CN109035033B - Information processing method and terminal for reduced-protection service - Google Patents
Information processing method and terminal for reduced-protection service Download PDFInfo
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- 230000010365 information processing Effects 0.000 title claims abstract description 17
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- 230000009467 reduction Effects 0.000 claims abstract description 109
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Abstract
The invention is applicable to the technical field of computers, and provides an information processing method and a terminal for a reduction and protection service, wherein the method comprises the following steps: acquiring a short risk reduction and protection request; the short insurance reduction and protection request comprises a policy identifier, a reduction and protection date and a reduction and protection number of the policy to which the short insurance to be reduced belongs; acquiring information of a policy according to a policy identifier contained in the short risk reduction and protection request; when the number of the reduced and protected parts is smaller than the number of the applied parts and the reduced and protected date is in the insurance period, calculating the cash value of the policy according to the information of the policy, the reduced and protected date and the reduced and protected parts; the same amount as the cash value of the policy is refunded to the user's collection account. The invention can reduce the short insurance, when the user wants to reduce the number of short insurance of the same type, the user does not need to repurchase the short insurance after the short insurance is repurchase, and the terminal does not need to process the service data generated by repurchase after the short insurance is repurchase, thereby reducing the data processing load of the terminal and improving the data processing efficiency of the terminal.
Description
Technical Field
The invention belongs to the technical field of computers, and particularly relates to an information processing method and terminal for a reduction and protection service.
Background
After purchasing insurance, the user may be refunded for various reasons, and the policy management system may calculate a refund amount according to the policy information. However, for short-term insurance with an insurance period less than or equal to one year, the policy management system cannot process the insurance reduction request of the short-term insurance, and the user cannot discard part of purchased short-term insurance of the same risk to reduce the score of the held short-term insurance, so that the customer requirement cannot be met in time.
For example, if the user wants to reduce the number of the short-term insurance of the same type held by the user after purchasing at least two short-term insurance of the same type and when the current time exceeds the hesitation period, the policy management system cannot respond to the request for the reduction of the number of short-term insurance of the same type, and the user needs to initiate a refund request to refund the unexpired premium of all the purchased short-term insurance, re-purchase the short-term insurance, and increase the data processing load of the policy management system.
Disclosure of Invention
In view of this, the embodiments of the present invention provide an information processing method and a terminal for a security-reducing service, so as to solve the problem in the prior art that, because a policy management system cannot process a security-reducing request of a short-term security, when a user wants to reduce the number of short-term security of the same type, the user needs to repurchase the short-term security after returning the security, and increase the data processing load of the security management system.
A first aspect of an embodiment of the present invention provides an information processing method for a reduced-protection service, including:
acquiring a short risk reduction and protection request; the short insurance reduction and protection request comprises a policy identifier of a policy to which the short insurance to be reduced belongs, a reduction and protection date and a reduction and protection part, wherein the value of the reduction and protection part is a positive integer;
acquiring information of a policy according to the policy identifier contained in the short risk reduction and protection request; the information of the insurance policy comprises an insurance seed identifier, an insurance period, an effective date, the number of insurance applications and user information of purchased short insurance;
when the number of reduced guaranty is smaller than the number of applied guaranty and the reduced guaranty date is within the insurance period, calculating the cash value of the guaranty form according to the information of the guaranty form, the reduced guaranty date and the reduced guaranty number;
refund the same amount as the cash value of the policy to the user's collection account.
A second aspect of an embodiment of the present invention provides a terminal comprising a memory, a processor and a computer program stored in the memory and executable on the processor, the processor implementing the following steps when executing the computer program:
acquiring a short risk reduction and protection request; the short insurance reduction and protection request comprises a policy identifier of a policy to which the short insurance to be reduced belongs, a reduction and protection date and a reduction and protection part, wherein the value of the reduction and protection part is a positive integer;
acquiring information of a policy according to the policy identifier contained in the short risk reduction and protection request; the information of the insurance policy comprises an insurance seed identifier, an insurance period, an effective date, the number of insurance applications and user information of purchased short insurance;
when the number of reduced guaranty is smaller than the number of applied guaranty and the reduced guaranty date is within the insurance period, calculating the cash value of the guaranty form according to the information of the guaranty form, the reduced guaranty date and the reduced guaranty number;
refund the same amount as the cash value of the policy to the user's collection account.
