CN107909485B - Method and device for generating discount data based on no claim and computer readable medium - Google Patents
Method and device for generating discount data based on no claim and computer readable medium Download PDFInfo
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Abstract
The invention discloses a method and a device for generating discount data based on no claim, relates to the technical field of data processing, and mainly aims to solve the problems that calculation of discount renewal insurance premium for an indemnity insured person consumes a large amount of labor cost due to the fact that the number of insurable customers is too large, meanwhile, the probability of calculation errors is increased, calculation efficiency of the discount data is low, and renewal condition of customers is affected. The main technical scheme comprises: acquiring the policy information and the to-be-participated years of the policy of the insured person, wherein the policy information comprises the insurable product of the indemnity-free insured person and the standard premium of the insurable product; and generating discount data according to the order distribution information, the to-be-participated insurance year and a discount insurance fee calculation strategy. The method is mainly used for generating the benefit data based on the non-claims. The method is mainly used for generating the benefit data based on the non-claims.
Description
Technical Field
The invention relates to the technical field of data processing, in particular to a method and a device for generating discount data based on no claim.
Background
The no-claim benefit means that the insured person does not generate a claim case in one or more previous guarantee years, and can enjoy the premium discount in the next year according to the number of the no-claim years, so that the no-claim customer can continue to pay the premium according to the premium discount provided by the insurance company.
At present, the discount of the conventional no-claim preferential insurance fee and the fee to be paid for the annual continuous insurance need to be calculated manually, but the number of the insurable clients is too large, so that a large amount of labor cost is consumed for calculating the preferential continuous insurance fee of the no-claim insured, meanwhile, the probability of calculation errors is increased, the calculation efficiency of preferential data is low, and the continuous insurance condition of the clients is influenced.
Disclosure of Invention
In view of the above, the present invention provides a method and an apparatus for generating benefit data based on no claim, and mainly aims to solve the problems that in the prior art, due to an excessively large number of insured customers, calculation of benefit renewal premium for an indemnessor consumes a large amount of labor cost, and meanwhile, the probability of calculation errors is increased, so that the calculation efficiency of the benefit data is low, and the renewal condition of the customers is affected.
According to one aspect of the invention, a method for generating benefit data based on no claim is provided, which comprises the following steps:
acquiring the policy information and the to-be-participated years of the policy of the insured person, wherein the policy information comprises the insurable product of the indemnity-free insured person and the standard premium of the insurable product;
and generating discount data according to the order distribution information, the to-be-participated insurance year and a discount insurance fee calculation strategy.
Further, before the acquiring the policy information of the policy of the insured person and the years to participate in the insurance, the method further comprises the following steps:
updating the policy information, wherein the policy information comprises the settlement condition of the policy information of different insureds, the insurable product and the standard premium of the insurable product;
the acquiring of the policy information of the policy of the insured person and the to-be-participated security year comprises the following steps:
and when the claim condition in the policy information of the insured person is judged to be no claim, extracting the insurable product corresponding to the indemnity insured person and the standard premium of the insurable product from the policy information, and receiving the input to-be-insured years.
Further, the generating of the offer data according to the policy information, the to-be-participated security year and the offer premium calculation policy includes:
determining the insurable product, the standard premium and the to-be-referred insurance year as calculation parameters of a preferential premium calculation formula;
generating discount data by operating the discount premium calculation formula;
wherein the operating the preferential premium calculation formula is:
n is the year of the insurance to be participated, A is the standard premium, i is the variable, C is the parameter of the insurable product, a1And a2Is a preset discount parameter.
Further, before generating the offer data by executing the offer premium calculation formula, the method further includes:
and if the main risk attaching sequence number is detected in the order separating information, adjusting the discount parameters in the preferential premium calculation formula according to a preset main risk attaching corresponding relation, wherein the preset main risk attaching corresponding relation is the corresponding relation between different main risks and different discount parameters.
Further, the method further comprises:
receiving policy information firstly input by different policemen, and storing the policy information, the main risk attaching serial number and the insurancing year in the policy information into a test database according to a Loop Loop instruction so as to update the policy information of different users when a claim settlement condition occurs.
According to an aspect of the present invention, there is provided an apparatus for generating claim-free offer data, including:
the system comprises an acquisition unit, a processing unit and a processing unit, wherein the acquisition unit is used for acquiring the policy information and the years to be participated of the policy of the insured person, and the policy information comprises the insurable product of the indemnificant without settlement and the standard premium of the insurable product;
and the generating unit is used for generating discount data according to the order distribution information, the to-be-participated security year and a discount premium calculation strategy.
