CN108257014B - Method and device for creating underwriting flow - Google Patents
Method and device for creating underwriting flow Download PDFInfo
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- CN108257014B CN108257014B CN201611240476.8A CN201611240476A CN108257014B CN 108257014 B CN108257014 B CN 108257014B CN 201611240476 A CN201611240476 A CN 201611240476A CN 108257014 B CN108257014 B CN 108257014B
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Abstract
The invention discloses a method for creating an underwriting process, which comprises the following steps: in the process of establishing the underwriting process, receiving an attribute value interval divided by a user for an attribute to be configured in an attribute set; detecting whether the divided attribute value intervals contain the complete attribute value intervals of the attributes, wherein the intersection of the divided attribute value intervals is an empty set; if yes, generating an underwriting rule matched with the attribute according to the divided attribute value interval so as to complete the configuration of the attribute; and after all the attributes in the attribute set are configured, generating an underwriting flow according to a decision tree algorithm based on the generated underwriting rule. The invention also provides an underwriting process creating device. The invention solves the technical problems of low creation efficiency and low underwriting efficiency of underwriting flow in the prior art.
Description
Technical Field
The invention relates to the technical field of data processing, in particular to an underwriting process creating method and device.
Background
In an insurance service, when a new insurance service exists, corresponding underwriting flows need to be created for different service scenes according to the attribute set of the insurance service.
The existing way of creating the underwriting process is generally that underwriting personnel firstly sets the number of underwriting processes and the number of attributes under each underwriting process, and generally one underwriting process can include part or all attributes in an attribute set; and then setting attribute value intervals for each attribute to be configured under each underwriting process one by one, wherein one attribute and the attribute value interval configured for the attribute form an underwriting rule, however, as a plurality of business processes in a general insurance business exist, the number of underwriting rules in the configured underwriting process is large, and the phenomenon that the attribute value intervals of the underwriting rules are partially overlapped possibly exists among a plurality of underwriting processes created in the way, or a part of the attribute value intervals are not allocated to any underwriting process.
Due to the defects, the creation efficiency of the underwriting process is low, and when the corresponding underwriting process is matched for the applicant according to underwriting data, the underwriting process without matching completely or a plurality of underwriting processes are matched, so that the underwriting efficiency is low, and the order output efficiency of the policy is influenced.
Disclosure of Invention
The invention provides an underwriting process creating method and device, and mainly aims to solve the technical problems that the underwriting process creating efficiency is low and the underwriting efficiency is low in the prior art.
In order to achieve the above object, the present invention provides an underwriting process creating method, including:
in the process of establishing the underwriting process, receiving an attribute value interval divided by a user for an attribute to be configured in an attribute set;
detecting whether the divided attribute value intervals contain the complete attribute value intervals of the attributes, wherein the intersection of the divided attribute value intervals is an empty set;
if yes, generating an underwriting rule matched with the attribute according to the divided attribute value interval so as to complete the configuration of the attribute;
and after all the attributes in the attribute set are configured, generating an underwriting flow according to a decision tree algorithm based on the generated underwriting rule.
Optionally, after all the attributes in the attribute set are configured, the step of generating an underwriting flow according to a decision tree algorithm based on the generated underwriting rule includes:
selecting an underwriting rule of one attribute from the generated underwriting rules according to a preset rule as a root node of a decision tree, taking underwriting rules of other attributes except the selected attribute as sub-nodes of the decision tree, and generating underwriting flows according to a decision tree algorithm, wherein a plurality of connected sub-nodes in the decision tree form one underwriting flow, and the number of the generated underwriting flows is the product of the number of the underwriting rules corresponding to each attribute in an attribute set.
Optionally, after the step of detecting whether the divided attribute value intervals include a complete attribute value interval of the attribute and an intersection between the divided attribute value intervals is an empty set, the method for creating an underwriting process further includes:
when detecting that the attribute value interval with the attribute does not contain the complete attribute value interval of the attribute, determining a missing attribute value interval;
generating an attribute configuration interface based on the missing attribute value intervals, so that a user can supplement the missing attribute value intervals for the detected attributes based on the attribute configuration interface;
and receiving an attribute value interval supplemented based on the attribute configuration interface, and generating an underwriting rule of the attribute according to the supplemented attribute value interval.
Optionally, after the step of detecting whether the divided attribute value intervals include a complete attribute value interval of the attribute and an intersection between the divided attribute value intervals is an empty set, the method for creating an underwriting process further includes:
when detecting that the intersection of the attribute value intervals with the attributes is not an empty set, calculating the attribute value interval corresponding to the intersection;
and generating an attribute configuration interface based on the calculated attribute value interval so that a user can subdivide the attribute value interval for the detected attribute based on the attribute configuration interface.
