guarantee-release data of the guarantee-release policy, wherein the guarantee-release data comprises the guarantee-release time.

The embodiment of the invention can read the guarantee-release data in the guarantee-release policy by scanning the guarantee-release policy and identifying the content or directly inputting the guarantee-release policy.

The insurance policy of the insurance is finished, the insurance policy of the insured person is applied to the insured person, the insurer agrees to release the legal relationship determined by the contract between the insured person and the insured person, and the insurer returns the cash value of the insurance policy according to the relevant laws and regulations and the agreement of the contract.

The insurance policy of the insurance fund is usually picked up, and no application for refunding is made. The normal retirement general requirements are: after the policy is over a certain period of time, the applicant can propose an offer for relief, and the insurance company can return the cash value of the policy within a preset period from the date of receiving the offer.

The embodiment of the invention can store the insurance policy for the insurance by a special system or a special storage space, and when the insurance company receives the insurance application from the applicant, the insurance policy for the insurance can be generated, and the insurance policy for the insurance includes the related information on the corresponding prior insurance policy for the insurance policy, the insurance time for the insurance policy for.

Step S120, receiving the underwriting insurance policy and reading underwriting data of the underwriting insurance policy.

The insurance policy received in this step is generated after three steps of insurance application by the applicant, insurance verification by the underwriter and insurance underwriting by the insurance company. The embodiment of the invention can store the underwriting insurance policy through a special system or a special storage space, and the system or the storage space for storing the underwriting insurance policy are mutually independent. The date of creation of the underwriting policy is typically the same day that the underwriting policy was received, i.e., the insurance company will typically store the underwriting policy in the corresponding system or storage space immediately after creating the underwriting policy.

Step S130, determining target guarantee-back data, wherein the guarantee-back time of the target guarantee-back data is within a preset time period.

After receiving the new insurance policy, in order to check whether there is a situation that the waiter misleads the customer to refund the old insurance policy and then re-insures the new insurance policy, the insurance policy within the preset time period can be checked, and different risk types and the risk size corresponding to the amount of money can be evaluated when the length of the preset time period is set.

And step S140, comparing the first application information in the target insurance data with the second application information in the underwriting data to obtain a comparison result.

The comparison result can be divided into matching and mismatching, the second insurance application information in the insurance policy is compared with the first insurance application information in the insurance policy under the condition of a certain period, if the information is consistent, the comparison result can be considered to be matched, namely, the insurance policy is determined to be the old insurance policy under the condition of the retirement, and then the new insurance policy is underwritten again.

Generally speaking, first, the applicant information and/or the insured life information, i.e., whether or not the same applicant applies the insurance or whether or not the same person benefits, may be compared, and if the applicant information and/or the insured life information are the same, there may be situations where an old policy is retired and then a new policy is re-insured. Then, the policy types of the insurance policy and the insurance policy can be further compared, and the policy types can be generally classified into life insurance, financial insurance, disease insurance, vehicle insurance and the like. The applicant and insured life may risk multiple different risk categories for more complete insurance, so that when making a comparison, the policy type may be specified, and if the applicant information and/or insured life information is the same, but the policy type is different, then the old policy is not considered to be under retirement and a new policy is re-underwritten.

In a preferred implementation, the following steps may be included:

step 1, reading first applicant information and first insured life information in the first application information.

And 2, reading the second applicant information and the second insured life information in the second application information.

And 3, if the first applicant information is consistent with the second applicant information and/or the first insured person information is consistent with the second insured person information, determining that the object information is matched.

In step 1-3, the insurance policy and the applicant name fields of all the insurance policies can be read, whether the insurance policy has the same applicant name as the insurance policy is inquired in the insurance policy, if so, the insurance policies are taken out, and the insurance policies without the same applicant name are excluded.

Further, the insured policy and the insured policy name field can be read to inquire if the withdrawn insured policy has the same insured policy name, if yes, the insured policy is withdrawn to exclude the insured policy without same insured name.

And 4, respectively reading a first insurance policy type in the insurance withdrawing data and a second insurance policy type in the insurance underwriting data, and if the first insurance policy type is consistent with the second insurance policy type, determining that the type information is matched.