A third aspect of the embodiments of the present invention provides a computer readable storage medium storing a computer program which when executed by a processor performs the steps of:
acquiring a short risk reduction and protection request; the short insurance reduction and protection request comprises a policy identifier of a policy to which the short insurance to be reduced belongs, a reduction and protection date and a reduction and protection part, wherein the value of the reduction and protection part is a positive integer;
acquiring information of a policy according to the policy identifier contained in the short risk reduction and protection request; the information of the insurance policy comprises an insurance seed identifier, an insurance period, an effective date, the number of insurance applications and user information of purchased short insurance;
when the number of reduced guaranty is smaller than the number of applied guaranty and the reduced guaranty date is within the insurance period, calculating the cash value of the guaranty form according to the information of the guaranty form, the reduced guaranty date and the reduced guaranty number;
refund the same amount as the cash value of the policy to the user's collection account.
The information processing method and the terminal for implementing the reduced-protection service provided by the embodiment of the invention have the following beneficial effects:
according to the embodiment of the invention, when the terminal acquires the short insurance reduction and protection request and confirms to meet the reduction and protection requirement, the cash value of the policy is calculated according to the information of the policy, the reduction and protection date and the reduction and protection number of the number of copies, the cash value of the policy is returned to the collection account of the user, the short insurance can be reduced, when the user wants to reduce the number of copies of the short insurance of the same type, the user does not need to re-purchase the short insurance after returning, the terminal does not need to process the service data generated by re-purchasing the short insurance after returning, so that the data processing load of the terminal is reduced, and the data processing efficiency of the terminal is improved.
Drawings
In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the drawings that are needed in the embodiments or the description of the prior art will be briefly described below, it being obvious that the drawings in the following description are only some embodiments of the present invention, and that other drawings may be obtained according to these drawings without inventive effort for a person skilled in the art.
FIG. 1 is a flowchart of an implementation of an information processing method for a reduced security service according to an embodiment of the present invention;
FIG. 2 is a flowchart of an implementation of an information processing method for a reduced security service according to another embodiment of the present invention;
fig. 3 is a block diagram of a terminal according to an embodiment of the present invention;
fig. 4 is a schematic diagram of a terminal according to another embodiment of the present invention.
Detailed Description
The present invention will be described in further detail with reference to the drawings and examples, in order to make the objects, technical solutions and advantages of the present invention more apparent. It should be understood that the specific embodiments described herein are for purposes of illustration only and are not intended to limit the scope of the invention.
Referring to fig. 1, fig. 1 is a flowchart illustrating an implementation method of a reduced security service according to an embodiment of the present invention. In this embodiment, the execution subject of the information processing method of the security-reducing service is a terminal, which includes but is not limited to a smart phone, a tablet computer or a desktop computer. The information processing method of the reduced-protection service as shown in the figure may include:
s101: acquiring a short risk reduction and protection request; the short insurance reduction and protection request comprises a policy identifier of a policy to which the short insurance to be reduced belongs, a reduction and protection date and a reduction and protection number, wherein the value of the reduction and protection number is a positive integer.
When the client needs to handle the short insurance subtracting service, a service handling person can control the terminal to enter the login insurance management system, and the terminal obtains the unique identification of the client input by the service handling person through the interactive interface or obtains the unique identification of the client read and sent by the information identification equipment.
When the terminal obtains the unique identifier of the client, the unique identifier such as the identity card number of the client is used for inquiring the insurance policy associated with the unique identifier of the client, and when the insurance policy associated with the unique identifier of the client is found, the information of the searched insurance policy is displayed so that the business handling personnel can learn the insurance purchased by the client, so that the business handling personnel or the client can determine the short insurance required to be reduced from the insurance policy, and further the business handling personnel can select the insurance policy containing the short insurance required to be reduced from the insurance policy associated with the unique identifier of the client so as to trigger the short insurance reducing and protecting request through an interactive interface.
Or when the terminal obtains the unique identifier of the client, the terminal can also search the insurance purchased by the client associated with the unique identifier of the client according to the unique identifier of the client, and display the searched insurance purchased by the client, so that a business handling person or the client can determine the short insurance required to be reduced from the insurance, and further the business handling person can select an insurance policy containing the short insurance required to be reduced, so as to trigger a short insurance reduction request through an interactive interface.
The terminal acquires a short-risk reduction and protection request, wherein the short-risk reduction and protection request is used for requesting to reduce the number of the purchased short-risk. The short insurance reduction and protection request comprises a policy identifier of a policy to which the short insurance to be reduced belongs, a reduction and protection date and a reduction and protection number, and the value of the reduction and protection number is a positive integer. The policy identifier is unique; the warranty reduction date is the date when the short-risk warranty reduction request is triggered, and the number of warranty reduction parts is the number to be reduced.
S102: acquiring information of a policy according to the policy identifier contained in the short risk reduction and protection request; the information of the insurance policy comprises the risk identification, the insurance period, the effective date, the number of insurance applications and the user information of the purchased short insurance.