Optionally, after the step of generating an underwriting flow according to a decision tree algorithm based on the generated underwriting rule after all the attributes in the attribute set are configured, the underwriting flow creating method further includes:
when an underwriting instruction is received, acquiring data to be underwrited according to the underwriting instruction;
matching the generated underwriting flow with the underwriting flow corresponding to the data to be underwrited and displaying the underwriting flow so that a user can create a policy based on the matched underwriting flow.
In addition, to achieve the above object, the present invention further provides an underwriting process creating device, including:
the data receiving module is used for receiving an attribute value interval divided by the attribute to be configured in the attribute set by the user in the process of establishing the underwriting process;
the data detection module is used for detecting whether the divided attribute value intervals contain the complete attribute value intervals of the attributes or not, and the intersection of the divided attribute value intervals is an empty set;
the rule generating module is used for generating an underwriting rule matched with the attribute according to the divided attribute value interval if the attribute value interval is the divided attribute value interval so as to complete the configuration of the attribute;
and the flow generation module is used for generating an underwriting flow according to a decision tree algorithm based on the generated underwriting rule after all the attributes in the attribute set are configured.
Optionally, the flow generating module is further configured to: selecting an underwriting rule of one attribute from the generated underwriting rules according to a preset rule as a root node of a decision tree, taking underwriting rules of other attributes except the selected attribute as sub-nodes of the decision tree, and generating underwriting flows according to a decision tree algorithm, wherein a plurality of connected sub-nodes in the decision tree form one underwriting flow, and the number of the generated underwriting flows is the product of the number of the underwriting rules corresponding to each attribute in an attribute set.
Optionally, the data detection module is further configured to: when detecting that the attribute value interval with the attribute does not contain the complete attribute value interval of the attribute, determining a missing attribute value interval;
the underwriting flow creating device further comprises:
the interface display module is used for generating an attribute configuration interface based on the missing attribute value interval so that a user can supplement the missing attribute value interval for the detected attribute based on the attribute configuration interface;
the rule generation module is further configured to: and receiving an attribute value interval supplemented based on the attribute configuration interface, and generating an underwriting rule of the attribute according to the supplemented attribute value interval.
Optionally, the data detection module is further configured to: when detecting that the intersection of the attribute value intervals with the attributes is not an empty set, calculating the attribute value interval corresponding to the intersection;
the interface display module is further configured to: and generating an attribute configuration interface based on the calculated attribute value interval so that a user can subdivide the attribute value interval for the detected attribute based on the attribute configuration interface.
Optionally, the underwriting process creating device further includes:
the data acquisition module is used for acquiring the data to be underwritten according to the underwriting instruction when the underwriting instruction is received;
and the process matching module is used for matching the generated underwriting process to the underwriting process corresponding to the data to be underwrited and displaying the underwriting process so that the user can create the policy based on the matched underwriting process.
The invention provides a method and a device for creating an underwriting process, which receive attribute value intervals divided by a user for attributes in an attribute set, detect whether the attribute value intervals divided for each attribute contain complete attribute intervals of the attribute and intersection sets among all the divided attribute value intervals are empty sets, if yes, generate underwriting rules matched with the attributes according to the divided attribute value intervals to complete the configuration of the attributes, after all the attributes in the attribute set are configured, generate underwriting processes according to a decision tree algorithm based on the generated underwriting rules, the attribute value intervals between the underwriting processes created in the way are not repeated, and for each attribute, all the attribute value intervals are allocated to the underwriting processes, namely, a plurality of created underwriting processes are complementary and mutually exclusive, when data to be underwrited are matched, in addition, the creation of the underwriting process is simple for underwriting personnel, the setting time of the attribute value is set, and the creation efficiency of the underwriting process is greatly improved.
Drawings
FIG. 1 is a flowchart of a first embodiment of a method for creating an underwriting process according to the present invention;
FIG. 2 is a schematic diagram of an embodiment of a decision tree for a business process of a car insurance;
FIG. 3 is a functional block diagram of a first embodiment of an underwriting process creating apparatus according to the present invention;
fig. 4 is a functional block diagram of an apparatus for creating an underwriting process according to a second embodiment of the present invention.
The implementation, functional features and advantages of the objects of the present invention will be further explained with reference to the accompanying drawings.
Detailed Description
It should be understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention.
The invention provides a method for creating an underwriting process. Referring to fig. 1, a flowchart of a first embodiment of an underwriting process creation method according to the present invention is shown.
In this embodiment, the method for creating an underwriting flow includes:
step S10, in the process of creating the underwriting flow, an attribute value interval divided by the attribute to be configured in the attribute set by the user is received.