And 5, if the object information is matched and the type information is matched, determining that the comparison result is matched.

And reading the policy type fields of the underwriting policy and the taken-out insurance policies, inquiring whether the taken-out insurance policies have the same policy type as the underwriting policy, and if so, comparing the results to be matched, namely determining that the old insurance policy is retired and then the new insurance policy is reinserted.

Since the number of warranties for an insurance policy may be relatively large, comparing an underwriting policy with a large number of insurance policies on a case-by-case basis is a relatively labor intensive task. In order to reduce workload, the embodiment of the present invention may respectively read a plurality of preset fields in the insurance policy and the insurance policy, where if the preset fields of the insurance policy and the insurance policy are the same, the comparison result is a match, and if the preset fields of the insurance policy and the insurance policy are not the same, the comparison result is a mismatch. Because the formats of the underwriting policy and the underwriting policy are relatively deterministic, much of the policy content does not participate in the comparison at this step, and therefore, the required comparison can be accomplished by simply reading the specific fields in each policy.

And S150, if the comparison result is matching, adding a refund identifier to the underwriting policy.

When the comparison is a match, it can be determined that the underwriting policy is a condition in which the old policy is de-insured and the new policy is re-underwritten, which cannot account for commissions as in the case of the new policy, and thus such an underwriting policy can be identified. The method for adding the identifier in the embodiment of the invention can be to create a new field, add the identifier for the underwriting policy when the character of the field is 1, and calculate the commission according to a first preset algorithm.

Step S160, calculating a commission value according to a first preset algorithm, the commission value corresponding to the underwriting policy including the underwriting identifier.

The first preset algorithm may be the same algorithm as the renewal commission is calculated. For example, if the renewal is 10% of the insurance amount, the first preset algorithm in the embodiment of the present invention is y ═ 0.1x, where y is the commission and x is the insurance cost.

Compared with the mode of manually identifying the insurance policy and manually calculating the commission, the embodiment of the invention improves the speed and the accuracy of calculation and further improves the efficiency of commission calculation.

In order to further improve the service quality of the business staff and ensure the accuracy and the authenticity of the insurance information, the insurance company requires the business staff to return to visit when selling new insurance policies. Some operators forge information indicating that the customer return visit has been completed, with risks and losses to the customer and the company. In order to avoid the situation, the insurance company can directly send out confirmation information according to the communication address of the applicant, inquire whether the applicant finishes the return visit of the client or not, and check the return visit content of the client. The applicant feeds back receipt information after determining that the return visit of the client is completed and determining that the content of the return visit of the client is correct. If the insurance company does not receive the receipt information, the business member is considered not to finish the return visit, and the business member can be deducted money at the moment; if the insurance company receives the response piece information, the response piece information is entered or scanned and identified.

Preferably, the embodiment of the present invention may perform the following steps in step S160:

and 1, if the receipt identification corresponding to the underwriting insurance policy is not detected, calculating the commission base number of the underwriting insurance policy according to a second preset algorithm.

The preset position in the embodiment of the invention can be a special system or a special storage space, each piece of receipt information corresponds to the underwriting policy one by one through the policy number, and whether the preset position contains the receipt information or not can be judged by searching the policy number.

The commission calculated by the second preset algorithm is generally a negative number, i.e. a deduction is made for the salesperson, and the second preset algorithm can be set according to the actual demand, for example, the second preset algorithm can be y-N, i.e. if the second preset algorithm contains receipt information, a preset amount is deducted, for example, N is 500, i.e. the preset amount is 500 yuan; or the second preset algorithm may be y-kx, that is, if the receipt information is included, the preset proportion of the insurance fee is deducted, for example, k is 0.2, that is, 20% of the insurance amount is deducted; or the second predetermined algorithm may be hierarchical, for example, a predetermined amount of money is deducted when the absence of receipt information occurs for the first time during the month, and the deduction amount is gradually increased from the next occurrence of the condition.

And 2, processing the commission amount base number according to a first preset algorithm to calculate the commission amount value.

