CN107945030A - Collocation method, device, computer equipment and the storage medium of premium formula - Google Patents

Collocation method, device, computer equipment and the storage medium of premium formula Download PDF

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Publication number
CN107945030A
CN107945030A CN201711295815.7A CN201711295815A CN107945030A CN 107945030 A CN107945030 A CN 107945030A CN 201711295815 A CN201711295815 A CN 201711295815A CN 107945030 A CN107945030 A CN 107945030A
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China
Prior art keywords
premium
formula
insurance
component
subclass
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CN201711295815.7A
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Chinese (zh)
Inventor
陈真
杨丹丹
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Ping An Property and Casualty Insurance Company of China Ltd
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Ping An Property and Casualty Insurance Company of China Ltd
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Application filed by Ping An Property and Casualty Insurance Company of China Ltd filed Critical Ping An Property and Casualty Insurance Company of China Ltd
Priority to CN201711295815.7A priority Critical patent/CN107945030A/en
Publication of CN107945030A publication Critical patent/CN107945030A/en
Pending legal-status Critical Current

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/08—Insurance

Abstract

This application involves a kind of collocation method, device, computer equipment and the storage medium of premium formula, this method includes：The formula configuring request that configurating terminal is sent is received, multiple premium influence factors are obtained according to formula configuring request；Premium influence factor is associated with corresponding calculation formula；Utilize multiple premium influence factors generation formula configuration page；Formula configuration page face includes list of factors；The formula configuration page is sent to configurating terminal, configurating terminal obtains the selected operation of one or more premium influence factors and the input operation of operator in list of factors, and the operator using input and the generation formula description of chosen premium influence factor；The formula description that configurating terminal is sent is received, the premium influence factor being selected in being described according to formula is obtained corresponding calculation formula, spliced multiple calculation formula using operator, generates premium formula.Premium formula allocative efficiency can be improved using this method.

Description

Collocation method, device, computer equipment and the storage medium of premium formula
Technical field
This application involves field of computer technology, more particularly to a kind of collocation method, device, the computer of premium formula Equipment and storage medium.
Background technology
Premium is also referred to as insurance premium, is the artificial guarantee that effects an insurance of insuring, and the expense of insurer's payment is about oriented by insurance contract With.Traditional premium is mainly calculated by hand by going out single business personnel or core guarantor according to information of insuring.The calculating of premium With its target residing for the attribute information such as region, related insurance product performance, insurant's age occupation it is related.And production is insured at present Kind class is various, and corresponding attribute information is different, and manual calculation is not only time-consuming and laborious and error-prone.In order to improve premium Computational efficiency, insurance company or bank configure corresponding premium formula in design insurance product for insurance products, by this Default premium formula realizes that automation calculates premium.Premium formula is typically more complicated.But in the automation calculation, sea The complicated premium formula of amount is both needed to be configured by manual coding so that premium formula setup time is grown.
The content of the invention
Based on this, it is necessary to for above-mentioned technical problem, there is provided a kind of premium that can improve premium formula allocative efficiency Collocation method, device, computer equipment and the storage medium of formula.
A kind of collocation method of premium formula, including：
Receive the formula configuring request that configurating terminal is sent, according to the formula configuring request obtain multiple premiums influence because Element；The premium influence factor is associated with corresponding calculation formula；
Utilize multiple premium influence factors generation formula configuration page；Formula configuration page face includes list of factors；
The formula configuration page is sent to configurating terminal, the configurating terminal obtains one or more in list of factors The selected operation of premium influence factor and the input operation of operator, and the operator using input and chosen premium shadow The generation formula description of the factor of sound；
Receive the formula description that the configurating terminal is sent, the premium influence factor being selected in being described according to the formula Corresponding calculation formula is obtained, is spliced multiple calculation formula using operator, generates premium formula.
In one of the embodiments, according to the formula configuring request obtain multiple premium influence factors the step of it Before, further include：
Receive multiple insurance subclass components and the multiple insurance responsibility components that configurating terminal is sent；
Each insurance subclass component and one or more insurance responsibility components are associated；
Classify to multiple insurance subclass components after association, obtain multiple insurance parent components；
Each insurance parent component is associated with corresponding one or more insurance subclass components；
Multiple insurance parent components after association are sent to configurating terminal；
Receive multiple premium influence factors corresponding with each insurance parent component that configurating terminal is sent.
In one of the embodiments, the method further includes：
The first information configuring request that service terminal is sent is received, the first information configuring request carries parent component Description, multiple insurance subclass components and associated insurance responsibility component are obtained according to parent component description；
Utilize multiple insurance subclass components and the information configuration page of associated insurance responsibility component generation insurance data information Face, the described information configuration page is sent to service terminal, the service terminal obtains one or more on the information configuration page Insure the corresponding selected operation of subclass component, and by selected insurance subclass component and associated multiple insurance responsibility component weights The operation of Combination nova；
The chosen insurance subclass component that service terminal is sent and the insurance responsibility component reconfigured are received, utilizes quilt Selected insurance subclass component and the insurance responsibility component reconfigured, generate self-defined insurance data information.
In one of the embodiments, the method further includes：
Utilize multiple insurance subclass components and associated insurance responsibility component generation standard insurance data information；
When receiving the second information configuration request of service terminal transmission, the second information configuration request carries visitor Family identifies and the message identification of multiple standard insurance data information；Corresponding customer type, root are obtained according to the customer ID The application industry of multiple standard insurance data information is obtained according to described information mark；
Risk verification is carried out according to the combination of customer type and application industry to multiple standard insurance data information；
When being verified, combination policy data message is generated using multiple standard insurance data information.
In one of the embodiments, the formula configuring request carries parent component mark；Obtain multiple premium shadows The step of factor of sound, including：
Corresponding premium influence factor is obtained according to parent component mark；
After the step of generation premium formula, the method further includes：
According to the formula configuring request carry subclass component mark or responsibility component mark, by premium formula with it is corresponding Insurance subclass component or insurance responsibility component be associated；
The premium formula of multiple insurance responsibility components is superimposed, obtains the corresponding premium formula of phase insurable subclass component, By the corresponding premium formula superposition of multiple insurance subclass components, the corresponding premium formula of corresponding insurance data information is obtained；
The corresponding premium formula of insurance data information is associated with corresponding insurance data information.
In one of the embodiments, the method further includes：
Receive the premium computation requests that service terminal is sent；The premium computation requests carry insure information and insurance number It is believed that the message identification of breath；
Corresponding premium formula is obtained according to described information mark；The premium formula includes multiple premium factors；
First parameter value is extracted in the information of insuring according to the premium factor, according to determining first parameter value Corresponding second parameter value of the premium factor；
Second parameter value is inputted into premium formula, premium value is calculated, the premium value is back to business end End.
In one of the embodiments, each calculation formula is associated with corresponding multiple parameters group；The parameter group includes First parameter value and corresponding second parameter value；It is described that first parameter value is extracted in the information of insuring according to the premium factor, The step of corresponding second parameter value of the premium factor is determined according to first parameter value, including：Obtain premium formula pair The parameter group that the multiple calculation formula answered are respectively associated；
According to the parameter group, corresponding first parameter value of each premium factor is extracted in the information of insuring；
The second parameter value corresponding with the first parameter value extracted is inquired about in parameter group.
