CN109785153B - Device, method and storage medium for reconfirm check - Google Patents
Device, method and storage medium for reconfirm check Download PDFInfo
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- CN109785153B CN109785153B CN201811526498.XA CN201811526498A CN109785153B CN 109785153 B CN109785153 B CN 109785153B CN 201811526498 A CN201811526498 A CN 201811526498A CN 109785153 B CN109785153 B CN 109785153B
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Abstract
The invention relates to a data analysis technology, and discloses a device, a method and a storage medium for checking a reconfirm, wherein the method comprises the following steps: after receiving the request of month check, downloading the reinsurance data of the current year and the last year for contracts which are not newly added; if the data is the reinsurance data of the first month of the year, calculating the difference proportion of the reinsurance data of the month and the same period of the last year so as to analyze whether the reinsurance data of the month is abnormal data or not; if the data is not the first month of the current year, calculating a first difference proportion of the first month and the first month of the same period of the previous year, and calculating a second difference proportion of the first month and the first month of the same period of the previous year to analyze whether the first month of the first month is abnormal data or not; if the re-holding data of the month is abnormal data, displaying an abnormal state on the month operation page, and sending a monitoring mail to a preset terminal. The invention can improve the efficiency of the operation of the reconveying moon knot.
Description
Technical Field
The present invention relates to the field of data analysis technologies, and in particular, to a device, a method, and a storage medium for reconfirm checking.
Background
Reinsurance, also called sub-insurance, is the process of an insurer to handle some or all of its underwritten dangerous responsibilities to other insurers, i.e. insurance of the insurance, or to consider the sharing of responsibilities between insurers, i.e. sub-insurance, with the main purpose of avoiding too much risk concentrated inside the insurer.
At present, when the month is reserved again, the business needs to manually download a mechanism library data checking result on a month operation page, manually check whether the month data is abnormal or not by comparing the difference between the month data and the synchronization through excel, and continue the next month step after judging that the month data is abnormal or not. In most cases, the moon knot data are normal, but the follow-up steps still need to be continued after the manual inspection is finished, so that the workload is large, and the moon knot protection efficiency is low.
Disclosure of Invention
The invention aims to provide a device, a method and a storage medium for checking a reconfirm, aiming to improve the efficiency of the reconfirm operation.
In order to achieve the above object, the present invention provides a device for re-protecting a lunar junction inspection, the device for re-protecting a lunar junction inspection includes a memory and a processor connected to the memory, the memory stores a processing system capable of running on the processor, and the processing system when executed by the processor implements the following steps:
after the monthly job page receives a request for performing monthly check, the reinsurance data of the current year and the reinsurance data of the last year are downloaded from a reinsurance database for reinsurance data of contracts which are not newly added;
if the data is the reinsurance data of the first month of the year, calculating a first difference ratio of the reinsurance data of the month and the reinsurance data of the same period of the previous year, and analyzing whether the reinsurance data of the month is abnormal data or not based on the first difference ratio;
if the data is not the first month of the current year, calculating a first difference ratio of the first month of the data and the last year of the data, calculating a second difference ratio of the first month of the data and the last month of the data, and analyzing whether the first month of the data is abnormal or not based on the first difference ratio and the second difference ratio;
if the re-holding data of the month is abnormal data, displaying an abnormal state on the month operation page, and sending a monitoring mail to a preset terminal for prompting.
Preferably, the repay data includes repay fees, commissions and reimbursements.
Preferably, the step of calculating a first difference ratio between the re-ensured data of the month and the re-ensured data of the same period of the previous year, and analyzing whether the re-ensured data of the month is abnormal data based on the first difference ratio specifically includes:
obtaining a first policy of the same contract, same risk and same reinsurance company of the month, respectively obtaining reinsurance, commission and claim sharing in the first policy, obtaining a second policy of the same contract, same risk and same reinsurance company of the same year in the same period of the last year, and respectively obtaining reinsurance, commission and claim sharing in the second policy;
calculating the repayment rate in the first policy and the repayment rate in the second policy to obtain a difference proportion of the first repayment rate, calculating the commission rate in the first policy and the commission rate in the second policy to obtain a difference proportion of the first commission rate, and calculating the claim sharing rate in the first policy and the claim sharing rate in the second policy to obtain a difference proportion of the first claim sharing rate;
if the difference proportion of the first repay is not in the preset first proportion range, or the difference proportion of the first manual repay is not in the preset first proportion range, or the difference proportion of the first claim is not in the preset first proportion range, the data of the month is abnormal data.
