CN109035035A

CN109035035A - The processing method and server of a kind of excellent dangerous declaration form of tax

Info

Publication number: CN109035035A
Application number: CN201810599408.3A
Authority: CN
Inventors: 朱铨; 张莹
Original assignee: Ping An Life Insurance Company of China Ltd
Current assignee: Ping An Life Insurance Company of China Ltd
Priority date: 2018-06-12
Filing date: 2018-06-12
Publication date: 2018-12-18

Abstract

The present invention is suitable for field of computer technology, provides the processing method and server of a kind of excellent dangerous declaration form of tax, comprising: obtain the excellent dangerous policy information of tax；Wherein, the excellent dangerous policy information of the tax includes the excellent dangerous insurance kind mark of tax, the tax excellent dangerous premium and customer information；Return ratio is determined according to the excellent dangerous policy information of the tax；Incentive fee to be returned is calculated according to the excellent dangerous premium of the tax and the return ratio；The incentive fee is returned to the excellent dangerous fund account of the tax；Wherein, the excellent dangerous fund account of the tax is determined according to the excellent dangerous insurance kind mark of the tax and the customer information.The present invention is by calculating the excellent dangerous incentive fee of tax in the excellent dangerous declaration form of tax and incentive fee being returned to the excellent dangerous fund account of tax, and to return incentive fee as incentive policy, excitation client's continuation of insurance improves the excellent dangerous continuation of insurance rate of tax.

Description

Tax and insurance policy processing method and server

Technical Field

The invention belongs to the technical field of computers, and particularly relates to a processing method and a server for a tax and insurance policy.

Background

The tax-optimized product has the characteristics of financing and guarantee. After the customer purchases the tax-optimized product, the insurance system deducts the risk premium from the premium paid by the customer, and transfers the residual amount to the fund account (universal account) of the tax-optimized product for saving and paying. The premium paid by the customer can be used to cover personal income taxes, and the amount in the fund account can be used as a medical insurance personal account and can also be used for purchasing commercial insurance.

The majority of tax products are insurance products in one year, and customers need to pay the premium for renewal every year. However, fewer customers renew the tax-premium products for various reasons, resulting in customer churn. In the prior art, an effective technical means is lacked to stimulate the renewal of customers, and the renewal rate of tax-quality products is lower.

Disclosure of Invention

In view of this, the embodiment of the present invention provides a processing method and a server for a tax insurance policy, so as to solve the problems that an effective technical means is lacked to stimulate a customer to renew a purchased tax insurance policy, and the renewal rate of the tax insurance policy is low in the prior art.

The first aspect of the embodiment of the invention provides a method for processing a tax insurance policy, which comprises the following steps:

acquiring policy information of tax insurance; wherein the policy information of the tax excellent insurance comprises the identification of the risk type of the tax excellent insurance, the premium of the tax excellent insurance and the customer information;

determining the return proportion according to the policy information of the tax and premium insurance;

calculating the incentive to be returned according to the premium of the tax and the return proportion;

returning the incentive to a funding account of the tax advantage; wherein the fund account of the tax optimization is determined according to the risk type identification of the tax optimization and the customer information.

A second aspect of an embodiment of the present invention provides a server, including a memory, a processor, and a computer program stored in the memory and executable on the processor, where the processor implements the following steps when executing the computer program:

A third aspect of embodiments of the present invention provides a computer-readable storage medium storing a computer program which, when executed by a processor, implements the steps of:

The processing method and the server for the tax-premium insurance policy provided by the embodiment of the invention have the following beneficial effects:

according to the embodiment of the invention, the incentive money of the tax insurance in the tax insurance policy is calculated and returned to the fund account of the tax insurance, and the returned incentive money is taken as the incentive policy, so that the client is encouraged to continue the insurance, and the rate of the tax insurance is improved.

Drawings

In order to more clearly illustrate the technical solutions in the embodiments of the present invention, the drawings needed to be used in the embodiments or the prior art descriptions will be briefly described below, and it is obvious that the drawings in the following description are only some embodiments of the present invention, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without inventive exercise.

FIG. 1 is a flow chart of an implementation of a method for processing a tax insurance policy according to an embodiment of the present invention;

FIG. 2 is a flowchart illustrating an implementation of S102 in the embodiment shown in FIG. 1;

FIG. 3 is a flow chart of another specific implementation of S102 in the embodiment shown in FIG. 1;

FIG. 4 is a flow chart of still another specific implementation of S102 in the embodiment shown in FIG. 1;

fig. 5 is a block diagram of a server according to an embodiment of the present invention;

fig. 6 is a schematic diagram of a server according to another embodiment of the present invention.

