CN109360113B - Automatic policy adjustment method, device, medium and electronic equipment - Google Patents
Automatic policy adjustment method, device, medium and electronic equipment Download PDFInfo
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- CN109360113B CN109360113B CN201811535488.2A CN201811535488A CN109360113B CN 109360113 B CN109360113 B CN 109360113B CN 201811535488 A CN201811535488 A CN 201811535488A CN 109360113 B CN109360113 B CN 109360113B
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Abstract
The embodiment of the invention provides an automatic adjustment method of a policy, which comprises the following steps: acquiring a policy of an insured object meeting preset claims conditions, wherein the policy at least comprises an end date and sales channel information; sorting the policy according to the expiration date of the policy to obtain a first policy list; merging the insurance policies with adjacent termination dates and the same sale channel information in the first insurance policy list to obtain a second insurance policy list; and sequentially managing the combined policy in the second policy list through a management formula contained in the sales channel information to obtain a management result of the combined policy. According to the technical scheme of the embodiment of the invention, a plurality of insurance policies can be merged, settled and paid in one settlement, so that the settlement complexity of a client is reduced, the workload of manual settlement of insurance companies is reduced, the calculation frequency of a settlement system is reduced, and the settlement timeliness and the client satisfaction are improved.
Description
Technical Field
The invention relates to the technical field of computers, in particular to an automatic policy management method, device, medium and electronic equipment.
Background
The current insurance system calculates the amount of the claims and payments, especially the settlement part, basically carries out settlement by manpower, then brings relevant data into the system or does not bring the data into the system, then carries out calculation by manpower according to a settlement formula, and then fills the data into the system to submit the settlement.
Currently, in the insurance company industry, the reason calculation is mostly manually conducted according to the early-stage loss assessment amount and the reason calculation formula, or after the required factor data corresponding to the reason calculation formula is structured in the system, the corresponding factor data is calculated by the system, the factor data is automatically filled in the reason calculation formula of the system, and then the factor data is automatically calculated. On the other hand, even if the system realizes partial settlement automation, and the automatic settlement of the system takes the case as the minimum unit, which means that if a customer purchases a plurality of insurance policies in a department and goes out insurance once, the corresponding settlement range conforms to the plurality of insurance policies purchased in the earlier period, the system must calculate for a plurality of times to complete the final settlement.
It is to be noted that the information disclosed in the above background section is only for enhancement of understanding of the background of the present invention and therefore may include information that does not constitute prior art known to a person of ordinary skill in the art.
Disclosure of Invention
Embodiments of the present invention provide an automatic policy adjustment method, apparatus, medium, and electronic device, so as to overcome, at least to a certain extent, one or more problems in the prior art that manual policy adjustment cannot be performed in batch and the efficiency of a policy adjustment system is low.
Additional features and advantages of the invention will be set forth in the detailed description which follows, or may be learned by practice of the invention.
According to a first aspect of the embodiments of the present invention, there is provided an automatic policy adjustment method, including:
acquiring a policy of an insured object meeting preset claims conditions, wherein the policy at least comprises an end date and sales channel information;
sorting the policy according to the expiration date of the policy to obtain a first policy list;
merging the insurance policies with adjacent termination dates and the same sale channel information in the first insurance policy list to obtain a second insurance policy list;
and sequentially managing the combined policy in the second policy list through a management formula contained in the sales channel information to obtain a management result of the combined policy.
In an embodiment of the present invention, based on the foregoing solution, before the obtaining the policy of the insured object, the method further includes:
and screening the policy of the insured object according to the insurance time of the insured object to obtain the policy of the insured object which meets the preset paying condition.
In an embodiment of the present invention, based on the above scheme, before the sorting the policy by the expiration date of the policy, the method further includes: and pre-sorting the policy according to the sequence of the policy termination dates to obtain the pre-sorted policy.