After the commission is calculated according to the second preset algorithm, the commission value is continuously calculated according to the first preset algorithm, and the value is the commission value after deduction is reduced.

Through the above 2 steps, the commission value can be calculated more reasonably considering the factor of return visit.

The income of the business staff may include training benefits in addition to commissions. The training allowance is equivalent to the base salary, but the training allowance is not fixed but calculated based on the commission of a period of time in the past, for example, the commission of the past year is very high, the training allowance of the month is also very high, and if the commission of a certain month in the past is reduced, the training allowance of the month is correspondingly reduced.

The evacuation of the policy may have an impact on the training allowance. The rule of contract withdrawal refers to the applicant's withdrawal within the contractually agreed hesitation period, and the insurance company generally stipulates that ten days after the applicant receives the policy as the hesitation period, and if the applicant rules of contract withdrawal, the fee of the work book is usually deducted and all the premium is returned. Due to the ten day interval, evacuation may occur either in the same month of underwriting or in the next month of underwriting, if in the same month, the commission for that month may be accurately calculated, but if evacuation occurs in the next month of underwriting, the commission for the month of underwriting needs to be recalculated. For example, if the month in which the commission is generated is used as a reference and the insurance policy of the previous month is generated in the current month, the commission of the previous month needs to be reduced on the original basis, and the training benefits of the current month are reduced correspondingly based on the reduction of the commission, so that the training benefits actually issued are larger than the training benefits to be issued, and the multiple training benefits should be reduced, but the training benefits are already issued before the commission is calculated, so that the multiple training benefits can be subtracted from the commission of the current month.

Fig. 2 is a flowchart of a method for recalculating the commission amount according to the preferred embodiment of the present invention, which further includes steps S210 to S270 after calculating the commission for adding the identified underwriting policy according to the first preset algorithm, as shown in fig. 2.

Step S210, the contract withdrawing data of the contract withdrawing insurance policy are read, and the contract withdrawing data comprise contract withdrawing months and underwriting months.

The embodiment of the invention can store the contract withdrawing policy through a special system or a special storage space, when the insurance company receives the contract withdrawing applied by the applicant, the contract withdrawing policy can be generated, and the contract withdrawing policy comprises the relevant information on the corresponding prior insurance policy, the contract withdrawing month, the reason for the contract withdrawing and the like.

The underwriting month can be known by reading the content, generally a number, in the corresponding field, for example, if the number of the field is 6, the underwriting month is 6 months. Since there are ten days in the hesitation period for evacuation, the insured month is either the same month as evacuation or the month immediately preceding evacuation.

Step S220, if the underwriting month and the withdrawing month are not the same month, acquiring the original commission value of the underwriting month.

Reading the numerical value of the contracted month field and the numerical value of the contracted month field, and if the numerical values are the same, determining that the contracted month and the contracted month are the same month; conversely, if the values are different, it may be determined that the underwriting month and the contractual month are not the same month. If the insured month and the withdrawn month are not the same month, and since the hesitation period is only ten days, not more than one month, it can be confirmed that the insured month is the last month of the withdrawn month, and the original commission of the insured month, i.e. the commission that has been issued, can be learned from the database that stores the commission records.

Step S230, calculating a deduction commission value of the withdrawal policy in the underwriting month according to a first preset algorithm.

Generally, the withdrawal insurance policy has no commission, namely, how many commissions are collected during the insurance acceptance, how many commissions are returned during the withdrawal insurance policy, and the deduction commission value corresponding to the withdrawal commission is the commission value corresponding to the insurance policy.

For example, if the insurance policy is withdrawn at a premium x, and the value of the commission y is obtained according to the first preset algorithm y ═ 0.1x (where y is the commission and x is the insurance premium), then the value of the commission is the value y.

In step S240, an updated commission value of the underwriting month is calculated according to the original commission value and the deduction commission value.

In this step, the actual due commission can be obtained by subtracting the deduction commission value, i.e. the commission required to be returned, from the original commission value, i.e. the commission received, i.e. the commission value updated.

Step S250, calculating the updated training allowance value of the underwriting month according to the updated commission value.