Because each policy has a unique policy identifier, the terminal can acquire the policy corresponding to the policy identifier according to the policy identifier contained in the short risk reduction and protection request, thereby acquiring the information of the policy. The information of the policy includes the risk identification of the purchased short risk, the duration of the insurance, the date of effectiveness, the number of applied insurance copies, and user information. The insurance period of the short insurance is less than or equal to one year, the number of insurance applications is the number of customers purchasing the short insurance, the user information is the information of the customers purchasing the short insurance, and the user information can comprise the unique identification, the age, the gender, the occupation and the like of the users.
When the terminal acquires the information of the insurance policy, the insurance policy is checked according to the number of the insurance reduction requests, the insurance reduction dates, the number of the insurance applications in the information of the insurance policy and the insurance period, so as to judge whether the insurance reduction requirements are met. Specifically, the terminal judges whether the number of reduced and guaranteed parts is smaller than the number of guaranteed parts by comparing the number of reduced and guaranteed parts; and determining the final guarantee date of the insurance policy according to the effective date of the insurance policy and the insurance period of the short insurance policy, and judging whether the reduced guarantee date is smaller than the final guarantee date of the insurance policy. For example, assuming that the effective date is 2018, 4, 1, and the insurance period is half a year, the final date of the policy is 2018, 10, 31.
When the terminal confirms that the number of the reduced protection is smaller than the number of the applied protection and the reduced protection date is smaller than the expiration date of the policy, the terminal judges that the policy is checked and passes, and S103 is executed; and when confirming that the reduction and protection score is larger than the number of the applied insurance copies or the reduction and protection date is larger than or equal to the aging date of the insurance policy, judging that the insurance policy is failed to be checked.
S103: and when the number of the reduced insurance copies is smaller than the number of the insurance copies and the reduced insurance date is within the insurance period, calculating the cash value of the insurance policy according to the information of the insurance policy, the reduced insurance date and the reduced number of the insurance copy.
In an embodiment, when the data base stores a premium table of each short insurance, and the premium table includes cash values corresponding to different effective insurance duration, the terminal calculates the effective insurance duration according to the obtained insurance duration and the effective insurance duration when confirming that the number of the insurance reduction is smaller than the number of the insurance reduction and the insurance reduction date is within the insurance duration, and queries the premium table according to the purchased dangerous seed identifier of the short insurance and the calculated effective insurance duration, thereby obtaining cash values matched with the dangerous seed identifier and the effective insurance duration, obtaining the cash value of the reduced short insurance, and then calculating the product between the cash value of the reduced short insurance and the number of the insurance reduction to obtain the cash value of the policy. The cash value of the policy is the amount that needs to be refunded to the customer. The number of the reduced and protected parts is a positive integer.
The database may be a local database or a non-local database, for example, a cloud database. The minimum unit of the effective duration of the application may be a day, a month or a quarter, and when the minimum unit of the effective duration of the application is a month, if the time period between the effective date and the reduced date is less than one month, the effective date and the reduced date are calculated according to one month; when the minimum unit of valid duration of the application is a quarter, if the period of time between the effective date and the reduced date is less than one quarter, then it is calculated by one quarter.
In another embodiment, when the policy table of each short risk is stored in the database, and the policy table of each short risk is stored with the policy of each short risk and the penalty factor of each short risk (the value of the penalty factor is smaller than 1 and larger than zero), the terminal may obtain the penalty factor of the short risk and purchase a policy of the short risk according to the risk identification of the short risk, calculate the effective application time proportion according to the obtained reduced-insurance date and effective-application time proportion, calculate an unexpired net-insurance fee of the short risk according to the policy of the short risk and the effective application time proportion, and then calculate the product among the unexpired net-insurance fee of the short risk, the obtained penalty factor and the reduced-insurance number to obtain the cash value of the policy.
Assuming that the premium of an insurance is a, the effective application duration between the reduced and validated dates is 3 months, the effective application time ratio is 3/12=1/4, and the unexpired net premium is: a× (1-1/4) =0.75a.
It will be appreciated that in this embodiment, the penalty factor of each short risk is fixed, and in other embodiments, each short risk may correspond to multiple penalty factors, for example, the penalty factor corresponds to the effective duration, the shorter the effective duration, the larger the penalty factor corresponding to the user information, and the penalty factor of the risk is determined by the age, sex, occupation of the user.
S104: refund the same amount as the cash value of the policy to the user's collection account.