In an embodiment of the present invention, based on the above scheme, the sorting the policy according to the expiration date of the policy to obtain a first policy list includes:
dividing the policy with the same termination date and different sale channels into a policy set to obtain at least two policy sets;
respectively settling corresponding policy in the at least two policy sets based on a settlement formula contained in the sales channel information to obtain the payment amount of each policy;
accumulating the claim amount of each policy in the at least two policy sets to obtain the claim amount of the policy set;
and sorting the policy set in an ascending order or a descending order based on the claim amount to obtain a sorted first policy list.
In an embodiment of the present invention, based on the above scheme, sequentially processing the combined policy in the second policy list by using the processing formula included in the sales channel information to obtain the processing result of the combined policy, includes:
acquiring sales channel information corresponding to each merged policy in the second policy list;
determining a corresponding rational formula from the sales channel information corresponding to each combined policy;
and carrying out adjustment on the corresponding combined policy through the adjustment formula to obtain an adjustment result of each combined policy.
In an embodiment of the present invention, based on the above scheme, after obtaining the rational result of the merged policy, the method further includes:
and summing the settlement results of the combined insurance policies to obtain a final settlement result of the insured object, and determining the final settlement result as the payment amount to be paid to the insured object.
In an embodiment of the present invention, based on the foregoing solution, the policy further includes: insurance policy number, dangerous seed, first participation time, renewal time and renewal premium.
According to a second aspect of the embodiments of the present invention, there is provided an automatic policy adjustment device, including:
the system comprises an acquisition module, a processing module and a processing module, wherein the acquisition module is used for acquiring a policy that an insured object meets preset claims conditions, and the policy at least comprises an end date and sales channel information;
the sorting module is used for sorting the policy according to the termination date of the policy to obtain a first policy list;
the merging module is used for merging the insurance policies with adjacent termination dates and the same sale channel information in the first insurance policy list to obtain a second insurance policy list;
and the adjustment module is used for sequentially adjusting the combined policy in the second policy list through an adjustment formula contained in the sales channel information to obtain an adjustment result of the combined policy.
In an embodiment of the present invention, based on the foregoing solution, the apparatus further includes:
and the screening module is used for screening the policy of the insured object according to the insurance time of the insured object to obtain the policy of the insured object according with the preset claims and payment conditions.
In an embodiment of the present invention, based on the foregoing solution, the foregoing sorting module is further configured to: and pre-sorting the policy according to the sequence of the policy termination dates to obtain the pre-sorted policy.
In an embodiment of the present invention, based on the foregoing scheme, the sorting module is specifically configured to:
dividing the policy with the same termination date and different sale channels into a policy set to obtain at least two policy sets;
respectively settling corresponding policy in the at least two policy sets based on a settlement formula contained in the sales channel information to obtain the payment amount of each policy;
accumulating the claim amount of each policy in the at least two policy sets to obtain the claim amount of the policy set;
and sorting the policy set in an ascending order or a descending order based on the claim amount to obtain a sorted first policy list.
In an embodiment of the present invention, based on the foregoing scheme, the foregoing rational module is specifically configured to:
acquiring sales channel information corresponding to each merged policy in the second policy list;
determining a corresponding rational formula from the sales channel information corresponding to each combined policy;
and carrying out adjustment on the corresponding combined policy through the adjustment formula to obtain an adjustment result of each combined policy.
In an embodiment of the present invention, based on the foregoing solution, the foregoing rational module is further configured to:
and summing the settlement results of the combined insurance policies to obtain a final settlement result of the insured object, and determining the final settlement result as the payment amount to be paid to the insured object.
According to a third aspect of embodiments of the present invention, there is provided a computer-readable medium, on which a computer program is stored, which when executed by a processor, implements the automatic accounting method of the policy of the first aspect as in the above embodiments.
According to a fourth aspect of embodiments of the present invention, there is provided an electronic apparatus, including: one or more processors; a storage device for storing one or more programs which, when executed by one or more processors, cause the one or more processors to implement the method of automated accounting of warranties as described in the first aspect of the embodiments above.