Further, the apparatus further comprises: an updating unit for updating the data of the data packet,
the updating unit is used for updating the policy information, and the policy information comprises the settlement conditions of the policy information of different insureds, the insurable products and the standard premium of the insurable products;
the obtaining unit is specifically configured to, when it is determined that the claim settlement condition in the policy information of the insured person is an unscrupulous claim, extract an insured product corresponding to the unscrupulous insured person and a standard premium of the insured product from the policy information, and receive the input years to be insured.
Further, the generation unit includes:
the determining module is used for determining the insurable product, the standard premium and the to-be-participated insurance year as calculation parameters of a preferential premium calculation formula;
the generation module is used for generating discount data by operating the discount premium calculation formula;
wherein the operating the preferential premium calculation formula is:
n is the year of the insurance to be participated, A is the standard premium, i is the variable, C is the parameter of the insurable product, a1And a2Is a preset discount parameter.
Further, the apparatus further comprises:
and the adjusting module is used for adjusting the discount parameters in the discount premium calculation formula according to a preset main risk corresponding relationship if a main risk serial number is detected in the order distribution information, wherein the preset main risk corresponding relationship is a corresponding relationship between different main risks and different discount parameters.
Further, the apparatus further comprises:
and the storage unit is used for receiving the policy information input by different policemen for the first time, and storing the policy information, the main risk attaching serial number and the underwriting year in the policy information into a test database according to a Loop cycle instruction so as to update the policy information of different users when a claim settlement condition occurs.
According to still another aspect of the present invention, a storage medium is provided, and the storage medium stores at least one executable instruction, which causes a processor to perform operations corresponding to the method for generating claims-free offer data as described above.
According to still another aspect of the present invention, there is provided a server including: the system comprises a processor, a memory, a communication interface and a communication bus, wherein the processor, the memory and the communication interface complete mutual communication through the communication bus;
the memory is used for storing at least one executable instruction, and the executable instruction enables the processor to execute the operation corresponding to the generating method of the claim-free preference data.
By the technical scheme, the technical scheme provided by the embodiment of the invention at least has the following advantages:
the invention provides a method and a device for generating discount data based on no claim, which are characterized by firstly obtaining the policy information of the policy of an insured person and the years to be insured, wherein the policy information comprises the insurable products of the indemnificated insured person and the standard premium of the insurable products, and then generating the discount data according to the policy information, the years to be insured and the discount premium. Compared with the prior art that the insurable persons consume a large amount of labor cost for calculating preferential renewal premium due to the fact that the number of insurable clients is too large, the probability of calculation errors is increased, calculation efficiency of preferential data is low, and renewal of the clients is affected, the embodiment of the invention automatically generates preferential premium data by acquiring policy information of the insured persons and the years of the insured persons to be participated, reduces manual operation, avoids labor cost consumption during calculation of a large amount of preferential premiums, and realizes automatic generation of the preferential premiums, so that generation efficiency of the preferential data is improved.
The foregoing description is only an overview of the technical solutions of the present invention, and the embodiments of the present invention are described below in order to make the technical means of the present invention more clearly understood and to make the above and other objects, features, and advantages of the present invention more clearly understandable.
Drawings
Various other advantages and benefits will become apparent to those of ordinary skill in the art upon reading the following detailed description of the preferred embodiments. The drawings are only for purposes of illustrating the preferred embodiments and are not to be construed as limiting the invention. Also, like reference numerals are used to refer to like parts throughout the drawings. In the drawings:
fig. 1 is a flowchart illustrating a method for generating claim-free offer data according to an embodiment of the present invention;
fig. 2 is a flowchart illustrating another method for generating claim-free offer data according to an embodiment of the present invention;
fig. 3 is a block diagram of an apparatus for generating claim-free offer data according to an embodiment of the present invention;
fig. 4 is a block diagram of another apparatus for generating claims-free offer data according to an embodiment of the present invention;
fig. 5 is a schematic diagram of a server according to an embodiment of the present invention.
Detailed Description
Exemplary embodiments of the present disclosure will be described in more detail below with reference to the accompanying drawings. While exemplary embodiments of the present disclosure are shown in the drawings, it should be understood that the present disclosure may be embodied in various forms and should not be limited to the embodiments set forth herein. Rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the scope of the disclosure to those skilled in the art.
The embodiment of the invention provides a method for generating discount data based on no claim, which comprises the following steps of:
101. acquiring the policy information of the policy of the insured person and the years to be participated in the policy.