A kind of configuration device of premium formula, including：
Configuring request module, for receiving the formula configuring request of configurating terminal transmission, according to the formula configuring request Obtain multiple premium influence factors；The premium influence factor is associated with corresponding calculation formula；
Formula describing module, for utilizing multiple premium influence factors generation formula configuration page；The formula configuration page Face includes list of factors；The formula configuration page is sent to configurating terminal, the configurating terminal is obtained one in list of factors The selected operation of a or multiple premium influence factors and the input operation of operator, and using the operator inputted and be selected Premium influence factor generation formula description；
Formula concatenation module, the formula description sent for receiving the configurating terminal, quilt in being described according to the formula Selected premium influence factor obtains corresponding calculation formula, is spliced multiple calculation formula using operator, and generation is protected Take formula.
A kind of computer equipment, including memory, processor and storage can be run on a memory and on a processor The step of computer program, processor realizes any of the above-described method when performing the computer program.
A kind of computer-readable recording medium, is stored thereon with computer program, and the computer program is held by processor The step of any of the above-described method is realized during row.
Collocation method, device, computer equipment and the storage medium of above-mentioned premium formula, when configurating terminal needs to configure guarantor When taking formula, formula configuring request can be sent to server；Server can obtain pre-stored according to formula configuring request Multiple premium influence factors；Using multiple premium influence factors, the formula configuration page can be generated；By the public affairs including list of factors The formula configuration page is sent to configurating terminal, and configurating terminal can be made to obtain one or more premium influence factors in list of factors Selected operation and the input of operator operation, and utilize the operator and chosen premium influence factor generation formula of input Description；The premium influence factor being selected in the formula description sent according to configurating terminal, can obtain corresponding calculation formula, Multiple calculation formula are spliced using operator, you can generation premium formula.Calculated due to will each influence premium in advance The corresponding calculation formula of factor be encapsulated as straightaway Chinese premium influence factor, when needing that insurance data information is matched somebody with somebody When putting corresponding premium formula, premium influence factor need to only be carried out selected i.e. corresponding using the generation of corresponding calculation formula Premium formula, can both reduce the configuration threshold of premium formula, can also improve the allocative efficiency of premium formula.
Brief description of the drawings
Fig. 1 is the application scenario diagram of the collocation method of premium formula in one embodiment；
Fig. 2 is the flow chart of the collocation method of premium formula in one embodiment；
Fig. 3 is the block diagram of the configuration device of premium formula in one embodiment；
Fig. 4 is the block diagram of one embodiment Computer equipment.
Embodiment
It is with reference to the accompanying drawings and embodiments, right in order to which the object, technical solution and advantage of the application are more clearly understood The application is further elaborated.It should be appreciated that specific embodiment described herein is only to explain the application, not For limiting the application.
The application provides a kind of collocation method of premium formula, can be applied in application environment as shown in Figure 1.Its In, configurating terminal 102 is connected by network with server 104.Configurating terminal 102 can be smart mobile phone, tablet computer, desk-top At least one of computer, vehicle-mounted computer, but be not limited thereto.Server 104 can be independent physical server, It can be the server cluster that multiple physical servers are formed.Configurating terminal 102, which obtains, influences many factors that premium calculates, will Each corresponding calculation formula of factor is encapsulated as the premium influence factor of Chinese, and premium influence factor is calculated public affairs with corresponding Formula is associated.Configurating terminal 102 sends multiple premium influence factors and calculation formula to server 104.When needs are to protecting Expense formula is when being configured, and the designer that insurance products correspond to insurance data information can be by configurating terminal 102 to service Device 104 sends formula configuring request.Server 104 obtains multiple premium influence factors according to formula configuring request, will get Multiple premium influence factors send to configurating terminal 102, allow designer by configurating terminal 102 to one or more Premium influence factor carries out selected and inputs operator.Configurating terminal 102 is corresponding according to one or more premium influence factors Selected operation and the input of operator operation, is retouched using the operator and chosen premium influence factor generation formula of input State, and formula description is sent to server 104.Formula description is passage, for describing the implication of the formula.Service The premium influence factor that device 104 is selected in being described according to formula obtains corresponding calculation formula, the fortune in being described using formula Operator is spliced the multiple calculation formula got, generates premium formula.The factor calculated according to premium is influenced, in advance will Each corresponding calculation formula of factor is encapsulated as straightaway Chinese premium influence factor, when needing to insurance data information When configuring corresponding premium formula, premium influence factor need to only be carried out selected i.e. corresponding using the generation of multiple calculation formula Premium formula, can both reduce the configuration threshold of premium formula, can also improve the allocative efficiency of premium formula.
In one embodiment, as shown in Figure 2, there is provided a kind of collocation method of premium formula, is applied in this way Illustrated exemplified by server, specifically include following steps：
Step 202, the formula configuring request that configurating terminal is sent is received, multiple premium shadows are obtained according to formula configuring request The factor of sound；Premium influence factor is associated with corresponding calculation formula.
Step 204, multiple premium influence factors generation formula configuration page is utilized；Formula configuration page face is arranged including factor Table.
Insurance company, can be corresponding to insurance data information configuration by configurating terminal when configuring insurance data information Premium formula.Insurance data information refers to the corresponding a variety of data messages of insurance products, such as insurance responsibility, insurance premium rate.Change Sentence is talked about, and insurance data information refers to the insurance products file being made of a variety of data messages, so as to by configuring difference Insurance data information realization difference insurance products it is newly-increased.
In order to improve the allocative efficiency that insurance data information corresponds to premium formula, configurating terminal will influence the every of premium calculating The corresponding calculation formula of a factor is encapsulated as the premium influence factor of Chinese, and by premium influence factor and corresponding calculation formula It is associated.For example, the corresponding premium influence factor of household property insurance includes type of house, floor space, house location Manage region and guaranty rate etc..Configurating terminal is by the corresponding premium influence factor of a variety of insurance data information and association Calculation formula send to server and stored.
When receiving the formula configuring request of configurating terminal transmission, server obtains multiple meters according to formula configuring request Formula is calculated, and utilizes the formula configuration page of the multiple premium influence factors generation premium formula got.Formula configures the page Multiple premium influence factors can be shown in the form of a list.Formula configuration page face includes equation editing frame.
Step 206, the formula configuration page is sent to configurating terminal, configurating terminal obtains one or more in list of factors The selected operation of premium influence factor and the input operation of operator, and the operator using input and chosen premium shadow The generation formula description of the factor of sound.
Server sends the formula configuration page to configurating terminal, allows designer by configurating terminal in list One or more premium influence factors are carried out selected and input operator in equation editing frame.Configurating terminal is according in list one The selected operation of a or multiple premium influence factors and the input operation of operator, by the operator of input and chosen guarantor Take influence factor and be added to equation editing frame, and in the instruction that the configuration for receiving designer's input finishes, utilize formula Content generation formula description in edit box, and formula description is sent to server.Formula description is passage, is used for The implication of the formula is described.
