CN109559241A - Processing method, device, medium and the electronic equipment that premium calculates - Google Patents
Processing method, device, medium and the electronic equipment that premium calculates Download PDFInfo
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- CN109559241A CN109559241A CN201811526625.6A CN201811526625A CN109559241A CN 109559241 A CN109559241 A CN 109559241A CN 201811526625 A CN201811526625 A CN 201811526625A CN 109559241 A CN109559241 A CN 109559241A
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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
Abstract
The embodiment of the present disclosure is related to information technology field, a kind of processing method, device, medium and electronic equipment that premium calculates is provided, the processing method that the premium calculates includes: to obtain insurance products to enter to join range, and enter the variable element joined in range by poll and generate into ginseng message；Premium calculating is carried out in conjunction with corresponding calculation template according to entering to join message and entering to join range, obtains the full dose calculated result within the scope of ginseng；When receiving premium computation requests, calculated result corresponding with premium computation requests is inquired from full dose calculated result according to premium computation requests.The embodiment of the present disclosure is before receiving premium computation requests, it generates according to entering to join range into ginseng message, and it calculates and is entering the full dose calculated result joined in range, when receiving premium computation requests, it only needs to inquire calculated result corresponding with premium computation requests from full dose calculated result, without carrying out complete premium calculation process, the response time of premium calculating is greatly shortened.
Description
Technical field
This disclosure relates to information technology field, the processing method calculated in particular to a kind of premium, device, medium
And electronic equipment.
Background technique
The processing links that premium calculates are that vital link in process, different productions are accepted insurance and renewed to new contract
The method for the processing that product form, different channel premiums calculate may be different.The processing that premium calculates is mainly used in
Salesman's exhibition industry, new contract link and declaration form renew or continue insurance, the entrance accepted insurance have bank counter, cell phone application, wechat,
The various types of front end inlets in website etc..Different front end inlets may dock different core systems, such as bank outlets pair
Connect Bank Insurance business core system (BAS), the dangerous business core system (CSC) of the docking such as mechanism site, salesman, mobile terminal
Short dangerous core system (SIC) is connect etc. multipair.
Correspondingly, the processing request that the premium that different core systems accepts different business sides calculates, such as bank are protected
Dangerous business core system (BAS) receiving bank's insurance business request, a danger business core system (CSC) accept the relevant industry in danger
Business request, it is short danger core system (SIC) accept a term and within the relevant service request in short danger, when business side initiate accept insurance
Or premium calculate processing request when, corresponding core system receives request, to premium progress tentative calculation or calculating.
But the declaration form structure and the codomain of field etc. due to each core system such as BAS, CSC, SIC are not quite similar,
Therefore the processing logic that same set of premium calculates is difficult to be multiplexed in each core system, and each core system can only define
The a set of calculating logic of oneself, same type of product is if necessary in multiple cores system for sale, then need to safeguard multiple guarantors
Take the processing logic calculated, not only maintenance cost is high, but also needs a large amount of test to guarantee the calculated result for more covering logic
Consistency.
Therefore, there is also the places that has much room for improvement in technical solution in the prior art.
It should be noted that information is only used for reinforcing the reason to the background of the disclosure disclosed in above-mentioned background technology part
Solution, therefore may include the information not constituted to the prior art known to persons of ordinary skill in the art.
Summary of the invention
The embodiment of the present disclosure is designed to provide a kind of processing method, device, medium and electronic equipment that premium calculates,
And then the disadvantage of existing access mechanism safety difference is overcome at least to a certain extent.
Other characteristics and advantages of the disclosure will be apparent from by the following detailed description, or partially by the disclosure
Practice and acquistion.
According to the first aspect of the embodiments of the present disclosure, a kind of processing method that premium calculates is provided, comprising:
Obtain insurance products enters to join range, and is generated by entering the variable element joined in range described in poll into ginseng report
Text；
Enter to join message and carry out premium calculating in conjunction with corresponding calculation template according to described, obtain it is described enter join it is complete in range
Measure calculated result；
When receiving premium computation requests, inquired from the full dose calculated result according to the premium computation requests with
The corresponding calculated result of the premium computation requests.
In a kind of exemplary embodiment of the disclosure, the acquisition insurance products enter to join range, and pass through poll institute
The variable element within the scope of ginseng is stated to generate into ginseng message, comprising:
The variable element of the insurance products is determined according to the form of the insurance products；
The variation range for setting the variable element obtains described entering to join range；
Enter to join range by variable element described in poll, and calls and enter to join message described in the generation of ginseng common template.
In a kind of exemplary embodiment of the disclosure, it is described enter to join message include that general request information and premium calculate ginseng
Number information, the general request information includes at least one of transaction code, trade date and system type, the premium meter
Parameter information is calculated to include insurer's information, warrantee's essential information, character types, gender, the age, professional code, whether have society
At least one of guarantor and product essential information, wherein the system type is divided into Bank Insurance business core system, a danger
Business core system or short dangerous business core system.
In a kind of exemplary embodiment of the disclosure, it is described enter to join according to message in conjunction with corresponding calculation template into
Row premium calculates, and obtains described entering to join the full dose calculated result in range, comprising:
Enter to join and select a parameter value in range described, enters to join message and be converted to by described according to the general request information
General with general message structure enters to join message；
To it is described it is general enter to join message and parsed to obtain insurance kind coding, responsibility code, according to insurance kind coding and institute
It states responsibility code and inquires corresponding calculation template progress premium calculating；
Enter to join the parameter value more renewed in range and repeat premium and calculate described, obtain it is described enter join it is complete in range
Measure calculated result.