The policy information includes an insurance product of an unscheduled insured person and a standard premium of the insurance product, the insurance product of the insured person and the standard premium of the insurance product are both stored in the policy information of the insured person, the insured person is an insured person who is a person who has a request right for insurance after an insurance accident occurs according to insurance contract, and the policy information stores insurance information of the insured person, specifically includes the insurance product, the standard premium of the insurance product, the effective time, the expiration time, the insurance acceptance time, the application time and the like of the insured person. The non-claims are the events that no claim is found during the period of the insured life, and are generally recorded in the claim records in the policy information, and if no claim records exist, no claim is declared. The to-be-referred years are referred to as to-be-paid years input through the terminal device, and can be 3 years or 5 years, and the embodiment of the invention is not particularly limited.
It should be noted that, when the client carries out the insurance application, the insurance applicant is the person who delivers the insurance fee, the insurance applicant and the insured person may or may not be the same person, one insurance applicant can carry out the insurance application for a plurality of persons, that is, when a client applies insurance, an application client generates an insurance policy corresponding to an insurance policy number, the insurance policy comprises information of application of all insured persons by the application person, each insured person generates a branch order, corresponding to a policy number, for example, in a policy, the policy is applied in units of families, a family purchases the policy, the policy number is 1, a policy is applied to himself, his wife and his children, a policy number is generated as 0001025, the policy number applied to himself can be 0001025-01, the policy number applied to his wife can be 0001025-02, the policy number applied to his children can be 0001025-03, and each policy corresponding to the policy has a product applied to the policy by each insured person. For the embodiment of the invention, before the calculation of the claim-free preferential insurance cost, whether the insured person has a claim settlement event needs to be confirmed, the policy information of the insured person can be manually searched for checking, the script code can be written to inquire whether the claim settlement record in the policy information is null, and if the policy record is null, the claim-free result is returned.
102. And generating discount data according to the order distribution information, the to-be-participated insurance year and a discount insurance fee calculation strategy.
The preferential insurance premium calculation strategy may be a discount relation corresponding to the to-be-referred insurance year in the insurance information, or may be a specific preferential insurance premium calculation formula, and the embodiment of the present invention is not particularly limited. For example, the preferential premium calculation strategy may be set according to a preset discount ratio between an insurance product and an annual service life, a product parameter H703 corresponding to the insurance product is set, the input annual service life is received as 3 years, and according to the set discount ratio, the first year is continuously reserved for 9 times, the second year is continuously reserved for 8 times, and the third year is continuously reserved for 7 times, generally, the greater the annual service life is, the greater the discount is, and the embodiment of the present invention is not particularly limited.
It should be noted that, because the insurance products of the insurance companies are in a large number and have similar product names, such as severe insurance and disease insurance, although the diseases to be settled are different, the product names are similar, and for distinguishing, corresponding insurance product parameters are configured for each insurance product, so that when the script program is written, matching search is directly performed in a data form. In addition, the preferential insurance premium calculation strategy can configure different discounts according to different insurance products, different standard insurance premiums and different insurance year references, and the corresponding relation of the discounts can write corresponding query logic codes in the system background through script codes, so that when the insurance workers calculate the preferential insurance, the information of the insured person and the insurance year to be referred can be directly input through a terminal, the current method can be directly operated in the system of the terminal, and the method for generating the preferential data based on the unscheduled insurance premium in the embodiment is directly executed to realize the calculation of the preferential insurance premium. Generally, the method for generating the claim-free offer data according to the embodiment of the present invention may be embedded into any insurance data processing system, so as to implement premium calculation as a function in the system.
Compared with the prior art that the number of insurance clients is too large, the method for generating the benefit data based on the unscheduled claims consumes a large amount of labor cost for calculating the benefit renewal premium of the unscheduled insured persons, increases the probability of calculation errors, causes lower calculation efficiency of the benefit data, and affects the renewal condition of the clients, the embodiment of the invention automatically generates the benefit premium data by acquiring the policy information of the insured persons and the years to be participated in and combining the calculation strategy of the benefit premium, reduces manual operation, avoids the labor cost consumed when calculating a large amount of benefit premiums, and realizes the automatic generation of the benefit premium, thereby improving the generation efficiency of the benefit data.
The embodiment of the invention provides another method for generating offer data based on no claim, as shown in fig. 2, the method includes:
201. receiving policy information firstly input by different policemen, and storing the branch policy information, the main risk attaching serial number and the underwriting years in the policy information into a test database according to a Loop Loop instruction.
