CN109325868A - Questionnaire data processing method, device, computer equipment and storage medium - Google Patents
Questionnaire data processing method, device, computer equipment and storage medium Download PDFInfo
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- CN109325868A CN109325868A CN201811022790.8A CN201811022790A CN109325868A CN 109325868 A CN109325868 A CN 109325868A CN 201811022790 A CN201811022790 A CN 201811022790A CN 109325868 A CN109325868 A CN 109325868A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/08—Insurance
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F40/00—Handling natural language data
- G06F40/10—Text processing
- G06F40/103—Formatting, i.e. changing of presentation of documents
- G06F40/117—Tagging; Marking up; Designating a block; Setting of attributes
Abstract
This application involves a kind of questionnaire data processing method, device, computer equipment and storage medium based on big data analysis.The described method includes: the core obtained in declaration form protects questionnaire；It includes multiple initial problems and multiple subproblems in questionnaire that core, which is protected,；It extracts user and has selected Option based on what each initial problem and each subproblem inputted；Obtain sub- value-at-risk corresponding with Option has each been selected；The integrated risk value that core protects questionnaire is calculated according to sub- value-at-risk；The value-at-risk section according to locating for integrated risk value determines that core protects the corresponding policy type of questionnaire.Accurately user's portrait can be realized using this method, improve core and protect efficiency.
Description
Technical field
This application involves field of computer technology, set more particularly to a kind of questionnaire data processing method, device, computer
Standby and storage medium.
Background technique
When insurer needs to inform the health condition of warrantee during insuring, health usually will be used for by business personnel
The core of investigation protects questionnaire and is printed as letters to be filled in insurer, after having filled in business personnel again by letters be sold back to a grain-producing area to core guarantor into
Row artificial nucleus protect, and protect questionnaire according to the core filled by core guarantor and are manually judged the insurable risk of the declaration form, and then certainly
It is fixed whether to accept insurance and accepted insurance with which kind of condition.Warrantee can be divided into three types according to the health condition of warrantee by core guarantor
Type.Wherein, standard body refers to without additional premium or the specifically limited crowd that can be accepted insurance.Secondary standard body refers to health risk journey
Degree is higher than standard body, suitable for the rate that is adjusted or with additional conditions come the crowd that accepts insurance.Extension declinatures body and refers to health
Degree of risk is apparently higher than the group that accepts insurance, the crowd that insurance company cannot accept insurance.In traditional approach, core guarantor needs to all
Declaration form judges whether to accept insurance, and core guarantor needs syncaryon to protect handbook and experience to judge, cause core protect efficiency compared with
It is low.
Summary of the invention
Based on this, it is necessary in view of the above technical problems, provide a kind of questionnaire data that can be effectively improved core and protect efficiency
Processing method, device, computer equipment and storage medium.
A kind of questionnaire data processing method, which comprises the core obtained in declaration form protects questionnaire；The core is protected in questionnaire
Include multiple initial problems and multiple subproblems；Extract the choosing of choosing that user is inputted based on each initial problem and each subproblem
Item mark；Obtain sub- value-at-risk corresponding with Option has each been selected；The core is calculated according to sub- value-at-risk and protects questionnaire
Integrated risk value；Determine that the core protects the corresponding declaration form class of questionnaire according to value-at-risk section locating for the integrated risk value
Type.
The core obtained in declaration form protects questionnaire in one of the embodiments, comprising: obtains initially asking in questionnaire tree
Topic generates initial questionnaire according to the initial problem；It obtains and Option has been selected based on the initial questionnaire input；Judge institute
It states in questionnaire tree and has selected the corresponding subproblem of Option with the presence or absence of with described；It has been selected when existing in the questionnaire tree with described
When the corresponding subproblem of Option, obtain the subproblem, and generate include the subproblem new synthesis questionnaire；It obtains
Option is selected based on what new synthesis questionnaire inputted, returning to execute in the judgement questionnaire tree whether there is and selected
The step of Option corresponding subproblem, until there is no subproblem corresponding with Option has been selected in the questionnaire tree,
It obtains core and protects questionnaire.
The acquisition sub- value-at-risk corresponding with Option has each been selected in one of the embodiments, comprising: according to
Option has each been selected to determine corresponding disease mark；Search the disease death that corresponding sick people is identified with each disease
Rate；Search the standard death rate of standard group；According to the standard death rate and each mortality, calculate accordingly
Select the corresponding sub- value-at-risk of Option.
The core is determined in the value-at-risk section according to locating for the integrated risk value in one of the embodiments,
It protects before the corresponding policy type of questionnaire, further includes: obtain the corresponding integrated risk value of multiple history declaration forms respectively；The history
Declaration form includes accepting insurance declaration form and to declinature declaration form；For every group of history declaration form with identical integrated risk value, statistics is judged as
It accepts insurance the first quantity of declaration form, and is judged as declinaturing the second quantity of declaration form；According to corresponding first number of multiple groups history declaration form
Amount and the second quantity divide value-at-risk section.
It is described in one of the embodiments, that wind is divided according to corresponding first quantity of multiple groups history declaration form and the second quantity
Danger value section, comprising: obtain the corresponding first threshold in original section and second threshold；According to the original section corresponding first
Threshold value and second threshold calculate two classification values, by two classification value can obtain the first total quantity and the second total quantity it
The minimum value of sum；Second total quantity is that integrated risk value is in first threshold to the second number corresponding between two classification values
The sum of amount, first total quantity be integrated risk value be in two classification values to the first quantity corresponding between second threshold it
With；The first threshold and the second threshold are adjusted according to two classification value, according to first threshold adjusted
Value-at-risk section is repartitioned with second threshold adjusted.
The value-at-risk section according to locating for the integrated risk value determines that the core is protected in one of the embodiments,
The corresponding policy type of questionnaire, comprising: be less than the corresponding value-at-risk of first threshold adjusted when the integrated risk value is in
When section, the corresponding declaration form for determining that the core protects questionnaire is declaration form of accepting insurance；When the integrated risk value is in adjusted the
When one threshold value to value-at-risk section between second threshold adjusted, the corresponding declaration form for determining that the core protects questionnaire is pending
Core declaration form；When the integrated risk value is in value-at-risk section corresponding greater than second threshold adjusted, the core is determined
The corresponding declaration form for protecting questionnaire is to declinature declaration form.