Step S20, it is detected whether the divided attribute value intervals include a complete attribute value interval of the attribute, and an intersection between the divided attribute value intervals is an empty set.
And step S30, if yes, generating an underwriting rule matched with the attribute according to the divided attribute value interval so as to complete the configuration of the attribute.
In the embodiment of the invention, an attribute set is preset, the attribute set comprises a plurality of attributes, an underwriter can configure one or a plurality of attribute value intervals for each attribute, and after configuration is completed, the attribute and one attribute value interval can form an underwriting rule. Each attribute has a preset complete attribute value interval, and the complete attribute value interval is displayed on an attribute configuration interface so that a user can divide the attribute value interval for the attribute according to the complete attribute value interval when dividing the attribute value interval.
The following description will be made of the attribute set, the attribute value interval, and the underwriting rule by taking the car insurance service as an example: the vehicle insurance service is preset with a corresponding attribute set, the attribute set comprises a plurality of attributes, such as organization, vehicle age, vehicle type, insurance times, insurance amount and the like, for the attribute of the vehicle age, a preset complete attribute interval value is provided, such as 0-20 years, a user can divide the attribute into a plurality of attribute value intervals according to needs, such as 0-5 years, 5-10 years and 10-20 years, and the attribute of the vehicle age is combined with the divided three attribute value intervals to form three underwriting rules. The above numerical values are merely illustrative and are not intended to limit the present invention. It is understood that, for the attribute, the attribute value intervals are not necessarily all specific numbers, but may be other types of attribute values, for example, for the attribute of "vehicle type", the attribute value may be a specific vehicle type, such as "mini car", "three-compartment car", and the like.
After the user divides attribute value intervals for the attributes, whether the divided attribute value intervals accord with the following rules or not is detected: whether the attribute value intervals divided for the attribute contain the complete attribute value intervals of the attribute and the intersection between the attribute value intervals is an empty set. Taking the vehicle age as an example, the value of the complete attribute interval is 0-20 years, if the divided attribute value intervals are 0-5 years, 5-10 years and 10-20 years, the rule is met, if the attribute value intervals divided by the user are 0-5 years, 5-10 years and 12-20 years, the rule is not met, and the attribute value interval of 10-12 years is missing; or if the attribute value interval divided by the user is 0-5 years, 5-10 years and 8-20 years, the rule is not met, and the attribute value interval is repeated in 8-10 years, which causes the repeated partial attribute value interval to appear in two underwriting rules. Therefore, after the user divides the attribute value interval of the attribute, it needs to be checked to detect whether the attribute value interval meets the above rule.
The user can divide the attribute value interval for each attribute in the attribute set one by one according to the process, check one by one according to the rule, and generate an underwriting rule matched with the attribute according to the divided attribute value interval when the attribute value interval accords with the rule so as to complete the configuration of the attribute.
Further, when it is detected that the divided attribute value interval does not comply with the rule, the user is required to adjust the divided attribute value interval until it is detected that the divided attribute value interval complies with the rule.
And step S40, after all the attributes in the attribute set are configured, generating an underwriting flow according to a decision tree algorithm based on the generated underwriting rule.
After all attributes in the attribute set are configured, a plurality of underwriting rules are generated, and finally the number of the underwriting rules is larger than or equal to the number of the attributes in the attribute set. Based on the underwriting rules, underwriting flows are generated according to a decision tree algorithm, and the underwriting rules corresponding to each attribute are distributed to different underwriting flows.
Specifically, step S40 may include: selecting an underwriting rule of one attribute from the generated underwriting rules according to a preset rule as a root node of a decision tree, taking underwriting rules of other attributes except the selected attribute as sub-nodes of the decision tree, and generating underwriting flows according to a decision tree algorithm, wherein a plurality of connected sub-nodes in the decision tree form one underwriting flow, and the number of the generated underwriting flows is the product of the number of the underwriting rules corresponding to each attribute in an attribute set. For example, if there are four attributes a, b, c, and d in an attribute set and the number of corresponding underwriting rules is Na, Nb, Nc, and Nd, respectively, the number M of the underwriting flows finally formed in the attribute set is Na × Nb × Nc × Nd.