It is described to enter to join message turn by described according to the general request information in a kind of exemplary embodiment of the disclosure
Be changed to general message structure general enters to join message, comprising:
Determine type of transaction for premium calculating according to the transaction code in the general request information；
Enter to join message and be converted to general message by described according to the system type in the general request information
The described of structure general enters to join message.
It is described to be inquired according to insurance kind coding and the responsibility code in a kind of exemplary embodiment of the disclosure
Corresponding calculation template carries out premium calculating, comprising:
Whether there is corresponding verification template according to insurance kind coding and responsibility code inquiry, if inquired corresponding
Verification template, then using insurance kind coding and the responsibility code as entering to join incoming rule module progress data check, institute
It states in rule module comprising the computation rule for different insurance kinds coding and different responsibility codes；
If upchecked, whether there is corresponding calculating mould according to insurance kind coding and responsibility code inquiry
Plate, if inquiring corresponding calculation template, using the premium computation requests as enter ginseng be passed to the calculation template into
Row premium calculates.
In a kind of exemplary embodiment of the disclosure, the full dose calculated result is arrived according to default storage organization storage
In memory database, the default storage organization is loop nesting storage.
In a kind of exemplary embodiment of the disclosure, described calculated according to the premium computation requests from the full dose is tied
Calculated result corresponding with the premium computation requests is inquired in fruit, comprising:
It whether include that core system label judges to the premium computation requests, if in the premium computation requests
Label comprising one of Bank Insurance business core system, a dangerous business core system or short dangerous business core system, then
The moduli type that enters of the premium computation requests is converted into universal model；
It is inquired from the full dose calculated result according to the ginseng that enters of the universal model, if inquired and the guarantor
Take the corresponding calculated result of computation requests, then directly returns corresponding with the premium computation requests in the full dose calculated result
Calculated result.
In a kind of exemplary embodiment of the disclosure, further includes:
If not inquiring calculated result corresponding with the premium computation requests, carried out by inquiring the rule module
Preposition verification, whether preposition verification is inquired to have after passing through according to insurance kind coding and the responsibility code calculates mould accordingly
Plate, if inquiring corresponding calculation template, using the premium computation requests as enter ginseng be passed to the calculation template into
Row premium calculates, and calculated result is saved in memory database.
According to the second aspect of the disclosure, a kind of processing unit that premium calculates is provided, comprising:
Enter moduli block, enters to join range for obtain insurance products, and by entering the variable ginseng joined in range described in poll
Number is generated into ginseng message；
Computing module carries out premium calculating in conjunction with corresponding calculation template for entering to join message according to, obtains described
Enter the full dose calculated result joined in range；
Enquiry module, for being calculated from the full dose according to the premium computation requests when receiving premium computation requests
As a result calculated result corresponding with the premium computation requests is inquired in.
According to the third aspect of an embodiment of the present disclosure, a kind of computer-readable medium is provided, computer journey is stored thereon with
Sequence, the step of processing method that above-described premium calculates is realized when described program is executed by processor.
According to a fourth aspect of embodiments of the present disclosure, a kind of electronic equipment is provided, comprising:
One or more processors；
Storage device, for storing one or more programs, when one or more of programs are one or more of
When processor executes, so that one or more of processors realize the processing method that above-described premium calculates.
The technical solution that the embodiment of the present disclosure provides can include the following benefits:
In the technical solution provided by some embodiments of the present disclosure, on the one hand, before receiving premium computation requests, root
It generates according to entering to join range into ginseng message, and calculates and entering the full dose calculated result joined in range, when receiving premium computation requests,
It only needs to inquire calculated result corresponding with the premium computation requests from full dose calculated result, it is complete without carrying out
Premium calculation process, greatly shorten premium calculating response time.On the other hand, after core system receives premium computation requests
It only needs the premium computation requests being transmitted to premium computing system, premium computing system is inquired after receiving premium computation requests
To corresponding calculated result and core system is returned to, more set premium calculating logics can be safeguarded to avoid each core system.
It should be understood that above general description and following detailed description be only it is exemplary and explanatory, not
The disclosure can be limited.
Detailed description of the invention
The drawings herein are incorporated into the specification and forms part of this specification, and shows the implementation for meeting the disclosure
Example, and together with specification for explaining the principles of this disclosure.It should be evident that the accompanying drawings in the following description is only the disclosure
Some embodiments for those of ordinary skill in the art without creative efforts, can also basis
These attached drawings obtain other attached drawings.In the accompanying drawings:
Fig. 1 shows service system structure figure in disclosure related embodiment；
Fig. 2 shows the calculating logic flow charts of each core system in disclosure related embodiment；
Fig. 3 shows the flow diagram for the processing method that a kind of premium according to an embodiment of the present disclosure calculates；
Fig. 4 shows the flow diagram of step S301 in Fig. 3 in accordance with an embodiment of the present disclosure；
Fig. 5 shows the flow diagram of step S302 in Fig. 3 in accordance with an embodiment of the present disclosure；
Fig. 6 shows the process flow diagram before calculating according to premium in one embodiment of the disclosure；
Fig. 7 shows the business structure figure according to employed in one embodiment of the disclosure；
Fig. 8 is shown according to the process flow diagram in one embodiment of the disclosure in premium calculating process；
Fig. 9 shows the flow chart that overall process is calculated according to premium in one embodiment of the disclosure；
Figure 10 shows the structural schematic diagram for the processing unit that premium according to an embodiment of the present disclosure calculates
Figure 11 shows the structural schematic diagram for being suitable for the computer system for the electronic equipment for being used to realize the embodiment of the present disclosure.