Step 208, the formula description that configurating terminal is sent, the premium influence factor being selected in being described according to formula are received Corresponding calculation formula is obtained, is spliced multiple calculation formula using operator, generates premium formula.
The premium influence factor that server is selected in being described according to formula obtains corresponding calculation formula, is retouched using formula Operator in stating is spliced the multiple calculation formula got, generates premium formula.Server is by premium formula and phase The insurance data information association answered.
In the present embodiment, when configurating terminal needs to configure premium formula, formula configuring request can be sent to server； Server can obtain pre-stored multiple premium influence factors according to formula configuring request；Using multiple premium influence factors, The formula configuration page can be generated；The formula configuration page including list of factors is sent to configurating terminal, configuration can be made whole End obtains the selected operation of one or more premium influence factors and the input operation of operator in list of factors, and utilizes defeated The operator entered and the generation formula description of chosen premium influence factor；It is chosen in the formula description sent according to configurating terminal Fixed premium influence factor, can obtain corresponding calculation formula, be spliced multiple calculation formula using operator, you can Generate premium formula.Due in advance by it is each influence premium calculate the corresponding calculation formula of factor be encapsulated as it is straightaway in The premium influence factor of text, only need to be to premium influence factor when needing premium formula corresponding to insurance data information configuration Carry out the selected configuration door for generating corresponding premium formula using corresponding calculation formula, can both reducing premium formula Sill, can also improve the allocative efficiency of premium formula.
In one embodiment, before the step of obtaining multiple premium influence factors according to formula configuring request, also wrap Include：Receive multiple insurance subclass components and the multiple insurance responsibility components that configurating terminal is sent；To each insure subclass component with One or more insurance responsibility components are associated；Classify to multiple insurance subclass components after association, obtain multiple guarantors Dangerous parent component；Each insurance parent component is associated with corresponding one or more insurance subclass components；After associating Multiple insurance parent components send to configurating terminal；Receive the corresponding more with each insurance parent component of configurating terminal transmission A premium influence factor.
Server has prestored multiple insurance subclass components and multiple insurance responsibility components.Insurance subclass component refers to protect The kind of insurance title of dangerous data message, such as household property insurance, major disease insurance, automobile insurance etc..Insurance responsibility Component refers to the liability to pay compensation that insurance company bears when insurance risk occurs.Insurance responsibility component include primary responsibility component, Contributing responsibility component and discharge of obligation component.Multiple insurance subclass components and insurance responsibility component can be insurance company designers Member is pre-defined, and is pre-configured in server by configurating terminal.In another embodiment, server is in traditional guarantor Extraction obtains a variety of insurance subclass components and insurance responsibility component in the corresponding insurance data information of dangerous product.Server is according to pre- If correlation rule by the insurance responsibility component of magnanimity be respectively associated to one or more insure subclass components, each insure subclass Component can be associated with one or more insurance responsibility components.Server can utilize multiple insurance subclass components and association Insurance responsibility component generate polytype insurance data information.
Server extracts keyword in subclass component is insured, and default multiple sort key words is obtained, by what is extracted Keyword is matched with default sort key word, is classified according to matching result to substantial amounts of insurance subclass component, obtained To multiple insurance parent components.Default sort key word can be a variety of target types, such as house, motor vehicles etc..Insurance Parent component refers to the kind of insurance title of insurance data information, such as property insurance, personal insurance etc..Insurance parent component includes One or more insurance subclass component, for example, in the example above, property insurance includes household property insurance and motor vehicles are protected Danger etc., personal insurance are insured including major disease, aviation accident/injury insurance etc..Server will insure parent component and corresponding Insurance subclass component is associated.Server sends multiple insurance parent components after association to configurating terminal, makes designer Member can add corresponding multiple premium influence factors in configurating terminal to each insurance parent component.
In the present embodiment, the insurance responsibility component of magnanimity is associated with insurance subclass component respectively；Protected to substantial amounts of Dangerous subclass component is further classified, and the insurance parent component that classification obtains is associated with corresponding insurance subclass component, So that multiple components obtain the storage of structuring, easy to the management to multiple components, also allow for utilizing these structured group The management of the insurance data information of part generation.
In one embodiment, formula configuring request carries parent component mark；Obtain multiple premium influence factors Step, including：Corresponding premium influence factor is obtained according to parent component mark；After the step of generating premium formula, side Method further includes：According to formula configuring request carry subclass component mark or responsibility component mark, by premium formula with it is corresponding Insurance subclass component or insurance responsibility component are associated；By the corresponding premium formula superposition of multiple insurance responsibility components, obtain The corresponding premium formula of phase insurable subclass component, the corresponding premium formula of multiple insurance subclass components is superimposed, is obtained corresponding The corresponding premium formula of insurance data information；The corresponding premium formula of insurance data information and corresponding insurance data information are carried out Association.
Configurating terminal will each insure the corresponding multiple premium influence factors of parent component and associated calculation formula hair Send to server.When receiving the formula configuring request of premium formula of configurating terminal transmission, formula configuring request carries Parent component identifies, and server obtains corresponding multiple premium influence factors according to parent component mark, and in the manner described above Premium formula is generated using multiple calculation formula.Formula configuring request also carries component mark.Server is identified according to component Premium formula is associated with corresponding insurance subclass component or insurance responsibility component.Server is by multiple insurance responsibility components Premium formula superposition, the corresponding premium formula of phase insurable subclass component can be obtained；By multiple chosen insurance subclasses The superposition of component corresponding premium formula, can obtain the corresponding premium formula of corresponding insurance data information.Server will insure number It is associated it is believed that ceasing corresponding premium formula with corresponding insurance data information.It is readily appreciated that, insurance subclass component can also be single Corresponding premium formula is solely set, rather than the premium formula of associated multiple insurance responsibility components is superimposed.
In the present embodiment, the inscape of insurance data information is defined as insurance subclass component and insurance responsibility group in advance Part, and corresponding premium formula is respectively configured to predefined insurance subclass component and insurance responsibility component, protected when needing to increase newly Simple foot assembling need to be only carried out during dangerous data message to existing component, while corresponding premium formula also only needs simply Superposition, can save the newly-increased time of insurance data information and corresponding premium formula.
In one embodiment, method further includes：Receive the first information configuring request that service terminal is sent, the first information Configuring request carries the description of parent component, obtains multiple insurance subclass components according to the description of parent component and associated insurance is blamed Appoint component；Utilize multiple insurance subclass components and the information configuration page of associated insurance responsibility component generation insurance data information Face, the information configuration page is sent to service terminal, and service terminal obtains one or more insurance subclasses on the information configuration page The corresponding selected operation of component, and selected insurance subclass component is reconfigured with associated multiple insurance responsibility components Operation；Chosen insurance subclass component and the insurance responsibility component that reconfigures that service terminal is sent are received, using being chosen Fixed insurance subclass component and the insurance responsibility component reconfigured, generate self-defined insurance data information.
Server can utilize multiple insurance subclass components and associated insurance responsibility component to generate polytype insurance Data message.The information type of insurance data information includes standard insurance data information, self-defined insurance data information or combination Insurance data information etc..Wherein, standard insurance data information refers to the insurance with fixed insurance coverage of designer's design Data message.Self-defined insurance data information refers to the insurance number designed temporarily according to the insurance will of insurer by business personnel It is believed that breath.Combination policy data message refers to business personnel according to the insurance will of insurer by multiple standard insurance data information The insurance data information being combined.