The amount of the training allowance is generally calculated based on the commission of the past months, and the value of the training allowance may be 1/2 of the average value of the commission values of the previous 3 months, for example, the commission values of the previous 3 months are 3000, 5000 and 5000 respectively, and then the value of the training allowance of the current month is (3000+5000+5000)/3 ═ 4333. If the enrollment time is less than 3 months, the monthly training allowance value is calculated according to the existing commission values of several months, for example, only 2 months are enrolled, and the monthly training allowance value is calculated according to the commission value of 2 months. If the commission of the last month changes, an updated training allowance can be calculated based on the updated commission.

Step S260, obtain the original training allowance value of the underwriting month.

The original training allowance value is a training allowance calculated based on the original commission, and the result is generally pre-calculated and issued, so that it can be directly read from the record of the database.

Step S270, updating the commission value of the month of evacuation according to the difference between the updated training allowance value and the original training allowance value.

Comparing the updated training allowance value with the original training allowance value, wherein the updated training allowance value is generally smaller than the original training allowance value, and since the original training allowance has been calculated or issued, the commission value of the month of contractual evacuation can be updated according to the difference between the updated training allowance value and the original training allowance value, i.e. the difference between the original training allowance and the updated training allowance is deducted from the commission of the month of contractual evacuation.

Through the steps, the updated commission value and the updated training allowance value can be calculated more accurately, the loss brought to the insurance company by the contract withdrawal can be made up in time, and the cost of the insurance company can be controlled accurately.

Further, evacuation and refund not only involve commission issues, but also incorporate the rate of refund and evacuation into performance assessment.

In this embodiment, the rate of the retirement may be calculated according to the number of the retirement policies within a preset time period; then calculating the contract withdrawing rate according to the number of contract withdrawing insurance policies; calculating performance according to the rate of the insurance refund and the rate of the contract withdrawal; and finally, adjusting and updating the training allowance value according to the performance.

When calculating the withdrawal rate and the contract withdrawal rate, the number of withdrawal insurance policies and the number of contract withdrawal insurance policies can be respectively obtained, and the withdrawal rate and the contract withdrawal rate can be obtained by combining the total number of the insurance policies in the time period. Embodiments of the present invention may incorporate the refund rate and the withdrawal rate as coefficients into the original performance algorithm, for example, the original performance algorithm is y ═ f (x), y is a score value of performance, and the new performance algorithm may be y ═ f (x) × (1-a) (1-B), where a is the refund rate and B is the withdrawal rate, for example, the refund rate is 10%, the withdrawal rate is 15%, and then the performance y ═ f (1-0.1) ((1-0.15) ((f-0.765). I.e., the new performance score is 76.5% of the original performance score.

By the implementation mode, the rate of the refund and the rate of the withdrawal can be reduced to a certain extent, and the withdrawal of the refund caused by abnormal factors is reduced.

It should be understood that, the sequence numbers of the steps in the foregoing embodiments do not imply an execution sequence, and the execution sequence of each process should be determined by its function and inherent logic, and should not constitute any limitation to the implementation process of the embodiments of the present invention.

Fig. 3 is a schematic view of a commission calculation device provided in the embodiment of the present invention, corresponding to the commission calculation method in the above embodiment, and only the parts related to the embodiment of the present invention are shown for convenience of explanation.

Referring to fig. 3, the apparatus includes:

the first reading module 31 is configured to read the guarantee-release data of the guarantee-release policy, where the guarantee-release data includes the guarantee-release time.

The receiving module 32 is configured to receive the underwriting policy and read underwriting data of the underwriting policy.

The determining module 33 is configured to determine target guarantee-back data, where the guarantee-back time of the target guarantee-back data is within a preset time period.

And the comparison module 34 is used for comparing the first application information in the target underwriting data with the second application information in the underwriting data to obtain a comparison result.

And the adding module 35 is used for adding the insurance withdrawing identification to the insurance policy when the comparison result is matching.

A first calculation module 36 for calculating a commission value according to a first preset algorithm, the commission value corresponding to an underwriting policy including an underwriting identification.

Preferably, the first calculation module 36 comprises:

and the first calculation submodule is used for calculating the commission base number of the underwriting insurance policy according to a second preset algorithm when the receipt identifier corresponding to the underwriting insurance policy is not detected.