Preferably, the step of calculating the second difference ratio between the re-guaranteed data of the month and the re-guaranteed data of the previous month specifically includes:
obtaining a third policy of the same contract, the same risk and the same reinsurance company of the previous month, and respectively obtaining reinsurance, commission and claim sharing in the third policy;
calculating the repayment rate in the first policy and the repayment rate in the third policy to obtain a difference proportion of a second repayment rate, calculating the commission rate in the first policy and the commission rate in the third policy to obtain a difference proportion of a second commission rate, and calculating the claim sharing rate in the first policy and the claim sharing rate in the third policy to obtain a difference proportion of a second claim sharing rate;
the step of analyzing whether the reconfirm data of the month is abnormal data based on the first difference proportion and the second difference proportion specifically comprises the following steps:
if the difference ratio of the first recurring benefits is not in the preset first ratio range, or the difference ratio of the first claims is not in the preset first ratio range, or the difference ratio of the second recurring benefits is not in the preset second ratio range, or the difference ratio of the second claims is not in the preset second ratio range, the data of the second recurring benefits is abnormal data.
In order to achieve the above object, the present invention further provides a method for checking a reconfirm knot, the method for checking a reconfirm knot comprising:
s1, after a monthly job page receives a request for performing monthly check, the reinsurance data of the year and the reinsurance data of the last year are downloaded from a reinsurance database for reinsurance data of contracts which are not newly added;
s2, if the data is the re-protection data of the first month of the year, calculating a first difference ratio of the re-protection data of the month and the re-protection data of the same period of the previous year, and analyzing whether the re-protection data of the month is abnormal data or not based on the first difference ratio;
s3, if the data is not the first month of the current year, calculating a first difference ratio of the first month of the data and the last year of the data, calculating a second difference ratio of the first month of the data and the last month of the data, and analyzing whether the first month of the data is abnormal or not based on the first difference ratio and the second difference ratio;
and S4, if the reconfirm data of the month is abnormal data, displaying an abnormal state on the month operation page, and sending a monitoring mail to a preset terminal to prompt.
Preferably, the repay data includes repay fees, commissions and reimbursements.
Preferably, the step of calculating a first difference ratio between the re-ensured data of the month and the re-ensured data of the same period of the previous year, and analyzing whether the re-ensured data of the month is abnormal data based on the first difference ratio specifically includes:
obtaining a first policy of the same contract, same risk and same reinsurance company of the month, respectively obtaining reinsurance, commission and claim sharing in the first policy, obtaining a second policy of the same contract, same risk and same reinsurance company of the same year in the same period of the last year, and respectively obtaining reinsurance, commission and claim sharing in the second policy;
calculating the repayment rate in the first policy and the repayment rate in the second policy to obtain a difference proportion of the first repayment rate, calculating the commission rate in the first policy and the commission rate in the second policy to obtain a difference proportion of the first commission rate, and calculating the claim sharing rate in the first policy and the claim sharing rate in the second policy to obtain a difference proportion of the first claim sharing rate;
if the difference proportion of the first repay is not in the preset first proportion range, or the difference proportion of the first manual repay is not in the preset first proportion range, or the difference proportion of the first claim is not in the preset first proportion range, the data of the month is abnormal data.
Preferably, the step of calculating the second difference ratio between the re-guaranteed data of the month and the re-guaranteed data of the previous month specifically includes:
obtaining a third policy of the same contract, the same risk and the same reinsurance company of the previous month, and respectively obtaining reinsurance, commission and claim sharing in the third policy;
calculating the repayment rate in the first policy and the repayment rate in the third policy to obtain a difference proportion of a second repayment rate, calculating the commission rate in the first policy and the commission rate in the third policy to obtain a difference proportion of a second commission rate, and calculating the claim sharing rate in the first policy and the claim sharing rate in the third policy to obtain a difference proportion of a second claim sharing rate;
the step of analyzing whether the reconfirm data of the month is abnormal data based on the first difference proportion and the second difference proportion specifically comprises the following steps:
if the difference ratio of the first recurring benefits is not in the preset first ratio range, or the difference ratio of the first claims is not in the preset first ratio range, or the difference ratio of the second recurring benefits is not in the preset second ratio range, or the difference ratio of the second claims is not in the preset second ratio range, the data of the second recurring benefits is abnormal data.
Preferably, the method further comprises:
for the reinsurance data of the newly added contract, acquiring the contract with the largest total reinsurance fee in other contracts as a first reference contract, and acquiring the contract with the smallest total reinsurance fee in other contracts as a second reference contract;
for the re-insurance data of the first month of the new contract in the year, analyzing whether the ratio of the re-insurance data of the month to the re-insurance data of the first reference contract in the same period is larger than or equal to a preset first threshold value or whether the ratio of the re-insurance data of the month to the re-insurance data of the second reference contract in the same period is smaller than or equal to a preset second threshold value or not so as to analyze whether the re-insurance data of the month is abnormal data or not;
for the re-insurance data of the newly added contract which is not the first month of the current year, analyzing whether the ratio of the re-insurance fee of the current month to the re-insurance fee of the current month is larger than or equal to a preset first threshold value or whether the ratio of the re-insurance fee of the current month to the re-insurance fee of the second reference contract is larger than or equal to a preset second threshold value or whether the difference value between the re-insurance fee of the current month and the re-insurance fee of the previous month is not within a preset range or not so as to analyze whether the re-insurance data of the current month is abnormal data or not.