The technical scheme provided by the embodiment of the invention has the following beneficial effects:
the embodiment of the invention provides an automatic settlement method of a policy, which comprises the steps of obtaining the policy of an insured object meeting preset claims conditions, wherein the policy at least comprises an end date and sales channel information; sorting the policy according to the expiration date of the policy to obtain a first policy list; merging the insurance policies with adjacent termination dates and the same sale channel information in the first insurance policy list to obtain a second insurance policy list; and sequentially managing the policy in the second policy list through a management formula contained in the sales channel information to obtain a management result of each policy. According to the technical scheme of the embodiment of the invention, a plurality of insurance policies can be merged, settled and paid in one settlement, so that the settlement complexity of a client is reduced, the workload of manual settlement of insurance companies is reduced, the calculation frequency of a settlement system is reduced, and the settlement timeliness and the client satisfaction are improved.
It is to be understood that both the foregoing general description and the following detailed description are exemplary and explanatory only and are not restrictive of the invention, as claimed.
Drawings
The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the invention and together with the description, serve to explain the principles of the invention. It is obvious that the drawings in the following description are only some embodiments of the invention, and that for a person skilled in the art, other drawings can be derived from them without inventive effort. In the drawings:
FIG. 1 schematically illustrates a flow diagram of a method for automatic accounting of warranties according to one embodiment of the present invention.
Fig. 2 schematically shows a flow chart of a customer insurance policy responsibility automatic settlement method according to an embodiment of the present invention.
FIG. 3 schematically illustrates a block diagram of an automated accounting device for warranty in accordance with one embodiment of the present invention.
FIG. 4 illustrates a schematic structural diagram of a computer system suitable for use with the electronic device to implement an embodiment of the invention.
Detailed Description
Example embodiments will now be described more fully with reference to the accompanying drawings. Example embodiments may, however, be embodied in many different forms and should not be construed as limited to the examples set forth herein; rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the concept of example embodiments to those skilled in the art.
Furthermore, the described features, structures, or characteristics may be combined in any suitable manner in one or more embodiments. In the following description, numerous specific details are provided to provide a thorough understanding of embodiments of the invention. One skilled in the relevant art will recognize, however, that the invention may be practiced without one or more of the specific details, or with other methods, components, devices, steps, and so forth. In other instances, well-known methods, devices, implementations or operations have not been shown or described in detail to avoid obscuring aspects of the invention.
The block diagrams shown in the figures are functional entities only and do not necessarily correspond to physically separate entities. I.e. these functional entities may be implemented in the form of software, or in one or more hardware modules or integrated circuits, or in different networks and/or processor means and/or microcontroller means.
The flow charts shown in the drawings are merely illustrative and do not necessarily include all of the contents and operations/steps, nor do they necessarily have to be performed in the order described. For example, some operations/steps may be decomposed, and some operations/steps may be combined or partially combined, so that the actual execution sequence may be changed according to the actual situation.
FIG. 1 schematically illustrates a flow diagram of a method for automatic accounting of warranties according to one embodiment of the present invention.
Referring to fig. 1, an automatic policy adjustment method according to an embodiment of the present invention includes the following steps:
step S110, acquiring the policy that the insured object meets the preset claims condition.
In one embodiment of the present invention, the policy includes at least the expiration date and the sales channel information, and may further include: insurance policy number, dangerous species, first participation time, renewal premium and the like.
In one embodiment of the invention, before acquiring the policy of the insured object, the policy of the insured object is screened according to the insurance time of the insured object, and the policy of the insured object meeting the preset paying condition is acquired.
In an embodiment of the present invention, all or part of the policies of the insured object are obtained, and policies in different ranges can be obtained as policies of the insured object that meet the preset claims condition according to different conditions calculated in the practical application.
And step S120, sorting the insurance policies according to the termination dates of the insurance policies to obtain a first insurance policy list.
In an embodiment of the present invention, based on the foregoing scheme, before the policy is sorted for the first time, the policy of the insured object is screened according to the time of emergence of the insured object, and the policy of the insured object meeting the preset claims is obtained.