A kind of questionnaire data processing unit, described device include: acquisition module, protect questionnaire for obtaining the core in declaration form；
It includes multiple initial problems and multiple subproblems in questionnaire that the core, which is protected,；Extraction module is based on each initially for extracting user
What problem and each subproblem inputted has selected Option；Computing module, for obtaining and each having selected Option corresponding
Sub- value-at-risk；The integrated risk value that questionnaire is protected with the core is calculated according to sub- value-at-risk；Determining module, for according to
Value-at-risk section locating for integrated risk value determines that the core protects the corresponding policy type of questionnaire.
The acquisition module is also used to obtain the initial problem in questionnaire tree in one of the embodiments, according to described
Initial problem generates initial questionnaire；It obtains and Option has been selected based on the initial questionnaire input；Judge in the questionnaire tree
The corresponding subproblem of Option has been selected with the presence or absence of with described；Option pair has been selected with described when existing in the questionnaire tree
When the subproblem answered, the subproblem is obtained, and generate the new synthesis questionnaire comprising the subproblem；It obtains based on new conjunction
Option is selected at questionnaire input, returning to execute whether there is in the judgement questionnaire tree and selected Option pair
The step of subproblem answered, obtains core guarantor and asks until subproblem corresponding with Option has been selected is not present in the questionnaire tree
Volume.
A kind of computer equipment, including memory and processor, the memory are stored with computer program, the processing
The step of device realizes above-mentioned each questionnaire data processing method as described in the examples when executing the computer program.
A kind of computer readable storage medium, is stored thereon with computer program, and the computer program is held by processor
The step of above-mentioned each questionnaire data processing method as described in the examples is realized when row.
Above-mentioned questionnaire data processing method, device, computer equipment and storage medium, server have been filled out in acquisition user
The core write is protected after questionnaire, and extractable core protects each initial problem for including in questionnaire and the corresponding choosing of each subproblem
Item mark can be calculated after each having selected Option to obtain corresponding sub- value-at-risk according to multiple sub- value-at-risks
Core protects the corresponding integrated risk value of questionnaire, and the value-at-risk section according to locating for integrated risk value can determine that core protects the corresponding guarantor of questionnaire
Single type.Questionnaire is protected based on core, by handling questionnaire data, automation, which calculates, analyzes the corresponding declaration form of core guarantor's questionnaire
Type.Need to carry out the pending declaration form of artificial nucleus guarantor by filtering out part so that core guarantor be not necessarily to all declaration forms into
Row core is protected, to reduce the workload of artificial nucleus guarantor, can be effectively improved core and be protected efficiency.
Detailed description of the invention
Fig. 1 is the application scenario diagram of questionnaire data processing method in one embodiment；
Fig. 2 is the flow diagram of questionnaire data processing method in one embodiment；
Fig. 3 is the schematic diagram of questionnaire tree in one embodiment；
Fig. 4 is the flow diagram of questionnaire data processing method in another embodiment；
Fig. 5 is the structural block diagram of questionnaire data processing unit in one embodiment；
Fig. 6 is the internal structure chart of computer equipment in one embodiment.
Specific embodiment
It is with reference to the accompanying drawings and embodiments, right in order to which the objects, technical solutions and advantages of the application are more clearly understood
The application is further elaborated.It should be appreciated that specific embodiment described herein is only used to explain the application, not
For limiting the application.
It is appreciated that term " first " used in the present invention, " second " etc. can be used to describe various elements herein,
But these elements are not limited by these terms.These terms are only used to distinguish the first element from the other element.Citing
For, without departing from the scope of the invention, the first quantity can be known as the second quantity, and similarly, it can be by
Two quantity are known as the first quantity.First quantity and the second quantity both quantity, but it is not same quantity.
Questionnaire data processing method provided by the present application, can be applied in application environment as shown in Figure 1.Wherein, eventually
End 102 is communicated with server 104 by network by network.Wherein, terminal 102 can be, but not limited to be various personal meters
Calculation machine, laptop, smart phone, tablet computer and portable wearable device, server 104 can use independent service
The server cluster of device either multiple servers composition is realized.Server 104 can be from the core obtained in declaration form in terminal 102
Questionnaire is protected, it includes multiple initial problems and multiple subproblems in questionnaire that core, which is protected, and server 104 can extract user based on each initial
What problem and each subproblem inputted has selected Option.Server 104 can be corresponding according to each having selected Option to obtain
Sub- value-at-risk, and the integrated risk value that core protects questionnaire is calculated according to multiple sub- value-at-risks.Server 104 can be according to comprehensive wind
Value locating value-at-risk section in danger determines that core protects the corresponding policy type of questionnaire.
In one embodiment, as shown in Fig. 2, providing a kind of questionnaire data processing method, it is applied to Fig. 1 in this way
In server 104 for be illustrated, comprising the following steps:
Step 202, the core obtained in declaration form protects questionnaire；It includes multiple initial problems and multiple subproblems in questionnaire that core, which is protected,.
Core protect questionnaire refer to be integrated with multiple initial problems and multiple subproblems, user completed the questionnaire filled in.
The subproblem that core is protected in questionnaire can be to answer according to user for initial problem, thus for corresponding initial problem or initially
The option of problem it is acquired and show more refinement the problem of.For example, when user for initial problem " with the presence or absence of with
When upper unmentioned symptom, disease or history of operation " chosen the corresponding option of "Yes" after, the corresponding son of the option can be obtained and asked
It inscribes " symptom, disease or operation names ", after having chosen "No" corresponding option, then without obtaining and showing the subproblem.
Step 204, it extracts user and has selected Option based on what each initial problem and each subproblem inputted.
User can in the light of actual conditions choose multiple initial problems and the corresponding Option of multiple subproblems, and
Using the Option chosen as having selected Option.Globally unique option can be preset to each option of each problem
Mark can also add the label of option, the choosing as accordingly option to the corresponding problem identification of each problem
Option.Such as A, B, C option of A, B, C option and problem 2 for problem 1, globally unique choosing can be preset respectively
Item mark 1.1,1.2,1.3,2.1,3.2,3.3, then need to extract from multiple Options and selected Option；It can be with
It presets selected Option 1 (B) and 2 (A) respectively only for the option A for choosing B and problem 2 of problem 1.