Specific embodiment
Example embodiment is described more fully with reference to the drawings.However, example embodiment can be with a variety of shapes
Formula is implemented, and is not understood as limited to example set forth herein；On the contrary, thesing embodiments are provided so that the disclosure will more
Fully and completely, and by the design of example embodiment comprehensively it is communicated to those skilled in the art.
In addition, described feature, structure or characteristic can be incorporated in one or more implementations in any suitable manner
In example.In the following description, many details are provided to provide and fully understand to embodiment of the disclosure.However,
It will be appreciated by persons skilled in the art that can with technical solution of the disclosure without one or more in specific detail,
Or it can be using other methods, constituent element, device, step etc..In other cases, it is not shown in detail or describes known side
Method, device, realization or operation are to avoid fuzzy all aspects of this disclosure.
Block diagram shown in the drawings is only functional entity, not necessarily must be corresponding with physically separate entity.
I.e., it is possible to realize these functional entitys using software form, or realized in one or more hardware modules or integrated circuit
These functional entitys, or these functional entitys are realized in heterogeneous networks and/or processor device and/or microcontroller device.
Flow chart shown in the drawings is merely illustrative, it is not necessary to including all content and operation/step,
It is not required to execute by described sequence.For example, some operation/steps can also decompose, and some operation/steps can close
And or part merge, therefore the sequence actually executed is possible to change according to the actual situation.
Fig. 1 shows service system structure figure in disclosure related embodiment, as shown in Figure 1, bank outlets, mechanism site,
Salesman's system and mobile terminal these types front end inlet of personal user are required to through firewall and backstage Bank Insurance business
Core system (BAS), a dangerous business core system (CSC) and it is multipair connect short dangerous core system (SIC) and docked, need root
It is respectively connected in corresponding core system according to the type of service accepted insurance, as Bank Insurance business core system is docked in bank outlets
It unites (BAS), the dangerous business core system (CSC) of the docking such as mechanism site, salesman's system, mobile terminal etc. is multipair to connect short dangerous core
System (SIC).
Fig. 2 shows the calculating logic flow charts of each core system in disclosure related embodiment, as shown in Fig. 2, specific packet
Include following steps:
Step S201 opens the processing request that premium calculates.
Step S202 is parsed into ginseng message, cycle calculations premium.
Step S203, calling rule engine execute preposition verification.It is called, is matched by inquiring database in the step
To the regulation engine met into ginseng message.
Step S204 calls computing engines to carry out the processing of premium calculating.It is called and is calculated according to regulation engine in the step
Engine obtains calculation template and Fee Schedule by inquiry database respectively, to carry out the processing of premium calculating.
Step S205 returns to calculated result.
Based on the above-mentioned technical proposal, although the processing logic that calculates of the regular check logic and premium of each core system not
It is identical to the greatest extent, but require repeatedly to access database during carrying out the processing of premium calculating each time, when appearance is high simultaneously
When hair, very big pressure can be caused to database, keeps the response time of business scenario slack-off.Each core system maintenance is respective
Premium calculate processing logic, maintenance and test cost it is also higher, and will appear premium calculating processing result it is different
The case where cause.
For this purpose, the disclosure provides a kind of processing method, device, medium and electronic equipment that premium calculates, it is above-mentioned to solve
Problem does specific introduction to the technical solution of the disclosure below.
Fig. 3 shows the flow diagram for the processing method that premium according to an embodiment of the present disclosure calculates, with reference to Fig. 3,
The premium calculate processing method include:
Step S301, obtain insurance products enters to join range, and raw by entering the variable element joined in range described in poll
At entering to join message.
Step S302 enters to join message and carry out premium calculating in conjunction with corresponding calculation template according to described, obtain it is described enter ginseng
Full dose calculated result in range.
Step S303, when receiving premium computation requests, according to the premium computation requests from the full dose calculated result
In inquire calculated result corresponding with the premium computation requests.
In technical solution provided by embodiment shown in Fig. 3, on the one hand, before receiving premium computation requests, according to entering
Ginseng range is generated into ginseng message, and is calculated and entered the full dose calculated result joined in range, when receiving premium computation requests, is only needed
Calculated result corresponding with the premium computation requests is inquired from full dose calculated result, without completely being protected
Take calculation process, greatly shortens the response time of premium calculating.On the other hand, core system only needs after receiving premium computation requests
The premium computation requests are transmitted to premium computing system, premium computing system, which receives, to be inquired after premium computation requests pair
The calculated result answered simultaneously returns to core system, can safeguard to avoid each core system and cover premium calculating logics more.
The specific implementation of each step of embodiment illustrated in fig. 3 is described in detail below:
In step S301, obtain insurance products enters to join range, and by entering the variable ginseng joined in range described in poll
Number is generated into ginseng message.