When designer needs design standard insurance data information, standard can be sent to server by configurating terminal Information configuration is asked.Standard information configuring request carries parent component mark, and server identifies according to parent component and obtains phase The corresponding multiple insurance subclass components of insurable parent component and associated insurance responsibility component, utilize the multiple guarantors got Dangerous subclass component and the associated insurance responsibility component generation standard information configuration page, the standard information configuration page is back to and is matched somebody with somebody Put terminal.The inscape of standard insurance data information includes insurance responsibility, premium delivery method, insurance period and insurance and pays for Money or insurance money mode of satisfaction etc..Server be also pre-stored a variety of premium delivery method, insurance period and insurance proceeds or The other element component such as insurance money mode of satisfaction.It is corresponding that the standard information configuration page further includes above-mentioned other element component Option.
Designer can by configurating terminal standard information configuration page in face of one or more insurance subclass components into Row is selected, other element component can also be carried out respectively by service terminal selected or newly-increased.Configurating terminal is believed according to standard It is one or more on the breath configuration page to insure the corresponding selected operation of subclass component and the corresponding choosing of other element component Fixed operation, chosen insurance subclass component and other element component are sent to server.The guarantor that server by utilizing is selected Dangerous subclass component and associated insurance responsibility component, generate security unit information.Designer can carry out more in configurating terminal Secondary different selected operation, and then the security unit information of different size can be generated.Server can utilize one of which or A variety of insurance data information of the security unit information generation with different insurance coverages.
Server has been pre-stored the corresponding a variety of rules of insuring of each insurance parent component, as minimum is insured quantity, insurance Time limit and occupation type etc..In one embodiment, the standard information configuration page further includes a variety of corresponding options of rule of insuring, Configurating terminal faces regular selected operation of insuring according to designer in standard information configuration page, obtains chosen rule of insuring Then, chosen rule of insuring is sent to server, server will insure regular to be closed with corresponding security unit information Connection.In another embodiment, server parses the security unit information of generation, the insurance coverage obtained according to parsing Corresponding rule of insuring is obtained, is associated insuring of getting is regular with corresponding security unit information.
The inscape of insurance data information further includes insurance premium rate.Insurance premium rate refers to insurance company by unit insurance money Volume collects the standard of insurance premium to insurer.Server is according to chosen insurance subclass component and corresponding insurance responsibility component Rate-making.Specifically, server has been pre-stored actuarial model.Actuarial model can utilize multiple traditional insurance productions What the insurance coverage and insurance premium rate of the corresponding insurance data information of product were trained.Server is based on chosen insurance subclass Component and corresponding insurance responsibility component determine insurance coverage, and insurance coverage is inputted actuarial model, actuarial cost is calculated With insurance profit, according to actuarial cost and profit rate-making is insured.Insurance data information is determined using actuarial model Insurance premium rate, can improve the efficiency and accuracy rate of insurance premium rate calculating, so as to improve the configuration of insurance data information effect Rate.
The one or more security unit information for being equipped with rule of insuring of server by utilizing, chosen other element component with And insurance premium rate generation standard insurance data information.Server adds corresponding mandate customer class to standard insurance data information The attribute informations such as type, application industry and Sales Channel.Customer type is authorized to be distinguished according to scale of consumer, for example, working as client For enterprise when, authorize customer type to include minuscule-type-enterprise and large enterprise etc..Can have with a standard insurance data information Multiple corresponding application industries.Sales Channel includes the sale of cabinet face, online retailing and telemarketing etc..Server is according to above-mentioned category Property information, corresponding computer equipment is distributed to by standard insurance data information.The present embodiment advances with insurance data information Inscape defines multiple components, and component is associated and classified, and to the structured classification storage of multiple components, works as needs During newly-increased insurance data information, it is the quick new of achievable standard insurance data information that only need to input demand for insurance in configurating terminal Increase.
The insurance responsibility of standard insurance data information configuration be it is fixed, sale when it includes some clause insurers And need not, but because can not unrestricted choice, insurer can only all insure so that insurance business is promoted slowly and underaction.Pass System mode insurance company, can only be by manually increasing insurance data information newly, with insurer in order to accelerate the popularization of insurance business Property demand for insurance, but by manually carrying out the newly-increased of personalized insurance data information so that the new speedup of insurance data information Rate is relatively low.In order to solve the problems, such as that the new Increasing Efficiency of above-mentioned personalized insurance data information is low, the present embodiment service terminal can be straight Connect to insurance subclass component and insurance responsibility component independent assortment.
When business personnel needs to design self-defined insurance data information according to the insurance will of insurer, can directly lead to Cross service terminal and send first information configuring request to server.First information configuring request carries the description of parent component.Father Class component describes product classification, target type, entry-into-force time and the out-of-service time for including the desired insurance data information of insurer Deng.Server describes to obtain the corresponding multiple insurance subclass components of phase insurable parent component and associated guarantor according to parent component Dangerous responsibility component, the information configuration page is generated using the multiple insurance subclass components got and associated insurance responsibility component, The information configuration page is back to service terminal.The information configuration page includes insurance subclass list and corresponding insurance responsibility row Table.
Designer can select one or more insurance subclass component in insurance subclass list by service terminal It is fixed, selected insurance subclass component and associated multiple insurance responsibility components can also be subjected to group again in insurance responsibility list Close, to redefine insurance coverage according to the wish of insurer.Service terminal is protected according to one or more on the information configuration page The corresponding selected operation of dangerous subclass component, and by chosen insurance subclass component and associated multiple insurance responsibility component weights The operation of Combination nova, the insurance responsibility component that chosen insurance subclass component and corresponding class component are reconfigured are sent To server.The insurance subclass component and the corresponding insurance responsibility component reconfigured that server by utilizing is selected, generation is certainly Define insurance data information.
In the present embodiment, due to insuring subclass component and insurance responsibility component to the inscape of insurance data information in advance It is defined, need to only carries out simple foot assembling to existing component when needing newly-increased insurance data information, guarantor can be saved Dangerous data message increases the time newly.Insurance subclass component is associated with insurance responsibility component so that the insurance number for generation It is believed that breath magnanimity component can obtain structured storage, easy to the management to multiple components, it is used to generate so as to improve The extraction efficiency of the component of insurance data information, and then the new Increasing Efficiency of insurance data information can be improved.In addition, service terminal Directly insurance subclass component and insurance responsibility component can be freely combined according to the personalized insurance demand of insurer, generation is suitable For the personalized insurance data information of insurer, and directly selected again on structured multiple assemblies, can be with Improve the new Increasing Efficiency of self-defined insurance data information.
In one embodiment, this method further includes：Utilize multiple insurance subclass components and associated insurance responsibility component Generation standard insurance data information；When receiving the second information configuration request of service terminal transmission, the second information configuration please Seek the message identification for carrying customer ID and multiple standard insurance data information；Corresponding customer class is obtained according to customer ID Type, the application industry of multiple standard insurance data information is obtained according to message identification；According to customer type and application industry to more The combination of a standard insurance data information carries out risk verification；When being verified, given birth to using multiple standard insurance data information Into combination insurance data information.