Step 206, sub- value-at-risk corresponding with Option has each been selected is obtained.
By having selected Option that can determine the health condition of user.Such as when user has selected have tumour, knot
It, can be according to the risk covered of the diseases analysis user of user when the diseases such as section, polyp, tumour, cancer.Sub- value-at-risk refer to each
Option is corresponding, numerical value or grade for reacting user's risk covered degree.
In one embodiment, sub- value-at-risk corresponding with Option has each been selected is obtained, comprising: selected according to each
Option determines corresponding disease mark；Search the mortality that corresponding sick people is identified with each disease；It searches
The standard death rate of standard group；According to standard death rate and each mortality, calculates and accordingly selected Option corresponding
Sub- value-at-risk.
It can be health survey questionnaire that core, which protects questionnaire,.Each select Option that can correspond to disease type, disease name, disease
The diseases such as degree mark.It can calculate and each select the corresponding sub- value-at-risk of Option.It is (additional dead that sub- value-at-risk can be EM value
Die rate), EM value is the evaluation measures during core is protected to health risk.Sick people refers to that suffering from disease identifies corresponding patient population
Body, standard group refer to that physical condition is good and does not influence the group to accept insurance.The mortality and standard of sick people
The standard death rate of crowd can be acquired real-time data by web crawlers from webpage and be obtained, and can also be obtained and be pre-stored in local number
According to the data in library.Sub- value-at-risk can be calculate by the following formula: sub- value-at-risk=(mortality-standard is dead
Rate)/standard death rate.The sub- value-at-risk corresponding with Option has been selected being calculated can also be stored to local data base
In, so that subsequent directly inquiry utilizes, without carrying out duplicate calculating.
For example, the hepatitis B patient that Option reflection user is 45 years old has been selected.And 45 years old, 10000 people of hepatitis B crowd,
1 year dead 1000 people；10000 people of standard group, dead 100 people of standard group.The sub- value-at-risk of so 45 years old hepatitis B patient is just
It is
Step 208, the integrated risk value that core protects questionnaire is calculated according to sub- value-at-risk.
When user has chosen multinomial disease is corresponding to have selected Option when, Option can have been selected corresponding to multinomial
Sub- value-at-risk be weighted summation obtain final integrated risk value.Such as the obtained sub- risk of five kinds of diseases
Value is A, B, D, E and F respectively, and corresponding weight is W1, W2, W3, W4 and W5 respectively.Then integrating EM value is EM=A*W1+B*
W2+D*W3+E*W4+F*W5。
Step 210, the value-at-risk section according to locating for integrated risk value determines that core protects the corresponding policy type of questionnaire.
User can be divided into three types according to health status: standard body, secondary standard body delay to declinature body.Standard body is
Refer to and is not necessarily to additional premium or the specifically limited crowd that can be accepted insurance.Secondary standard body refers to that health risk degree is higher than standard body, fits
Rate for being adjusted or with additional conditions come the crowd that accepts insurance.Extension declinatures body and refers to that health risk degree is apparently higher than
Accept insurance group, the crowd that insurance company cannot accept insurance.Value-at-risk section can be three, the corresponding corresponding guarantor in each value-at-risk section
Single type, policy type are the type of the obtained corresponding declaration form of the health type according to belonging to the user of judgement.As judgement user
For standard body, then illustrating that the core protects the corresponding declaration form of questionnaire is declaration form of accepting insurance, and can be directly entered process of accepting insurance；When judgement user is
Secondary standard body, then illustrating that the core protects the corresponding declaration form of questionnaire is pending declaration form, needs to carry out artificial nucleus guarantor, negotiates the expense of adjustment
Rate or with additional conditions；Body is declinatured to delay when determining user, then illustrating that the core protects the corresponding declaration form of questionnaire is to declinature declaration form, can
It is directly entered holdover flow or declinatures process.
In above-mentioned questionnaire data processing method, server can mention after obtaining the core that user has filled in and protecting questionnaire
Take that core protects each initial problem for including in questionnaire and each subproblem is corresponding has selected Option, based on each having selected option
After mark obtains corresponding sub- value-at-risk, core can be calculated according to multiple sub- value-at-risks and protect the corresponding integrated risk of questionnaire
Value, the value-at-risk section according to locating for integrated risk value can determine that core protects the corresponding policy type of questionnaire.Questionnaire is protected based on core, is led to
It crosses and questionnaire data is handled, automation, which calculates, analyzes the corresponding policy type of core guarantor's questionnaire.By to questionnaire data into
Row processing, filters out the pending declaration form that part needs to carry out artificial nucleus guarantor, so that core guarantor is not necessarily to carry out all declaration forms
Core is protected, to reduce the workload of artificial nucleus guarantor, can be effectively improved core and be protected efficiency.
In one embodiment, the core obtained in declaration form protects questionnaire, comprising: the initial problem in questionnaire tree is obtained, according to
Initial problem generates initial questionnaire；It obtains and has selected Option based on what initial questionnaire inputted；Judge to whether there is in questionnaire tree
Subproblem corresponding with Option has been selected；When there is subproblem corresponding with Option has been selected in questionnaire tree, son is obtained
Problem, and generate the new synthesis questionnaire comprising subproblem；It obtains and has selected Option based on what new synthesis questionnaire inputted, return
Receipt row judges in questionnaire tree the step of with the presence or absence of subproblem corresponding with Option has been selected, until being not present in questionnaire tree
Subproblem corresponding with Option has been selected obtains core and protects questionnaire.
Questionnaire tree refers to the questionnaire of the tree structure generated according to all questionnaire problems.It is asked in questionnaire tree comprising multiple levels
Volume problem, each child node correspond to questionnaire problem all and are branch's refinement problem that father node corresponds to questionnaire problem.Initial problem is
Refer to the questionnaire problem that the first level is in questionnaire tree.The topic types of questionnaire problem include but is not limited to be in questionnaire tree
Non- topic, single choice, multiple choice, text gap-filling questions, digital space-filling topic, file upload topic, date multiple-choice question, parameter selection topic etc. its
In one or more problems.Initial questionnaire, which refers to, is integrated with initial problem, questionnaire for showing user to be filled in.With
Family can be based on the choosing that in the light of actual conditions multiple Options corresponding to initial problem are chosen, and will be chosen of initial questionnaire
Item mark, which is used as, has selected Option.