Fig. 4 shows the flow diagram of step S301 in above-mentioned Fig. 3, specifically includes the following steps:
Step S401 determines the variable element of the insurance products according to the form of the insurance products.
In a kind of exemplary embodiment of the disclosure, the form of insurance products is divided according to various criterion and demand
Class, including property insurance, personal insurance, liability insurance and credit assurance insurance etc..For the insurance products of different shape, due to
The means of payment, scope of insurance coverage and Claims Resolution mode etc. are all different, therefore variable ginseng corresponding to the insurance products of different shape
Number is not also identical, therefore needs to determine which its variable element has according to insurance form first in carrying out premium calculating process.
Step S402 sets the variation range of the variable element, obtains described entering to join range.
In a kind of exemplary embodiment of the disclosure, after determining variable element, it is also necessary to determine the change of variable element
Change range, such as can determine corresponding variation range according to the historical data of variable element, concrete implementation mode can be
It selects maximum value and minimum value in the historical data, and selects suitable step-length (such as can be by history number according to historical data
According to middle difference minimum value as step-length), then successively increase multiple centres between minimum value and maximum value according to step-length progress
Value, so that this multiple median and minimum value and maximum value just constitute and described enter to join range.
Step S403 enters to join range by variable element described in poll, and calls and enter described in the generation of ginseng common template
Join message.
In a kind of exemplary embodiment of the disclosure, in step S403 by way of batch processing poll variable element
Enter and join range, such as same variable element, it is primary from minimum value to maximum value in entering to join in range for its variable element
Poll is called into ginseng common template and is generated into ginseng message, i.e., a specific value of variable element is updated into ginseng Universal Die
It generates one in the corresponding parameter of plate to enter to join message, the numerical value for then updating variable element is brought into again into ginseng common template pair
Regenerated in the parameter answered one it is new enter to join message, so repeat all to bring variable element entering the numerical value joined in range into
Multiple enter to join message to entering to join to generate in common template.
In a kind of exemplary embodiment of the disclosure, it is described enter to join message include that general request information and premium calculate ginseng
Number information, the general request information includes at least one of transaction code, trade date and system type, the premium meter
Parameter information is calculated to include insurer's information, warrantee's essential information, character types, gender, the age, professional code, whether have society
At least one of guarantor and product essential information, wherein the system type is divided into Bank Insurance business core system, a danger
Business core system or short dangerous business core system.
In step s 302, enter to join message in conjunction with the progress premium calculating of corresponding calculation template according to described, obtain described
Enter the full dose calculated result joined in range.
Fig. 5 shows the flow diagram of step S302 in above-mentioned Fig. 3, enters ginseng according to what above-mentioned steps generated in this step
Message calls corresponding calculation template to carry out premium calculating, specifically includes the following steps:
Step S501, enters to join a selected parameter value in range described, enters to join by described according to the general request information
What message was converted to general message structure general enters to join message.
In a kind of exemplary embodiment of the disclosure, which is specifically included:
Firstly, determining type of transaction for premium calculating according to the transaction code in the general request information；
Then, enter to join message and be converted to general by described according to the system type in the general request information
The described of message structure general enters to join message.
Step S502, to it is described it is general enter to join message and parsed to obtain insurance kind coding, responsibility code, according to the insurance kind
Coding and the responsibility code inquire corresponding calculation template and carry out premium calculating.
In a kind of exemplary embodiment of the disclosure, which is specifically included:
Whether there is corresponding verification template according to insurance kind coding and responsibility code inquiry, if inquired corresponding
Verification template, then using insurance kind coding and the responsibility code as entering to join incoming rule module progress data check, institute
It states in rule module comprising the computation rule for different insurance kinds coding and different responsibility codes；
If upchecked, whether there is corresponding calculating mould according to insurance kind coding and responsibility code inquiry
Plate, if inquiring corresponding calculation template, using the premium computation requests as enter ginseng be passed to the calculation template into
Row premium calculates.
Step S503 enters to join the parameter value more renewed in range and repeat premium and calculate described, obtain it is described enter ginseng
Full dose calculated result in range.
Enter to join message and extract the parameter value S501~S502 that repeats the above steps to obtain according to new entering to join in range
The parameter value of update carries out the calculated result that premium is calculated, and finally enters to join message all polls one to entering the whole joined in range
After, obtain aiming at entering the possible premium calculated result of whole joined in range, i.e. full dose calculated result.
In a kind of exemplary embodiment of the disclosure, after step S503, by the full dose calculated result according to default
Storage organization is stored in memory database (i.e. Redis memory), and the default storage organization is loop nesting storage.More into one
Step, storage can store the full dose calculated result in database (i.e. MySQL) to after memory database, can be with
Full dose calculated result is saved in excel.
Based on above-mentioned steps S301~S302, some processing before premium calculates are completed.
Fig. 6 shows the process flow diagram before calculating according to premium in one embodiment of the disclosure, as shown in fig. 6, including following
Step:
Step S601, input insurance products coding selection variable element, selects the product according to different product form
Variable element.
Step S602 inputs variable element and enters to join range, determines the change of variable element according to historical data or empirical value
Change range.
Step S603, poll enter to join range, generate into ginseng common template into ginseng message according to passing through.