The present invention also provides a computer readable storage medium having stored thereon a processing system which when executed by a processor performs the steps of the method of re-guaranty month check.
The beneficial effects of the invention are as follows: according to the invention, the basis is converted into the program for automatically checking the system by combing the business to check whether the month re-protection data is abnormal or not, and according to the combed basis, when the system checks that the month re-protection data is normal, the next month check is automatically continued, if the month re-protection data is checked to be abnormal, an abnormal state is displayed on a month operation page, and monitoring mails are automatically sent to operation, business and development, and the whole process is stopped.
Drawings
FIG. 1 is a schematic view of an alternative application environment according to various embodiments of the present invention;
FIG. 2 is a schematic diagram of a hardware architecture of an embodiment of the apparatus for performing the re-association check of FIG. 1;
FIG. 3 is a flowchart illustrating a method for performing a reconfirmation check according to a first embodiment of the present invention;
FIG. 4 is a flowchart of a second embodiment of a method for performing a reconfirmation check according to the present invention.
Detailed Description
The present invention will be described in further detail with reference to the drawings and examples, in order to make the objects, technical solutions and advantages of the present invention more apparent. It should be understood that the specific embodiments described herein are for purposes of illustration only and are not intended to limit the scope of the invention. All other embodiments, which can be made by those skilled in the art based on the embodiments of the invention without making any inventive effort, are intended to be within the scope of the invention.
It should be noted that the description of "first", "second", etc. in this disclosure is for descriptive purposes only and is not to be construed as indicating or implying a relative importance or implying an indication of the number of technical features being indicated. Thus, a feature defining "a first" or "a second" may explicitly or implicitly include at least one such feature. In addition, the technical solutions of the embodiments may be combined with each other, but it is necessary to base that the technical solutions can be realized by those skilled in the art, and when the technical solutions are contradictory or cannot be realized, the combination of the technical solutions should be considered to be absent and not within the scope of protection claimed in the present invention.
Referring to fig. 1, a schematic view of an application environment of a method for performing the re-lunar junction inspection according to a preferred embodiment of the invention is shown. The application environment schematic diagram comprises a device 1 for checking the reconveying month and a terminal device 2. The device 1 for protecting the moon check can perform data interaction with the terminal equipment 2 through a network, a near field communication technology and other suitable technologies, and a moon operation page is provided on the terminal equipment 2 for a user to perform the moon check operation.
The terminal device 2 includes, but is not limited to, any electronic product that can perform man-machine interaction with a user through a keyboard, a mouse, a remote controller, a touch pad, or a voice control device, for example, a personal computer, a tablet computer, a smart phone, a personal digital assistant (PersonalDigital Assistant, PDA), a game console, an interactive internet protocol television (Internet Protocol Television, IPTV), a smart wearable device, a navigation device, or a mobile device such as a digital TV, a desktop computer, a notebook, a server, or the like.
The apparatus 1 for checking the reconveying month is a device capable of automatically performing numerical calculation and/or information processing according to a preset or stored instruction. The device 1 for checking the reconveying month can be a computer, a server group consisting of a single network server and a plurality of network servers or a cloud based on cloud computing and consisting of a large number of hosts or network servers, wherein the cloud computing is one of distributed computing and is a super virtual computer consisting of a group of loosely coupled computer sets.
In this embodiment, as shown in fig. 2, the apparatus 1 for reconveying the lunar junction check may include, but is not limited to, a memory 11, a processor 12, and a network interface 13 that may be communicatively connected to each other through a system bus, where the memory 11 stores a processing system that may be executed on the processor 12. It is noted that fig. 2 only shows the device 1 with the re-warranty knot check of the components 11-13, but it is understood that not all the illustrated components are required to be implemented, and that more or fewer components may alternatively be implemented.