For example, such as the questionnaire tree in Fig. 3, node 1, node 2, node 3 represent the initial problem of the first level, node
1.1, node 1.2, node 2.1, the subproblem that node 2.2 is the second level, node 1.21, node 1.22 are asking for third level
Topic.The only node 1, node 2, the corresponding initial problem of node 3 shown at the beginning, remaining level problem are to be saved according to corresponding father
The corresponding questionnaire problem of point has selected Option to determine displaying or do not show.The node of each level turns to next hierarchy node
The problem of can all have trigger condition.Such as only when user for " smoking? " the corresponding questionnaire problem of father node hook
After the Option for having selected " smoking ", can just show " how long smoking a cigarette? " the corresponding subproblem of child node.If choosing
After the Option of " non-smoking ", then questionnaire is not refreshed, user can carry out another questionnaire problem of same level
It answers.When problem corresponding to arrival node 1.1, node 1.21, node 1.22, node 2.1, node 2.2,3 leaf node of node
When, without refreshing again to questionnaire.
User can be inputted again based on new synthesis questionnaire and select Option, then exists in questionnaire tree and selected option
When identifying corresponding subproblem, corresponding subproblem is constantly obtained, and is regenerated according to the subproblem newly obtained new
Synthesize questionnaire.When subproblem corresponding with Option has been selected is not present in questionnaire tree, then without obtaining new subproblem.With
Family can based in new synthesis questionnaire other initial problems or subproblem filled in or chosen, until all initial problem
With subproblem have it is corresponding selected Option, then illustrate that current synthesis questionnaire can not be filled in further, be hooked
Synthesis questionnaire under current extended mode completely is then protected questionnaire as core by choosing and extension.
In such a way that is inputted according to user has selected Option dynamic generation to synthesize questionnaire, displaying is avoided without filling out
The problem of writing, so that initial problem or subproblem that core is protected in questionnaire are all the problem of user have to fill out, to improve questionnaire
Investigate efficiency.
In one embodiment, determine that core protects the corresponding declaration form of questionnaire in the value-at-risk section according to locating for integrated risk value
Before type, further includes: obtain the corresponding integrated risk value of multiple history declaration forms respectively；History declaration form includes accepting insurance declaration form and to refuse
Protect declaration form；For every group of history declaration form with identical integrated risk value, the first quantity of the declaration form that is judged as accepting insurance is counted, and
It is judged as declinaturing the second quantity of declaration form；Value-at-risk is divided according to corresponding first quantity of multiple groups history declaration form and the second quantity
Section.
Can be judged as accepting insurance the first quantity of declaration form according to statistics, and be judged as declinaturing the second quantity statistics of declaration form
The corresponding declaration form risk distribution of history of forming declaration form, wherein in declaration form risk distribution, abscissa is integrated risk value, ordinate
For the corresponding declaration form quantity of identical integrated risk value.Can corresponding two guarantors be generated with declaration form is declinatured for declaration form is accepted insurance respectively
Single risk distribution.
In one embodiment, value-at-risk area is divided according to corresponding first quantity of multiple groups history declaration form and the second quantity
Between, comprising: obtain the corresponding first threshold in original section and second threshold；According to the corresponding first threshold in original section and second
Threshold calculations go out two classification values, and the minimum value of the sum of the first total quantity and the second total quantity can be obtained by two classification values；The
Two total quantitys are that integrated risk value is in first threshold to the sum of the second quantity corresponding between two classification values, the first total quantity
Two classification values are in the sum of the first quantity corresponding between second threshold for integrated risk value；According to two classification values to first
Threshold value and second threshold are adjusted, and repartition value-at-risk area according to first threshold adjusted and second threshold adjusted
Between.
More wide in range original section [s can be preset first1, s2], it for example is [50%, 200%], wherein s1For the first threshold
Value, s2For second threshold.To [s1, s2] multiple history declaration forms in value-at-risk section carry out artificial nucleus guarantor, determine that multiple history are protected
Accepting insurance in list and declinatures declaration form at declaration form.Declaration form and the declaration form risk distribution of declaration form can be declinatured by accepting insurance, to original section
First threshold and second threshold are adjusted.By adjusting to original section, the declaration form that diminution needs to carry out artificial nucleus guarantor is corresponding
Value-at-risk section, need to carry out the declaration form quantity of artificial nucleus guarantor to reduce, so that reducing the workload of core guarantor.
Two classification values are calculated according to the corresponding first threshold in original section and second threshold, wherein two classification acquired
Value enables to the first total quantity and the second total quantity sum of the two to reach minimum value.It is represented by formulaWherein, s1For the corresponding first threshold in original section, s2For the corresponding second threshold in original section,
MiIndicate that integrated risk value is the second quantity for declinaturing declaration form of i, NiIndicate the first number that integrated risk value is the declaration form of accepting insurance of i
Amount, by takingWithThe minimum value of sum of the two can acquire two classification value t.It is also denoted as formulaWherein, s1For the corresponding first threshold in original section, s2For original section corresponding second
Threshold value, P2(x) distribution of the second quantity of declaration form on integrated risk value, P are declinatured in expression1(x) indicate accept insurance declaration form first number
The distribution on integrated risk value is measured, by taking P2(x) in [s1, t] on integral and P1(x) in [t, s2] on integral, the two
The sum of minimum value can acquire two classification value t.
In one embodiment, when two classification value t are less than or equal to preset value x0When, second threshold is adjusted, such as according to public affairs
FormulaIt is calculated, the second threshold s after being adjusted2'；When two classification value t are more than or equal to
Preset value x0When, first threshold is adjusted, such as according to formulaIt is calculated, after being adjusted
One threshold value s2'.Value-at-risk section is repartitioned according to first threshold adjusted and second threshold adjusted.Preset value x0It can
To be the median of first threshold and second threshold.Integrated risk value is in value-at-risk section [s1', s2'] declaration form as need
Carry out the declaration form of manual examination and verification.By carrying out dynamic adjustment according to practical artificial policy type to value-at-risk section, so that needing
The corresponding value-at-risk section of declaration form for carrying out artificial nucleus guarantor is more accurate, and the declaration form quilt of policy type will can be immediately arrived at by reducing
It is included in the case where artificial nucleus protect.