In one embodiment of the invention, based on the scheme, the policy with the same expiration date and different sale channels in the policy are divided into one policy set, and at least two policy sets are obtained; respectively settling corresponding policy in at least two policy sets based on a preset sales channel information settling formula to obtain the payment amount of each policy; accumulating the claim amount of each policy in at least two policy sets to obtain the claim amount of the policy set; and sorting the policy set in an ascending order or a descending order based on the size of the claim amount to obtain a sorted first policy list.
In an embodiment of the present invention, the first policy list may be a two-dimensional data table, for example, the first policy list may be a two-dimensional data table, where the server splits an obtained policy into a plurality of different groups to be settled according to a risk type, specifically, the server obtains the risk type corresponding to the policy, creates a policy structure table index according to the risk type, splits the policy corresponding to the plurality of risk types into a plurality of groups to be settled according to the index, settles the policy using a sales channel settlement formula corresponding to the policy, sums up the pay amounts of the policies of each policy of a group to obtain the pay amounts of each group, and sorts the policies of each group in ascending order or descending order according to the pay amounts to obtain the first policy list.
Step S130, merging the policy with the same sale channel information and the adjacent expiration date in the first policy list to obtain a second policy list.
In one embodiment of the invention, the policy with the adjacent termination date and the same sale channel information in the first policy list are merged to obtain a second policy list, wherein the second policy list is the same as the first policy list and can be a two-dimensional data table.
And step S140, sequentially managing the combined policy in the second policy list by using a calculation formula included in the sales channel information, and obtaining a calculation result of the combined policy.
In an embodiment of the present invention, the sales channel information corresponding to each merged policy in the second policy list is obtained; determining a corresponding rational formula from the sales channel information corresponding to each merged policy; and (4) carrying out adjustment on the corresponding combined policy through the adjustment formula to obtain an adjustment result of each combined policy.
In an embodiment of the present invention, based on the above scheme, the final settlement result of the insured object is obtained by summing the settlement results of the merged policy, and the final settlement result is determined as the payment amount to be paid to the insured object.
In an embodiment of the present invention, the sales channel information includes a settlement formula, which is a method preset on the server for calculating a settlement according to the related information uploaded by the insured object.
In an embodiment of the present invention, the insured object may be an insured life in the online car appointment emergency claims, because the insured life does not report for payment in the first time after generating a single claim in the emergency claims, but reports all the claims generated in a time period collectively, the insured life generated when the insured life reports for claim is multiple, and the insured life covered by the insured life is multiple, which results in the problems of complex calculation of the payment amount and long period of the payment. The automatic settlement of the policy provided by the embodiment of the invention can well solve the problems, and after the payable policy under the name of the insured is sorted and sorted twice, a plurality of policies can be merged and settled to determine the settlement amount of the user in one settlement, so that the settlement complexity of the client is reduced, the workload of manual settlement of insurance companies is reduced, the calculation frequency of a settlement system is reduced, and the settlement timeliness and the satisfaction of the client are improved.
Fig. 2 schematically shows a flow chart of a customer insurance policy responsibility automatic settlement method according to an embodiment of the present invention.
Referring to fig. 2, the automatic customer insurance policy accounting method according to one embodiment of the present invention includes the following steps:
step S201, selecting all insurance policies under the name of the client;
in one embodiment of the invention, the identity information and the verification information of the insured customer are searched in the user database, and after the search, all insurance policies of the insured customer are selected.
Step S202, screening out insurance policy responsibilities meeting the claim paying conditions according to the insurance time of the client;
in one embodiment of the present invention, the policy includes at least the expiration date and the sales channel information, and may further include: insurance policy number, dangerous species, first participation time, renewal premium and the like.
In one embodiment of the invention, before acquiring the policy of the insured object, the policy of the insured object is screened according to the insurance time of the insured object, and the policy of the insured object meeting the preset paying condition is acquired.
In an embodiment of the present invention, all or part of the policy of the insured customer is obtained, and the policies in different ranges can be obtained as the policies that the insured customer meets the preset claims condition according to different conditions calculated in the practical application.
Step S203, pre-sorting the screened policy obligations according to the insurance deadline;
in one embodiment of the invention, the policy is pre-sorted according to the order of the policy termination date to obtain the pre-sorted policy.