Wherein the storage 11 comprises a memory and at least one type of readable storage medium. The memory provides a buffer for the operation of the device 1 for the re-protection month check; the readable storage medium may be a non-volatile storage medium such as flash memory, hard disk, multimedia card, card memory (e.g., SD or DX memory, etc.), random Access Memory (RAM), static Random Access Memory (SRAM), read Only Memory (ROM), electrically Erasable Programmable Read Only Memory (EEPROM), programmable Read Only Memory (PROM), magnetic memory, magnetic disk, optical disk, etc. In some embodiments, the readable storage medium may be an internal storage unit of the apparatus 1 for re-underwriting checking, for example, a hard disk of the apparatus 1 for re-underwriting checking; in other embodiments, the nonvolatile storage medium may also be an external storage device of the apparatus 1 for re-protection checking, for example, a plug-in hard disk, a Smart Media Card (SMC), a Secure Digital (SD) Card, a Flash Card (Flash Card) or the like provided on the apparatus 1 for re-protection checking. In this embodiment, the readable storage medium of the memory 11 is generally used to store an operating system and various types of application software installed in the apparatus 1 for re-association checking, for example, to store program codes of a processing system in an embodiment of the present invention, and the like. Further, the memory 11 may be used to temporarily store various types of data that have been output or are to be output.
The processor 12 may be a central processing unit (Central Processing Unit, CPU), controller, microcontroller, microprocessor, or other data processing chip in some embodiments. The processor 12 is typically used for controlling the overall operation of the apparatus 1 for re-underwriting checking, e.g. for performing control and processing related to data interaction or communication with the terminal device 2, etc. In this embodiment, the processor 12 is configured to execute the program code or process data stored in the memory 11, for example, to execute a processing system or the like.
The network interface 13 may comprise a wireless network interface or a wired network interface, which network interface 13 is typically used for establishing a communication connection between the apparatus 1 for re-underwriting checking and other electronic devices. In this embodiment, the network interface 13 is mainly used to connect the apparatus 1 for re-protecting the checking device with one or more terminal devices 2, and establish a data transmission channel and a communication connection between the apparatus 1 for re-protecting the checking device and one or more terminal devices 2.
The processing system is stored in memory 11 and includes at least one computer readable instruction stored in memory 11 that is executable by processor 12 to implement the methods of the embodiments of the present application; and, the at least one computer readable instruction may be divided into different logic modules, depending on the functionality implemented by the parts thereof.
In one embodiment, the processing system, when executed by the processor 12, performs the following steps:
after the monthly job page receives a request for performing monthly check, the reinsurance data of the current year and the reinsurance data of the last year are downloaded from a reinsurance database for reinsurance data of contracts which are not newly added;
if the data is the reinsurance data of the first month of the year, calculating a first difference ratio of the reinsurance data of the month and the reinsurance data of the same period of the previous year, and analyzing whether the reinsurance data of the month is abnormal data or not based on the first difference ratio;
if the data is not the first month of the current year, calculating a first difference ratio of the first month of the data and the last year of the data, calculating a second difference ratio of the first month of the data and the last month of the data, and analyzing whether the first month of the data is abnormal or not based on the first difference ratio and the second difference ratio;
if the re-holding data of the month is abnormal data, displaying an abnormal state on the month operation page, and sending a monitoring mail to a preset terminal for prompting.
Further, the repay data includes repay fees, commissions and claims.
Further, the step of calculating a first difference ratio between the re-ensured data of the month and the re-ensured data of the same period of the previous year, and analyzing whether the re-ensured data of the month is abnormal data based on the first difference ratio specifically includes:
obtaining a first policy of the same contract, same risk and same reinsurance company of the month, respectively obtaining reinsurance, commission and claim sharing in the first policy, obtaining a second policy of the same contract, same risk and same reinsurance company of the same year in the same period of the last year, and respectively obtaining reinsurance, commission and claim sharing in the second policy;
calculating the repayment rate in the first policy and the repayment rate in the second policy to obtain a difference proportion of the first repayment rate, calculating the commission rate in the first policy and the commission rate in the second policy to obtain a difference proportion of the first commission rate, and calculating the claim sharing rate in the first policy and the claim sharing rate in the second policy to obtain a difference proportion of the first claim sharing rate;
if the difference proportion of the first repay is not in the preset first proportion range, or the difference proportion of the first manual repay is not in the preset first proportion range, or the difference proportion of the first claim is not in the preset first proportion range, the data of the month is abnormal data.
Further, the step of calculating the second difference ratio between the re-guaranteed data of the month and the re-guaranteed data of the previous month specifically includes:
obtaining a third policy of the same contract, the same risk and the same reinsurance company of the previous month, and respectively obtaining reinsurance, commission and claim sharing in the third policy;
calculating the repayment rate in the first policy and the repayment rate in the third policy to obtain a difference proportion of a second repayment rate, calculating the commission rate in the first policy and the commission rate in the third policy to obtain a difference proportion of a second commission rate, and calculating the claim sharing rate in the first policy and the claim sharing rate in the third policy to obtain a difference proportion of a second claim sharing rate;
the step of analyzing whether the reconfirm data of the month is abnormal data based on the first difference proportion and the second difference proportion specifically comprises the following steps:
if the difference ratio of the first recurring benefits is not in the preset first ratio range, or the difference ratio of the first claims is not in the preset first ratio range, or the difference ratio of the second recurring benefits is not in the preset second ratio range, or the difference ratio of the second claims is not in the preset second ratio range, the data of the second recurring benefits is abnormal data.