In order to facilitate the determination of whether the insured life has the claim event during the underwriting period, the order information of different users is updated when the claim condition occurs. The insurance policy information input for the first time is generally insurance application information generated when an applicant applies insurance, and comprises policy information, main insurance attaching serial numbers and insurance underwriting years of different insureds. The main risk sequence number and the risk sequence number, the risk is an additional risk which can be effective only under the condition that the main risk is established, and if the main risk exists in the policy, the corresponding main risk sequence number is generated.
It should be noted that, in order to distinguish specific order information in policy information generated by different policemen and calculate a large amount of preferential premium, a test data table is generated by taking a policy as a unit according to a Loop instruction mode, as shown in table 1, if the preferential premium is made in a batch mode, data can be directly extracted from the table when the data is called, and then parameters do not need to be input. For example, the main risk attached sequence number can be found out from the policy information corresponding to the policy division number, and the executed data and the executed step pair of the premium calculation are executed circularly through Loop, the executed mark is returned, and the executed mark is updated to the test data table, and the program is exited until all the data are executed, so that the generation of the batch premium is realized.
Table 1(no _ close _ test _ data),
202. and updating the policy information.
Wherein, the policy information comprises the settlement condition of the policy information of different insured persons, the insurable product and the standard premium of the insurable product. In order to ensure that the information of the insured life is up to date when calculating the preferential insurance, the policy information of different insured lives is required to update the standard insurance cost of the claim settlement condition, the insured product and the insured product. Generally, the update time may be updated when the policy applicant continues to take time, or may be data updated when the claim settlement condition occurs to the insured person, and the embodiment of the present invention is not particularly limited.
203. And when the claim condition in the policy information of the insured person is judged to be no claim, extracting the insurable product corresponding to the indemnity insured person and the standard premium of the insurable product from the policy information, and receiving the input to-be-insured years.
For the embodiment of the present invention, in order to ensure that the calculated preferential insurance premium is the preferential insurance premium to be paid by the non-claimable insured person, and avoid errors caused by human inquiry, data inquiry and judgment need to be performed in advance on the claim settlement condition of the insured person, generally, after the insured person has a claim settlement event, a worker needs to update the claim settlement record in the insured person policy information, so as to record the claim settlement condition, for example, the claim settlement time, the amount of the claims for products to be paid and protected and the like are recorded in the claim settlement condition, the corresponding relationship stored in the system database can be inquired in the form of a data list, for example, whether the claim settlement occurs or not is judged by detecting whether the corresponding content in the claim settlement condition is empty, if the claim condition corresponds to empty specification and no claim occurs, the parameters of products to be paid and the standard insurance premium for products to be paid and protected corresponding to the non-claimable users can be extracted from the policy information in step 203, and receiving the input years to be participated in.
The input to-be-referred year is generally determined by the applicant, or may be input by an insurance worker operating at an operating terminal.
204. And determining the insurable product, the standard premium and the to-be-referred insurance year as calculation parameters of a preferential premium calculation formula.
The preferential premium calculation formula is a formula code written in advance through a computer program, and a specific writing language is not specifically limited so as to be suitable for different application systems. The premium calculation formula comprises an insurance product, a standard premium, a to-be-referred insurance year, a discount parameter and a corresponding relation, so that the preferential premium is directly calculated when a preferential premium calculation formula code is operated. The preferential premium calculation formula comprises the years to be referred to, standard premium, variable, insurance product parameters and preset discount parameters.
It should be noted that, in order to use different insurance products as parameters in the preferential premium calculation formula, the names of the insurance products need to be corresponding to different insurance product parameters, and the insurance company determines the parameters corresponding to different insurance products. Generally, after obtaining an insurance product, a pre-configured insurance product parameter needs to be queried from a database, and as one wishes, the insurance product parameter corresponding to an adventure may be 1.3.
205. And if the main risk attaching sequence number is detected in the order separating information, adjusting the discount parameter in the preferential premium calculation formula according to a preset main risk attaching corresponding relation.
The preset main risk correspondence relationship is a correspondence relationship between different main risk and different discount parameters. In order to establish more favorable continuous insurance premium for users who apply various products, whether the users apply major insurance before calculating the preferential insurance premium needs to be judged, namely whether the records in the major insurance are empty is judged, if the records are empty, the major insurance does not exist, the main insurance can be calculated according to preset discount parameters, if the major insurance exists, corresponding discount parameters can be searched from preset major insurance corresponding relations by major insurance serial numbers in the order dividing information, the adjustment is carried out according to the searched discount parameters, the preset major insurance corresponding relations are compiled by technicians through scripts and stored in a background database, and the discount parameters are not specifically limited in the embodiment of the invention. For example, if the primary risk serial number is detected in the order information, the corresponding discount parameter 1.56 is found according to the primary risk serial number 1003-.