In order to promote the popularization of insurance business, insurance company often releases the insurance data information across the combination of insurance parent, For example, when selling automobile insurance, may related bundle sale household property insurance or unexpected health insurance.Wherein, The corresponding insurance parent of automobile insurance be property insurance, and the corresponding insurance parent of unexpected health insurance is personal insurance, category In different insurance parents.For the insurance data information of bundle sale, insurer can be with unrestricted choice.
When multiple standard insurance data information design combination policy data that business personnel needs to be selected according to insurer are believed During breath, the second information configuration can be sent to server by service terminal and asked.The request of second information configuration carries client The message identification of mark and multiple standard insurance data information.Server obtains corresponding customer type, root according to customer ID The application industry of corresponding multiple standard insurance data information is obtained according to multiple message identifications.Customer type is including minuscule-type-enterprise and greatly Type enterprise etc..Application industry includes medical industry and internet industry etc..Server is according to customer type and application industry to more The combination of a standard insurance data information carries out risk verification.Protected specifically, server obtains multiple standards according to message identification The mandate customer type of dangerous data message；Whether belong to the mandate customer type of each standard insurance data information to customer type And whether the application industry of multiple standard insurance data information is verified comprising identical application industry.When multiple standards are protected Dangerous data message has identical application industry, and customer type belongs to the mandate customer type of each standard insurance data information When, represent that risk is verified.
When multiple standard insurance data information do not have identical application industry, i.e., when inter-trade, server obtains default Multiple industries are combined the group with combining the application industry of multiple standard insurance data information in request respectively by multiple industry combinations Conjunction is matched.Work as successful match, and when customer type belongs to the mandate customer type of each standard insurance data information, represent Risk is verified.When it fails to match, server is believed according to multiple standard insurance datas that the request of the second information configuration carries Breath generation combined task, combined task is sent to configurating terminal, judges that multiple standards are insured by configurating terminal by core guarantor Whether data message can combine.When risk is verified, or receive the confirmation result of the agreement combination of configurating terminal return When, multiple standard insurance data information of server by utilizing acquisition, generate combination policy data message and corresponding page of insuring Face, the page that will insure are sent to service terminal.The page of insuring includes whether the option of " merging list ".When in insurer's purchase When stating combination policy data message, and the option of " merging list " being made choice by service terminal, service terminal " will merge Go out list " the corresponding selection result of option send to server.Server generates corresponding declaration form according to selection result.Traditional It is difficult to merge a declaration form, insurance data information design system when the multiple standard insurance data information for insuring parent are going out list System needs to generate corresponding declaration form respectively so that the later stage, which corrects and settles a claim, to be needed to handle multiple declaration forms, reduces efficiency of correcting and settle a claim. And in the present solution, no matter generate combination policy data message multiple standard insurance data information whether across insurance parent, To merge list, correct and settle a claim easy to the later stage.
In the present embodiment, according to insurer's insurance demand directly by across insurance parent multiple standard insurance data information into Row combination, and the combination to multiple standard insurance data information carries out risk verification, when being verified, automatically forms new group Insurance data information is closed, improves the new Increasing Efficiency of combination policy data message.
In one embodiment, this method further includes：Receive the premium computation requests that service terminal is sent；Premium calculates please Seek the message identification for carrying insure information and insurance data information；Corresponding premium formula is obtained according to message identification；Premium Formula includes multiple premium factors；First parameter value is extracted in information of insuring according to the premium factor, it is true according to the first parameter value Determine corresponding second parameter value of the premium factor；Second parameter value is inputted into premium formula, premium value is calculated, premium value is returned It is back to service terminal.
When insurer buys insurance products, business personnel can send request of insuring by service terminal to server. Request of insuring, which carries insurer, asks the insurance products of purchase to correspond to the message identification of insurance data information.Server is according to letter Breath mark obtains corresponding product information, generates the page of insuring using the product information got, the page that will insure is sent to industry Business terminal.Business personnel can insure information according to the insurance will of insurer in page typing of insuring.In data input of insuring During, if necessary to carry out premium calculating, business personnel can be directly by clicking on the side such as " quotation " button in the page of insuring Formula sends premium computation requests to server.Premium computation requests carry the information mark of insure information and insurance data information Know.Server obtains corresponding premium formula according to message identification.Premium formula includes multiple premium factors, such as short period rate Deng.Server extracts the first parameter value, the first ginseng such as extracted according to short period rate according to the premium factor in information of insuring Numerical value can be " period insured：6 months ".Server determines corresponding second parameter value of the premium factor according to the first parameter value, Such as above-mentioned first parameter value " period insured：6 months " corresponding second parameter value can be " short-term moon rate：70% ".Service Second parameter value is inputted premium formula by device, and premium value is calculated, premium value is back to service terminal.Service terminal is being thrown The page is protected to be shown premium value.
Traditional calculates the process of premium, it is necessary to be manually entered each premium factor in premium formula by premium formula Parameter value, computational efficiency be not still high.In the present embodiment, the parameter value of needs can be directly extracted in the information of insuring of input, Remove from and be manually entered the cumbersome of parameter value, really improve premium computational efficiency.
In one embodiment, each calculation formula is associated with corresponding multiple parameters group；Parameter group includes the first parameter Value and corresponding second parameter value；First parameter value is extracted in information of insuring according to the premium factor, it is true according to the first parameter value The step of determining the premium factor corresponding second parameter value, including：The corresponding multiple calculation formula of premium formula are obtained to be respectively associated Parameter group；According to parameter group, corresponding first parameter value of each premium factor is extracted in information of insuring；Looked into parameter group Ask the second parameter value corresponding with the first parameter value extracted.
For pre-defined each associated calculation formula of premium influence factor, configurating terminal defines corresponding multiple Parameter group.Each parameter group includes the first parameter value and corresponding second parameter value.For example, the premium factor " short period rate " associates A parameter group can be：First parameter value (period insured：1 month) and the second parameter value (short-term moon rate：0.2)；Separately One parameter group can be：First parameter value (period insured：2 months) and the second parameter value (short-term moon rate：0.3)；Further A parameter group can be：First parameter value (period insured：3 months) and the second parameter value (short-term moon rate：0.4)；It is such as such Push away.In another embodiment, the second parameter value can freely be set with the rule of the first parameter value variation in multiple parameters group, Such as linear increase, fixed step size, fixed value or circulation increase.By setting rule of second parameter value with the first parameter value variation Rule so that the parameter group that multiple parameters group is referred to set automatically generates, it is possible to reduce multiple parameters group is matched somebody with somebody by hand one by one That puts is cumbersome, so as to improve the allocative efficiency of premium formula.
Configurating terminal sends the corresponding parameter group of each calculation formula to server.Server by parameter group with it is corresponding Calculation formula is associated.When receiving the premium computation requests of service terminal transmission, server is according to premium computation requests The message identification of carrying, obtain corresponding premium formula and it includes the parameter group that is respectively associated of multiple calculation formula.According to Parameter group, server extract corresponding first parameter value of each premium factor in information of insuring, inquire about and carry in parameter group Corresponding second parameter value of the first parameter value got.