Step S204, sorting the policy obligations with the same insurance expiration date but different sale channels for the first time to obtain a first policy list;
the policy obligations (the respective rational formulas are different) of the same insurance deadline but different sales channels are arranged, the centralized arrangement is calculated according to the rational formulas corresponding to the sales channels, the calculated results are merged and summed, and the corresponding policy obligations are arranged in descending order according to the claim payment amount.
In an embodiment of the present invention, based on the foregoing solution, before the policy is sorted for the first time, the policy of the insured customer is screened according to the insurance time of the insured customer, and the policy of the insured customer meeting the preset claims condition is obtained.
In one embodiment of the invention, based on the scheme, the policy with the same expiration date and different sale channels in the policy are divided into one policy set, and at least two policy sets are obtained; respectively settling corresponding policy in at least two policy sets based on a preset sales channel information settling formula to obtain the payment amount of each policy; accumulating the claim amount of each policy in at least two policy sets to obtain the claim amount of the policy set; and sorting the policy set in an ascending order or a descending order based on the size of the claim amount to obtain a sorted first policy list.
In an embodiment of the present invention, the first policy list may be a two-dimensional data table, for example, the first policy list may be a two-dimensional data table, where the server splits an obtained policy into a plurality of different groups to be settled according to a risk type, specifically, the server obtains the risk type corresponding to the policy, creates a policy structure table index according to the risk type, splits the policy corresponding to the plurality of risk types into a plurality of groups to be settled according to the index, settles the policy using a sales channel settlement formula corresponding to the policy, sums up the pay amounts of the policies of each policy of a group to obtain the pay amounts of each group, and sorts the policies of each group in ascending order or descending order according to the pay amounts to obtain the first policy list.
Step S205, merging the insurance policies with adjacent insurance expiration dates and the same sale channels in the first insurance policy list to obtain a second insurance policy list;
in one embodiment of the present invention, after step S204, the policy with the same sale channel (the same respective rational formula) and adjacent policy expiration periods are merged in sequence.
In one embodiment of the invention, the policy with the adjacent termination date and the same sale channel information in the first policy list are merged to obtain a second policy list, wherein the second policy list is the same as the first policy list and can be a two-dimensional data table.
And step S206, calculating the paying amount by using the corresponding settlement formulas according to the second policy list until the policy which is paid by the client is settled.
In an embodiment of the present invention, based on the subsidy, the settlement results of the combined policies are summed to obtain a final settlement result of the insured customer, and the final settlement result is determined as a payment amount to be paid to the insured customer.
In an embodiment of the present invention, the sales channel information includes a settlement formula, which is a method preset on the server for performing a settlement calculation according to the related information uploaded by the insured customer.
In an embodiment of the invention, the steps can be applied to outpatient emergency treatment claim settlement items, and after twice sorting and arrangement are carried out on payable policy under the name of an insured client, a plurality of policies can be merged and settled to determine the settlement amount in one settlement, so that the settlement complexity of the client is reduced, the workload of artificial settlement of insurance companies is reduced, the calculation frequency of a settlement system is also reduced, and the settlement timeliness and the client satisfaction are improved. .
The following describes embodiments of the apparatus of the present invention, which can be used to perform the above-mentioned automatic policy adjustment method of the present invention.
Fig. 3 schematically illustrates a block diagram of an automated accounting device for warranty in accordance with an embodiment of the present invention.
Referring to fig. 3, an automatic policy adjustment apparatus 300 according to an embodiment of the present invention includes: an acquisition module 301, a sorting module 302, a merging module 303 and a rational module 304; wherein the content of the first and second substances,
an obtaining module 301, configured to obtain an insurance policy that an insured object meets a preset reimbursement condition, where the insurance policy at least includes an expiration date and sales channel information;
a sorting module 302, configured to sort the policy according to the expiration date of the policy to obtain a first policy list;
a merging module 303, configured to merge the policy lists with adjacent expiration dates and the same sales channel information in the first policy list to obtain a second policy list;
and a reconciliation module 304, configured to sequentially reconcile the combined policy in the second policy list by using a reconciliation formula included in the sales channel information, and obtain a reconciliation result of the combined policy.