206. And generating the preferential data by operating the preferential premium calculation formula.
In order to accurately calculate the amount of the preferential insurance premium, the calculated preferential data are reduced year by year according to the increase of the insurance year, a more accurate scheme is provided for the applicant, and manual calculation is not needed. The operating the preferential insurance fee calculation formula is as follows:n is the year of the insurance to be participated, A is the standard premium, i is the variable, C is the parameter of the insurable product, generally set between 0.6 and 1, a1And a2Is a preset discount parameter. For example, year of reference is 1, A is 2600, i is 1, C is 0.9, a1Is 100, a20.5, the calculated M is 2300.
For the embodiment of the present invention, the discount parameter a1To be adjustedThe adjustment of the discount parameter may be determined according to whether the main insurance serial number exists or not, and may also be configured according to whether the insured is a VIP client or not, and if the insured is a VIP client, the technical staff may input a change instruction through the verified identity before generating the preferential premium, which is not specifically limited in the embodiment of the present invention. Exemplary, a1When not adjusted, configured as 100, discount parameter a2To fix the discount parameter, the optimal configuration is 0.5 in order to determine the stability of the formula.
The embodiment of the invention takes the insurable products, standard insurance premiums and the years to be insured of the insurant without the indemnity events as parameters in an insurable premium calculation formula, selects proper discount parameters, automatically generates the insurable premium data by operating the insurable premium calculation formula, does not need manual calculation, avoids the consumption of labor cost when calculating a large amount of premium, realizes the automatic generation of the premium, updates the insurable data of the insurable person in time, realizes the judgment of the indemnity condition of the insurable person without manually detecting the occurrence of the indemnity events, simplifies the calculation steps of the indemnity premium data, saves manual processes and improves the generation efficiency of the premium data.
Further, as an implementation of the method shown in fig. 1, an embodiment of the present invention provides an apparatus for generating offer data based on claims, as shown in fig. 3, where the apparatus includes: an acquisition unit 31 and a generation unit 32.
The acquiring unit 31 is used for acquiring the policy information of the policy of the insured person and the years to be participated in the insurance, wherein the policy information comprises the insurable product of the indemnificant without claim and the standard premium of the insurable product; the acquiring unit 31 is a functional module for executing the acquiring of the policy information of the policy of the insured person and the years to be participated in the policy based on the generating device of the claim-free discount data.
And the generating unit 32 is used for generating discount data according to the order information, the to-be-participated security year and a discount premium calculation strategy. The generating unit 32 is a function module for executing, by a generating device based on claim-free offer data, the generation of offer data according to the policy information, the years to be referred to for insurance and an offer premium calculation policy.
Compared with the prior art that the number of insurance clients is too large, the generation device for generating the claim-free benefit data consumes a large amount of labor cost for calculating the benefit renewal premium of the claim-free insured, increases the probability of calculation errors, causes lower calculation efficiency of the benefit data, and affects the renewal condition of the clients, the embodiment of the invention automatically generates the benefit premium data by acquiring the policy information of the insured and the years to be participated in, combining the benefit premium calculation strategy, reduces manual operation, avoids the labor cost consumed when calculating a large amount of benefit premiums, and realizes the automatic generation of the benefit premium, thereby improving the generation efficiency of the benefit data.
Further, as an implementation of the method shown in fig. 2, an embodiment of the present invention provides another apparatus for generating offer data based on claims-free, as shown in fig. 4, where the apparatus includes: acquisition section 41, generation section 42, update section 43, and storage section 44.
The acquiring unit 41 is used for acquiring the policy information and the years to be participated of the policy of the insured person, wherein the policy information comprises the insurable product of the indemnificant without claim and the standard premium of the insurable product;
and the generating unit 42 is used for generating discount data according to the order information, the to-be-participated security year and a discount premium calculation strategy.
Further, the apparatus further comprises: the updating unit (43) is provided with a memory,
the updating unit 43 is configured to update the policy information, where the policy information includes a claim settlement condition of the policy information of different insureds, an insured product, and a standard premium of the insured product;
the obtaining unit 41 is specifically configured to, when it is determined that the claim condition in the policy information of the insured person is an unscheduled claim, extract an insured product corresponding to the unscheduled insured person and a standard premium of the insured product from the policy information, and receive the input years to be insured.