And the second calculation sub-module is used for processing the commission base number according to the first preset algorithm so as to calculate the commission value.

Preferably, the apparatus further comprises:

and the second reading module is used for reading the contract withdrawing data of the contract withdrawing policy, and the contract withdrawing data comprises contract withdrawing months and underwriting months.

The first acquisition module is used for acquiring the original commission value of the underwriting month when the underwriting month and the withdrawing month are not the same month.

And the second calculation module is used for calculating the deduction commission value of the withdrawal policy in the underwriting month according to the first preset algorithm.

And the third calculation module is used for calculating the updated commission value of the underwriting month according to the original commission value and the deduction commission value.

And the fourth calculation module is used for calculating the updated training allowance value of the underwriting month according to the updated commission value.

And the second acquisition module is used for acquiring the original training allowance value of the underwriting month.

And the first updating module is used for updating the commission value of the month of the evacuation according to the difference value between the updated training allowance value and the original training allowance value.

Preferably, the apparatus further comprises:

and the fifth calculating module is used for calculating the refund rate according to the number of the refund policy within the preset time length.

And the sixth calculating module is used for calculating the contract withdrawing rate according to the number of the contract withdrawing insurance policies.

And the seventh calculation module is used for calculating the performance according to the insurance-returning rate and the contract-withdrawing rate.

And the second updating module is used for adjusting and updating the training allowance according to the performance.

Preferably, the comparison module 34 comprises:

and the first reading sub-module is used for reading the first applicant information and the first insured life information in the first application information.

And the second reading submodule is used for reading the second applicant information and the second insured life information in the second application information.

And the first determining submodule is used for determining the matching of the object information when the first applicant information is consistent with the second applicant information and/or the first insured person information is consistent with the second insured person information.

And the second determining submodule is used for respectively reading the first insurance policy type in the insurance withdrawing data and the second insurance policy type in the insurance underwriting data, and determining the type information matching when the first insurance policy type is consistent with the second insurance policy type.

And the third determining submodule is used for determining the comparison result as matching when the object information is matched and the type information is matched.

Fig. 4 is a schematic diagram of a device for calculating commission provided by the embodiment of the invention. As shown in fig. 4, the apparatus 4 for calculating commission of this embodiment includes: a processor 40, a memory 41 and a computer program 42, such as a commission calculating program, stored in the memory 41 and executable on the processor 40. The steps in the various commission calculating method embodiments described above, such as steps 110 through 160 shown in fig. 1, are implemented when the computer program 42 is executed by the processor 40. Alternatively, the processor 40, when executing the computer program 42, implements the functions of the modules/units in the above-described device embodiments, such as the functions of the modules 31 to 36 shown in fig. 3.

Illustratively, the computer program 42 may be partitioned into one or more modules/units, which are stored in the memory 41 and executed by the processor 40 to implement the present invention. One or more of the modules/units may be a series of computer program instruction segments capable of performing specific functions that describe the execution of the computer program 42 in the commission calculating device 4. For example, the computer program 42 may be divided into a first reading module, a receiving module, a determining module, a comparing module, an adding module, and a first calculating module 36, each module having the following specific functions:

the first reading module is used for reading the guarantee-release data of the guarantee-release policy, and the guarantee-release data comprises the guarantee-release time.

The receiving module is used for receiving the underwriting insurance policy and reading underwriting data of the underwriting insurance policy.

The determining module is used for determining target guarantee-back data, and the guarantee-back time of the target guarantee-back data is within a preset time period.

The comparison module is used for comparing the first application information in the target insurance data with the second application information in the underwriting data to obtain a comparison result.

And the adding module is used for adding the insurance withdrawing identification to the underwriting policy when the comparison result is matching.

The first calculation module is used for calculating a commission value according to a first preset algorithm, wherein the commission value corresponds to an underwriting policy comprising an underwriting identifier.