Further, when the processing system is executed by the processor, the following steps are also implemented:
for the reinsurance data of the newly added contract, acquiring the contract with the largest total reinsurance fee in other contracts as a first reference contract, and acquiring the contract with the smallest total reinsurance fee in other contracts as a second reference contract;
for the re-insurance data of the first month of the new contract in the year, if the re-insurance fee of the month is greater than the re-insurance fee of the first reference contract in the same period and the ratio is greater than or equal to a preset first threshold value, or the re-insurance fee of the month is less than the re-insurance fee of the second reference contract in the same period and the ratio is less than or equal to a preset second threshold value, the re-insurance data of the month is abnormal data;
and if the newly added contract is not the reinsurance data of the first month of the year, if the reinsurance fee of the month is larger than the reinsurance fee of the first reference contract in the same period and the proportion is larger than or equal to a preset first threshold value, or the reinsurance fee of the month is smaller than the reinsurance fee of the second reference contract in the same period and the proportion is larger than or equal to a preset second threshold value, or the difference value between the reinsurance fee of the month and the reinsurance fee of the last month is not in a preset range, the reinsurance data of the month is abnormal data.
The invention only needs to simply check the check result of the moon knot for the normal re-protection data, and prompts the abnormal re-protection data, thereby reducing the workload of manual check and improving the efficiency of the re-protection moon knot operation.
As shown in fig. 3, fig. 3 is a flow chart of an embodiment of a method for re-protecting a moon cake inspection according to the present invention, the method for re-protecting a moon cake inspection includes the following steps:
step S1, after a monthly job page receives a request for performing monthly check, the reinsurance data of the current year and the reinsurance data of the last year are downloaded from a reinsurance database for reinsurance data of contracts which are not newly added;
the business personnel can execute the subsequent automatic check operation of the re-protection moon knots only by triggering a request of the moon knot check through the moon operation page.
Step S2, if the data is the re-protection data of the first month of the year, calculating a first difference ratio of the re-protection data of the month and the re-protection data of the same period of the previous year, and analyzing whether the re-protection data of the month is abnormal data or not based on the first difference ratio;
the newly added contracts refer to newly added contracts in the year, and historical data can be referred to in no past year.
The reconfirm data are obtained from the policy, and include reconfirm fees, commission fees and reimbursement. For the data of the first month of the current year, in an embodiment, the step of calculating a first difference ratio between the data of the current month and the data of the current month in the same period, and analyzing whether the data of the current month is abnormal based on the first difference ratio specifically includes:
obtaining a first policy of the same contract, same risk and same reinsurance company of the month, respectively obtaining reinsurance, commission and claim sharing in the first policy, obtaining a second policy of the same contract, same risk and same reinsurance company of the same year in the same period of the last year, and respectively obtaining reinsurance, commission and claim sharing in the second policy; calculating the repayment rate in the first policy and the repayment rate in the second policy to obtain a difference proportion of the first repayment rate, calculating the commission rate in the first policy and the commission rate in the second policy to obtain a difference proportion of the first commission rate, and calculating the claim sharing rate in the first policy and the claim sharing rate in the second policy to obtain a difference proportion of the first claim sharing rate; if the difference proportion of the first repay is not in the preset first proportion range, or the difference proportion of the first manual repay is not in the preset first proportion range, or the difference proportion of the first claim is not in the preset first proportion range, the data of the month is abnormal data.
If the month is 1 month, the same period of the last year is 1 month of the last year. Calculating the difference ratio of the repayment in the first policy and the repayment in the second policy to obtain a first repayment ratio, wherein the first repayment ratio is as follows: the difference ratio of the first premium = (the premium in the first policy-the premium in the second policy)/the premium in the first policy, and the calculation of the other difference ratios are similar.
Wherein, the first proportion range is preferably 5% -10%, if the difference proportion of the first repay fee, the difference proportion of the first hand-held fee or the difference proportion of the first claim money is not in the first proportion range, the data of the repay of the month is considered as abnormal data; if the difference proportion of the first repayment, the difference proportion of the first manual payment and the difference proportion of the first claim are all in the first proportion range, the data of the repayment of the month is considered to be normal data, and the data of the repayment of the next month can be continuously analyzed.
