CN108520466B - Method for automatically matching commission fees and commission policies of insurance agency industry - Google Patents
Method for automatically matching commission fees and commission policies of insurance agency industry Download PDFInfo
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Abstract
The invention is suitable for the field of insurance agency industry, and provides a method for automatically matching commission charge and commission policy of the insurance agency industry, which comprises the following steps: a: recording the commission policy made by insurance company into a bill system; b: filling vehicle owner information, vehicle information, policyholder information, insured person information and dangerous type information in the order-out system, providing the information for an insurance company to confirm quotation, if the insurance company confirms that the result is successful, carrying out the next step, and if the insurance company confirms that the result is failed, returning to an order-out system filling interface; c: matching the quotation result confirmed by the insurance company with the commission policy; d: calculating the commission and commission through the matched commission policy; e: the calculation of the commission fee and commission is completed and returned to the bill out system filling interface. The technical problems that due to the fact that the commission policy is too complex, the traditional mode is manual calculation, efficiency is low, and mistakes are easy to make are solved.
Description
Technical Field
The invention belongs to the field of insurance agency industry, and particularly relates to a method for automatically matching commission fees and commission policies of the insurance agency industry.
Background
With the rapid development of the insurance finance field, especially in the current internet economic era of high-speed development, the traditional vehicle insurance application system cannot meet the development of actual insurance business. Particularly, the handling fee and the commission calculation are outstanding, are processed manually, have low efficiency and high error rate, and lead to frequent need of rework. The patent aims to solve the problems of commission charge and commission calculation in the insurance agency industry, and the computer system is used for replacing manual operation, so that the efficiency is improved, and data errors are avoided. The insurance agent company serves as a sales channel of the insurance company, the insurance agent company sells the policy, and the insurance company sells a fee (i.e., a commission fee) to the agent company. The insurance policy commission is calculated by a single junction, and the commission fee is the strong insurance premium and the strong insurance purchase rate + the commercial insurance premium and the commercial insurance purchase rate. While the agent sells fees (i.e., commissions) to the agent. The commission is also settled on an order basis. Because the commission policy is too complex, the traditional mode is manual calculation, the efficiency is low and errors are easy to occur.
Disclosure of Invention
The invention aims to provide a method for automatically matching commission charge and commission policy in insurance agency industry, aiming at solving the technical problems that the commission charge policy is too complex, the traditional mode is manual calculation, the efficiency is low and errors are easy to occur.
The invention is realized by the method for automatically matching the commission fee and commission policy of the insurance agency industry, which comprises the following steps:
a: recording the commission policy made by insurance company into a bill system;
b: filling vehicle owner information, vehicle information, policyholder information, insured person information and dangerous type information in the order-out system, providing the information for an insurance company to confirm quotation, if the insurance company confirms that the result is successful, carrying out the next step, and if the insurance company confirms that the result is failed, returning to an order-out system filling interface;
c: matching the quotation result confirmed by the insurance company with the commission policy;
d: calculating the commission and commission through the matched commission policy;
e: the calculation of the commission fee and commission is completed and returned to the bill out system filling interface.
The further technical scheme of the invention is as follows: the step C also comprises the following steps:
c1, matching the quotation result confirmed by the insurance company with the commission policy one by one, if only one match is successful, selecting the commission rate corresponding to the commission policy, if a plurality of matches are successful, selecting the commission rate of the commission policy which meets the condition and has the lowest commission rate in the commission policies, and if the match is failed, selecting the commission rate of the commission policy which has the lowest commission rate in all the commission policies.
The further technical scheme of the invention is as follows: the step D also comprises the following steps:
d1, calculating the commission fee according to the commission fee calculation formula "commission fee is insurance fee is bought, and the commission is calculated according to the commission calculation formula" commission fee is insurance fee is payment fee is insurance fee is payment rate is insurance fee is payment rate.
The invention has the beneficial effects that: the automatic data processing is realized by using a computer technology, manual operation is replaced, the working efficiency is improved, the data accuracy is improved, data errors are completely eradicated, and loss of enterprises is avoided.
Drawings
Fig. 1 is a block flow diagram of a method for automatically matching commission fees and commission policies of an insurance agency industry according to an embodiment of the present invention.