Referring to fig. 2, a schematic diagram of an embodiment of a decision tree of a business process of a car insurance is shown. The attributes of the car insurance service are concentrated with three attributes of a mechanism, a car age and a guarantee period, the complete attribute value interval of the mechanism attribute is Shanghai, and a user divides the attribute value interval into one attribute value interval; the complete attribute value interval of the vehicle age attribute is 0-20 years, and the user divides the vehicle age attribute into three attribute value intervals as shown in the figure; the attribute interval of the guarantee period is 0.5 year to two years, and the user divides the guarantee period into attribute value intervals. When a decision tree is established, an underwriting rule of the attribute of the mechanism is selected as a root node, underwriting rules of other attributes are selected as sub-nodes, and an underwriting process is formed according to an underwriting process generated by a decision tree algorithm, wherein a plurality of connected sub-nodes in the decision tree form an underwriting process, as shown in fig. 2, the mechanism is Shanghai, the vehicle age is 0-5 years, the guarantee period is 0.5-1 years, and the underwriting process is formed, the number of the underwriting processes finally generated by the decision tree is 6, that is, the number of the finally obtained underwriting processes is the product of the number of the underwriting rules corresponding to each attribute in an attribute set. The number of the decision trees is equal to the number of the selected root nodes, and because the mechanism attribute has only one attribute value interval, the corresponding underwriting rule is also only one, and the established decision tree is also only one.
Further, the method for creating an underwriting process also provides a method for trying the created underwriting process after the underwriting process is created, and specifically, the following steps are referred to:
when an underwriting instruction is received, acquiring data to be underwrited according to the underwriting instruction;
matching the generated underwriting flow with the underwriting flow corresponding to the data to be underwrited and displaying the underwriting flow so that a user can create a policy based on the matched underwriting flow.
And receiving data to be certified uploaded by a user, triggering a certification instruction based on the data to be certified, traversing the certification processes, and searching the certification processes matched with the data to be certified from the plurality of certification processes.
The underwriting process creating method provided by this embodiment receives attribute value intervals divided by a user for attributes in an attribute set, and detects whether the attribute value interval divided for each attribute includes a complete attribute interval of the attribute and an intersection between each divided attribute value interval is an empty set, if yes, an underwriting rule matched with the attribute is generated according to the divided attribute value intervals to complete configuration of the attribute, after configuration of all attributes in the attribute set is completed, an underwriting process is generated according to a decision tree algorithm based on the generated underwriting rule, the attribute value intervals between the underwriting processes created in this way are not repeated, and for each attribute, all the attribute value intervals are assigned to the underwriting processes, that is, a plurality of created underwriting processes are complementary and mutually exclusive, when data to be underwriting is matched, in addition, the creation of the underwriting process is simple for underwriting personnel, the setting time of the attribute value is set, and the creation efficiency of the underwriting process is greatly improved.
A second embodiment of the underwriting process creation method of the present invention is proposed based on the first embodiment. In this embodiment, after step S20, the method for creating an underwriting flow further includes:
when detecting that the attribute value interval with the attribute does not contain the complete attribute value interval of the attribute, determining a missing attribute value interval;
generating an attribute configuration interface based on the missing attribute value intervals, so that a user can supplement the missing attribute value intervals for the detected attributes based on the attribute configuration interface;
and receiving an attribute value interval supplemented based on the attribute configuration interface, and generating an underwriting rule of the attribute according to the supplemented attribute value interval.
In this embodiment, when it is detected that the divided attribute value interval does not contain the complete attribute value interval corresponding to the attribute, the missing attribute value interval is determined, taking the vehicle age as an example, the value of the complete attribute interval is 0-20 years, the attribute value intervals divided by the user are 0-5 years, 5-10 years and 12-20 years, the missing attribute value interval can be detected to be 10-12 years through calculation, an attribute configuration interface is displayed, and displays each attribute value interval that the user has divided, and the missing attribute value interval for 10-12 years, all the data are displayed in the form of edit boxes on the interface, so that the user can conveniently supplement the attribute value interval with the missing attribute, and when an attribute value interval supplemented by the user based on the interface is received, verifying again and generating the underwriting rule of the attribute after the verification is passed.
Further, after step S20, the underwriting flow creating method further includes:
when detecting that the intersection of the attribute value intervals with the attributes is not an empty set, calculating the attribute value interval corresponding to the intersection;
and generating an attribute configuration interface based on the calculated attribute value interval so that a user can subdivide the attribute value interval for the detected attribute based on the attribute configuration interface.
In this embodiment, when it is detected that the intersection between the divided attribute intervals is not an empty set, the attribute value interval corresponding to the intersection is calculated, taking the age of the vehicle as an example, the value of the complete attribute interval is 0-20 years, the attribute value intervals divided by the user are 0-5 years, 5-10 years and 8-20 years, it can be detected that there is an intersection between the two attribute value intervals of 5-10 years and 8-20 years through calculation, the attribute value interval corresponding to the intersection is calculated to be 8-10 years, an attribute configuration interface is displayed, the attribute value intervals divided by the user are displayed on the interface, and the repeated attribute value intervals are 8-10 years, the attribute value intervals are displayed on the interface in the form of edit boxes, so that the user can modify the two intervals of 5-10 years and 8-20 years, after the modification is completed, and verifying again and generating the underwriting rule of the attribute after the verification is passed.