Step S3, if the data is not the first month of the current year, calculating a first difference ratio of the first month of the data and the last year of the data, calculating a second difference ratio of the first month of the data and the last month of the data, and analyzing whether the first month of the data is abnormal or not based on the first difference ratio and the second difference ratio;
for the reconfirm data which is not the first month of the present year, a lateral inspection is required in addition to the longitudinal inspection. In one embodiment of the present invention, in one embodiment, the step of calculating the second difference ratio of the re-ensured data of the month and the re-ensured data of the previous month specifically comprises the following steps:
obtaining a third policy of the same contract, the same risk and the same reinsurance company of the previous month, and respectively obtaining reinsurance, commission and claim sharing in the third policy; calculating the repayment rate in the first policy and the repayment rate in the third policy to obtain a difference proportion of a second repayment rate, calculating the commission rate in the first policy and the commission rate in the third policy to obtain a difference proportion of a second commission rate, and calculating the claim sharing rate in the first policy and the claim sharing rate in the third policy to obtain a difference proportion of a second claim sharing rate;
the step of analyzing whether the reconfirm data of the month is abnormal data based on the first difference proportion and the second difference proportion specifically comprises the following steps: if the difference ratio of the first recurring benefits is not in the preset first ratio range, or the difference ratio of the first claims is not in the preset first ratio range, or the difference ratio of the second recurring benefits is not in the preset second ratio range, or the difference ratio of the second claims is not in the preset second ratio range, the data of the second recurring benefits is abnormal data.
Wherein the second proportion range is preferably 10% -12%, and if the difference proportion of the first repayment, the difference proportion of the first manual payment or the difference proportion of the first claim amounting is not in the first proportion range, or the difference proportion of the second repayment, the difference proportion of the second manual payment or the difference proportion of the second claim amounting is not in the second proportion range, the data of the second maintenance of the month is considered as abnormal data; if the difference proportion of the first repayment, the difference proportion of the first manual payment and the difference proportion of the first claim are all in the first proportion range, and the difference proportion of the second repayment, the difference proportion of the second manual payment and the difference proportion of the second claim are all in the second proportion range, the data of the repayment of the month is considered to be normal data, and the data of the repayment of the next month can be continuously analyzed.
And S4, if the reconfirm data of the month is abnormal data, displaying an abnormal state on the month operation page, and sending a monitoring mail to a preset terminal to prompt.
If the monthly reconfirm data is abnormal data, displaying an abnormal state on a monthly operation page, automatically sending monitoring mails to a predetermined terminal corresponding to operation, business and development, prompting, and stopping executing the flow. The operation needs to monitor the whole processing process, for example, if the business ignores a monitoring prompt, the operation needs to actively go to remind and track whether the monthly reconfirm data is truly abnormal, if so, the operation is a self-positioning problem or development follow-up; the business needs to judge whether the monitored monthly reinsurance data is normal or abnormal; if the difference of the service judgment is not acceptable, development of assistance operation positioning is needed to solve the problem.
Compared with the prior art, the invention checks whether the month reinsurance data is abnormal or not through the combing business, converts the basis into the program for automatically checking the system, automatically continues the next month check according to the combed basis when the system checks the month reinsurance data to be normal, displays the abnormal state on a month operation page if the month reinsurance data is checked to be abnormal, automatically sends monitoring mails to operation, business and development, and stops the whole process.
In a second embodiment, as shown in fig. 4, on the basis of the above embodiment, the method for checking a reconfirm further includes:
step S101, after the monthly job page receives a request for performing the monthly check, analyzing whether the request is a newly added contract, if so, entering step S102, and if not, entering step S1;
step S102, for the reinsurance data of the newly added contract, acquiring the contract with the largest total reinsurance in other contracts as a first reference contract, and acquiring the contract with the smallest total reinsurance in other contracts as a second reference contract;
step S103, analyzing whether the data is the re-protection data of the first month of the year, if so, entering step S104, and if not, entering step S105;
step S104, for the re-insurance data of the first month of the new contract in the current year, analyzing whether the ratio of the re-insurance fee of the current month to the re-insurance fee of the current month is greater than or equal to a preset first threshold value or whether the ratio of the re-insurance fee of the current month to the re-insurance fee of the current month is less than or equal to a preset second threshold value or not so as to analyze whether the re-insurance data of the current month is abnormal data or not;
step S105, for the re-insurance data of the newly added contract which is not the first month of the current year, analyzing whether the ratio of the re-insurance fee of the current month to the re-insurance fee of the same period of the first reference contract is larger than or equal to a preset first threshold value, or whether the ratio of the re-insurance fee of the current month to the re-insurance fee of the same period of the second reference contract is larger than or equal to a preset second threshold value, or whether the difference value between the re-insurance fee of the current month and the re-insurance fee of the previous month is not within a preset range, so as to analyze whether the re-insurance data of the current month is abnormal data.
And for the re-insurance data of the first month of the new contract, the re-insurance data of the month is abnormal data when the re-insurance rate of the month is more than or equal to 20% of the re-insurance rate of the first reference contract in the same period, or the re-insurance data of the month is abnormal data when the re-insurance rate of the month is less than or equal to-20% of the re-insurance rate of the second reference contract in the same period.