In an embodiment of the present invention, the apparatus further includes:
the screening module 305 is configured to screen the policy of the insured object according to the insurance time of the insured object, so as to obtain the policy that the insured object meets the preset claims condition.
In an embodiment of the present invention, based on the foregoing solution, the foregoing sorting module 302 is further configured to: and pre-sorting the policy according to the sequence of the policy termination dates to obtain the pre-sorted policy.
In an embodiment of the present invention, based on the foregoing scheme, the sorting module 302 is specifically configured to:
dividing the policy with the same termination date and different sale channels into a policy set to obtain at least two policy sets;
respectively settling corresponding policy in the at least two policy sets based on a settlement formula contained in the sales channel information to obtain the payment amount of each policy;
accumulating the claim amount of each policy in the at least two policy sets to obtain the claim amount of the policy set;
and sorting the policy set in an ascending order or a descending order based on the claim amount to obtain a sorted first policy list.
In an embodiment of the present invention, based on the foregoing solution, the foregoing rational module 304 is specifically configured to:
acquiring sales channel information corresponding to each merged policy in the second policy list;
determining a corresponding rational formula from the sales channel information corresponding to each merged policy;
and (4) carrying out adjustment on the corresponding combined policy through the adjustment formula to obtain an adjustment result of each combined policy.
In an embodiment of the present invention, based on the foregoing solution, the foregoing rational module 304 is further configured to:
and summing the settlement results of the combined insurance policies to obtain a final settlement result of the insured object, and determining the final settlement result as the payment amount to be paid to the insured object.
For details which are not disclosed in the embodiments of the apparatus of the present invention, reference is made to the above-mentioned embodiments of the automatic policy adjustment method of the present invention for the functional modules of the automatic policy adjustment apparatus of the exemplary embodiment of the present invention which correspond to the steps of the above-mentioned embodiments of the automatic policy adjustment method of the present invention.
Referring now to FIG. 4, a block diagram of a computer system 400 suitable for use with the electronic device implementing an embodiment of the invention is shown. The computer system 400 of the electronic device shown in fig. 4 is only an example, and should not bring any limitation to the function and the scope of use of the embodiments of the present invention.
As shown in fig. 4, the computer system 400 includes a Central Processing Unit (CPU)401 that can perform various appropriate actions and processes in accordance with a program stored in a Read Only Memory (ROM)402 or a program loaded from a storage section 408 into a Random Access Memory (RAM) 403. In the RAM 403, various programs and data necessary for system operation are also stored. The CPU 401, ROM 402, and RAM 403 are connected to each other via a bus 404. An input/output (I/O) interface 405 is also connected to bus 404.
The following components are connected to the I/O interface 405: an input section 406 including a keyboard, a mouse, and the like; an output section 407 including a display device such as a Cathode Ray Tube (CRT), a Liquid Crystal Display (LCD), and the like, and a speaker; a storage section 408 including a hard disk and the like; and a communication section 409 including a network interface card such as a LAN card, a modem, or the like. The communication section 409 performs communication processing via a network such as the internet. A driver 410 is also connected to the I/O interface 405 as needed. A removable medium 411 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is mounted on the drive 410 as necessary, so that a computer program read out therefrom is mounted into the storage section 408 as necessary.
In particular, according to an embodiment of the present invention, the processes described above with reference to the flowcharts may be implemented as computer software programs. For example, embodiments of the invention include a computer program product comprising a computer program embodied on a computer-readable medium, the computer program comprising program code for performing the method illustrated in the flow chart. In such an embodiment, the computer program may be downloaded and installed from a network through the communication section 409, and/or installed from the removable medium 411. The above-described functions defined in the system of the present application are executed when the computer program is executed by a Central Processing Unit (CPU) 401.