In the above embodiments of the present invention, for convenience of describing the method for establishing an underwriting process based on the decision tree algorithm, simpler attributes and data are listed for description, but in the process of actually creating the underwriting process, underwriters may set an attribute set according to a specific insurance service and reasonably divide attribute value intervals, and the processes and principles thereof are the same.
According to the creating method of the underwriting process, when the divided attribute value intervals are repeated or missing, the missing or repeated parts are calculated so that the user can modify the divided attribute value intervals according to the calculation result, the creating process of the underwriting process is further simplified, and the creating efficiency of the underwriting process is improved.
The invention also provides an underwriting process creating device.
Fig. 3 is a functional module diagram of a first embodiment of an underwriting process creating apparatus according to the present invention.
In this embodiment, the underwriting flow creating device includes:
the data receiving module 10 is configured to receive an attribute value interval divided by an attribute to be configured in an attribute set by a user in a process of creating an underwriting flow.
And the data detection module 20 is configured to detect whether the divided attribute value intervals include a complete attribute value interval of the attribute, and an intersection between the divided attribute value intervals is an empty set.
And if so, generating an underwriting rule matched with the attribute according to the divided attribute value interval to complete the configuration of the attribute.
In the embodiment of the invention, an attribute set is preset, the attribute set comprises a plurality of attributes, an underwriter can configure one or a plurality of attribute value intervals for each attribute, and after configuration is completed, the attribute and one attribute value interval can form an underwriting rule. Each attribute has a preset complete attribute value interval, and the complete attribute value interval is displayed on an attribute configuration interface so that a user can divide the attribute value interval for the attribute according to the complete attribute value interval when dividing the attribute value interval.
The following description will be made of the attribute set, the attribute value interval, and the underwriting rule by taking the car insurance service as an example: the vehicle insurance service is preset with a corresponding attribute set, the attribute set comprises a plurality of attributes, such as organization, vehicle age, vehicle type, insurance times, insurance amount and the like, for the attribute of the vehicle age, a preset complete attribute interval value is provided, such as 0-20 years, a user can divide the attribute into a plurality of attribute value intervals according to needs, such as 0-5 years, 5-10 years and 10-20 years, and the attribute of the vehicle age is combined with the divided three attribute value intervals to form three underwriting rules. The above numerical values are merely illustrative and are not intended to limit the present invention. It is understood that, for the attribute, the attribute value intervals are not necessarily all specific numbers, but may be other types of attribute values, for example, for the attribute of "vehicle type", the attribute value may be a specific vehicle type, such as "mini car", "three-compartment car", and the like.
After the user divides attribute value intervals for the attributes, whether the divided attribute value intervals accord with the following rules or not is detected: whether the attribute value intervals divided for the attribute contain the complete attribute value intervals of the attribute and the intersection between the attribute value intervals is an empty set. Taking the vehicle age as an example, the value of the complete attribute interval is 0-20 years, if the divided attribute value intervals are 0-5 years, 5-10 years and 10-20 years, the rule is met, if the attribute value intervals divided by the user are 0-5 years, 5-10 years and 12-20 years, the rule is not met, and the attribute value interval of 10-12 years is missing; or if the attribute value interval divided by the user is 0-5 years, 5-10 years and 8-20 years, the rule is not met, and the attribute value interval is repeated in 8-10 years, which causes the repeated partial attribute value interval to appear in two underwriting rules. Therefore, after the user divides the attribute value interval of the attribute, it needs to be checked to detect whether the attribute value interval meets the above rule.
The user can divide the attribute value interval for each attribute in the attribute set one by one according to the process, check one by one according to the rule, and generate an underwriting rule matched with the attribute according to the divided attribute value interval when the attribute value interval accords with the rule so as to complete the configuration of the attribute.
Further, when it is detected that the divided attribute value interval does not comply with the rule, the user is required to adjust the divided attribute value interval until it is detected that the divided attribute value interval complies with the rule.
And the flow generation module 40 is configured to generate an underwriting flow according to a decision tree algorithm based on the generated underwriting rule after all the attributes in the attribute set are configured.
After all attributes in the attribute set are configured, a plurality of underwriting rules are generated, and finally the number of the underwriting rules is larger than or equal to the number of the attributes in the attribute set. Based on the underwriting rules, underwriting flows are generated according to a decision tree algorithm, and the underwriting rules corresponding to each attribute are distributed to different underwriting flows.