In one embodiment, the value-at-risk section according to locating for integrated risk value determines that core protects the corresponding declaration form class of questionnaire
Type, comprising: when integrated risk value is in value-at-risk section corresponding less than first threshold adjusted, determine that core protects questionnaire
Corresponding declaration form is declaration form of accepting insurance；When integrated risk value is in first threshold adjusted between second threshold adjusted
When value-at-risk section, the corresponding declaration form for determining that core protects questionnaire is pending declaration form；After integrated risk value, which is in, is greater than adjustment
Second threshold corresponding value-at-risk section when, the corresponding declaration form for determining that core protects questionnaire is to declinature declaration form.
When the corresponding declaration form that core protects questionnaire is pending declaration form, the health anomalies information of each related disease is extracted,
And summarize all health anomalies information and be shown, so that user can be carried out quick confirmation.Each related disease can also be searched
The demand of disease, and generate demand prompting message according to whole demands and be shown, it is carried out with prompting user to provide relevant data
The artificial nucleus of next step protect.
According to core protect questionnaire integrated risk value obtain corresponding declaration form be accept insurance declaration form, pending declaration form or declinature declaration form it
Afterwards.The declaration form that will can directly accept insurance goes to process of accepting insurance, and will declinature declaration form and goes to and declinature process, can also send pending declaration form
Artificial nucleus guarantor is carried out to core guarantor.By the way that the declaration form that can immediately arrive at policy type is transferred to corresponding process, reduce core guarantor
The workload of people, so that improving core protects efficiency.
In one embodiment, as shown in figure 4, providing another questionnaire data processing method, it is applied in this way
It is illustrated for server 104 in Fig. 1, comprising the following steps:
Step 402, the initial problem in questionnaire tree is obtained, initial questionnaire is generated according to initial problem.
Step 404, it obtains and has selected Option based on what initial questionnaire inputted.
Step 406, judge in questionnaire tree with the presence or absence of subproblem corresponding with Option has been selected.
Step 408, when there is subproblem corresponding with Option has been selected in questionnaire tree, subproblem is obtained, and generate
New synthesis questionnaire comprising subproblem.
Step 410, it obtains and has selected Option based on what new synthesis questionnaire inputted, returning to execution and judging is in questionnaire tree
It is no to there is the step of subproblem corresponding with Option has been selected, until being not present in questionnaire tree and having selected Option corresponding
Subproblem obtains core and protects questionnaire.
Step 412, it extracts user and has selected Option based on what each initial problem and each subproblem inputted.
Step 414, Option has been selected to determine that corresponding disease identifies according to each.
Step 416, the mortality that corresponding sick people is identified with each disease is searched.
Step 418, the standard death rate of standard group is searched.
Step 420, it according to standard death rate and each mortality, calculates and has accordingly selected the corresponding sub- wind of Option
Danger value.
Step 422, the integrated risk value that core protects questionnaire is calculated according to sub- value-at-risk.
Step 424, the value-at-risk section according to locating for integrated risk value determines that core protects the corresponding policy type of questionnaire.
Policy type includes accepting insurance declaration form, pending declaration form and to declinature declaration form.
In above-mentioned questionnaire data processing method, Option dynamic generation has been selected to synthesize questionnaire by what is inputted according to user
Mode, avoid displaying without fill in the problem of so that core protect questionnaire in initial problem or subproblem be all that user is necessary
The problem of filling in, to improve questionnaire survey efficiency.Server can mention after obtaining the core that user has filled in and protecting questionnaire
Take that core protects each initial problem for including in questionnaire and each subproblem is corresponding has selected Option, based on each having selected option
After mark obtains corresponding sub- value-at-risk, core can be calculated according to multiple sub- value-at-risks and protect the corresponding integrated risk of questionnaire
Value, the value-at-risk section according to locating for integrated risk value can determine that core protects the corresponding policy type of questionnaire.Questionnaire is protected based on core, is led to
It crosses and questionnaire data is handled, automation, which calculates, analyzes the corresponding policy type of core guarantor's questionnaire, to reduce artificial nucleus
The workload of guarantor can effectively improve core and protect efficiency.
It should be understood that although each step in the flow chart of Fig. 2 and 4 is successively shown according to the instruction of arrow,
It is these steps is not that the inevitable sequence according to arrow instruction successively executes.Unless expressly stating otherwise herein, these steps
There is no stringent sequences to limit for rapid execution, these steps can execute in other order.Moreover, in Fig. 2 and 4 at least
A part of step may include that perhaps these sub-steps of multiple stages or stage are not necessarily in same a period of time to multiple sub-steps
Quarter executes completion, but can execute at different times, the execution in these sub-steps or stage be sequentially also not necessarily according to
Secondary progress, but in turn or can replace at least part of the sub-step or stage of other steps or other steps
Ground executes.
In one embodiment, as shown in figure 5, providing a kind of questionnaire data processing unit 500, comprising: obtain module
502, questionnaire is protected for obtaining the core in declaration form；It includes multiple initial problems and multiple subproblems in questionnaire that core, which is protected,；Extraction module
504, Option has been selected based on what each initial problem and each subproblem inputted for extracting user；Computing module 506 is used
In acquisition sub- value-at-risk corresponding with Option has each been selected；The synthesis wind that questionnaire is protected with core is calculated according to sub- value-at-risk
Danger value；Determining module 508 determines that core protects the corresponding declaration form class of questionnaire for the value-at-risk section according to locating for integrated risk value
Type.