In addition to the above-mentioned longitudinal inspection, the newly added contract is not the reinsurance data of the first month of the present year, and a transverse inspection is also required, that is, the reinsurance fee of the present month is compared with the reinsurance fee of the previous month, and if the difference value of the two is not within the predetermined range, the reinsurance data of the present month is also abnormal data.
The embodiment of the invention further provides a basis for checking whether the monthly reinsurance data is abnormal by the carding service, so that the reinsurance can be comprehensively checked, and the efficiency of the reinsurance operation is further improved.
The present invention also provides a computer readable storage medium having stored thereon a processing system which when executed by a processor performs the steps of the method of re-guaranty month check.
The foregoing embodiment numbers of the present invention are merely for the purpose of description, and do not represent the advantages or disadvantages of the embodiments.
From the above description of the embodiments, it will be clear to those skilled in the art that the above-described embodiment method may be implemented by means of software plus a necessary general hardware platform, but of course may also be implemented by means of hardware, but in many cases the former is a preferred embodiment. Based on such understanding, the technical solution of the present invention may be embodied essentially or in a part contributing to the prior art in the form of a software product stored in a storage medium (e.g. ROM/RAM, magnetic disk, optical disk) comprising instructions for causing a terminal device (which may be a mobile phone, a computer, a server, an air conditioner, or a network device, etc.) to perform the method according to the embodiments of the present invention.
The foregoing description is only of the preferred embodiments of the present invention, and is not intended to limit the scope of the invention, but rather is intended to cover any equivalents of the structures or equivalent processes disclosed herein or in the alternative, which may be employed directly or indirectly in other related arts.
Claims (6)
1. A device for re-protecting a lunar junction examination, the device for re-protecting a lunar junction examination comprising a memory and a processor connected to the memory, wherein a processing system capable of running on the processor is stored in the memory, and the processing system realizes the following steps when being executed by the processor:
after the monthly job page receives a request for performing monthly check, the reinsurance data of the current year and the reinsurance data of the last year are downloaded from a reinsurance database for reinsurance data of contracts which are not newly added;
if the data is the reinsurance data of the first month of the year, calculating a first difference ratio of the reinsurance data of the month and the reinsurance data of the same period of the previous year, and analyzing whether the reinsurance data of the month is abnormal data or not based on the first difference ratio;
if the data is not the first month of the current year, calculating a first difference ratio of the first month of the data and the last year of the data, calculating a second difference ratio of the first month of the data and the last month of the data, and analyzing whether the first month of the data is abnormal or not based on the first difference ratio and the second difference ratio;
if the re-maintenance data of the month is abnormal data, displaying an abnormal state on the operation page of the month, and sending a monitoring mail to a preset terminal for prompting;
the step of calculating a first difference ratio of the re-insurance data of the month and the re-insurance data of the same period of the previous year, and analyzing whether the re-insurance data of the month is abnormal data or not based on the first difference ratio, specifically includes the steps of:
obtaining a first policy of the same contract, same risk and same reinsurance company, respectively obtaining reinsurance, commission and claim amortization in the first policy, obtaining a second policy of the same contract, same risk and same reinsurance company in the same period of the last year, and respectively obtaining reinsurance, commission and claim amortization in the second policy;
calculating the repayment rate in the first policy and the repayment rate in the second policy to obtain a difference proportion of the first repayment rate, calculating the commission rate in the first policy and the commission rate in the second policy to obtain a difference proportion of the first commission rate, and calculating the claim sharing rate in the first policy and the claim sharing rate in the second policy to obtain a difference proportion of the first claim sharing rate;
if the difference proportion of the first repay is not in the preset first proportion range, or the difference proportion of the first manual repay is not in the preset first proportion range, or the difference proportion of the first claim is not in the preset first proportion range, the data of the month is abnormal data.
2. The apparatus for reconfirm check according to claim 1, wherein the step of calculating a second difference ratio of the reconfirm data of the present month and the reconfirm data of the previous month specifically includes:
obtaining a third policy of the same contract, the same risk and the same reinsurance company of the previous month, and respectively obtaining reinsurance, commission and claim sharing in the third policy;
calculating the repayment rate in the first policy and the repayment rate in the third policy to obtain a difference proportion of a second repayment rate, calculating the commission rate in the first policy and the commission rate in the third policy to obtain a difference proportion of a second commission rate, and calculating the claim sharing rate in the first policy and the claim sharing rate in the third policy to obtain a difference proportion of a second claim sharing rate;
the step of analyzing whether the reconfirm data of the month is abnormal data based on the first difference proportion and the second difference proportion specifically comprises the following steps:
if the difference ratio of the first recurring benefits is not in the preset first ratio range, or the difference ratio of the first claims is not in the preset first ratio range, or the difference ratio of the second recurring benefits is not in the preset second ratio range, or the difference ratio of the second claims is not in the preset second ratio range, the data of the second recurring benefits is abnormal data.