Specifically, the flow generating module 40 is further configured to: selecting an underwriting rule of one attribute from the generated underwriting rules according to a preset rule as a root node of a decision tree, taking underwriting rules of other attributes except the selected attribute as sub-nodes of the decision tree, and generating underwriting flows according to a decision tree algorithm, wherein a plurality of connected sub-nodes in the decision tree form one underwriting flow, and the number of the generated underwriting flows is the product of the number of the underwriting rules corresponding to each attribute in an attribute set. For example, if there are four attributes a, b, c, and d in an attribute set and the number of corresponding underwriting rules is Na, Nb, Nc, and Nd, respectively, the number M of the underwriting flows finally formed in the attribute set is Na × Nb × Nc × Nd.
Referring to fig. 2, a schematic diagram of an embodiment of a decision tree of a business process of a car insurance is shown. The attributes of the car insurance service are concentrated with three attributes of a mechanism, a car age and a guarantee period, the complete attribute value interval of the mechanism attribute is Shanghai, and a user divides the attribute value interval into one attribute value interval; the complete attribute value interval of the vehicle age attribute is 0-20 years, and the user divides the vehicle age attribute into three attribute value intervals as shown in the figure; the attribute interval of the guarantee period is 0.5 year to two years, and the user divides the guarantee period into attribute value intervals. When a decision tree is established, an underwriting rule of the attribute of the mechanism is selected as a root node, underwriting rules of other attributes are selected as sub-nodes, and an underwriting process is formed according to an underwriting process generated by a decision tree algorithm, wherein a plurality of connected sub-nodes in the decision tree form an underwriting process, as shown in fig. 2, the mechanism is Shanghai, the vehicle age is 0-5 years, the guarantee period is 0.5-1 years, and the underwriting process is formed, the number of the underwriting processes finally generated by the decision tree is 6, that is, the number of the finally obtained underwriting processes is the product of the number of the underwriting rules corresponding to each attribute in an attribute set. The number of the decision trees is equal to the number of the selected root nodes, and because the mechanism attribute has only one attribute value interval, the corresponding underwriting rule is also only one, and the established decision tree is also only one.
Further, the device for creating an underwriting flow may try the created underwriting flow after the underwriting flow is created, and specifically, the device for creating an underwriting flow further includes:
the data acquisition module is used for acquiring the data to be underwritten according to the underwriting instruction when the underwriting instruction is received;
and the process matching module is used for matching the generated underwriting process to the underwriting process corresponding to the data to be underwrited and displaying the underwriting process so that the user can create the policy based on the matched underwriting process.
The data acquisition module receives data to be verified and guaranteed uploaded by a user, and triggers a verification instruction based on the data to be verified and guaranteed, the flow matching module traverses the verification flow, and the verification flow matched with the data to be verified and guaranteed is searched from the verification flows.
The underwriting flow creating device proposed in this embodiment receives attribute value intervals divided by a user for attributes in an attribute set, detects whether the attribute value interval divided for each attribute includes a complete attribute interval of the attribute and an intersection between each divided attribute value interval is an empty set, if yes, generates an underwriting rule matched with the attribute according to the divided attribute value intervals to complete configuration of the attribute, and generates underwriting flows according to a decision tree algorithm based on the generated underwriting rule after configuration of all attributes in the attribute set is completed, and the attribute value intervals between the underwriting flows created in this way are not repeated, and for each attribute, all the attribute value intervals are allocated to the underwriting flows, that is, a plurality of created underwriting flows are complementary and mutually exclusive, when matching data to be underwriting, in addition, the creation of the underwriting process is simple for underwriting personnel, the setting time of the attribute value is set, and the creation efficiency of the underwriting process is greatly improved.
A second embodiment of the underwriting flow creation device of the present invention is proposed based on the first embodiment described above. In this embodiment, the data detection module 20 is further configured to: when detecting that the attribute value interval with the attribute does not contain the complete attribute value interval of the attribute, determining a missing attribute value interval;
referring to fig. 4, the underwriting flow creating apparatus further includes:
an interface display module 50, configured to generate an attribute configuration interface based on the missing attribute value interval, so that a user can supplement the missing attribute value interval for the detected attribute based on the attribute configuration interface;
the rule generation module 30 is further configured to: and receiving an attribute value interval supplemented based on the attribute configuration interface, and generating an underwriting rule of the attribute according to the supplemented attribute value interval.