In the present embodiment, by advance associated parameter group, each premium factor can be directly extracted in information of insuring Corresponding first parameter value, and the second parameter corresponding with the first parameter value extracted can be directly inquired in parameter group Value, can improve efficiency and success rate that extraction is used for the parameters value that premium calculates, and effect is calculated so as to improve premium Rate.
In one embodiment, as shown in Figure 3, there is provided a kind of configuration device of premium formula, including：Configuring request mould Block 302, formula describing module 304 and formula concatenation module 306, wherein：
Configuring request module 302, for receiving the formula configuring request of configurating terminal transmission, is obtained according to formula configuring request Take multiple premium influence factors；Premium influence factor is associated with corresponding calculation formula；
Formula describing module 304, for utilizing multiple premium influence factors generation formula configuration page；Formula configures the page Including list of factors；The formula configuration page is sent to configurating terminal, configurating terminal obtains one or more in list of factors protect Take the selected operation of influence factor and the input operation of operator, and influenced using the operator and chosen premium of input Factor generation formula description；
Formula concatenation module 306, for receiving the formula description of configurating terminal transmission, is selected in being described according to formula Premium influence factor obtains corresponding calculation formula, is spliced multiple calculation formula using operator, generates premium formula.
In one embodiment, which further includes component definition module 308, for receiving the multiple of configurating terminal transmission Insure subclass component and multiple insurance responsibility components；Subclass component will each be insured to carry out with one or more insurance responsibility components Association；Classify to multiple insurance subclass components after association, obtain multiple insurance parent components；Parent group will each be insured Part is associated with corresponding one or more insurance subclass components；Multiple insurance parent components after association are sent to configuration Terminal；Receive multiple premium influence factors corresponding with each insurance parent component that configurating terminal is sent.
In one embodiment, which further includes the first exemplary configuration module 310, for receiving service terminal transmission First information configuring request, first information configuring request carry the description of parent component, are obtained according to the description of parent component multiple Insure subclass component and associated insurance responsibility component；Utilize multiple insurance subclass components and the generation of associated insurance responsibility component The information configuration page of insurance data information, the information configuration page is sent to service terminal, service terminal and obtains information configuration The corresponding selected operation of one or more insurance subclass component on the page, and by selected insurance subclass component with it is associated more The operation that a insurance responsibility component reconfigures；Receive the chosen insurance subclass component of service terminal transmission and reconfigure Insurance responsibility component, using chosen insurance subclass component and the insurance responsibility component reconfigured, generate self-defined guarantor Dangerous data message.
In one embodiment, which further includes the second exemplary configuration module 312, for utilizing multiple insurance subclass groups Part and associated insurance responsibility component generation standard insurance data information；When the second information configuration for receiving service terminal transmission During request, the request of the second information configuration carries customer ID and the message identification of multiple standard insurance data information；According to visitor Family mark obtains corresponding customer type, and the application industry of multiple standard insurance data information is obtained according to message identification；According to The combination of customer type and application industry to multiple standard insurance data information carries out risk verification；When being verified, utilize Multiple standard insurance data information generate combination policy data message.
In one embodiment, formula configuring request carries parent component mark.Configuring request module 302 is additionally operable to root Corresponding premium influence factor is obtained according to parent component mark.The device further includes formula relating module 314, for according to formula The subclass component mark or responsibility component mark that configuring request carries, by premium formula and corresponding insurance subclass component or insurance Responsibility component is associated；By the corresponding premium formula superposition of multiple insurance responsibility components, phase insurable subclass component pair is obtained The premium formula answered, the corresponding premium formula of multiple insurance subclass components is superimposed, it is corresponding to obtain corresponding insurance data information Premium formula；The corresponding premium formula of insurance data information is associated with corresponding insurance data information.
In one embodiment, which further includes premium computing module 316, for receiving the premium of service terminal transmission Computation requests；Premium computation requests carry the message identification of insure information and insurance data information；Obtained according to message identification Corresponding premium formula；Premium formula includes multiple premium factors；First parameter is extracted in information of insuring according to the premium factor Value, corresponding second parameter value of the premium factor is determined according to the first parameter value；Second parameter value is inputted into premium formula, is calculated To premium value, premium value is back to service terminal.
In one embodiment, each calculation formula is associated with corresponding multiple parameters group；Parameter group includes the first parameter Value and corresponding second parameter value.Premium computing module 316 is additionally operable to obtain the corresponding multiple calculation formula difference of premium formula Associated parameter group；Corresponding first parameter value of each premium factor is extracted in information of insuring according to parameter group；In parameter group It is middle to inquire about the second parameter value corresponding with the first parameter value extracted.
The configuration device of above-mentioned premium formula can be implemented as a kind of form of computer program, and computer program can be Run in computer equipment as shown in Figure 4.
In one embodiment, there is provided a kind of computer equipment, the computer equipment can be server or Mobile terminal.When the computer equipment is server, its cut-away view can be as shown in Figure 4.The computer equipment includes Processor, storage device and the network interface connected by system bus.Wherein, the processor of the computer equipment is used to provide Calculating and control ability.The storage device of the computer equipment includes non-volatile memory medium and built-in storage.This is non-volatile Property storage medium is stored with operating system and computer program.The built-in storage is the operating system in non-volatile memory medium Operation with computer program provides environment.The network interface of the computer equipment is used to pass through network connection with exterior terminal Communication.To realize a kind of collocation method of premium formula when the computer program is executed by processor.Those skilled in the art can The structure shown to understand, in Fig. 4, only with the block diagram of the relevant part-structure of application scheme, is not formed to this Shen Please the restriction of computer equipment that is applied thereon of scheme, specific computer equipment can include it is more more than shown in figure or Less component, either combines some components or is arranged with different components.Processor can be with when performing computer program Perform following steps：The formula configuring request that configurating terminal is sent is received, obtaining multiple premiums according to formula configuring request influences Factor；Premium influence factor is associated with corresponding calculation formula；Utilize multiple premium influence factors generation formula configuration page；It is public Formula configuration page face includes list of factors；The formula configuration page is sent to configurating terminal, configurating terminal and is obtained one in list of factors The selected operation of a or multiple premium influence factors and the input operation of operator, and using the operator inputted and be selected Premium influence factor generation formula description；The formula description that configurating terminal is sent is received, is selected in being described according to formula Premium influence factor obtains corresponding calculation formula, is spliced multiple calculation formula using operator, generates premium formula.
In one embodiment, following steps are also performed when processor performs computer program：Configurating terminal is received to send Multiple insurance subclass components and multiple insurance responsibility components；Subclass component and one or more insurance responsibility groups will each be insured Part is associated；Classify to multiple insurance subclass components after association, obtain multiple insurance parent components；To each it insure Parent component is associated with corresponding one or more insurance subclass components；Multiple insurance parent components after association are sent To configurating terminal；Receive multiple premium influence factors corresponding with each insurance parent component that configurating terminal is sent.