The terminal may query the payment record of the policy according to the policy identification, obtain the user's funds account from the payment record and identify it as the user's (customer's) account to be collected, and notify the funds management server to refund the same amount as the cash value of the policy to the user's account to be collected. The funds account may be a bank card number, a WeChat account, or a Payment Bao account, etc.
The terminal may also acquire a customer reserved collection account and notify the funds management server to refund the same amount as the cash value of the policy to the reserved collection account.
According to the scheme, when the terminal acquires the short insurance reduction protection request and confirms to meet the reduction protection requirement, the cash value of the policy is calculated according to the information of the policy, the reduction protection date and the reduction protection number of the number of copies, the cash value identical to the cash value of the policy is returned to the collection account of the user, the short insurance can be reduced, when the user wants to reduce the number of copies of the short insurance of the same type, the user does not need to re-purchase the short insurance after returning the short insurance, the terminal does not need to process service data generated by re-purchasing the short insurance after returning the short insurance, and therefore the data processing load of the terminal is reduced, and the data processing efficiency of the terminal is improved.
Referring to fig. 2, fig. 2 is a flowchart illustrating an implementation method of a reduced security service according to another embodiment of the present invention. In this embodiment, the execution subject of the information processing method of the security-reducing service is a terminal, which includes but is not limited to a smart phone, a tablet computer or a desktop computer. The information processing method of the reduced-protection service as shown in the figure may include:
s201: acquiring a short risk reduction and protection request; the short insurance reduction and protection request comprises a policy identifier of a policy to which the short insurance to be reduced belongs, a reduction and protection date and a reduction and protection number, wherein the value of the reduction and protection number is a positive integer.
In this embodiment, S201 is the same as S101 in the previous embodiment, and specific reference is made to the description of S101 in the previous embodiment, which is not limited herein.
S202: acquiring information of a policy according to the policy identifier contained in the short risk reduction and protection request; the information of the insurance policy comprises the risk identification, the insurance period, the effective date, the number of insurance applications and the user information of the purchased short insurance.
In this embodiment, S202 is the same as S102 in the previous embodiment, and please refer to the description of S102 in the previous embodiment, which is not limited herein.
When the terminal confirms that the number of the reduced protection is smaller than the number of the applied protection and the reduced protection date is smaller than the expiration date of the policy, the terminal judges that the policy is checked and passes, and S203 is executed; and when confirming that the reduction and protection score is larger than the number of the applied insurance copies or the reduction and protection date is larger than or equal to the aging date of the insurance policy, judging that the insurance policy is failed to be checked.
S203: and when the number of reduced insurance copies is smaller than the number of insurance copies and the reduced insurance date is within the insurance period, determining a present price calculation strategy according to the dangerous seed identification in the information of the insurance policy.
The short risk with surviving gold and the short risk without surviving gold are respectively corresponding to the present price calculation strategies.
The terminal equipment detects whether the dangerous seed corresponding to the dangerous seed identifier has survival gold according to the dangerous seed identifier of the short danger, specifically, the terminal can search the dangerous seed identifier of the short danger from a dangerous seed list with survival gold in a database, when the dangerous seed identifier of the short danger is searched, the short danger is judged to have survival gold, and a cash value spot calculation strategy for calculating the short danger based on the survival gold is obtained; when the dangerous seed identification of the short risk is not found, judging that the short risk does not have survival gold, and acquiring a present price calculation strategy which does not need to calculate the cash value of the short risk based on the survival gold.
Further, when the risk corresponding to the risk identifier does not have the survival gold, the expression of the present price calculation strategy is as follows:
CV is the cash value of the policy, SBCV is the initial cash value of the standard period, SECV is the final cash value of the standard period, and t is the existence of the policyThe effective insurance time proportion, t is determined by effective date, reduced insurance date and insurance period, N is the number of reduced insurance, UNP is the short term net premium, PF is penalty factor and PF E (0, 1), SAP is standard year premium, WBFI is standard year weak body premium, PFI is standard year professional premium, N is the number of insurance, ET is the short term net premium coefficient and ET E (0, 1), TCR is the short term net premium time conversion proportion, IFS is dangerous seed state factor of 0 or 1, IFS=1 when the short term policy state is effective state, IFS=0 when the short term policy state is invalid, the invalid state means that the policy has been invalidated, for example, the current date exceeds the insurance period of the policy;
representation->
The operation result of (2) reserves two decimal places; />
Representation of
The operation result of (2) retains two decimal places.
The terminal can determine whether the policy state is an invalid state or an effective state through a policy state identifier, wherein the policy state identifier can be used for indicating the invalid state by 0 and the effective state by 1.