In this embodiment, when it is detected that the divided attribute value interval does not contain the complete attribute value interval corresponding to the attribute, the missing attribute value interval is determined, taking the vehicle age as an example, the value of the complete attribute interval is 0-20 years, the attribute value intervals divided by the user are 0-5 years, 5-10 years and 12-20 years, the missing attribute value interval can be detected to be 10-12 years through calculation, an attribute configuration interface is displayed, and displays each attribute value interval that the user has divided, and the missing attribute value interval for 10-12 years, all the data are displayed in the form of edit boxes on the interface, so that the user can conveniently supplement the attribute value interval with the missing attribute, and when an attribute value interval supplemented by the user based on the interface is received, verifying again and generating the underwriting rule of the attribute after the verification is passed.
Further, the data detection module 20 is further configured to: when detecting that the intersection of the attribute value intervals with the attributes is not an empty set, calculating the attribute value interval corresponding to the intersection;
the interface display module 50 is further configured to: and generating an attribute configuration interface based on the calculated attribute value interval so that a user can subdivide the attribute value interval for the detected attribute based on the attribute configuration interface.
In this embodiment, when it is detected that the intersection between the divided attribute intervals is not an empty set, the attribute value interval corresponding to the intersection is calculated, taking the age of the vehicle as an example, the value of the complete attribute interval is 0-20 years, the attribute value intervals divided by the user are 0-5 years, 5-10 years and 8-20 years, it can be detected that there is an intersection between the two attribute value intervals of 5-10 years and 8-20 years through calculation, the attribute value interval corresponding to the intersection is calculated to be 8-10 years, an attribute configuration interface is displayed, the attribute value intervals divided by the user are displayed on the interface, and the repeated attribute value intervals are 8-10 years, the attribute value intervals are displayed on the interface in the form of edit boxes, so that the user can modify the two intervals of 5-10 years and 8-20 years, after the modification is completed, and verifying again and generating the underwriting rule of the attribute after the verification is passed.
In the above embodiments of the present invention, for convenience of describing the apparatus for establishing an underwriting process based on a decision tree algorithm in the present invention, simpler attributes and data are listed for description, but in the process of actually creating an underwriting process, underwriting personnel may set an attribute set according to a specific insurance service and reasonably divide attribute value intervals, and the processes and principles thereof are the same.
The creating device of the underwriting process according to this embodiment calculates the missing or repeated portion when the divided attribute value interval has repetition or missing, so that the user can modify the divided attribute value interval according to the calculation result, thereby further simplifying the creating process of the underwriting process and improving the creating efficiency of the underwriting process.
Through the above description of the embodiments, those skilled in the art will clearly understand that the method of the above embodiments can be implemented by software plus a necessary general hardware platform, and certainly can also be implemented by hardware, but in many cases, the former is a better implementation manner. Based on such understanding, the technical solutions of the present invention or portions thereof that contribute to the prior art may be embodied in the form of a software product, where the computer software product is stored in a storage medium (e.g., ROM/RAM, magnetic disk, optical disk), and includes several instructions for enabling a terminal device (e.g., a mobile phone, a computer, a cloud server, or a network device) to execute the method according to the embodiments of the present invention.
It should be noted that, in this document, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises the element.
In addition, the technical solutions in the embodiments may be combined with each other, but it must be based on the realization of those skilled in the art, and when the technical solutions are contradictory or cannot be realized, such a combination should be considered to be absent and not within the protection scope of the present invention.
The above description is only a preferred embodiment of the present invention, and not intended to limit the scope of the present invention, and all modifications of equivalent structures and equivalent processes, which are made by using the contents of the present specification and the accompanying drawings, or directly or indirectly applied to other related technical fields, are included in the scope of the present invention.
Claims (10)
1. An underwriting flow creating method, characterized in that the underwriting flow creating method comprises:
in the process of establishing the underwriting process, receiving an attribute value interval divided by a user for an attribute to be configured in an attribute set;
detecting whether the divided attribute value intervals contain the complete attribute value intervals of the attributes, wherein the intersection of the divided attribute value intervals is an empty set;
if yes, generating an underwriting rule matched with the attribute according to the divided attribute value interval so as to complete the configuration of the attribute;
and after all the attributes in the attribute set are configured, generating an underwriting flow according to a decision tree algorithm based on the generated underwriting rule.
2. The method for creating an underwriting process according to claim 1, wherein the step of generating the underwriting process according to a decision tree algorithm based on the generated underwriting rule after all the attributes in the attribute set are configured comprises:
selecting an underwriting rule of one attribute from the generated underwriting rules according to a preset rule as a root node of a decision tree, taking underwriting rules of other attributes except the selected attribute as sub-nodes of the decision tree, and generating underwriting flows according to a decision tree algorithm, wherein a plurality of connected sub-nodes in the decision tree form one underwriting flow, and the number of the generated underwriting flows is the product of the number of the underwriting rules corresponding to each attribute in an attribute set.