Specifically, the generating unit 42 includes:
a determining module 4201, configured to determine the insurance product, the standard premium and the to-be-referred insurance year as calculation parameters of a preferential premium calculation formula;
a generating module 4202, configured to generate offer data by running the offer premium calculation formula;
wherein the operating the preferential premium calculation formula is:
n is the year of the insurance to be participated, A is the standard premium, i is the variable, C is the parameter of the insurable product, a1And a2Is a preset discount parameter.
Specifically, the generating unit 42 further includes:
an adjusting module 4203, configured to adjust, if a main risk serial number is detected in the billing information, a discount parameter in the premium calculation formula according to a preset main risk correspondence relationship, where the preset main risk correspondence relationship is a correspondence relationship between different main risks and different discount parameters.
Further, the apparatus further comprises:
and the storage unit 44 is used for receiving the policy information input by different policemen for the first time, and storing the policy information, the main risk attaching serial number and the underwriting year in the policy information into the test database according to a Loop circulation instruction so as to update the policy information of different users when a claim settlement condition occurs.
The invention provides another device for generating benefit data based on no claim, the embodiment of the invention takes the insurable products, standard insurance premium and the to-be-referred insurance year of the insured person without the claim event as parameters in the benefit insurance premium calculation formula, selects proper discount parameters, automatically generates the benefit insurance premium data by operating the benefit insurance premium calculation formula, does not need manual calculation, avoids the consumption of labor cost when calculating a large amount of benefit insurance premiums, realizes the automatic generation of the benefit insurance premiums, updates the insurable data of the insured person in time, realizes the judgment of the claim condition of the insured person without manually detecting the occurrence of the claim event, simplifies the calculation steps of the benefit data without the claim, saves manual process, and improves the generation efficiency of the benefit data.
Based on the method shown in fig. 1, correspondingly, an embodiment of the present invention further provides a computer-readable storage medium, on which a computer program is stored, where the computer program, when executed by a processor, implements the following steps: acquiring the policy information and the to-be-participated years of the policy of the insured person, wherein the policy information comprises the insurable product of the indemnity-free insured person and the standard premium of the insurable product; and generating discount data according to the order distribution information, the to-be-participated insurance year and a discount insurance fee calculation strategy.
Based on the above embodiments of the method shown in fig. 1 and the apparatus shown in fig. 3, as shown in fig. 5, a schematic structural diagram of a server provided in an embodiment of the present invention is not limited to a specific implementation of a terminal in the specific embodiment of the present invention.
As shown in fig. 5, the server may include: a processor (processor)51, a communication Interface (Communications Interface)52, a memory (memory)53, and a communication bus 54. Wherein: the processor 51, the communication interface 52, and the memory 53 communicate with each other via a communication bus 54. A communication interface 54 for communicating with network elements of other devices, such as clients or other servers. The processor 51 is configured to execute a program, and may specifically execute relevant steps in the above data conversion method embodiment. In particular, the program may include program code comprising computer operating instructions. The processor 51 may be a central processing unit CPU or an application specific Integrated circuit asic or one or more Integrated circuits configured to implement an embodiment of the invention.
The terminal comprises one or more processors, which can be the same type of processor, such as one or more CPUs; or may be different types of processors such as one or more CPUs and one or more ASICs. And a memory 53 for storing programs. The memory 53 may comprise high-speed RAM memory, and may also include non-volatile memory (non-volatile memory), such as at least one disk memory. The program may specifically be adapted to cause the processor 51 to perform the following operations: acquiring the policy information and the to-be-participated years of the policy of the insured person, wherein the policy information comprises the insurable product of the indemnity-free insured person and the standard premium of the insurable product; and generating discount data according to the order distribution information, the to-be-participated insurance year and a discount insurance fee calculation strategy.
The algorithms and displays presented herein are not inherently related to any particular computer, virtual machine, or other apparatus. Various general purpose systems may also be used with the teachings herein. The required structure for constructing such a system will be apparent from the description above. Moreover, the present invention is not directed to any particular programming language. It is appreciated that a variety of programming languages may be used to implement the teachings of the present invention as described herein, and any descriptions of specific languages are provided above to disclose the best mode of the invention.
In the description provided herein, numerous specific details are set forth. It is understood, however, that embodiments of the invention may be practiced without these specific details. In some instances, well-known methods, structures and techniques have not been shown in detail in order not to obscure an understanding of this description.