The commission calculating device 4 may be a desktop computer, a notebook computer, a palm top computer, a cloud server, or other computing device. It will be appreciated by those skilled in the art that fig. 4 is merely an example of a commission calculating device 4 and does not constitute a limitation of the commission calculating device 4 and may include more or fewer components than shown, or some components in combination, or different components, e.g., the commission calculating device may also include input-output devices, network access devices, buses, etc.

The Processor 40 may be a Central Processing Unit (CPU), other general purpose Processor, a Digital Signal Processor (DSP), an Application Specific Integrated Circuit (ASIC), an off-the-shelf Programmable Gate Array (FPGA) or other Programmable logic device, discrete Gate or transistor logic, discrete hardware components, etc. A general purpose processor may be a microprocessor or the processor may be any conventional processor or the like.

The storage 41 may be an internal storage unit of the commission calculating device 4, such as a hard disk or memory of the commission calculating device 4. The memory 41 may also be an external storage device of the commission calculating device 4, such as a plug-in hard disk provided on the commission calculating device 4, a Smart Media Card (SMC), a Secure Digital (SD) Card, a Flash memory Card (Flash Card), or the like. Further, the memory 41 may also include both an internal storage unit of the commission calculating device 4 and an external storage device. The memory 41 is used to store computer programs and other programs and data required by the device for calculating commissions. The memory 41 may also be used to temporarily store data that has been output or is to be output.

It will be apparent to those skilled in the art that, for convenience and brevity of description, only the above-mentioned division of the functional units and modules is illustrated, and in practical applications, the above-mentioned function distribution may be performed by different functional units and modules according to needs, that is, the internal structure of the apparatus is divided into different functional units or modules to perform all or part of the above-mentioned functions. Each functional unit and module in the embodiments may be integrated in one processing unit, or each unit may exist alone physically, or two or more units are integrated in one unit, and the integrated unit may be implemented in a form of hardware, or in a form of software functional unit. In addition, specific names of the functional units and modules are only for convenience of distinguishing from each other, and are not used for limiting the protection scope of the present application. The specific working processes of the units and modules in the system may refer to the corresponding processes in the foregoing method embodiments, and are not described herein again.

Those of ordinary skill in the art will appreciate that the various illustrative elements and algorithm steps described in connection with the embodiments disclosed herein may be implemented as electronic hardware or combinations of computer software and electronic hardware. Whether such functionality is implemented as hardware or software depends upon the particular application and design constraints imposed on the implementation. Skilled artisans may implement the described functionality in varying ways for each particular application, but such implementation decisions should not be interpreted as causing a departure from the scope of the present invention.

In the embodiments provided in the present invention, it should be understood that the disclosed apparatus and method may be implemented in other ways. For example, the above-described system embodiments are merely illustrative, and for example, the division of the modules or units is only one logical division, and there may be other divisions when actually implemented, for example, a plurality of units or components may be combined or may be integrated into another system, or some features may be omitted, or not executed. In addition, the shown or discussed mutual coupling or direct coupling or communication connection may be an indirect coupling or communication connection through some interfaces, devices or units, and may be in an electrical, mechanical or other form.

The units described as separate parts may or may not be physically separate, and parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the units can be selected according to actual needs to achieve the purpose of the solution of the embodiment.

In addition, functional units in the embodiments of the present invention may be integrated into one processing unit, or each unit may exist alone physically, or two or more units are integrated into one unit. The integrated unit can be realized in a form of hardware, and can also be realized in a form of a software functional unit.

The integrated unit, if implemented in the form of a software functional unit and sold or used as a stand-alone product, may be stored in a computer readable storage medium. Based on such understanding, the technical solutions of the embodiments of the present invention may be implemented in the form of a software product, which is stored in a storage medium and includes several instructions for causing a computer device (which may be a personal computer, a server, a network device, or the like) or a processor (processor) to execute all or part of the steps of the methods described in the embodiments of the present invention. And the aforementioned storage medium includes: a U-disk, a removable hard disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), a magnetic disk or an optical disk, and other various media capable of storing program codes.

The above-mentioned embodiments are only used for illustrating the technical solutions of the present invention, and not for limiting the same; although the present invention has been described in detail with reference to the foregoing embodiments, it will be understood by those of ordinary skill in the art that: the technical solutions described in the foregoing embodiments may still be modified, or some technical features may be equivalently replaced; such modifications and substitutions do not substantially depart from the spirit and scope of the embodiments of the present invention, and are intended to be included within the scope of the present invention.