3. The method of claim 1, wherein after the step of detecting whether the divided attribute value intervals include a complete attribute value interval of the attribute and an intersection between the divided attribute value intervals is an empty set, the method further comprises:
when detecting that the attribute value interval with the attribute does not contain the complete attribute value interval of the attribute, determining a missing attribute value interval;
generating an attribute configuration interface based on the missing attribute value intervals, so that a user can supplement the missing attribute value intervals for the detected attributes based on the attribute configuration interface;
and receiving an attribute value interval supplemented based on the attribute configuration interface, and generating an underwriting rule of the attribute according to the supplemented attribute value interval.
4. The method of claim 3, wherein after the step of detecting whether the divided attribute value intervals include a complete attribute value interval of the attribute and an intersection between the divided attribute value intervals is an empty set, the method further comprises:
when detecting that the intersection of the attribute value intervals with the attributes is not an empty set, calculating the attribute value interval corresponding to the intersection;
and generating an attribute configuration interface based on the calculated attribute value interval so that a user can subdivide the attribute value interval for the detected attribute based on the attribute configuration interface.
5. The underwriting flow creation method according to any one of claims 1 to 4, wherein after the step of generating an underwriting flow according to a decision tree algorithm based on the generated underwriting rule after all the attributes in the attribute set are configured, the underwriting flow creation method further comprises:
when an underwriting instruction is received, acquiring data to be underwrited according to the underwriting instruction;
matching the generated underwriting flow with the underwriting flow corresponding to the data to be underwrited and displaying the underwriting flow so that a user can create a policy based on the matched underwriting flow.
6. An underwriting flow creation apparatus, characterized in that the underwriting flow creation apparatus comprises:
the data receiving module is used for receiving an attribute value interval divided by the attribute to be configured in the attribute set by the user in the process of establishing the underwriting process;
the data detection module is used for detecting whether the divided attribute value intervals contain the complete attribute value intervals of the attributes or not, and the intersection of the divided attribute value intervals is an empty set;
the rule generating module is used for generating an underwriting rule matched with the attribute according to the divided attribute value interval if the attribute value interval is the divided attribute value interval so as to complete the configuration of the attribute;
and the flow generation module is used for generating an underwriting flow according to a decision tree algorithm based on the generated underwriting rule after all the attributes in the attribute set are configured.
7. The underwriting process creation apparatus of claim 6, wherein the process generation module is further configured to: selecting an underwriting rule of one attribute from the generated underwriting rules according to a preset rule as a root node of a decision tree, taking underwriting rules of other attributes except the selected attribute as sub-nodes of the decision tree, and generating underwriting flows according to a decision tree algorithm, wherein a plurality of connected sub-nodes in the decision tree form one underwriting flow, and the number of the generated underwriting flows is the product of the number of the underwriting rules corresponding to each attribute in an attribute set.
8. The underwriting process creating device according to claim 6, wherein the data detection module is further configured to: when detecting that the attribute value interval with the attribute does not contain the complete attribute value interval of the attribute, determining a missing attribute value interval;
the underwriting flow creating device further comprises:
the interface display module is used for generating an attribute configuration interface based on the missing attribute value interval so that a user can supplement the missing attribute value interval for the detected attribute based on the attribute configuration interface;
the rule generation module is further configured to: and receiving an attribute value interval supplemented based on the attribute configuration interface, and generating an underwriting rule of the attribute according to the supplemented attribute value interval.
9. The underwriting process creating device according to claim 8, wherein the data detection module is further configured to: when detecting that the intersection of the attribute value intervals with the attributes is not an empty set, calculating the attribute value interval corresponding to the intersection;
the interface display module is further configured to: and generating an attribute configuration interface based on the calculated attribute value interval so that a user can subdivide the attribute value interval for the detected attribute based on the attribute configuration interface.
10. The underwriting flow creation device according to any one of claims 6 to 9, wherein the underwriting flow creation device further comprises:
the data acquisition module is used for acquiring the data to be underwritten according to the underwriting instruction when the underwriting instruction is received;
and the process matching module is used for matching the generated underwriting process to the underwriting process corresponding to the data to be underwrited and displaying the underwriting process so that the user can create the policy based on the matched underwriting process.
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| CN111652744B (en) * | 2020-05-28 | 2023-09-12 | 泰康保险集团股份有限公司 | Health insurance product configuration method, device, medium and equipment |
| CN114816147A (en) * | 2022-03-31 | 2022-07-29 | 北京达佳互联信息技术有限公司 | Object attribute processing method and device, electronic equipment and storage medium |
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