Detailed Description

In order to make the objects, technical solutions and advantages of the present invention more apparent, the present invention is described in further detail below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention.

Referring to fig. 1, fig. 1 is a flowchart illustrating an implementation of a processing method for a tax insurance policy according to an embodiment of the present invention. The execution main body of the processing method of the tax-premium insurance policy in the embodiment is the server. The processing method of the tax-premium policy as shown in the figure may include the following steps:

s101: acquiring policy information of tax insurance; wherein the policy information of the tax excellent includes the identification of the risk type of the tax excellent, the premium of the tax excellent and the customer information.

The server searches the policy containing the risk type identification of the tax excellent risk from the database according to the risk type identification of the tax excellent risk. The tax insurance may include a plurality of insurance types, each insurance type has a unique insurance type identification, the unique insurance type identification may be the name of the tax insurance, and may also be used to represent a code of a certain insurance type of the tax insurance, and the code may be composed of numbers and/or letters. The database may be a local database or a non-local database, such as a cloud database.

And when the policy containing the tax excellent risk dangerous risk identification is found, identifying the policy as the policy of the tax excellent risk, acquiring the insurance period of the policy of each tax excellent risk, and screening the effective policy of the tax excellent risk according to the current date and the insurance period of each policy. A valid policy is a policy whose current date is within the coverage.

And acquiring policy information from the policy of the effective tax insurance when the policy of the effective tax insurance is screened out.

The policy information of the tax excellent insurance comprises client information, the risk category of the tax excellent insurance and the premium of the tax excellent insurance, the client information can comprise the information of the insured and the information of the insurant, and the insured and the insurant can be the same or different. The policy information for the tax advantage may also include a policy identification.

Further, the premium of the tax benefit may include a premium paid by the customer and/or a risk premium of the tax benefit.

Specifically, the server may read the customer information from an area for filling in the customer information in the policy, read the risk kind of the tax excellent, the premium paid by the customer, and the risk premium of the tax excellent from an area for filling in or selecting the attribute information of the tax excellent in the policy.

The server can acquire corresponding information according to the name, the telephone and/or the mailbox and the age in the policy, and identify the acquired information based on a character identification technology and a preset format of each type of client information, so that the client information such as the name, the telephone, the mailbox address, the age and the like of the client can be acquired.

For example, when the "name" is acquired, information in an area (for example, a right or lower area) adjacent to the "name" is acquired, whether the information contains a surname or not is detected from a pre-stored surname, and when it is detected that the information contains a surname, the information is recognized as the name of the client.

When a "phone" is acquired, information in an area (for example, a right or lower area) adjacent to the "phone" is acquired, and whether the information contains a digit string is detected, and when the information contains a digit string, it is checked whether the number of digits of the digit string is the same as that of the current fixed phone or mobile phone number, and if the number of digits of the digit string is the same as that of the current fixed phone or mobile phone number, the digit string is recognized as a phone number.

Upon acquisition of the "mailbox", "@" is detected in an area (e.g., right or lower area) adjacent to the "mailbox", and if "@" is detected, a character string containing "@" is recognized as a mailbox address.

When "age" is acquired, a number is acquired from an area (right or lower area) adjacent to "age", and the number is checked, and when the check is passed, the number is identified as age. The method of checking the number may be checking the number of bits and the value of the number. Specifically, the age can be calculated according to the birth year and month information and the current date, and whether the numbers obtained by the calculated age are consistent or not is verified, if so, the number is verified to pass; the number may also be compared to a preset threshold (e.g., 200 or 100), and if the value of the number is less than the preset threshold, the verification passes, and if the value of the number is greater than or equal to the preset threshold, the verification fails.

When the policy information of the tax insurance does not include the risk insurance premium of the tax insurance, the risk insurance premium matched with the risk type identification of the tax insurance included in the policy information of the tax insurance can be searched from the risk insurance premium corresponding to each tax insurance prestored in the database, so as to obtain the risk insurance premium of the tax insurance.

S102: and determining a return proportion according to the policy information of the tax and premium insurance.

The server can determine the return proportion of the tax excellent insurance according to the premium of the tax excellent insurance contained in the policy information of the tax excellent insurance, so as to obtain the return proportion of the policy of the tax excellent insurance, and can also determine the return proportion of the tax excellent insurance according to the risk type identification contained in the policy information of the tax excellent insurance.