The effective coverage time ratio is the ratio between the effective coverage time and the insurance duration. The effective guarantee duration refers to a time period between the guarantee reduction date and the effective date, the minimum unit of the effective guarantee duration can be a day, a month or a quarter, and when the minimum unit of the effective guarantee duration is a month, if the time period between the effective date and the guarantee reduction date is less than one month, the effective guarantee duration is calculated according to one month; when the minimum unit of valid duration of the application is a quarter, if the period of time between the effective date and the reduced date is less than one quarter, then it is calculated by one quarter.
Unexpired net premium time conversion ratio = (insurance period-effective applied duration)/insurance period.
Further, when the risk corresponding to the risk identifier has a survival gold, the expression of the present price calculation strategy is as follows:
It will be appreciated that in this embodiment, the calculation result of the cash value of the ticket is kept in two decimal places according to the rounding principle, and in other embodiments, the calculation result may be set according to actual needs, and one decimal place may be kept, and 3 or more decimal places may be kept, which is not limited herein.
S204: and calculating the cash value of the policy according to the present price calculation strategy, the information of the policy, the reduced protection date and the reduced protection number of the copies.
The terminal determines the value of each parameter contained in the present price calculation strategy according to the information of the policy and the reduced protection date, so as to substitute the value of each parameter and the reduced protection number into the expression of the present price calculation strategy to calculate the cash value of the policy.
For example, the terminal queries the present price table from the database according to the risk identification of the short risk contained in the information of the policy, thereby obtaining the present price table of the risk, and obtains the target information from the present price table of the risk according to the user information contained in the information of the policy, wherein the target information comprises the standard initial cash value, the standard final cash value, the penalty factor, the standard annual premium, the standard annual weak premium and the standard annual professional premium of the purchased short risk.
Wherein, a punishment factor of a short risk is fixed, a short risk can also correspond to a plurality of punishment factors, for example, the punishment factor corresponds to the effective application duration, the shorter the effective application duration of the insurance policy is, the larger the punishment factor corresponding to the effective application duration is, the punishment factor can also correspond to the user information, and one punishment factor is determined by the age, sex and occupation of the user. The standard annual weak charge is related to the age of the customer and the standard annual professional charge is related to the age of the customer.
The terminal may calculate an effective duration of the application according to the reduction date and an effective date included in the information of the policy, where the effective duration of the application refers to a time period between the reduction date and the effective date, calculates a ratio between the effective duration of the application and the insurance period according to the effective duration of the application and the insurance period included in the information of the policy, obtains an effective duration ratio, and calculates an unexpired net premium time conversion ratio according to the effective duration of the application and the insurance period included in the information of the policy, where the unexpired net premium time conversion ratio= (insurance period-effective duration)/insurance period.
When the short risk has survival gold, the terminal can also obtain the survival gold coefficient by the risk identification of the short risk, and calculate the survival gold of the risk according to the obtained premium and the survival gold coefficient according to the premium contained in the information of the policy. Gold survival = guard x gold survival coefficient, for example: the guard is 10000 and the coefficient is 120%, then survival gold=10000×1.2=12000.
Further, when the expression of the present price calculation strategy is that
The terminal needs the values of the following parameters:
the purchased short insurance has a standard initial cash value, a standard end cash value, a penalty factor, a standard annual premium, a non-expiration net premium time conversion rate, and an effective applied time rate for the policy. Wherein, punishment factors, standard annual premium, standard annual weak premium, standard annual professional premium, unexpired net premium time conversion ratio and effective applied time ratio of policy are used to calculate unexpired net premium.
When the expression of the present price calculation strategy is
When the terminal needs to determine the values of the following parameters:
the method comprises the steps of purchasing standard initial cash value, standard final cash value, punishment factor, standard annual premium, premature net premium time conversion proportion, effective insurance time proportion of insurance policy and survival gold of short insurance.
S205: refund the same amount as the cash value of the policy to the user's collection account.
The terminal may query the payment record of the policy according to the policy identification, obtain the user's funds account from the payment record and identify it as the user's (customer's) account to be collected, and notify the funds management server to refund the same amount as the cash value of the policy to the user's account to be collected. The funds account may be a bank card number, a WeChat account, or a Payment Bao account, etc.
The terminal may also acquire a customer reserved collection account and notify the funds management server to refund the same amount as the cash value of the policy to the reserved collection account.
It will be appreciated that the terminal may also update the information of the policy when returning customer policy, for example, updating the number of applications in the policy based on the number of reduced policies. The updated number of the insuring parts is the remaining number of the insuring parts.
Optionally, after S205, S206 may further be included: generating a reduction record based on the short risk reduction request and the refund amount; wherein the warranty record is used for verification.