It should be noted that the computer readable medium shown in the present invention can be a computer readable signal medium or a computer readable storage medium or any combination of the two. A computer readable storage medium may be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination of the foregoing. More specific examples of the computer readable storage medium may include, but are not limited to: an electrical connection having one or more wires, a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the present invention, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. In the present invention, however, a computer readable signal medium may include a propagated data signal with computer readable program code embodied therein, for example, in baseband or as part of a carrier wave. Such a propagated data signal may take many forms, including, but not limited to, electro-magnetic, optical, or any suitable combination thereof. A computer readable signal medium may also be any computer readable medium that is not a computer readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device. Program code embodied on a computer readable medium may be transmitted using any appropriate medium, including but not limited to: wireless, wire, fiber optic cable, RF, etc., or any suitable combination of the foregoing.
The flowchart and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present invention. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams or flowchart illustration, and combinations of blocks in the block diagrams or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.
The units described in the embodiments of the present invention may be implemented by software, or may be implemented by hardware, and the described units may also be disposed in a processor. Wherein the names of the elements do not in some way constitute a limitation on the elements themselves.
As another aspect, the present application also provides a computer-readable medium, which may be contained in the electronic device described in the above embodiments; or may exist separately without being assembled into the electronic device. The computer readable medium carries one or more programs which, when executed by the electronic device, cause the electronic device to implement the method for automatically adjusting a policy as in the above embodiments.
For example, the electronic device may implement as shown in fig. 1: step S110, acquiring a policy of an insured object meeting preset claims conditions, wherein the policy at least comprises an end date and sales channel information; step S120, sorting the policy according to the termination date of the policy to obtain a first policy list; step S130, merging the insurance policies with adjacent termination dates and same sale channel information in the first insurance policy list to obtain a second insurance policy list; and step S140, sequentially managing the combined policy in the second policy list by using a calculation formula included in the sales channel information, and obtaining a calculation result of the combined policy.
For another example, the electronic device may implement the steps shown in fig. 2.
It should be noted that although in the above detailed description several modules or units of the device for action execution are mentioned, such a division is not mandatory. Indeed, the features and functionality of two or more modules or units described above may be embodied in one module or unit, according to embodiments of the invention. Conversely, the features and functions of one module or unit described above may be further divided into embodiments by a plurality of modules or units.
Through the above description of the embodiments, those skilled in the art will readily understand that the exemplary embodiments described herein may be implemented by software, or by software in combination with necessary hardware. Therefore, the technical solution according to the embodiment of the present invention can be embodied in the form of a software product, which can be stored in a non-volatile storage medium (which can be a CD-ROM, a usb disk, a removable hard disk, etc.) or on a network, and includes several instructions to enable a computing device (which can be a personal computer, a server, a touch terminal, or a network device, etc.) to execute the method according to the embodiment of the present invention.
Other embodiments of the invention will be apparent to those skilled in the art from consideration of the specification and practice of the invention disclosed herein. This application is intended to cover any variations, uses, or adaptations of the invention following, in general, the principles of the invention and including such departures from the present disclosure as come within known or customary practice within the art to which the invention pertains. It is intended that the specification and examples be considered as exemplary only, with a true scope and spirit of the invention being indicated by the following claims.
It will be understood that the invention is not limited to the precise arrangements described above and shown in the drawings and that various modifications and changes may be made without departing from the scope thereof. The scope of the invention is limited only by the appended claims.
Claims (6)
1. An automatic policy adjustment method is characterized by comprising the following steps:
searching in a database according to the identity information and the verification information of the insured object, and selecting all insurance policies of the insured object;
screening the policy of the insured object according to the insurance time of the insured object to obtain the policy of the insured object meeting the preset claims condition, wherein the policy at least comprises the termination date and the sale channel information;
dividing the policy with same expiration date and different sale channels into a policy set to obtain at least two policy sets;
respectively settling corresponding policy in at least two policy sets based on a preset sales channel information settling formula to obtain the payment amount of each policy;
accumulating the claim amount of each policy in at least two policy sets to obtain the claim amount of the policy set;
sorting the policy collection in an ascending order or a descending order based on the size of the claim amount to obtain a sorted first policy list, wherein the claim amount corresponds to the policy responsibility;
merging the insurance policies with adjacent termination dates and the same sale channel information in the first insurance policy list to obtain a second insurance policy list;
sequentially managing the combined policy in the second policy list through a management formula contained in the sales channel information to obtain a management result of the combined policy;
and summing the settlement results of the merged insurance policies to obtain a final settlement result of the insured object, and determining the final settlement result as the payment amount to be paid to the insured object.