When the return proportion of the premium of each tax insurance is stored in the server in advance, the server can search the database for the return proportion corresponding to the premium of the tax insurance contained in the policy information of the tax insurance. When the return proportion of each dangerous type is stored in the server in advance, the server can search the return proportion matched with the dangerous type corresponding to the dangerous type identifier from the database according to the dangerous type identifier contained in the policy information of the tax excellent risk.

The server can calculate the difference between the premium paid by the client and the risk premium when acquiring the premium paid by the client and the risk premium of the tax-premium product from the policy information of the tax-premium, determine the premium difference interval to which the difference belongs, and identify the preset return proportion corresponding to the interval to which the difference belongs as the return proportion of the tax-premium policy. The premium allowance interval corresponds to the return proportion one by one, and the higher the premium allowance is, the higher the return proportion is.

Further, in an embodiment, S102 may specifically be: and acquiring a return proportion matched with the dangerous species of the tax excellent risk according to the preset corresponding relation among the dangerous species identification of the tax excellent risk, the dangerous species identification and the return proportion contained in the policy information of the tax excellent risk.

Further, in another embodiment, referring to fig. 2, fig. 2 is a flowchart illustrating another specific implementation of S102 in the embodiment shown in fig. 1. S102 comprises S1021-S1021, when the premium of the tax is the risk premium or the premium paid by the client; after executing S101, the server executes S1021 to S1022. S1021 to S1022 are specifically as follows:

s1021: determining a premium interval to which the premium of the tax insurance belongs based on a plurality of preset premium intervals; wherein, the preset charging interval corresponds to the preset return proportion one by one.

The server can preset a plurality of risk premium intervals, set the return proportion of each risk premium interval, and determine the risk premium interval to which the risk premium of the tax premium belongs when extracting the risk premium of the tax premium from the policy information of the tax premium.

The server can also preset a plurality of insurance premium sections to be paid, set the return proportion of each insurance premium section to be paid, and determine the risk insurance premium section to which the insurance premium paid by the customer belongs when the insurance premium paid by the customer is extracted from the tax premium insurance policy information.

S1022: and acquiring a return proportion matched with the premium interval to which the premium of the tax insurance belongs according to a preset relation between the premium interval and the return proportion.

The server can obtain the return proportion corresponding to the risk premium interval to which the risk premium of the tax excellent insurance belongs according to the preset relation between the risk premium and the return proportion.

Or the server can acquire the return proportion corresponding to the risk premium interval to which the premium paid by the client belongs according to the preset corresponding relation between the premium due to payment and the return proportion.

Further, in another embodiment, the server may determine a proportion of return of the tax return policy based on whether the tax return policy is taken into account in the profit of the tax return. Referring to fig. 3, fig. 3 is a flowchart illustrating another implementation of S102 in the embodiment shown in fig. 1. S102 includes S1023 to S1024, and S1023 to S1024 and S1021 to S1022 are parallel steps. Specifically, when the acquired policy information of the tax advantage includes the policy identification, the server executes S1021 to S1022 or S1023 to S1024 after executing S101. S1023 to S1024 are as follows:

s1023: and searching the claim settlement record matched with the policy identification from a claim settlement database according to the policy identification.

And when the server acquires the unique policy identification from the policy information of the tax insurance, searching a claim settlement record matched with the policy identification from a claim settlement database according to the acquired policy identification. The claims database stores the claims records of the tax insurance. The claims record may include a claims amount.

S1024: determining a return proportion according to a search result and the policy information of the tax and premium insurance; when the search result is that the matched claim record is not found, the return proportion is a first return proportion; and when the search result is that the matched claim record is found, the return proportion is a second return proportion, and the second return proportion is smaller than the first return proportion.

In one embodiment, the server may determine the return proportion of the tax-premium policy according to the search result and the risk type identifier of the tax-premium contained in the policy information of the tax-premium, where one risk type corresponds to one return proportion.

When the matched claim settlement record is not found in the search result, judging that the tax excellent policy is not in danger; and when the search result is that the matched claim settlement record is found, judging that the tax excellent policy is in danger.

Illustratively, the first return ratio may be 10%, the second return ratio may be 1%, and the second return ratio may also be zero.

In another embodiment, the server may determine the return proportion of the tax insurance policy according to the search result and the risk premium of the tax insurance contained in the policy information of the tax insurance, and in this case, one risk type may correspond to a plurality of return proportions.