The terminal may generate a reduction record based on the policy identification, the reduction date, the reduction number of copies, the returned cash value, and the collection account in the short risk reduction request to later check or verify whether the returned amount is incorrect.
According to the scheme, when the terminal acquires the short insurance reduction protection request and confirms to meet the reduction protection requirement, the cash value of the policy is calculated according to the information of the policy, the reduction protection date and the reduction protection number of the number of copies, the cash value identical to the cash value of the policy is returned to the collection account of the user, the short insurance can be reduced, when the user wants to reduce the number of copies of the short insurance of the same type, the user does not need to re-purchase the short insurance after returning the short insurance, the terminal does not need to process service data generated by re-purchasing the short insurance after returning the short insurance, and therefore the data processing load of the terminal is reduced, and the data processing efficiency of the terminal is improved.
The terminal generates the reduction and protection record based on the short risk reduction and protection request and the refund amount, can provide verification basis, and is convenient for management personnel to correct errors.
It should be understood that the sequence number of each step in the foregoing embodiment does not mean that the execution sequence of each process should be determined by the function and the internal logic, and should not limit the implementation process of the embodiment of the present invention.
Referring to fig. 3, fig. 3 is a block diagram of a terminal according to an embodiment of the present invention, where each unit included in the terminal is configured to perform each step in the embodiments corresponding to fig. 1 to fig. 2. Refer specifically to fig. 1 and fig. 2 for related descriptions in the respective embodiments. For convenience of explanation, only the portions related to the present embodiment are shown. Referring to fig. 3, the terminal 3 includes:
a request information acquiring unit 310, configured to acquire a short risk reduction protection request; the short insurance reduction and protection request comprises a policy identifier of a policy to which the short insurance to be reduced belongs, a reduction and protection date and a reduction and protection part, wherein the value of the reduction and protection part is a positive integer;
a policy information obtaining unit 320, configured to obtain information of a policy according to the policy identifier included in the short risk reduction and protection request; the information of the insurance policy comprises an insurance seed identifier, an insurance period, an effective date, the number of insurance applications and user information of purchased short insurance;
a calculating unit 330, configured to calculate a cash value of the policy according to the information of the policy, the reduced number of copies, and the reduced number of copies when the reduced number of copies is less than the number of copies of the application and the reduced number of copies is within the insurance period;
and a payment unit 340 for refunding the same amount as the cash value of the policy to a collection account of the user.
Further, the user information includes age, gender, and occupation; the calculation unit 330 includes:
a determining unit, configured to determine a present price calculation policy according to the risk identification in the information of the policy;
and the cash value calculation unit is used for calculating the cash value of the policy according to the present price calculation policy, the information of the policy, the reduced and guaranteed date and the reduced and guaranteed number of the policy.
Further, when the risk corresponding to the risk identifier does not have survival gold, the expression of the present price calculation strategy is as follows:
CV is the cash value of the policy, SBCV is the standard initial cash value, SECV is the standard end cash value, t is the effective application time proportion of the policy, t is determined by the effective date, the reduced date and the insurance period, N is the reduced number of copies, UNP is the less than full-term net premium, PF is a penalty factor and PF E (0, 1), SAP is the standard annual premium, WBFI is the standard annual weak pay, PFI is the standard annual professional pay, N is the application number, ET is the less than full-term net premium coefficient and ET E (0, 1), TCR is the less than full-term net premium time conversion proportion, IFS is the dangerous state factor 0 or 1, IFS=1 when the short-term policy state is the effective state, IFS=0 when the policy state is the ineffective state,
representation of
The operation result of (2) reserves two decimal places;
Further, when the risk corresponding to the risk identifier has a survival gold, the expression of the present price calculation strategy is as follows:
Optionally, the terminal may further include:
a reduction and protection record generation unit, configured to generate a reduction and protection record based on the short risk reduction and protection request and the refund amount; wherein the warranty record is used for verification.
Referring to fig. 4, fig. 4 is a schematic diagram of a terminal according to another embodiment of the invention. As shown in fig. 4, the terminal 4 of this embodiment includes: a processor 40, a memory 41 and a computer program 42, such as a control program of a terminal, stored in said memory 41 and being executable on said processor 40. The steps in the above-described embodiments of the information processing method of the respective reduced-security services are implemented when the processor 40 executes the computer program 42, for example, S101 to S104 shown in fig. 1. Alternatively, the processor 40, when executing the computer program 42, performs the functions of the units in the above-described device embodiments, for example, the functions of the units 310 to 340 shown in fig. 3.