In one embodiment, it obtains module 502 and is also used to obtain the initial problem in questionnaire tree, it is raw according to initial problem
At initial questionnaire；It obtains and has selected Option based on what initial questionnaire inputted；Judge to whether there is and option in questionnaire tree
Identify corresponding subproblem；When there is subproblem corresponding with Option has been selected in questionnaire tree, subproblem is obtained, and generate
New synthesis questionnaire comprising subproblem；It obtains and has selected Option based on what new synthesis questionnaire inputted, return executes judgement
The step of whether there is subproblem corresponding with Option has been selected in questionnaire tree, until being not present in questionnaire tree and having selected option
Corresponding subproblem is identified, core is obtained and protects questionnaire.
In one embodiment, computing module 506 is also used to according to each Option having been selected to determine corresponding disease mark
Know；Search the mortality that corresponding sick people is identified with each disease；Search the standard death rate of standard group；According to
Standard death rate and each mortality calculate and have accordingly selected the corresponding sub- value-at-risk of Option.
In one embodiment, determining module 508 is also used to obtain the corresponding integrated risk value of multiple history declaration forms respectively；
History declaration form includes accepting insurance declaration form and to declinature declaration form；For every group of history declaration form with identical integrated risk value, statistics is judged to
It is set to the first quantity of declaration form of accepting insurance, and is judged as declinaturing the second quantity of declaration form；According to multiple groups history declaration form corresponding
One quantity and the second quantity divide value-at-risk section.
In one embodiment, determining module 508 is also used to obtain the corresponding first threshold in original section and second threshold；
Two classification values are calculated according to the corresponding first threshold in original section and second threshold, it is total to obtain first by two classification values
The minimum value of the sum of quantity and the second total quantity；Second total quantity is that integrated risk value is in first threshold between two classification values
The sum of second corresponding quantity, the first total quantity are that integrated risk value be in two classification values to corresponding between second threshold
The sum of first quantity；First threshold and second threshold are adjusted according to two classification values, according to first threshold adjusted and
Second threshold adjusted repartitions value-at-risk section.
In one embodiment, determining module 508 is also used to be less than first threshold adjusted when integrated risk value is in
When corresponding value-at-risk section, the corresponding declaration form for determining that core protects questionnaire is declaration form of accepting insurance；After integrated risk value is in adjustment
First threshold to value-at-risk section between second threshold adjusted when, the corresponding declaration form for determining that core protects questionnaire is pending
Core declaration form；When integrated risk value is in value-at-risk section corresponding greater than second threshold adjusted, determine that core protects questionnaire
Corresponding declaration form is to declinature declaration form.
Specific about questionnaire data processing unit limits the limit that may refer to above for questionnaire data processing method
Fixed, details are not described herein.Modules in above-mentioned questionnaire data processing unit can fully or partially through software, hardware and its
Combination is to realize.Above-mentioned each module can be embedded in the form of hardware or independently of in the processor in computer equipment, can also be with
It is stored in the memory in computer equipment in a software form, in order to which processor calls the above modules of execution corresponding
Operation.
In one embodiment, a kind of computer equipment is provided, which can be server, internal junction
Composition can be as shown in Figure 6.The computer equipment include by system bus connect processor, memory, network interface and
Database.Wherein, the processor of the computer equipment is for providing calculating and control ability.The memory packet of the computer equipment
Include non-volatile memory medium, built-in storage.The non-volatile memory medium is stored with operating system, computer program and data
Library.The built-in storage provides environment for the operation of operating system and computer program in non-volatile memory medium.The calculating
The database of machine equipment is for storing questionnaire data.The network interface of the computer equipment is used to pass through network with external terminal
Connection communication.To realize a kind of questionnaire data processing method when the computer program is executed by processor.
It will be understood by those skilled in the art that structure shown in Fig. 6, only part relevant to application scheme is tied
The block diagram of structure does not constitute the restriction for the computer equipment being applied thereon to application scheme, specific computer equipment
It may include perhaps combining certain components or with different component layouts than more or fewer components as shown in the figure.
In one embodiment, a kind of computer equipment, including memory and processor are provided, which is stored with
Computer program, the processor perform the steps of the core obtained in declaration form and protect questionnaire when executing computer program；Core protects questionnaire
In include multiple initial problems and multiple subproblems；Extract the choosing that user is inputted based on each initial problem and each subproblem
Option；Obtain sub- value-at-risk corresponding with Option has each been selected；Core is calculated according to sub- value-at-risk and protects questionnaire
Integrated risk value；The value-at-risk section according to locating for integrated risk value determines that core protects the corresponding policy type of questionnaire.
In one embodiment, when processor executes computer program, the core obtained in declaration form realized protects questionnaire
Step, comprising the following steps: obtain the initial problem in questionnaire tree, initial questionnaire is generated according to initial problem；It obtains based on just
Option has been selected in the input of beginning questionnaire；Judge in questionnaire tree with the presence or absence of subproblem corresponding with Option has been selected；When asking
When there is subproblem corresponding with Option has been selected in volume tree, subproblem is obtained, and generation includes the new synthesis of subproblem
Questionnaire；Obtain and selected Option based on what new synthesis questionnaire inputted, return execute judge to whether there is in questionnaire tree with
The step of selecting Option corresponding subproblem obtains until there is no subproblems corresponding with Option has been selected in questionnaire tree
Questionnaire is protected to core.
In one embodiment, when processor executes computer program, the acquisition realized has selected Option with each
The step of corresponding sub- value-at-risk, comprising the following steps: selected Option to determine that corresponding disease identifies according to each；It searches
The mortality of corresponding sick people is identified with each disease；Search the standard death rate of standard group；It is dead according to standard
Rate and each mortality are died, calculates and has accordingly selected the corresponding sub- value-at-risk of Option.
In one embodiment, it when processor executes computer program, is being realized according to locating for integrated risk value
It is further comprising the steps of: to obtain multiple go through respectively before value-at-risk section determines the step of core protects questionnaire corresponding policy type
The corresponding integrated risk value of history declaration form；History declaration form includes accepting insurance declaration form and to declinature declaration form；There is identical comprehensive wind for every group
The history declaration form being nearly worth, counts the first quantity of the declaration form that is judged as accepting insurance, and is judged as declinaturing the second quantity of declaration form；Root
Value-at-risk section is divided according to corresponding first quantity of multiple groups history declaration form and the second quantity.