Detailed Description
Name interpretation:
and (4) handling fee: i.e., the cost of sales from the insurance company to the agent company. The handling fee is the insurance premium, the insurance purchase rate + the insurance premium, and the insurance purchase rate.
The commission is as follows: sales fees to agents from agents. Commission premium plus business premium.
Purchase rate: i.e., procedure rates from the insurance company to the agent. Including strong insurance purchase rate and commercial insurance purchase rate.
The external rate: i.e. the procedure rate of the agent to the agent. Including the paying-out rate of strong insurance and the paying-out rate of commercial insurance.
Fig. 1 shows a method for automatically matching commission fees and commission policies of an insurance agency industry, which comprises the following steps:
step S1: recording the commission policy made by insurance company into a bill system; the insurance company consults with the agent company to set a commission policy, the commission policy specifies a commission rate corresponding to each type of policy, the agent company inputs the commission policy into the agent company bill outlet system, and the system divides the commission policy into corresponding conditional expressions according to a specified format. The commission policy consists of policy type, purchase commission rate and release commission rate. The policy type is composed of conditional expressions. The conditional expression is a language which can be recognized by a computer system, and is convenient for the computer system to automatically recognize and calculate. A conditional expression consists of a condition field, a logical symbol, and a value. The logical symbols include: greater than, less than, equal to, not equal to, containing, not containing, set, or, and, yes, no, set equal to, set containing, intersection exists, and the like.
The insurance company commission policy table is as follows:
the table is the content of the commission charge policy table of the insurance company to the agent company, and shows the corresponding insurance and business insurance commission rates of each type of policy, which are used for calculating the commission charge. The insurance premium rates in the table correspond to insurance premium purchase rates in the system configuration, and the business insurance rates correspond to business insurance purchase rates in the system configuration. The handling fee is the insurance premium, the insurance purchase rate + the insurance premium, and the insurance purchase rate.
The commission policy given to the agent by the agent is shown below:
the table is the content of the commission charge policy table given to the agent by the agent company, and shows the corresponding insurance and business insurance procedure rates of each type of policy for calculating commission. The strong insurance rates in the table correspond to strong insurance premium rate in the system configuration, and the commercial insurance rates correspond to commercial insurance premium rate in the system configuration. The handling fee is the strong insurance premium, the strong insurance premium exterior rate + the commercial insurance premium, the commercial insurance premium exterior rate.
The system commission policy configuration table is as follows:
the table is a commission charge policy configuration table in the system, and comprises insurance company, policy type, insurance purchase rate, business insurance purchase rate, insurance external rate, business insurance external rate field and corresponding value. After the policy types are successfully matched, the system takes the strong insurance purchase rate and the commercial insurance purchase rate corresponding to the types to calculate the handling fee, and takes the strong insurance external rate and the commercial insurance external rate corresponding to the types to calculate the commission.
Step S2: filling vehicle owner information, vehicle information, policyholder information, insured person information and dangerous type information in the order-out system, providing the information for an insurance company to confirm quotation, if the insurance company confirms that the result is successful, carrying out the next step, and if the insurance company confirms that the result is failed, returning to an order-out system filling interface; the agent company order issuing person inputs the owner information, the vehicle information, the policyholder information, the insured person information, the dangerous type information, the insurance amount information and the insurance starting time information on an order issuing system interface of the agent company, the order issuing person submits the quotation on the order issuing system point of the agent company, the order issuing system submits the quotation (the insurance premium is calculated) to an insurance company system through an insurance company interface, and the quotation information is returned to the agent company system through the interface after the insurance company quotes (the insurance premium is calculated). The returned quote information includes owner information, vehicle information, policyholder information, insured person information, dangerous seed information, premium information, and insurance period information. The agent company system stores the data, receives the quotation result transmitted by the insurance company, judges the quotation settlement, if the received result is that the premium is not calculated, prompts the single person to modify the quotation information and then resubmit the quotation, and if the received result is that the premium amount is received, the system automatically calls the commission policy configuration table.