Illustratively, the computer program 42 may be partitioned into one or more units that are stored in the memory 41 and executed by the processor 40 to complete the present invention. The one or more elements may be a series of computer program instruction segments capable of performing a specific function describing the execution of the computer program 42 in the terminal 4. For example, the computer program 42 may be divided into a request information acquisition unit, a policy information acquisition unit, a calculation unit, a payment unit, a reduction-protection record generation unit, and the like, each unit having a specific function as described above.
The terminal may include, but is not limited to, a processor 40, a memory 41. It will be appreciated by those skilled in the art that fig. 4 is merely an example of the terminal 4 and is not limiting of the terminal 4, and may include more or fewer components than shown, or may combine some components, or different components, e.g., the terminal may further include input and output devices, network access devices, buses, etc.
The processor 40 may be a central processing unit (Central Processing Unit, CPU), other general purpose processors, digital signal processors (Digital Signal Processor, DSP), application specific integrated circuits (Application Specific Integrated Circuit, ASIC), off-the-shelf programmable gate arrays (Field-Programmable Gate Array, FPGA) or other programmable logic devices, discrete gate or transistor logic devices, discrete hardware components, or the like. A general purpose processor may be a microprocessor or the processor may be any conventional processor or the like.
The memory 41 may be an internal storage unit of the terminal 4, such as a hard disk or a memory of the terminal 4. The memory 41 may also be an external storage device of the terminal 4, such as a plug-in hard disk, a Smart Media Card (SMC), a Secure Digital (SD) Card, a Flash memory Card (Flash Card) or the like, which are provided on the terminal 4. Further, the memory 41 may also include both an internal storage unit and an external storage device of the terminal 4. The memory 41 is used for storing the computer program as well as other programs and data required by the terminal. The memory 41 may also be used for temporarily storing data that has been output or is to be output.
The above embodiments are only for illustrating the technical solution of the present invention, and not for limiting the same; although the invention has been described in detail with reference to the foregoing embodiments, it will be understood by those of ordinary skill in the art that: the technical scheme described in the foregoing embodiments can be modified or some technical features thereof can be replaced by equivalents; such modifications and substitutions do not depart from the spirit and scope of the technical solutions of the embodiments of the present invention, and are intended to be included in the scope of the present invention.
Claims (6)
1. An information processing method of a reduction and protection service is characterized by comprising the following steps:
acquiring a short risk reduction and protection request; the short insurance reduction and protection request comprises a policy identifier of a policy to which the short insurance to be reduced belongs, a reduction and protection date and a reduction and protection part, wherein the value of the reduction and protection part is a positive integer;
acquiring information of a policy according to the policy identifier contained in the short risk reduction and protection request; the information of the insurance policy comprises an insurance seed identifier, an insurance period, an effective date, the number of insurance applications and user information of purchased short insurance; the user information includes age, gender and occupation;
when the number of reduced guaranty is smaller than the number of applied guaranty and the reduced guaranty date is within the insurance period, calculating the cash value of the guaranty form according to the information of the guaranty form, the reduced guaranty date and the reduced guaranty number; when the number of reduced guaranty is smaller than the number of applied guaranty and the reduced guaranty date is within the insurance period, calculating a cash value of the guaranty form according to the information of the guaranty form, the reduced guaranty date and the reduced guaranty number, including: determining a present price calculation strategy according to the dangerous seed identification in the information of the policy; calculating the cash value of the policy according to the present price calculation strategy, the information of the policy, the reduced and guaranteed date and the reduced and guaranteed number of copies;
refund the same amount as the cash value of the policy to a collection account of the user; when the dangerous seed corresponding to the dangerous seed identifier does not have survival gold, the expression of the present price calculation strategy is as follows:
CV is the cash value of the policy, SBCV is the standard initial cash value, SECV is the standard end cash value, t is the effective application time proportion of the policy, t is determined by the effective date, the reduced date and the insurance period, N is the reduced number of copies, UNP is the less than full-term net premium, PF is a penalty factor and PF E (0, 1), SAP is the standard annual premium, WBFI is the standard annual weak pay, PFI is the standard annual professional pay, N is the application number, ET is the less than full-term net premium coefficient and ET E (0, 1), TCR is the less than full-term net premium time conversion proportion, IFS is the dangerous state factor 0 or 1, IFS=1 when the short-term policy state is the effective state, IFS=0 when the short-term policy state is the ineffective state,
representation of
The operation result of (2) reserves two decimal places; />
Representation->
The operation result of (2) retains two decimal places.
2. The information processing method of a reduced security service according to claim 1, wherein when the risk corresponding to the risk identification has a survival gold, an expression of the present price calculation policy is as follows:
wherein,,
the SG is the gold for survival and is used for the treatment of the dead,
representation->
The operation result of (2) retains two decimal places.