In one embodiment, when processor executes computer program, that is realized is corresponding according to multiple groups history declaration form
The step of first quantity and the second quantity divide value-at-risk section, comprising the following steps: obtain corresponding first threshold in original section
Value and second threshold；Two classification values are calculated according to the corresponding first threshold in original section and second threshold, pass through two classification values
The minimum value of the sum of the first total quantity and the second total quantity can be obtained；Second total quantity is that integrated risk value is in first threshold
To the sum of the second quantity corresponding between two classification values, the first total quantity is that integrated risk value is in two classification values to the second threshold
Corresponding the sum of the first quantity between value；First threshold and second threshold are adjusted according to two classification values, according to adjustment
First threshold and second threshold adjusted afterwards repartitions value-at-risk section.
In one embodiment, when processor executes computer program, the wind according to locating for integrated risk value realized
Danger value section determines the step of core protects questionnaire corresponding policy type, comprising the following steps: is less than tune when integrated risk value is in
When the corresponding value-at-risk section of first threshold after whole, the corresponding declaration form for determining that core protects questionnaire is declaration form of accepting insurance；When comprehensive wind
When danger value is in first threshold adjusted to value-at-risk section between second threshold adjusted, determine that core protects pair of questionnaire
The declaration form answered is pending declaration form；When integrated risk value is in value-at-risk section corresponding greater than second threshold adjusted,
The corresponding declaration form for determining that core protects questionnaire is to declinature declaration form.
In one embodiment, a kind of computer readable storage medium is provided, computer program is stored thereon with, is calculated
Machine program performs the steps of the core obtained in declaration form and protects questionnaire when being executed by processor；Core is protected in questionnaire comprising multiple initial
Problem and multiple subproblems；It extracts user and has selected Option based on what each initial problem and each subproblem inputted；It obtains
The corresponding sub- value-at-risk of Option has been selected with each；The integrated risk value that core protects questionnaire is calculated according to sub- value-at-risk；Root
Determine that core protects the corresponding policy type of questionnaire according to value-at-risk section locating for integrated risk value.
In one embodiment, when computer program is executed by processor, the core obtained in declaration form realized protects questionnaire
The step of, comprising the following steps: the initial problem in questionnaire tree is obtained, initial questionnaire is generated according to initial problem；Acquisition is based on
Option has been selected in initial questionnaire input；Judge in questionnaire tree with the presence or absence of subproblem corresponding with Option has been selected；When
When there is subproblem corresponding with Option has been selected in questionnaire tree, subproblem is obtained, and generate the new conjunction comprising subproblem
At questionnaire；Obtain and selected Option based on what new synthesis questionnaire inputted, return execute judge to whether there is in questionnaire tree with
The step of having selected Option corresponding subproblem, until there is no subproblem corresponding with Option has been selected in questionnaire tree,
It obtains core and protects questionnaire.
In one embodiment, when computer program is executed by processor, the acquisition realized has selected option mark with each
The step of knowing corresponding sub- value-at-risk, comprising the following steps: selected Option to determine that corresponding disease identifies according to each；It looks into
Look for the mortality that corresponding sick people is identified with each disease；Search the standard death rate of standard group；According to standard
The death rate and each mortality calculate and have accordingly selected the corresponding sub- value-at-risk of Option.
In one embodiment, it when computer program is executed by processor, is being realized according to locating for integrated risk value
Value-at-risk section determine the step of core protects questionnaire corresponding policy type before, it is further comprising the steps of: to obtain respectively multiple
The corresponding integrated risk value of history declaration form；History declaration form includes accepting insurance declaration form and to declinature declaration form；There is identical synthesis for every group
The history declaration form of value-at-risk, counts the first quantity of the declaration form that is judged as accepting insurance, and is judged as declinaturing the second quantity of declaration form；
Value-at-risk section is divided according to corresponding first quantity of multiple groups history declaration form and the second quantity.
In one embodiment, when computer program is executed by processor, that is realized is corresponding according to multiple groups history declaration form
The first quantity and the second quantity divide value-at-risk section the step of, comprising the following steps: obtain original section corresponding first
Threshold value and second threshold；Two classification values are calculated according to the corresponding first threshold in original section and second threshold, pass through two classification
Value can obtain the minimum value of the sum of the first total quantity and the second total quantity；Second total quantity is that integrated risk value is in the first threshold
It is worth to the sum of the second quantity corresponding between two classification values, the first total quantity is that integrated risk value is in two classification values to second
Corresponding the sum of the first quantity between threshold value；First threshold and second threshold are adjusted according to two classification values, according to tune
First threshold and second threshold adjusted after whole repartition value-at-risk section.
In one embodiment, when computer program is executed by processor, realized according to locating for integrated risk value
Value-at-risk section determines the step of core protects questionnaire corresponding policy type, comprising the following steps: is less than when integrated risk value is in
When the corresponding value-at-risk section of first threshold adjusted, the corresponding declaration form for determining that core protects questionnaire is declaration form of accepting insurance；Work as synthesis
When value-at-risk is in first threshold adjusted to value-at-risk section between second threshold adjusted, determine that core protects questionnaire
Corresponding declaration form is pending declaration form；It is greater than the corresponding value-at-risk section of second threshold adjusted when integrated risk value is in
When, the corresponding declaration form for determining that core protects questionnaire is to declinature declaration form.
Those of ordinary skill in the art will appreciate that realizing all or part of the process in above-described embodiment method, being can be with
Relevant hardware is instructed to complete by computer program, the computer program can be stored in a non-volatile computer
In read/write memory medium, the computer program is when being executed, it may include such as the process of the embodiment of above-mentioned each method.Wherein,
To any reference of memory, storage, database or other media used in each embodiment provided herein,
Including non-volatile and/or volatile memory.Nonvolatile memory may include read-only memory (ROM), programming ROM
(PROM), electrically programmable ROM (EPROM), electrically erasable ROM (EEPROM) or flash memory.Volatile memory may include
Random access memory (RAM) or external cache.By way of illustration and not limitation, RAM is available in many forms,
Such as static state RAM (SRAM), dynamic ram (DRAM), synchronous dram (SDRAM), double data rate sdram (DDRSDRAM), enhancing
Type SDRAM (ESDRAM), synchronization link (Synchlink) DRAM (SLDRAM), memory bus (Rambus) direct RAM
(RDRAM), direct memory bus dynamic ram (DRDRAM) and memory bus dynamic ram (RDRAM) etc..