3. A method of reinsurance checking, the method comprising:
s1, after a monthly job page receives a request for performing monthly check, the reinsurance data of the year and the reinsurance data of the last year are downloaded from a reinsurance database for reinsurance data of contracts which are not newly added;
s2, if the data is the re-protection data of the first month of the year, calculating a first difference ratio of the re-protection data of the month and the re-protection data of the same period of the previous year, and analyzing whether the re-protection data of the month is abnormal data or not based on the first difference ratio;
s3, if the data is not the first month of the current year, calculating a first difference ratio of the first month of the data and the last year of the data, calculating a second difference ratio of the first month of the data and the last month of the data, and analyzing whether the first month of the data is abnormal or not based on the first difference ratio and the second difference ratio;
s4, if the re-maintenance data of the month is abnormal data, displaying an abnormal state on the month operation page, and sending a monitoring mail to a preset terminal for prompting;
the step of calculating a first difference ratio of the re-insurance data of the month and the re-insurance data of the same period of the previous year, and analyzing whether the re-insurance data of the month is abnormal data or not based on the first difference ratio, specifically includes the steps of:
obtaining a first policy of the same contract, same risk and same reinsurance company, respectively obtaining reinsurance, commission and claim amortization in the first policy, obtaining a second policy of the same contract, same risk and same reinsurance company in the same period of the last year, and respectively obtaining reinsurance, commission and claim amortization in the second policy;
calculating the repayment rate in the first policy and the repayment rate in the second policy to obtain a difference proportion of the first repayment rate, calculating the commission rate in the first policy and the commission rate in the second policy to obtain a difference proportion of the first commission rate, and calculating the claim sharing rate in the first policy and the claim sharing rate in the second policy to obtain a difference proportion of the first claim sharing rate;
if the difference proportion of the first repay is not in the preset first proportion range, or the difference proportion of the first manual repay is not in the preset first proportion range, or the difference proportion of the first claim is not in the preset first proportion range, the data of the month is abnormal data.
4. The method of claim 3, wherein the step of calculating a second difference ratio between the re-guaranteed data of the month and the re-guaranteed data of the previous month comprises:
obtaining a third policy of the same contract, the same risk and the same reinsurance company of the previous month, and respectively obtaining reinsurance, commission and claim sharing in the third policy;
calculating the repayment rate in the first policy and the repayment rate in the third policy to obtain a difference proportion of a second repayment rate, calculating the commission rate in the first policy and the commission rate in the third policy to obtain a difference proportion of a second commission rate, and calculating the claim sharing rate in the first policy and the claim sharing rate in the third policy to obtain a difference proportion of a second claim sharing rate;
the step of analyzing whether the reconfirm data of the month is abnormal data based on the first difference proportion and the second difference proportion specifically comprises the following steps:
if the difference ratio of the first recurring benefits is not in the preset first ratio range, or the difference ratio of the first claims is not in the preset first ratio range, or the difference ratio of the second recurring benefits is not in the preset second ratio range, or the difference ratio of the second claims is not in the preset second ratio range, the data of the second recurring benefits is abnormal data.
5. The method of reconfirm checking according to any one of claims 3 to 4, further comprising:
for the reinsurance data of the newly added contract, acquiring the contract with the largest total reinsurance fee in other contracts as a first reference contract, and acquiring the contract with the smallest total reinsurance fee in other contracts as a second reference contract;
for the re-insurance data of the first month of the new contract in the year, analyzing whether the ratio of the re-insurance data of the month to the re-insurance data of the first reference contract in the same period is larger than or equal to a preset first threshold value or whether the ratio of the re-insurance data of the month to the re-insurance data of the second reference contract in the same period is smaller than or equal to a preset second threshold value or not so as to analyze whether the re-insurance data of the month is abnormal data or not;
for the re-insurance data of the newly added contract which is not the first month of the current year, analyzing whether the ratio of the re-insurance fee of the current month to the re-insurance fee of the current month is larger than or equal to a preset first threshold value or whether the ratio of the re-insurance fee of the current month to the re-insurance fee of the second reference contract is larger than or equal to a preset second threshold value or whether the difference value between the re-insurance fee of the current month and the re-insurance fee of the previous month is not within a preset range or not so as to analyze whether the re-insurance data of the current month is abnormal data or not.
6. A computer readable storage medium having stored thereon a processing system, which when executed by a processor, performs the steps of the method of reconfirm checking as claimed in any of claims 3 to 5.
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