For example, the server may further set a plurality of payout amount intervals, and set a payout proportion for each payout amount interval, the higher the payout amount, the smaller the payout proportion. And when the search result is that the matched claims record is not searched, acquiring the claim amount from the claims record, determining a target claim amount interval to which the acquired claim amount belongs, determining a return proportion corresponding to the target claim amount interval based on the return proportion of each claim amount interval, and obtaining the return proportion of the tax excellent insurance policy, so that the server can be used for calculating the incentive fee according to the return proportion and the insurance premium of the tax excellent insurance. When the search result is that the matched claim record has been found, the second return proportion may be zero.

For another example, the server may further set a plurality of risk premium intervals, and set a refund proportion for each risk premium interval, where the higher the risk premium, the larger the refund proportion. And when the search result is that the matched claim settlement record is not searched, determining a target risk premium interval to which the acquired risk premium belongs, determining a return proportion corresponding to the target risk premium interval based on the return proportion of each risk premium interval, and obtaining the return proportion of the tax premium insurance policy so that the server can calculate incentive according to the return proportion and the risk premium of the tax premium. When the search result is that the matched claim record has been found, the second return proportion may be zero.

Further, in another embodiment, referring to fig. 4, in order to guarantee profit of the shelved tax equity, fig. 4 is a flowchart of another specific implementation of S102 in the embodiment shown in fig. 1. S102 includes S1025 to S1026, and after S101 is executed by the server, S1021 to S1022, S1023 to S1024, or S1025 to S1026 may be specifically as follows:

s1025: and acquiring historical income data of the tax excellent insurance in a preset time period according to the dangerous type identification of the tax excellent insurance.

The preset time period may be one or several years, or may be set according to the insurance period of the tax insurance premium, which is not limited herein. The historical revenue data includes revenue data for each of the risky years, the revenue data being associated with the risky identification.

For example, the server may obtain historical profit data matched with the risk type identifier of the tax excellent risk from a database containing the historical profit according to the risk type identifier of the tax excellent risk, and extract corresponding historical profit data within a preset time period from the matched historical profit data.

S1026: and determining a return proportion according to the historical income data of the tax insurance.

The server can also set a plurality of income amount intervals, and set a return proportion for each income amount interval, wherein the higher the income amount is, the larger the return proportion is.

When the preset time period is one year, the server determines a target income amount interval to which the acquired historical income data of the tax excellent insurance belongs, and determines a return proportion corresponding to the target income amount interval based on a return proportion corresponding to each income amount interval to obtain a return proportion of the tax excellent insurance variety (the return proportion corresponding to the tax excellent policy).

When the preset time period is N years, N is a positive integer; and when the server acquires the N years of historical income data of the tax excellent insurance, calculating the annual average income of the tax excellent insurance, determining a target income amount interval to which the annual average income of the tax excellent insurance belongs, and determining a return proportion corresponding to the target income amount interval based on the return proportion corresponding to each income amount interval to obtain the return proportion of the tax excellent danger.

S103: and calculating the incentive to be returned according to the premium of the tax insurance and the return proportion.

And the server calculates the product of the obtained premium of the tax insurance and the return proportion to obtain the incentive money needing to be returned corresponding to the policy of the tax insurance.

When the server determines the return proportion of the tax insurance according to the premium paid by the client contained in the policy information of the tax insurance in S102, the server calculates the product of the premium paid by the client corresponding to the tax insurance and the return proportion of the tax insurance in S103 to obtain the incentive fee required to be returned corresponding to the policy of the tax insurance.

When the server determines the return proportion of the tax excellent according to the risk premium contained in the policy information of the tax excellent in S102, or determines the return proportion according to the search result indicating whether the claims record is searched, in S103, the server calculates the product of the risk premium of the tax excellent and the return proportion of the tax excellent to obtain the incentive corresponding to the policy of the tax excellent to be returned.

When the server determines the return proportion of the tax excellent according to the risk type identification of the tax excellent contained in the policy information of the tax excellent in S102, or determines the return proportion according to the historical income, the server may calculate the product of the risk premium of the tax excellent and the return proportion of the tax excellent in S103 to obtain the incentive fee which needs to be returned and corresponds to the policy of the tax excellent; or calculating the product of the premium paid by the client corresponding to the tax premium and the return proportion of the tax premium to obtain the incentive fee required to be returned corresponding to the policy of the tax premium.