Step S3: matching the quotation result confirmed by the insurance company with the commission policy; after successful quotation, the system automatically matches all valid commission policies in the current time period below the mechanism to which the order-drawing account belongs. The quote information contains the conditions required for the commission policy match. The process of the commission policy matching is to check whether the conditions of each policy are satisfied. And if the quotation information meets the conditions corresponding to the policy, the matching is successful. If the quotation information does not meet the corresponding conditions of the policy, the quotation information is not matched.
Step S31, matching the quotation result confirmed by the insurance company with the commission policy one by one, if only one match is successful, selecting the commission rate corresponding to the commission policy, if a plurality of matches are successful, selecting the commission rate of the commission policy with the lowest commission rate in the commission policies meeting the conditions, and if the matches are failed, selecting the commission rate of the commission policy with the lowest commission rate in all the commission policies.
Step S4: calculating the commission and commission through the matched commission policy;
step S41, calculating the commission fee according to the commission fee calculation formula "commission fee insurance fee + commission insurance fee purchase rate", and calculating the commission according to the commission fee calculation formula "commission fee + commission insurance fee + commission fee payment rate".
Step S5: the calculation of the commission fee and commission is completed and returned to the bill out system filling interface.
The commission policy refers to the rate of commission given to the agent by the insurer. Different types of policy, different rates of commission fees. The commission policy contains a commission rate for each type of policy. The commission policy given by the insurance company is an electronic document that needs to be stored in the agent's system database. Since the policy type of the insurance company is natural language, human beings can understand but the computer system does not understand, resulting in the computer system being unable to process. To address this problem, we have developed a commission policy configuration function that breaks down the commission policy into rules that can be identified by a computer program. Policy information passed to our system by insurance companies is also stored in the computer system. The commission policy matching function obtains the relevant data of the insurance policy from the database for matching with the corresponding commission rules, and the commission and commission can be calculated after the matching is successful. If not, the rule with the lowest commission is selected.
The automatic data processing is realized by using a computer technology, manual operation is replaced, the working efficiency is improved, the data accuracy is improved, data errors are completely eradicated, and loss of enterprises is avoided.
The above description is only for the purpose of illustrating the preferred embodiments of the present invention and is not to be construed as limiting the invention, and any modifications, equivalents and improvements made within the spirit and principle of the present invention are intended to be included within the scope of the present invention.
Claims (1)
1. A method for automatically matching commission fees and commission policies of insurance agency industry is characterized in that: the method comprises the following steps:
a: recording the commission policy made by insurance company into a bill system;
b: filling vehicle owner information, vehicle information, policyholder information, insured person information and dangerous type information in the order-out system, providing the information for an insurance company to confirm quotation, if the insurance company confirms that the result is successful, carrying out the next step, and if the insurance company confirms that the result is failed, returning to an order-out system filling interface;
c: matching the quotation result confirmed by the insurance company with the commission policy; the step C also comprises the following steps:
c1, matching the quotation result confirmed by the insurance company with the commission policy one by one, if only one match is successful, selecting the commission rate corresponding to the commission policy, if a plurality of matches are successful, selecting the commission rate of the commission policy which meets the condition and has the lowest commission rate in the commission policies, and if the match is failed, selecting the commission rate of the commission policy which has the lowest commission rate in all the commission policies;
d: calculating the commission and commission through the matched commission policy; the step D also comprises the following steps:
d1, calculating the commission charge through a commission charge calculation formula of 'commission charge, insurance charge, commission procurement rate + business insurance charge, business insurance purchase rate', and calculating the commission through a commission calculation formula of 'commission charge, insurance charge, external rate + business insurance charge, external rate';
e: the calculation of the commission fee and commission is completed and returned to the bill out system filling interface.
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN111340639B (en) * | 2020-03-27 | 2023-08-01 | 泰康保险集团股份有限公司 | Settlement data processing method and device |
| CN111461902B (en) * | 2020-03-31 | 2023-12-15 | 泰康保险集团股份有限公司 | Premium processing method, device, equipment and computer readable storage medium |
| CN111681071B (en) * | 2020-05-25 | 2023-08-25 | 泰康保险集团股份有限公司 | Sub-fee data generation system and method, storage medium and electronic device |
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