Similarly, it should be appreciated that in the foregoing description of exemplary embodiments of the invention, various features of the invention are sometimes grouped together in a single embodiment, figure, or description thereof for the purpose of streamlining the disclosure and aiding in the understanding of one or more of the various inventive aspects. However, the disclosed method should not be interpreted as reflecting an intention that: that the invention as claimed requires more features than are expressly recited in each claim. Rather, as the following claims reflect, inventive aspects lie in less than all features of a single foregoing disclosed embodiment. Thus, the claims following the detailed description are hereby expressly incorporated into this detailed description, with each claim standing on its own as a separate embodiment of this invention.
Those skilled in the art will appreciate that the modules in the device in an embodiment may be adaptively changed and disposed in one or more devices different from the embodiment. The modules or units or components of the embodiments may be combined into one module or unit or component, and furthermore they may be divided into a plurality of sub-modules or sub-units or sub-components. All of the features disclosed in this specification (including any accompanying claims, abstract and drawings), and all of the processes or elements of any method or apparatus so disclosed, may be combined in any combination, except combinations where at least some of such features and/or processes or elements are mutually exclusive. Each feature disclosed in this specification (including any accompanying claims, abstract and drawings) may be replaced by alternative features serving the same, equivalent or similar purpose, unless expressly stated otherwise.
Furthermore, those skilled in the art will appreciate that while some embodiments described herein include some features included in other embodiments, rather than other features, combinations of features of different embodiments are meant to be within the scope of the invention and form different embodiments. For example, in the following claims, any of the claimed embodiments may be used in any combination.
The various component embodiments of the invention may be implemented in hardware, or in software modules running on one or more processors, or in a combination thereof. Those skilled in the art will appreciate that a microprocessor or Digital Signal Processor (DSP) may be used in practice to implement some or all of the functions of some or all of the components of the method and apparatus for generating claim-free offer data according to embodiments of the present invention. The present invention may also be embodied as apparatus or device programs (e.g., computer programs and computer program products) for performing a portion or all of the methods described herein. Such programs implementing the present invention may be stored on computer-readable media or may be in the form of one or more signals. Such a signal may be downloaded from an internet website or provided on a carrier signal or in any other form.
It should be noted that the above-mentioned embodiments illustrate rather than limit the invention, and that those skilled in the art will be able to design alternative embodiments without departing from the scope of the appended claims. In the claims, any reference signs placed between parentheses shall not be construed as limiting the claim. The word "comprising" does not exclude the presence of elements or steps not listed in a claim. The word "a" or "an" preceding an element does not exclude the presence of a plurality of such elements. The invention may be implemented by means of hardware comprising several distinct elements, and by means of a suitably programmed computer. In the unit claims enumerating several means, several of these means may be embodied by one and the same item of hardware. The usage of the words first, second and third, etcetera do not indicate any ordering. These words may be interpreted as names.
Claims (6)
1. A method for generating claim-free offer data is characterized by comprising the following steps:
acquiring the policy information and the to-be-participated years of the policy of the insured person, wherein the policy information comprises the insurable product of the indemnity-free insured person and the standard premium of the insurable product;
generating discount data according to the order distribution information, the to-be-participated insurance year and a discount insurance fee calculation strategy;
wherein, before the acquiring the order information of the insured life policy and the to-be-participated years, the method further comprises the following steps:
updating policy information, wherein the policy information comprises the settlement conditions of the policy information of different insureds, the insurable products and the standard premium of the insurable products;
the acquiring of the policy information of the policy of the insured person and the to-be-participated security year comprises the following steps:
when the claim condition in the policy information of the insured person is judged to be no claim, extracting the insurable product corresponding to the indemnity insured person and the standard premium of the insurable product from the policy information, and receiving the input to-be-participated insurance year;
the generating of the discount data according to the order distribution information, the to-be-participated insurance year and the discount premium calculation strategy comprises the following steps:
determining the insurable product, the standard premium and the to-be-referred insurance year as calculation parameters of a preferential premium calculation formula;
generating discount data by operating the discount premium calculation formula;
wherein the operating the preferential premium calculation formula is:n is the year of the insurance to be participated, A is the standard premium, i is the variable, C is the parameter of the insurable product, a1And a2Is a preset discount parameter.