S104: returning the incentive to a funding account of the tax advantage; wherein the fund account of the tax optimization is determined according to the risk type identification of the tax optimization and the customer information.

The server can obtain the fund account corresponding to the tax insurance purchased by the client according to the unique identification such as the identification number contained in the obtained client information and the acquired dangerous type identification of the tax insurance.

After the fund account of the tax optimization is acquired, a payment request can be sent to the fund management server, wherein the payment request is used for requesting to return incentive to the fund account of the tax optimization, and comprises the fund account of the tax optimization, a payment account and the amount of money needing to be returned; so that the fund management server, upon receiving and responding to the payment request, allocates an amount to be returned from the payment account to the tax-premium fund account.

It will be appreciated that the server may return the calculated incentive to the funding account for the tax advantage by a period (e.g., monthly or quarterly), or may return the calculated tax advantage once, where the return timing of the incentive is not limited.

It is understood that after S104, the server may also record the incentive to return to each tax-premium policy and the time to return the incentive.

According to the embodiment of the invention, the incentive money of the tax insurance is calculated and returned to the fund account of the tax insurance, and the returned incentive money is taken as the incentive policy, so that the client is encouraged to continue the guarantee, and the rate of the continued guarantee of the tax insurance is improved.

It should be understood that, the sequence numbers of the steps in the foregoing embodiments do not imply an execution sequence, and the execution sequence of each process should be determined by its function and inherent logic, and should not constitute any limitation to the implementation process of the embodiments of the present invention.

Referring to fig. 5, fig. 5 is a block diagram of a server according to an embodiment of the present invention, where the server includes units for executing steps in the embodiments corresponding to fig. 1 to fig. 4. Please refer to the related description of the embodiments corresponding to fig. 1 to 4. For convenience of explanation, only the portions related to the present embodiment are shown. Referring to fig. 5, the server 5 includes:

an obtaining unit 510, configured to obtain policy information of tax insurance; wherein the policy information of the tax excellent insurance comprises the identification of the risk type of the tax excellent insurance, the premium of the tax excellent insurance and the customer information;

a determining unit 520, configured to determine a return ratio according to the policy information of the tax insurance;

a calculating unit 530 for calculating an incentive to be returned according to the premium of the tax insurance and the return ratio;

a return unit 540 for returning the incentive to the fund account of the tax return; wherein the fund account of the tax optimization is determined according to the risk type identification of the tax optimization and the customer information.

Further, the policy information of the tax return includes a policy identification; the determining unit 520 specifically includes:

the searching unit is used for searching a claim settlement record matched with the policy identifier from a claim settlement database according to the policy identifier;

the first return proportion determining unit is used for determining the return proportion according to the search result and the policy information of the tax and premium insurance; when the search result is that the matched claim record is not found, the return proportion is a first return proportion; and when the search result is that the matched claim record is found, the return proportion is a second return proportion, and the second return proportion is smaller than the first return proportion.

Further, the determining unit 520 specifically includes:

the historical income data acquisition unit is used for acquiring historical income data of the tax excellent insurance in a preset time period according to the dangerous type identification of the tax excellent insurance;

and the second return proportion unit is used for determining the return proportion according to the historical income data of the tax and premium.

Further, the premium of the tax return includes a risk premium or a premium paid by the customer; the determining unit 520 specifically includes:

a premium interval determination unit configured to determine a premium interval to which a premium of the tax benefit belongs, based on a plurality of preset premium intervals; wherein the preset charging interval corresponds to the preset return proportion one by one;

and the third return proportion unit is used for acquiring the return proportion matched with the premium interval to which the premium of the tax insurance belongs according to the preset relationship between the premium interval and the return proportion.

Further, the determining unit 520 is specifically configured to: and acquiring a return proportion matched with the dangerous species of the tax excellent risk according to the preset corresponding relation among the dangerous species identification of the tax excellent risk, the dangerous species identification and the return proportion contained in the policy information of the tax excellent risk.

Referring to fig. 6, fig. 6 is a schematic diagram of a server according to another embodiment of the present invention. As shown in fig. 4, the server 6 of this embodiment includes: a processor 60, a memory 61 and a computer program 62, such as a control program of a server, stored in said memory 61 and executable on said processor 60. The processor 60, when executing the computer program 62, implements the steps in the above-described embodiments of the method for processing the respective tax-premium policy, such as S101-S104 shown in fig. 1. Alternatively, the processor 60, when executing the computer program 62, implements the functions of the units in the embodiment corresponding to fig. 5, such as the functions of the units 510 to 540 shown in fig. 5.