In one embodiment, following steps are also performed when processor performs computer program：Service terminal is received to send First information configuring request, first information configuring request carry parent component description, according to parent component description obtain it is more A insurance subclass component and associated insurance responsibility component；Utilize multiple insurance subclass components and the life of associated insurance responsibility component Into the information configuration page of insurance data information, the information configuration page is sent to service terminal, service terminal obtains information and matches somebody with somebody Put on the page the corresponding selected operation of one or more insurance subclass components, and by selected insurance subclass component with it is associated The operation that multiple insurance responsibility components reconfigure；The chosen insurance subclass component of reception service terminal transmission and again group The insurance responsibility component of conjunction, it is self-defined using chosen insurance subclass component and the insurance responsibility component reconfigured, generation Insurance data information.
In one embodiment, following steps are also performed when processor performs computer program：Utilize multiple insurance subclasses Component and associated insurance responsibility component generation standard insurance data information；When the second information for receiving service terminal transmission is matched somebody with somebody When putting request, the request of the second information configuration carries customer ID and the message identification of multiple standard insurance data information；According to Customer ID obtains corresponding customer type, and the application industry of multiple standard insurance data information is obtained according to message identification；Root Risk verification is carried out according to the combination of customer type and application industry to multiple standard insurance data information；When being verified, profit Combination policy data message is generated with multiple standard insurance data information.
In one embodiment, formula configuring request carries parent component mark；When processor performs computer program Also perform following steps：Corresponding premium influence factor is obtained according to parent component mark；Carried according to formula configuring request Subclass component identifies or responsibility component mark, and premium formula is closed with corresponding insurance subclass component or insurance responsibility component Connection；The premium formula of multiple insurance responsibility components is superimposed, the premium formula to insurable subclass component is obtained, by multiple insurances The premium formula superposition of subclass component, obtains the premium formula of corresponding insurance data information；The premium of insurance data information is public Formula is associated with corresponding insurance data information.
In one embodiment, following steps are also performed when processor performs computer program：Service terminal is received to send Premium computation requests；Premium computation requests carry the message identification of insure information and insurance data information；According to information mark Know and obtain corresponding premium formula；Premium formula includes multiple premium factors；Is extracted in information of insuring according to the premium factor One parameter value, corresponding second parameter value of the premium factor is determined according to the first parameter value；Second parameter value is inputted into premium formula, Premium value is calculated, premium value is back to service terminal.
In one embodiment, each calculation formula is associated with corresponding multiple parameters group；Parameter group includes the first parameter Value and corresponding second parameter value；Processor also performs following steps when performing computer program：It is corresponding to obtain premium formula The parameter group that multiple calculation formula are respectively associated；According to parameter group, each premium factor corresponding is extracted in information of insuring One parameter value；The second parameter value corresponding with the first parameter value extracted is inquired about in parameter group.
In one embodiment, there is provided a kind of computer-readable recording medium, is stored thereon with computer program, the journey Computer program following steps are realized when sequence is executed by processor：The formula configuring request that configurating terminal is sent is received, according to public affairs Formula configuring request obtains multiple premium influence factors；Premium influence factor is associated with corresponding calculation formula；Utilize multiple premiums The influence factor generation formula configuration page；Formula configuration page face includes list of factors；The formula configuration page is sent to configuration eventually End, configurating terminal obtain the input behaviour of the selected operation of one or more premium influence factors and operator in list of factors Make, and the operator using input and the generation formula description of chosen premium influence factor；Receive the public affairs that configurating terminal is sent Formula describes, and the premium influence factor being selected in being described according to formula obtains corresponding calculation formula, will be multiple using operator Calculation formula is spliced, and generates premium formula.
In one embodiment, following steps are also performed when computer program is executed by processor：Receive configurating terminal hair The multiple insurance subclass components and multiple insurance responsibility components sent；Subclass component and one or more insurance responsibilities will each be insured Component is associated；Classify to multiple insurance subclass components after association, obtain multiple insurance parent components；To each it protect Dangerous parent component is associated with corresponding one or more insurance subclass components；Multiple insurance parent components after association are sent out Send to configurating terminal；Receive multiple premium influence factors corresponding with each insurance parent component that configurating terminal is sent.
In one embodiment, following steps are also performed when computer program is executed by processor：Receive service terminal hair The first information configuring request sent, first information configuring request carry the description of parent component, describe to obtain according to parent component Multiple insurance subclass components and associated insurance responsibility component；Utilize multiple insurance subclass components and associated insurance responsibility component The information configuration page of insurance data information is generated, the information configuration page is sent to service terminal, service terminal and obtains information The corresponding selected operation of one or more insurance subclass component on the page is configured, and by selected insurance subclass component with associating The operation that reconfigures of multiple insurance responsibility components；Receive the chosen insurance subclass component and again that service terminal is sent The insurance responsibility component of combination, is made by oneself using chosen insurance subclass component and the insurance responsibility component reconfigured, generation Adopted insurance data information.
In one embodiment, following steps are also performed when computer program is executed by processor：Utilize multiple insurance Class component and associated insurance responsibility component generation standard insurance data information；When the second information for receiving service terminal transmission During configuring request, the request of the second information configuration carries customer ID and the message identification of multiple standard insurance data information；Root Corresponding customer type is obtained according to customer ID, the application industry of multiple standard insurance data information is obtained according to message identification； Risk verification is carried out according to the combination of customer type and application industry to multiple standard insurance data information；When being verified, Combination policy data message is generated using multiple standard insurance data information.
In one embodiment, formula configuring request carries parent component mark；Computer program is executed by processor When also perform following steps：Corresponding premium influence factor is obtained according to parent component mark；Carried according to formula configuring request Subclass component mark or responsibility component mark, by premium formula with it is corresponding insurance subclass component or insurance responsibility component progress Association；The premium formula of multiple insurance responsibility components is superimposed, the premium formula to insurable subclass component is obtained, by multiple guarantors The premium formula superposition of dangerous subclass component, obtains the premium formula of corresponding insurance data information；By the premium of insurance data information Formula is associated with corresponding insurance data information.
In one embodiment, following steps are also performed when computer program is executed by processor：Receive service terminal hair The premium computation requests sent；Premium computation requests carry the message identification of insure information and insurance data information；According to information Mark obtains corresponding premium formula；Premium formula includes multiple premium factors；Extracted according to the premium factor in information of insuring First parameter value, corresponding second parameter value of the premium factor is determined according to the first parameter value；Second parameter value input premium is public Formula, is calculated premium value, and premium value is back to service terminal.
In one embodiment, each calculation formula is associated with corresponding multiple parameters group；Parameter group includes the first parameter Value and corresponding second parameter value；Following steps are also performed when computer program is executed by processor：Premium formula is obtained to correspond to The parameter group that is respectively associated of multiple calculation formula；According to parameter group, it is corresponding that each premium factor is extracted in information of insuring First parameter value；The second parameter value corresponding with the first parameter value extracted is inquired about in parameter group.
One of ordinary skill in the art will appreciate that realize all or part of flow in above-described embodiment method, being can be with Relevant hardware is instructed to complete by computer program, aforementioned computer program can be stored in a non-volatile memory medium In, the computer program is upon execution, it may include such as the flow of the embodiment of above-mentioned each method.Wherein, foregoing storage medium can For magnetic disc, CD, read-only memory (Read-Only Memory, ROM) etc..