2. The method according to claim 1, wherein the obtaining the result of the combined policy by sequentially processing the policies combined in the second policy list through the processing formula included in the sales channel information comprises:
acquiring sales channel information corresponding to each merged policy in the second policy list;
determining a corresponding rational formula from the sales channel information corresponding to each combined policy;
and carrying out adjustment on the corresponding combined policy through the adjustment formula to obtain an adjustment result of each combined policy.
3. The method of claim 1, wherein the policy further comprises: insurance policy number, dangerous seed, first participation time, renewal time and renewal premium.
4. An automatic policy adjustment device, comprising:
the receiving module is used for searching in a database according to the identity information and the verification information of the insured object and selecting all insurance policies of the insured object;
the screening module is used for screening the policy of the insured object according to the insurance time of the insured object to obtain the policy of the insured object meeting the preset claims condition, wherein the policy at least comprises the termination date and the sale channel information;
the system comprises a set dividing module, a data processing module and a data processing module, wherein the set dividing module is used for dividing the policy with the same expiration date and different sale channels into a policy set to obtain at least two policy sets;
the collection claim settlement module is used for respectively settling the corresponding policy in the at least two policy sets based on a preset sale channel information settlement formula to obtain the claim amount of each policy, and accumulating the claim amount of each policy in the at least two policy sets to obtain the claim amount of the policy set;
the sorting module is used for sorting the policy set in an ascending order or a descending order based on the amount of the claim, obtaining a first policy list after sorting, wherein the amount of the claim corresponds to the policy responsibility;
the merging module is used for merging the insurance policies with adjacent termination dates and the same sale channel information in the first insurance policy list to obtain a second insurance policy list;
the adjustment module is used for sequentially adjusting the combined policy in the second policy list through an adjustment formula contained in the sales channel information to obtain an adjustment result of the combined policy;
and the summation module is used for summing the settlement results of the merged insurance policies to obtain the final settlement result of the insured object, and determining the final settlement result as the payment amount to be paid to the insured object.
5. A computer-readable medium, on which a computer program is stored, which program, when being executed by a processor, carries out a policy automatic settlement method according to any one of claims 1 to 3.
6. An electronic device, comprising:
one or more processors;
storage means for storing one or more programs which, when executed by the one or more processors, cause the one or more processors to implement the policy automated settlement method according to any one of claims 1 to 3.
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| CN201811535488.2A CN109360113B (en) | 2018-12-14 | 2018-12-14 | Automatic policy adjustment method, device, medium and electronic equipment |
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| CN201811535488.2A CN109360113B (en) | 2018-12-14 | 2018-12-14 | Automatic policy adjustment method, device, medium and electronic equipment |
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| CN109360113A CN109360113A (en) | 2019-02-19 |
| CN109360113B true CN109360113B (en) | 2021-04-13 |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN111489261B (en) * | 2020-04-16 | 2023-07-14 | 中国大地财产保险股份有限公司 | Reinsurance business processing method, device, equipment and readable storage medium |
| CN112102099B (en) * | 2020-09-16 | 2023-11-24 | 泰康保险集团股份有限公司 | Policy data processing method and device, electronic equipment and storage medium |
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Address after: Floor 36, Zheshang Building, No. 718 Jianshe Avenue, Jiang'an District, Wuhan, Hubei 430019 Patentee after: TK.CN INSURANCE Co.,Ltd. Patentee after: TAIKANG INSURANCE GROUP Co.,Ltd. Address before: 156 fuxingmennei street, Xicheng District, Beijing 100031 Patentee before: TAIKANG INSURANCE GROUP Co.,Ltd. Patentee before: TK.CN INSURANCE Co.,Ltd. |