Step S604 calls computing engines to carry out premium calculating.Premium calculate template according to insurance products form not
In the database with storage, to Mysql data base querying calculation template and Fee Schedule, calculation template is real by Groovy script
It is existing, realize dynamically load calculation template.
Step S605, calculated result save.The result that premium calculates is saved in Redis and falls library to Mysql, simultaneously
It is saved in excel table, ultimately generates complete premium calculation result table.
Process shown in Fig. 6 occur real premium calculate transaction business before, main purpose be calculate in advance it is various
The premium calculated result value of situation, and store into Redis memory and database, while generating excel result table.
Later, it when practical business carries out premium calculating, is matched according to the specific premium computation requests of core system
Corresponding calculated result is obtained with inquiry, at this time without carrying out complete premium calculation process.
In step S303, when receiving premium computation requests, calculated according to the premium computation requests from the full dose
As a result calculated result corresponding with the premium computation requests is inquired in.
In a kind of exemplary embodiment of the disclosure, described calculated according to the premium computation requests from the full dose is tied
Calculated result corresponding with the premium computation requests is inquired in fruit, comprising:
It whether include that core system label judges to the premium computation requests, if in the premium computation requests
Label comprising one of Bank Insurance business core system, a dangerous business core system or short dangerous business core system, then
The moduli type that enters of the premium computation requests is converted into universal model；
It is inquired from the full dose calculated result according to the ginseng that enters of the universal model, if inquired and the guarantor
Take the corresponding calculated result of computation requests, then directly returns corresponding with the premium computation requests in the full dose calculated result
Calculated result.
In a kind of exemplary embodiment of the disclosure, further includes:
If not inquiring calculated result corresponding with the premium computation requests, carried out by inquiring the rule module
Preposition verification, whether preposition verification is inquired to have after passing through according to insurance kind coding and the responsibility code calculates mould accordingly
Plate, if inquiring corresponding calculation template, using the premium computation requests as enter ginseng be passed to the calculation template into
Row premium calculates, and calculated result is saved in memory database.
Based on above-mentioned steps S303, some processing in premium calculating process are completed.
Fig. 7 is shown according to the process flow diagram in one embodiment of the disclosure in premium calculating process, as shown in fig. 7, comprises
Following steps:
Step S701, according to entering to join message, whether the marker for judgment containing core system needs to carry out model conversion,
If the label containing core system goes to step S702, if not containing the label of core system, step is gone to
S703；
Special purpose model is converted to universal model by step S702；
Step S703 inquires the premium calculated result stored in Redis according to ginseng is entered；
Step S704 judges whether that inquiry obtains as a result, step S708 is gone to if inquiring, if not inquiring
Go to step S705；
Step S705 carries out preposition verification by inquiry data base call regulation engine；
Step S706 calls computing engines to carry out premium calculating.Premium calculate template according to insurance products form not
In the database with storage, to Mysql data base querying calculation template and Fee Schedule, calculation template is real by Groovy script
It is existing, realize dynamically load calculation template.
Step S707, calculated result save, and the result that premium calculates is saved in Redis.
Step S708 returns to calculated result.
It based on above-mentioned steps S701~S708, carries out actual premium and calculates transaction, premium meter is initiated by each business side
It calculates request and arrives each core system, premium computation requests are forwarded to premium computing system and carry out premium calculating, obtained by each core system
To calculated result.
It, can be according to the core system marker for judgment entered in ginseng, if it is entering for other core systems according to above-mentioned steps
Moduli type then needs the universal model for being converted to premium computing system to be calculated；Enter ginseng first from Redis according to universal model
Middle inquiry premium calculated result, if there is then directly returning to calculated result, if it is not, first carrying out the preposition school of premium calculating
It tests, verification carries out premium calculating by then calling computing engines load to calculate script, and calculated result is saved in Redis.
Fig. 8 shows the business structure figure according to employed in one embodiment of the disclosure, system architecture as shown in Figure 8, with phase
Difference shown in Fig. 1 in embodiment is closed, premium computing system, premium computing system are also added on the basis of each core system
With Bank Insurance business core system (BAS), a dangerous business core system (CSC) and multipair connect short dangerous core system (SIC)
It is docked, gives specific premium calculating task to premium computing system with this to do, each core system only needs to turn
Send out premium computation requests.Hereinafter, calculating above-mentioned premium and calculating knot based on one specific example of above system architecture combined
The process of fruit inquiry is introduced.
Based on above-mentioned system shown in Figure 8 framework, Fig. 9 shows the stream that overall process is calculated according to premium in one embodiment of the disclosure
Cheng Tu, as shown in Figure 9, comprising the following steps:
Step S901, the message that enters to join that core system calculates premium are sent to premium computing system, enter to join in message and wrap
Include general request information and premium calculating parameter relevant information, include in general request information transaction code, trade date with
And system type；It include throwing, warrantee's essential information in premium calculating parameter: character types (throwing, warrantee), gender, year
Whether age professional code, has social security and product essential information.
Step S902, premium computing system judge that type of transaction calculates for premium according to the transaction code entered in ginseng request,
Judge whether the system needs to be converted to the identifiable general message structure of premium computing system further according to system type, if needed
It converts, then carries out message structure according to the mapping relations of the system and premium computing system and codomain is converted.