Each technical characteristic of above example can be combined arbitrarily, to make description succinct, not to above-described embodiment In each technical characteristic it is all possible combination be all described, as long as however, lance is not present in the combination of these technical characteristics Shield, is all considered to be the scope of this specification record.
Above example only expresses the several embodiments of the application, its description is more specific and detailed, but can not Therefore it is construed as limiting the scope of the patent.It should be pointed out that for those of ordinary skill in the art, On the premise of not departing from the application design, various modifications and improvements can be made, these belong to the protection domain of the application. Therefore, the protection domain of the application patent should be determined by the appended claims.

Claims (10)

1. a kind of collocation method of premium formula, including：
The formula configuring request that configurating terminal is sent is received, multiple premium influence factors are obtained according to the formula configuring request； The premium influence factor is associated with corresponding calculation formula；
Utilize multiple premium influence factors generation formula configuration page；The formula configuration page face includes list of factors；
The formula configuration page is sent to configurating terminal, the configurating terminal obtains one or more premiums in list of factors The selected operation of influence factor and the input of operator operation, and using the operator of input and chosen premium influence because Element generation formula description；
The formula description that the configurating terminal is sent is received, the premium influence factor being selected in being described according to the formula obtains Corresponding calculation formula, is spliced multiple calculation formula using the operator, generates premium formula.
2. according to the method described in claim 1, it is characterized in that, multiple premium shadows are being obtained according to the formula configuring request Before the step of factor of sound, further include：
Receive multiple insurance subclass components and the multiple insurance responsibility components that configurating terminal is sent；
Each insurance subclass component and one or more insurance responsibility components are associated；
Classify to multiple insurance subclass components after association, obtain multiple insurance parent components；
Each insurance parent component is associated with corresponding one or more insurance subclass components；
Multiple insurance parent components after association are sent to configurating terminal；
Receive multiple premium influence factors corresponding with each insurance parent component that configurating terminal is sent.
3. according to the method described in claim 2, it is characterized in that, the method further includes：
The first information configuring request that service terminal is sent is received, the first information configuring request carries parent component and retouches State, multiple insurance subclass components and associated insurance responsibility component are obtained according to parent component description；
, will using multiple insurance subclass components and the information configuration page of associated insurance responsibility component generation insurance data information The described information configuration page is sent to service terminal, and the service terminal obtains one or more insurance on the information configuration page The corresponding selected operation of class component, and selected insurance subclass component is reconfigured with associated multiple insurance responsibility components Operation；
Chosen insurance subclass component and the insurance responsibility component that reconfigures that service terminal is sent are received, using being selected Insurance subclass component and the insurance responsibility component that reconfigures, generate self-defined insurance data information.
4. according to the method described in claim 2, it is characterized in that, the method further includes：
Utilize multiple insurance subclass components and associated insurance responsibility component generation standard insurance data information；
When receiving the second information configuration request of service terminal transmission, the second information configuration request carries client's mark Know the message identification with multiple standard insurance data information；Corresponding customer type is obtained according to the customer ID, according to institute State the application industry that message identification obtains multiple standard insurance data information；
Risk verification is carried out according to the combination of customer type and application industry to multiple standard insurance data information；
When being verified, combination policy data message is generated using multiple standard insurance data information.
5. the method according to claim 3 or 4, it is characterised in that the formula configuring request carries parent component mark Know；The step of obtaining multiple premium influence factors, including：
Corresponding premium influence factor is obtained according to parent component mark；
After the step of generation premium formula, the method further includes：
The subclass component mark or responsibility component mark carried according to the formula configuring request, by premium formula and corresponding guarantor Dangerous subclass component or insurance responsibility component are associated；
By the corresponding premium formula superposition of multiple insurance responsibility components, the corresponding premium formula of phase insurable subclass component is obtained, By the corresponding premium formula superposition of multiple insurance subclass components, the premium formula of corresponding insurance data information is obtained；
The corresponding premium formula of insurance data information is associated with corresponding insurance data information.
6. according to the method described in claim 1, it is characterized in that, the method further includes：
Receive the premium computation requests that service terminal is sent；The premium computation requests carry insure information and insurance data letter The message identification of breath；
Corresponding premium formula is obtained according to described information mark；The premium formula includes multiple premium factors；
First parameter value is extracted in the information of insuring according to the premium factor, the premium is determined according to first parameter value Corresponding second parameter value of the factor；
Second parameter value is inputted into premium formula, premium value is calculated, the premium value is back to service terminal.
7. according to the method described in claim 6, it is characterized in that, each calculation formula is associated with corresponding multiple parameters group； The parameter group includes the first parameter value and corresponding second parameter value；It is described to be carried according to the premium factor in the information of insuring The step of taking the first parameter value, corresponding second parameter value of the premium factor determined according to first parameter value, including：
Obtain the parameter group that the corresponding multiple calculation formula of premium formula are respectively associated；
According to the parameter group, corresponding first parameter value of each premium factor is extracted in the information of insuring；
The second parameter value corresponding with the first parameter value extracted is inquired about in parameter group.
8. a kind of configuration device of premium formula, including：
Configuring request module, for receiving the formula configuring request of configurating terminal transmission, obtains according to the formula configuring request Multiple premium influence factors；The premium influence factor is associated with corresponding calculation formula；
Formula describing module, for utilizing multiple premium influence factors generation formula configuration page；The formula configuration page bread Include list of factors；The formula configuration page is sent to configurating terminal, the configurating terminal obtain in list of factors one or The selected operation of multiple premium influence factors and the input operation of operator, and the operator using input and chosen guarantor Take influence factor generation formula description；
Formula concatenation module, the formula description sent for receiving the configurating terminal, is selected in being described according to the formula Premium influence factor obtain corresponding calculation formula, multiple calculation formula are spliced using operator, generation premium is public Formula.
9. a kind of computer equipment, including memory, processor and storage are on a memory and the meter that can run on a processor The step of calculation machine program, the processor realizes claim 1-7 any one the methods when performing the computer program.
10. a kind of computer-readable recording medium, is stored thereon with computer program, when which is executed by processor The step of realizing claim 1-7 any one the methods.
CN201711295815.7A 2017-12-08 2017-12-08 Collocation method, device, computer equipment and the storage medium of premium formula Pending CN107945030A (en)

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CN109035032A (en) * 2018-06-11 2018-12-18 中国平安人寿保险股份有限公司 Data structured processing method, device, computer equipment and storage medium
CN109214909A (en) * 2018-08-01 2019-01-15 平安科技（深圳）有限公司 Business commission settles accounts formula configuration method, server, system and storage medium
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CN109784706A (en) * 2019-01-03 2019-05-21 深圳壹账通智能科技有限公司 Numerical computation method, device, computer equipment and storage medium
CN113298584A (en) * 2020-04-30 2021-08-24 阿里巴巴集团控股有限公司 Data processing method, device and system
CN111626880A (en) * 2020-05-28 2020-09-04 泰康保险集团股份有限公司 Data processing method and device and server
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CN113643138A (en) * 2020-12-16 2021-11-12 北京车与车科技有限公司 Method and device for calculating and configuring personal insurance premium

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