Each technical characteristic of above embodiments can be combined arbitrarily, for simplicity of description, not to above-described embodiment
In each technical characteristic it is all possible combination be all described, as long as however, the combination of these technical characteristics be not present lance
Shield all should be considered as described in this specification.
The several embodiments of the application above described embodiment only expresses, the description thereof is more specific and detailed, but simultaneously
It cannot therefore be construed as limiting the scope of the patent.It should be pointed out that coming for those of ordinary skill in the art
It says, without departing from the concept of this application, various modifications and improvements can be made, these belong to the protection of the application
Range.Therefore, the scope of protection shall be subject to the appended claims for the application patent.
Claims (10)
1. a kind of questionnaire data processing method, which comprises
The core obtained in declaration form protects questionnaire；It includes multiple initial problems and multiple subproblems in questionnaire that the core, which is protected,；
It extracts user and has selected Option based on what each initial problem and each subproblem inputted；
Obtain sub- value-at-risk corresponding with Option has each been selected；
The integrated risk value that the core protects questionnaire is calculated according to sub- value-at-risk；
Determine that the core protects the corresponding policy type of questionnaire according to value-at-risk section locating for the integrated risk value.
2. the method according to claim 1, wherein the core obtained in declaration form protects questionnaire, comprising:
The initial problem in questionnaire tree is obtained, initial questionnaire is generated according to the initial problem；
It obtains and Option has been selected based on the initial questionnaire input；
Judge to have selected the corresponding subproblem of Option with the presence or absence of with described in the questionnaire tree；
When exist in the questionnaire tree with it is described selected Option corresponding subproblem when, obtain the subproblem, and generate
New synthesis questionnaire comprising the subproblem；
It obtains and has selected Option based on what new synthesis questionnaire inputted, return execution is described to judge whether deposit in the questionnaire tree
The subproblem corresponding with Option has been selected the step of, until being not present in the questionnaire tree and having selected Option corresponding
Subproblem obtains core and protects questionnaire.
3. the method according to claim 1, wherein the acquisition sub- wind corresponding with Option has each been selected
Danger value, comprising:
Option has been selected to determine corresponding disease mark according to each；
Search the mortality that corresponding sick people is identified with each disease；
Search the standard death rate of standard group；
According to the standard death rate and each mortality, calculates and accordingly selected the corresponding sub- risk of Option
Value.
4. the method according to claim 1, wherein in the value-at-risk according to locating for the integrated risk value
Section determines that the core is protected before the corresponding policy type of questionnaire, further includes:
The corresponding integrated risk value of multiple history declaration forms is obtained respectively；The history declaration form includes accepting insurance declaration form and to declinature declaration form；
For every group of history declaration form with identical integrated risk value, statistics is judged as accepting insurance the first quantity of declaration form, and by
It is judged to declinaturing the second quantity of declaration form；
Value-at-risk section is divided according to corresponding first quantity of multiple groups history declaration form and the second quantity.
5. according to the method described in claim 4, it is characterized in that, it is described according to corresponding first quantity of multiple groups history declaration form and
Second quantity divides value-at-risk section, comprising:
Obtain the corresponding first threshold in original section and second threshold；
Two classification values are calculated according to the corresponding first threshold in the original section and second threshold, pass through the two classification values energy
Enough obtain the minimum value of the sum of the first total quantity and the second total quantity；Second total quantity is that integrated risk value is in the first threshold
It is worth to the sum of the second quantity corresponding between two classification values, first total quantity is that integrated risk value is in two classification values extremely
Corresponding the sum of the first quantity between second threshold；
The first threshold and the second threshold are adjusted according to two classification value, according to first threshold adjusted
Value-at-risk section is repartitioned with second threshold adjusted.
6. according to the method described in claim 5, it is characterized in that, the value-at-risk area according to locating for the integrated risk value
Between determine that the core protects the corresponding policy type of questionnaire, comprising:
When the integrated risk value is in value-at-risk section corresponding less than first threshold adjusted, determine that the core guarantor asks
The corresponding declaration form of volume is declaration form of accepting insurance；
When the integrated risk value is in first threshold adjusted to value-at-risk section between second threshold adjusted,
The corresponding declaration form for determining that the core protects questionnaire is pending declaration form；
When the integrated risk value is in value-at-risk section corresponding greater than second threshold adjusted, determine that the core guarantor asks
The corresponding declaration form of volume is to declinature declaration form.
7. a kind of questionnaire data processing unit, which is characterized in that described device includes:
Module is obtained, protects questionnaire for obtaining the core in declaration form；It includes multiple initial problems and multiple sons in questionnaire that the core, which is protected,
Problem；
Extraction module has selected Option based on what each initial problem and each subproblem inputted for extracting user；
Computing module, for obtaining sub- value-at-risk corresponding with Option has each been selected；According to sub- value-at-risk be calculated with
The core protects the integrated risk value of questionnaire；
Determining module determines that the core protects the corresponding declaration form of questionnaire for the value-at-risk section according to locating for the integrated risk value
Type.
8. device according to claim 7, which is characterized in that the acquisition module is also used to obtain initial in questionnaire tree
Problem generates initial questionnaire according to the initial problem；It obtains and Option has been selected based on the initial questionnaire input；Judgement
The corresponding subproblem of Option has been selected with the presence or absence of with described in the questionnaire tree；When in the questionnaire tree exist with it is described
When selecting the corresponding subproblem of Option, obtain the subproblem, and generate include the subproblem new synthesis questionnaire；It obtains
Take and Option selected based on new synthesis questionnaire input, return execute whether there is in the judgement questionnaire tree with
The step of selecting Option corresponding subproblem is asked until son corresponding with Option has been selected is not present in the questionnaire tree
Topic obtains core and protects questionnaire.
9. a kind of computer equipment, including memory and processor, the memory are stored with computer program, feature exists
In the step of processor realizes any one of claims 1 to 6 the method when executing the computer program.
10. a kind of computer readable storage medium, is stored thereon with computer program, which is characterized in that the computer program
The step of method described in any one of claims 1 to 6 is realized when being executed by processor.
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