Step S903, parsing premium calculating is general to be entered to join message, carries out traversal calculating by insurance kind, the structure of responsibility, according to
Responsibility code, insurance kind coding inquire whether the coding is configured with verification template, will duty if being configured with corresponding verification template
Appoint, insurance kind level carries out data check as entering to join incoming regulation engine, if whether verification warrantee's age during insuring
Deng.
Step S904 inquires whether the coding is configured with calculation template according to responsibility, insurance kind coding, and calculation template is that can match
Premium is calculated if being configured with calculation template and is passed to computing engines into ginseng by the Groovy script set, and loads Groovy script
Premium calculating is carried out, Groovy script is executable code statement, according to the executable following operation of Groovy script: enquiry fee
Rate value carries out premium calculating.
Step S905, the result that premium is calculated are stored according to specific structure in memory database (Redis), storage
Structure is loop nesting storage, i.e., is all the storage organization of key:value structure in each layer of value value, until getting most
Whole premium calculated result value.
Step S906, premium calculates each time all can first obtain premium calculated result from Redis, if there is result is then straight
It connects and returns the result, if the operation that can enter S904, S905 step without if.
S901~S906 through the above steps, each core system in the present embodiment are patrolled without respectively maintenance premium calculating
Volume, computation model is configured by way of Groovy script, realizes the flexible configuration of premium calculation template；It is calculated by premium
Pre-treatment, calculated result is saved in Redis, when practical business carries out premium calculating, without carrying out complete premium
Calculation process substantially reduces the response time of premium calculating.
In conclusion the processing method calculated using the premium that the embodiment of the present disclosure provides, on the one hand, receive premium calculating
It before request, generates according to entering to join range into ginseng message, and calculate and entering the full dose calculated result joined in range, when receiving premium
When computation requests, it is only necessary to calculated result corresponding with the premium computation requests is inquired from full dose calculated result,
Without carrying out complete premium calculation process, the response time of premium calculating is greatly shortened.On the other hand, core system receives guarantor
It only needs the premium computation requests being transmitted to premium computing system after expense computation requests, premium computing system receives premium meter
Corresponding calculated result is inquired after calculating request and returns to core system, and more set premium meters can be safeguarded to avoid each core system
Calculate logic.
The Installation practice of the disclosure introduced below can be used for executing the processing side that the above-mentioned premium of the disclosure calculates
Method.
Figure 10 shows the structural schematic diagram for the processing unit that premium according to an embodiment of the present disclosure calculates, with reference to Figure 10,
The processing unit 1000 that premium calculates, comprising: enter moduli block 1001, computing module 1002 and enquiry module 1003.
Enter moduli block 1001 and enter to join range for obtain insurance products, and is variable in range by entering to join described in poll
Parameter is generated into ginseng message；Computing module 1002 carries out based on premium by entering to join message according in conjunction with corresponding calculation template
It calculates, obtains described entering to join the full dose calculated result in range；Enquiry module 1003 is used for when receiving premium computation requests, according to
The premium computation requests inquire calculated result corresponding with the premium computation requests from the full dose calculated result.
Each functional module and above-mentioned premium meter due to the processing unit of the premium calculating of the example embodiment of the disclosure
The step of example embodiment of the processing method of calculation, is corresponding, therefore for those undisclosed details in the apparatus embodiments, asks
Referring to the embodiment for the processing method that the above-mentioned premium of the disclosure calculates.
Below with reference to Figure 11, it illustrates the computer systems for the electronic equipment for being suitable for being used to realize the embodiment of the present disclosure
1100 structural schematic diagram.The computer system 1100 of electronic equipment shown in Figure 11 is only an example, should not be to the disclosure
The function and use scope of embodiment bring any restrictions.
As shown in figure 11, computer system 1100 include central processing unit (CPU) 1101, can according to be stored in only
It reads the program in memory (ROM) 1102 or is loaded into random access storage device (RAM) 1103 from storage section 1108
Program and execute various movements appropriate and processing.In RAM 1103, be also stored with various programs needed for system operatio and
Data.CPU 1101, ROM 1102 and RAM 1103 are connected with each other by bus 1104.Input/output (I/O) interface 1105
It is also connected to bus 1104.
I/O interface 1105 is connected to lower component: the importation 1106 including keyboard, mouse etc.；Including such as cathode
The output par, c 1107 of ray tube (CRT), liquid crystal display (LCD) etc. and loudspeaker etc.；Storage section including hard disk etc.
1108；And the communications portion 1109 of the network interface card including LAN card, modem etc..Communications portion 1109 passes through
Communication process is executed by the network of such as internet.Driver 1110 is also connected to I/O interface 1105 as needed.It is detachable to be situated between
Matter 1111, such as disk, CD, magneto-optic disk, semiconductor memory etc. are mounted on as needed on driver 1110, so as to
In being mounted into storage section 1108 as needed from the computer program read thereon.
Particularly, in accordance with an embodiment of the present disclosure, it may be implemented as computer above with reference to the process of flow chart description
Software program.For example, embodiment of the disclosure includes a kind of computer program product comprising be carried on computer-readable medium
On computer program, which includes the program code for method shown in execution flow chart.In such reality
It applies in example, which can be downloaded and installed from network by communications portion 1109, and/or from detachable media
1111 are mounted.When the computer program is executed by central processing unit (CPU) 1101, executes in the system of the application and limit
Above-mentioned function.