3. The information processing method of the reduced security service according to any one of claims 1 to 2, characterized by further comprising, after refunding the same amount as the cash value of the policy to a collection account of the user:
generating a reduction record based on the short risk reduction request and the refund amount; wherein the warranty record is used for verification.
4. A terminal comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, the processor implementing the steps of when executing the computer program:
acquiring a short risk reduction and protection request; the short insurance reduction and protection request comprises a policy identifier of a policy to which the short insurance to be reduced belongs, a reduction and protection date and a reduction and protection part, wherein the value of the reduction and protection part is a positive integer;
acquiring information of a policy according to the policy identifier contained in the short risk reduction and protection request; the information of the insurance policy comprises an insurance seed identifier, an insurance period, an effective date, the number of insurance applications and user information of purchased short insurance; the user information includes age, gender and occupation;
when the number of reduced guaranty is smaller than the number of applied guaranty and the reduced guaranty date is within the insurance period, calculating the cash value of the guaranty form according to the information of the guaranty form, the reduced guaranty date and the reduced guaranty number; when the number of reduced guaranty is smaller than the number of applied guaranty and the reduced guaranty date is within the insurance period, calculating a cash value of the guaranty form according to the information of the guaranty form, the reduced guaranty date and the reduced guaranty number, including: determining a present price calculation strategy according to the dangerous seed identification in the information of the policy; calculating the cash value of the policy according to the present price calculation strategy, the information of the policy, the reduced and guaranteed date and the reduced and guaranteed number of copies;
refund the same amount as the cash value of the policy to a collection account of the user; when the dangerous seed corresponding to the dangerous seed identifier does not have survival gold, the expression of the present price calculation strategy is as follows:
CV is the cash value of the policy, SBCV is the standard initial cash value, SECV is the standard end cash value, t is the effective application time proportion of the policy, t is determined by the effective date, the reduced date and the insurance period, N is the reduced number of copies, UNP is the less than full-term net premium, PF is a penalty factor and PF E (0, 1), SAP is the standard annual premium, WBFI is the standard annual weak pay, PFI is the standard annual professional pay, N is the application number, ET is the less than full-term net premium coefficient and ET E (0, 1), TCR is the less than full-term net premium time conversion proportion, IFS is the dangerous state factor 0 or 1, IFS=1 when the short-term policy state is the effective state, IFS=0 when the short-term policy state is the ineffective state,
representation of
The operation result of (2) reserves two decimal places; />
Representation->
The operation result of (2) retains two decimal places.
5. The terminal of claim 4, wherein when the risk corresponding to the risk identification has a gold-on-live, the present price calculation policy is expressed as follows:
wherein,,
SG is gold for survival, and is treated by->
Representation->
The operation result of (2) retains two decimal places.
6. A computer readable storage medium storing a computer program, characterized in that the computer program when executed by a processor implements the steps of the method according to any one of claims 1 to 3.
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| CN111091468B (en) * | 2019-11-14 | 2023-08-22 | 泰康保险集团股份有限公司 | Policy data processing method and device, storage medium and electronic equipment |
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| CN106886946A (en) * | 2017-02-24 | 2017-06-23 | 泰康保险集团股份有限公司 | For the method and system that declaration form surrender is calculated |
| CN107316242A (en) * | 2016-04-27 | 2017-11-03 | 平安科技（深圳）有限公司 | The method and apparatus that control premium is shared |
| CN107784592A (en) * | 2017-04-06 | 2018-03-09 | 平安科技（深圳）有限公司 | Insurance money computational methods and device |
| CN108133424A (en) * | 2018-01-12 | 2018-06-08 | 中国平安人寿保险股份有限公司 | A kind of surrender method, terminal device and storage medium |
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| US20050240517A1 (en) * | 2004-04-23 | 2005-10-27 | Rga Reinsurance Company | Automatically administering a non-disinvesting policy loan on an insurance contract |
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| CN107316242A (en) * | 2016-04-27 | 2017-11-03 | 平安科技（深圳）有限公司 | The method and apparatus that control premium is shared |
| CN106886946A (en) * | 2017-02-24 | 2017-06-23 | 泰康保险集团股份有限公司 | For the method and system that declaration form surrender is calculated |
| CN107784592A (en) * | 2017-04-06 | 2018-03-09 | 平安科技（深圳）有限公司 | Insurance money computational methods and device |
| CN108133424A (en) * | 2018-01-12 | 2018-06-08 | 中国平安人寿保险股份有限公司 | A kind of surrender method, terminal device and storage medium |
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