2. The method of claim 1, wherein prior to generating offer data by executing the offer premium calculation formula, the method further comprises:
and if the main risk attaching sequence number is detected in the order separating information, adjusting the discount parameters in the preferential premium calculation formula according to a preset main risk attaching corresponding relation, wherein the preset main risk attaching corresponding relation is the corresponding relation between different main risks and different discount parameters.
3. The method according to any one of claims 1-2, further comprising:
receiving policy information firstly input by different policemen, and storing the policy information, the main risk attaching serial number and the insurancing year in the policy information into a test database according to a Loop Loop instruction so as to update the policy information of different users when a claim settlement condition occurs.
4. An apparatus for generating claim-free offer data, comprising:
the system comprises an acquisition unit, a processing unit and a processing unit, wherein the acquisition unit is used for acquiring the policy information and the years to be participated of the policy of the insured person, and the policy information comprises the insurable product of the indemnificant without settlement and the standard premium of the insurable product;
the generating unit is used for generating discount data according to the order distribution information, the to-be-participated security year and a discount premium calculation strategy;
wherein the apparatus further comprises: an updating unit for updating the data of the data packet,
the updating unit is used for updating policy information, and the policy information comprises the settlement conditions of the policy information of different insured persons, the insurable products and the standard premium of the insurable products;
the acquiring unit is specifically configured to, when it is determined that the claim settlement condition in the policy information of the insured person is no claim, extract an insured product corresponding to the indemnity-free insured person and a standard premium of the insured product from the policy information, and receive the input years to be insured;
the generation unit includes:
the determining module is used for determining the insurable product, the standard premium and the to-be-participated insurance year as calculation parameters of a preferential premium calculation formula;
the generation module is used for generating discount data by operating the discount premium calculation formula;
wherein the operating the preferential premium calculation formula is:
n is the year of the insurance to be participated, A is the standard premium, i is the variable, C is the parameter of the insurable product, a1And a2Is a preset discount parameter.
5. A computer readable medium having one or more computer programs stored therein, the computer programs being executable by a processor to perform operations corresponding to the method of generating claim-free offer data of any of claims 1-3.
6. A server, comprising: the system comprises a processor, a memory, a communication interface and a communication bus, wherein the processor, the memory and the communication interface complete mutual communication through the communication bus;
the memory is used for storing one or more computer programs which can be executed by the processor to realize the corresponding operation of the method for generating the claim-free offer data according to any one of claims 1 to 3.
Priority Applications (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710990287.0A CN107909485B (en) | 2017-10-20 | 2017-10-20 | Method and device for generating discount data based on no claim and computer readable medium |
| PCT/CN2018/076382 WO2019075972A1 (en) | 2017-10-20 | 2018-02-12 | Method and apparatus for generating no claims based discount data |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
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| CN201710990287.0A CN107909485B (en) | 2017-10-20 | 2017-10-20 | Method and device for generating discount data based on no claim and computer readable medium |
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| CN107909485A CN107909485A (en) | 2018-04-13 |
| CN107909485B true CN107909485B (en) | 2020-02-14 |
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| WO (1) | WO2019075972A1 (en) |
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| CN108921374B (en) * | 2018-05-16 | 2022-07-12 | 中国平安人寿保险股份有限公司 | Policy distribution method, device and apparatus and computer readable storage medium |
| CN109711857A (en) * | 2018-08-20 | 2019-05-03 | 中国平安人寿保险股份有限公司 | The preferential amount calculation method of premium, unit and readable storage medium storing program for executing |
| CN109857791B (en) * | 2018-11-20 | 2023-12-08 | 成都材智科技有限公司 | Data batch processing method and device |
| CN110390600B (en) * | 2019-06-17 | 2024-04-12 | 平安科技（深圳）有限公司 | Form batch generation method, device, medium and computer equipment |
| CN115829764B (en) * | 2023-02-09 | 2023-06-16 | 杭州大鱼网络科技有限公司 | ETC high-speed passing insurance method, system, equipment and medium |
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| KR20110049433A (en) * | 2009-11-05 | 2011-05-12 | (주)오토앤인스 | Commission adjustment system and method for using adjustment type and adjustment pattern |
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| CN105405052A (en) * | 2014-09-12 | 2016-03-16 | 易保网络技术(上海)有限公司 | Method and system for calculating insurance-related cost of insurance product |
| CN106447496A (en) * | 2015-08-06 | 2017-02-22 | 平安科技（深圳）有限公司 | Car insurance policy automatic generating method, car, electronic equipment and insurance server |
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| CN107909485A (en) | 2018-04-13 |
| WO2019075972A1 (en) | 2019-04-25 |
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