It should be noted that computer-readable medium shown in the disclosure can be computer-readable signal media or meter
Calculation machine readable storage medium storing program for executing either the two any combination.Computer readable storage medium for example can be --- but not
Be limited to --- electricity, magnetic, optical, electromagnetic, infrared ray or semiconductor system, device or device, or any above combination.Meter
The more specific example of calculation machine readable storage medium storing program for executing can include but is not limited to: have the electrical connection, just of one or more conducting wires
Taking formula computer disk, hard disk, random access storage device (RAM), read-only memory (ROM), erasable type may be programmed read-only storage
Device (EPROM or flash memory), optical fiber, portable compact disc read-only memory (CD-ROM), light storage device, magnetic memory device,
Or above-mentioned any appropriate combination.In the disclosure, computer readable storage medium can be it is any include or storage journey
The tangible medium of sequence, the program can be commanded execution system, device or device use or in connection.And at this
In open, computer-readable signal media may include in a base band or as the data-signal that carrier wave a part is propagated,
Wherein carry computer-readable program code.The data-signal of this propagation can take various forms, including but unlimited
In electromagnetic signal, optical signal or above-mentioned any appropriate combination.Computer-readable signal media can also be that computer can
Any computer-readable medium other than storage medium is read, which can send, propagates or transmit and be used for
By the use of instruction execution system, device or device or program in connection.Include on computer-readable medium
Program code can transmit with any suitable medium, including but not limited to: wireless, electric wire, optical cable, RF etc. are above-mentioned
Any appropriate combination.
Flow chart and block diagram in attached drawing are illustrated according to the system of the various embodiments of the disclosure, method and computer journey
The architecture, function and operation in the cards of sequence product.In this regard, each box in flowchart or block diagram can generation
A part of one module, program segment or code of table, a part of above-mentioned module, program segment or code include one or more
Executable instruction for implementing the specified logical function.It should also be noted that in some implementations as replacements, institute in box
The function of mark can also occur in a different order than that indicated in the drawings.For example, two boxes succeedingly indicated are practical
On can be basically executed in parallel, they can also be executed in the opposite order sometimes, and this depends on the function involved.Also it wants
It is noted that the combination of each box in block diagram or flow chart and the box in block diagram or flow chart, can use and execute rule
The dedicated hardware based systems of fixed functions or operations is realized, or can use the group of specialized hardware and computer instruction
It closes to realize.
Being described in unit involved in the embodiment of the present disclosure can be realized by way of software, can also be by hard
The mode of part realizes that described unit also can be set in the processor.Wherein, the title of these units is in certain situation
Under do not constitute restriction to the unit itself.
As on the other hand, present invention also provides a kind of computer-readable medium, which be can be
Included in electronic equipment described in above-described embodiment；It is also possible to individualism, and without in the supplying electronic equipment.
Above-mentioned computer-readable medium carries one or more program, when the electronics is set by one for said one or multiple programs
When standby execution, so that the electronic equipment realizes the processing method calculated such as above-mentioned premium as described in the examples.
For example, the electronic equipment may be implemented as shown in Figure 3: step S301: obtain insurance products enters ginseng
Range, and the variable element joined in range is entered by poll and is generated into ginseng message；Step S302: message and enter to join model according to entering to join
It encloses and carries out premium calculating in conjunction with corresponding calculation template, obtain the full dose calculated result within the scope of ginseng；Step S303: when receiving
When premium computation requests, calculating corresponding with premium computation requests is inquired from full dose calculated result according to premium computation requests
As a result.
It should be noted that although being referred to several modules or list for acting the equipment executed in the above detailed description
Member, but this division is not enforceable.In fact, according to embodiment of the present disclosure, it is above-described two or more
Module or the feature and function of unit can embody in a module or unit.Conversely, an above-described mould
The feature and function of block or unit can be to be embodied by multiple modules or unit with further division.
Through the above description of the embodiments, those skilled in the art is it can be readily appreciated that example described herein is implemented
Mode can also be realized by software realization in such a way that software is in conjunction with necessary hardware.Therefore, according to the disclosure
The technical solution of embodiment can be embodied in the form of software products, which can store non-volatile at one
Property storage medium (can be CD-ROM, USB flash disk, mobile hard disk etc.) in or network on, including some instructions are so that a calculating
Equipment (can be personal computer, server, touch control terminal or network equipment etc.) is executed according to disclosure embodiment
Method.
Those skilled in the art after considering the specification and implementing the invention disclosed here, will readily occur to its of the disclosure
Its embodiment.This application is intended to cover any variations, uses, or adaptations of the disclosure, these modifications, purposes or
Person's adaptive change follows the general principles of this disclosure and including the undocumented common knowledge in the art of the disclosure
Or conventional techniques.The description and examples are only to be considered as illustrative, and the true scope and spirit of the disclosure are by following
Claim is pointed out.
It should be understood that the present disclosure is not limited to the precise structures that have been described above and shown in the drawings, and
And various modifications and changes may be made without departing from the scope thereof.The scope of the present disclosure is only limited by the accompanying claims.
Claims (12)
1. the processing method that a kind of premium calculates characterized by comprising
Obtain insurance products enters to join range, and is generated by entering the variable element joined in range described in poll into ginseng message；
Enter to join message and carry out premium calculating in conjunction with corresponding calculation template according to described, obtains described entering to join the full dose meter in range
Calculate result；
When receiving premium computation requests, inquired from the full dose calculated result according to the premium computation requests with it is described
The corresponding calculated result of premium computation requests.