Illustratively, the computer program 62 may be divided into one or more units, which are stored in the memory 61 and executed by the processor 60 to accomplish the present invention. The one or more units may be a series of computer program instruction segments capable of performing specific functions, which are used to describe the execution of the computer program 62 in the server 6. For example, the computer program 62 may be divided into an acquisition unit, a determination unit, a calculation unit, a return unit, and the like, and the specific functions of the units are as described above.

The server may include, but is not limited to, a processor 60, a memory 61. Those skilled in the art will appreciate that fig. 6 is merely an example of a server 6 and does not constitute a limitation of the server 6, and may include more or fewer components than shown, or some components in combination, or different components, e.g., the server may also include input output devices, network access devices, buses, etc.

The Processor 60 may be a Central Processing Unit (CPU), other general purpose Processor, a Digital Signal Processor (DSP), an Application Specific Integrated Circuit (ASIC), an off-the-shelf Programmable Gate Array (FPGA) or other Programmable logic device, discrete Gate or transistor logic, discrete hardware components, etc. A general purpose processor may be a microprocessor or the processor may be any conventional processor or the like.

The memory 61 may be an internal storage unit of the server 6, such as a hard disk or a memory of the server 6. The memory 61 may also be an external storage device of the server 6, such as a plug-in hard disk, a Smart Media Card (SMC), a Secure Digital (SD) Card, a Flash memory Card (Flash Card) and the like provided on the server 6. Further, the memory 61 may also include both an internal storage unit of the server 6 and an external storage device. The memory 61 is used for storing the computer program and other programs and data required by the server. The memory 61 may also be used to temporarily store data that has been output or is to be output.

The above-mentioned embodiments are only used for illustrating the technical solutions of the present invention, and not for limiting the same; although the present 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 solutions described in the foregoing embodiments may still be modified, or some technical features may be equivalently replaced; such modifications and substitutions do not substantially depart from the spirit and scope of the embodiments of the present invention, and are intended to be included within the scope of the present invention.

Claims

1. A processing method of a tax-premium policy is characterized by comprising the following steps:

determining a return proportion according to the policy information of the tax and premium insurance;

2. A method of processing a tax optimization insurance policy according to claim 1, wherein the policy information of the tax optimization includes a policy identification;

the determining the return proportion according to the policy information of the tax and premium insurance comprises the following steps:

searching a claim settlement record matched with the policy identification from a claim settlement database according to the policy identification;

determining a return proportion according to a search result and the policy information of the tax and premium insurance; wherein,

when the matched claim record is not found according to the search result, the return proportion is a first return proportion;

and when the search result is that the matched claim record is found, the return proportion is a second return proportion, and the second return proportion is smaller than the first return proportion.

3. A method of processing a tax insurance policy according to claim 1, wherein the determining a proportion of returns based on policy information of the tax insurance includes:

acquiring historical income data of the tax excellent insurance in a preset time period according to the dangerous type identification of the tax excellent insurance;

and determining a return proportion according to the historical income data of the tax insurance.

4. A method of processing a tax insurance policy according to claim 1, wherein said determining a proportion of returns based on policy information of the tax insurance comprises:

and acquiring a return proportion matched with the dangerous species of the tax excellent risk according to the preset corresponding relation among the dangerous species identification of the tax excellent risk, the dangerous species identification and the return proportion contained in the policy information of the tax excellent risk.

5. A method of processing a tax insurance policy according to claim 1, wherein the premium of the tax insurance includes a risk premium or a premium paid by a customer;

determining a premium interval to which the premium of the tax insurance belongs based on a plurality of preset premium intervals; wherein the preset charging interval corresponds to the preset return proportion one by one;

and acquiring a return proportion matched with the premium interval to which the premium of the tax insurance belongs according to a preset relation between the premium interval and the return proportion.

6. A server, comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, the processor implementing the steps when executing the computer program:

7. The server according to claim 6, wherein the policy information for the tax optimization insurance includes a policy identification;

8. The server according to claim 6, wherein the determining a proportion of returns based on policy information of the tax return comprises:

9. The server according to claim 6, wherein the premium of the tax return comprises a risk reserve or a customer-paid reserve; the determining the return proportion according to the policy information of the tax and premium insurance comprises the following steps:

10. A computer-readable storage medium, in which a computer program is stored which, when being executed by a processor, carries out the steps of the method according to any one of claims 1 to 5.