Claims

1. A method of calculating a commission, comprising:

reading the guarantee-release data of a guarantee-release insurance policy, wherein the guarantee-release data comprises guarantee-release time, and the guarantee-release insurance policy is stored in a special system or a special storage space;

receiving an underwriting policy and reading underwriting data of the underwriting policy, wherein the underwriting policy is stored in a special system or a special storage space;

comparing first application information in the target insurance withdrawal data with second application information in the underwriting data to obtain a comparison result, wherein the first application information and the second application information comprise preset fields;

if the comparison result is matching, adding a refund identifier to the underwriting policy;

calculating a commission value according to a first preset algorithm, the commission value corresponding to the underwriting policy including the rebate identifier;

sending confirmation information to the applicant, inquiring whether the applicant finishes the return visit of the client or not, and checking the return visit content of the client; judging whether receipt information corresponding to the underwriting insurance policy returned by the applicant is received or not, if so, inputting or scanning and identifying the receipt information, and storing the receipt information in a special system or a special storage space;

the comparing of the first application information in the target underwriting data and the second application information in the underwriting data to obtain a comparison result includes: reading first applicant information and first insured life information in the first application information; reading second applicant information and second insured life information in the second application information; if the first applicant information is consistent with the second applicant information and/or the first insured person information is consistent with the second insured person information, determining that the object information is matched; respectively reading a first insurance policy type in the insurance withdrawing data and a second insurance policy type in the underwriting data through an insurance policy type field, and if the first insurance policy type is consistent with the second insurance policy type, determining that the type information is matched; and if the object information is matched and the type information is matched, determining that the comparison result is matched.

2. The method of claim 1, wherein said calculating a commission value according to a first predetermined algorithm comprises:

if the receipt information corresponding to the underwriting insurance policy is not detected, calculating the commission base number of the underwriting insurance policy according to a second preset algorithm;

processing the commission base number according to the first preset algorithm to calculate the commission value.

3. The method of claim 1, further comprising, after said calculating a commission according to a first predetermined algorithm:

reading contract withdrawing data of a contract withdrawing policy, wherein the contract withdrawing data comprises contract withdrawing months and underwriting months;

if the underwriting month and the withdrawing month are not the same month, acquiring an original commission value of the underwriting month;

calculating a deduction commission value of the withdrawing insurance policy in the underwriting month according to the first preset algorithm;

calculating an updated commission value for the underwriting month based on the original commission value and the deduction commission value;

calculating an updated training allowance value of the underwriting month according to the updated commission value;

acquiring an original training allowance value of the underwriting month;

and updating the commission value of the withdrawn month according to the difference value between the updated training allowance value and the original training allowance value.

4. The method of claim 3, further comprising, after said updating the commission value for the evacuation month according to the difference between the updated training allowance value and the original training allowance value:

within a preset time length, calculating the refund rate according to the number of the refund insurance policies;

calculating the contract withdrawing rate according to the number of the contract withdrawing insurance policies;

calculating performance according to the insurance returning rate and the bond withdrawing rate;

adjusting the updated training allowance according to the performance.

5. A computer-readable storage medium, in which a program for calculating a commission is stored, wherein the program for calculating a commission is executed by at least one processor and implements the steps of the method for calculating a commission according to any one of claims 1-4.

6. A commission calculation device comprising a memory, a processor, and a commission calculation program stored in said memory and executable on said processor, said processor executing said commission calculation program to perform the steps of:

7. The commission calculation device of claim 6 wherein the commission value calculation step according to the first predetermined algorithm comprises:

8. The commission calculation device of claim 6 further comprising, after said step of calculating a commission according to a first predetermined algorithm:

acquiring an original training allowance value of the underwriting month;

9. The apparatus for calculating a commission according to claim 8 further comprising, after the step of updating the commission value for the evacuation month according to the difference between the updated training allowance value and the original training allowance value:

adjusting the updated training allowance according to the performance.