2. the processing method that premium according to claim 1 calculates, which is characterized in that the acquisition insurance products enter ginseng
Range, and generated by entering the variable element joined in range described in poll into ginseng message, comprising:
The variable element of the insurance products is determined according to the form of the insurance products；
The variation range for setting the variable element obtains described entering to join range；
Enter to join range by variable element described in poll, and calls and enter to join message described in the generation of ginseng common template.
3. the processing method that premium according to claim 1 calculates, which is characterized in that it is described enter to join message include general ask
Information and premium calculating parameter information are asked, the general request information includes in transaction code, trade date and system type
At least one, the premium calculating parameter information include insurer's information, warrantee's essential information, character types, gender, year
Whether age professional code, has at least one of social security and product essential information, wherein the system type is divided into bank guarantor
Dangerous business core system, a dangerous business core system or short dangerous business core system.
4. the processing method that premium according to claim 3 calculates, which is characterized in that described to enter to join message knot according to
It closes corresponding calculation template and carries out premium calculating, obtain described entering to join the full dose calculated result in range, comprising:
Enter to join and select a parameter value in range described, enters to join message and be converted to and have by described according to the general request information
The general of general message structure enters to join message；
To it is described it is general enter to join message and parsed to obtain insurance kind coding, responsibility code, according to insurance kind coding and the duty
Appoint coding to inquire corresponding calculation template and carries out premium calculating；
Enter to join the parameter value more renewed in range and repeat premium and calculate described, obtains described entering to join the full dose meter in range
Calculate result.
5. the processing method that premium according to claim 4 calculates, which is characterized in that described to be believed according to the general request
Breath by it is described enter join that message is converted to general message structure general enter to join message, comprising:
Determine type of transaction for premium calculating according to the transaction code in the general request information；
Enter to join message and be converted to general message structure by described according to the system type in the general request information
Described general enter to join message.
6. the processing method that premium according to claim 4 calculates, which is characterized in that it is described according to insurance kind coding and
The responsibility code inquires corresponding calculation template and carries out premium calculating, comprising:
Whether there is corresponding verification template according to insurance kind coding and responsibility code inquiry, if inquiring corresponding school
Template is tested, then carries out data check, the rule using insurance kind coding and the responsibility code as entering to join incoming rule module
Then include the computation rule for different insurance kinds coding and different responsibility codes in module；
If upchecked, whether there is corresponding calculation template according to insurance kind coding and responsibility code inquiry, such as
Fruit inquires corresponding calculation template, then is passed to the calculation template progress premium using the premium computation requests as ginseng is entered
It calculates.
7. the processing method that premium according to claim 6 calculates, which is characterized in that by the full dose calculated result according to
Into memory database, the default storage organization is loop nesting storage for default storage organization storage.
8. the processing method that premium according to claim 6 calculates, which is characterized in that described to be asked according to premium calculating
It asks and inquires calculated result corresponding with the premium computation requests from the full dose calculated result, comprising:
It whether include that core system label judges to the premium computation requests, if including in the premium computation requests
The label of one of Bank Insurance business core system, a dangerous business core system or short dangerous business core system, then by institute
The moduli type that enters for stating premium computation requests is converted to universal model；
It is inquired from the full dose calculated result according to the ginseng that enters of the universal model, if inquired and the premium meter
It calculates and requests corresponding calculated result, then directly return to calculating corresponding with the premium computation requests in the full dose calculated result
As a result.
9. the processing method that premium according to claim 6 calculates, which is characterized in that further include:
It is preposition by inquiring the rule module progress if not inquiring calculated result corresponding with the premium computation requests
Verification, preposition verification encodes after passing through according to the insurance kind and whether responsibility code inquiry has corresponding calculation template, such as
Fruit inquires corresponding calculation template, then is passed to the calculation template progress premium using the premium computation requests as ginseng is entered
It calculates, and calculated result is saved in memory database.
10. the processing unit that a kind of premium calculates characterized by comprising
Enter moduli block, enters to join range for obtain insurance products, and raw by entering the variable element joined in range described in poll
At entering to join message；
Computing module carries out premium calculating in conjunction with corresponding calculation template for entering to join message according to, obtain it is described enter ginseng
Full dose calculated result in range；
Enquiry module, for when receiving premium computation requests, according to the premium computation requests from the full dose calculated result
In inquire calculated result corresponding with the premium computation requests.
11. a kind of computer-readable medium, is stored thereon with computer program, which is characterized in that described program is held by processor
The step of processing method that premium as claimed in any one of claims 1-9 wherein calculates is realized when row.
12. a kind of electronic equipment characterized by comprising
One or more processors；
Storage device, for storing one or more programs, when one or more of programs are by one or more of processing
When device executes, so that one or more of processors realize the place that premium as claimed in any one of claims 1-9 wherein calculates
Reason method.
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| CN201811526625.6A CN109559241A (en) | 2018-12-13 | 2018-12-13 | Processing method, device, medium and the electronic equipment that premium calculates |
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| CN201811526625.6A CN109559241A (en) | 2018-12-13 | 2018-12-13 | Processing method, device, medium and the electronic equipment that premium calculates |
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