CN110060020B

CN110060020B - Project cost prediction method and device

Info

Publication number: CN110060020B
Application number: CN201910142978.4A
Authority: CN
Inventors: 连琨; 高寒雨
Original assignee: Advanced New Technologies Co Ltd
Current assignee: Advanced New Technologies Co Ltd; Advantageous New Technologies Co Ltd
Priority date: 2019-02-26
Filing date: 2019-02-26
Publication date: 2023-04-18
Anticipated expiration: 2039-02-26
Also published as: CN110060020A

Abstract

The application provides a project cost prediction method and a device, wherein the project cost prediction method comprises the following steps: acquiring project details of project member participation projects; determining an expected item membership number expected to participate in the item according to historical data of the item members contained in the item details; determining an expected total expense generated by case application in the project participation process according to the historical case number applied in the project participation process and the case amount contained in the project details; predicting an expected cost of project members expected to participate in the project based on the expected number of project members and the expected total cost. The project cost prediction method provided by the application predicts the expected cost of participating in the project for project members, so that the transparency of project participation is higher, and the enthusiasm of users for participating in the project is improved.

Description

Project cost prediction method and device

Technical Field

The application relates to the technical field of data processing, in particular to a project cost prediction method. The application also relates to a project expense prediction device, a computing device and a computer readable storage medium.

Background

With the rapid development of the internet technology, the conventional services such as insurance sales, after-sale, claim settlement and the like can be conveniently operated on line, meanwhile, with the higher attention degree of the user on the self health, the more serious health risks such as diseases and lives are favored by the user, and with the higher diversified requirements of the user on the insurance, the adoption of the mutual-aid insurance is in line with the development.

The core of the mutual-aid insurance lies in that a group of insurance applicants with the same insurance requirements are gathered, the insurance applicants mutually assist in an insurance participation mode, and particularly, when any insurance applicants participating in the mutual-aid insurance suffer from unexpected insurance, other insurance applicants participating in the mutual-aid insurance mutually assist the insurance applicants who have performed insurance by paying a certain amount of money.

However, the existing mutual insurance can only calculate the mutual insurance amount needed by other insurance applicants when the insurance applicants participating in the mutual insurance are in danger, and for the insurance applicants participating in the mutual insurance, the insurance cost of each period or each year can not be known when applying for the insurance participation, thereby reducing the enthusiasm of users participating in the mutual insurance.

Disclosure of Invention

In view of the above, the present application provides a project cost prediction method to solve the technical defects in the prior art. The application also provides a project expense prediction device, a computing device and a computer readable storage medium.

The application provides a project cost prediction method, which comprises the following steps:

acquiring project details of project member participation projects;

determining an expected item membership number expected to participate in the item according to historical data of the item members contained in the item details;

determining an expected total expense generated by case application in the project participation process according to the historical case number applied in the project participation process and the case amount contained in the project details;

predicting an expected cost of project members expected to participate in the project based on the expected number of project members and the expected total cost.

Optionally, the determining the number of expected item members expected to participate in the item according to the historical data of the item members contained in the item details includes:

calculating the item member growth rate of the item according to the item member number of the item participating in the item in at least two continuous item periods contained in the historical data;

determining the prospective project member count prospective to participate in the project according to the project member count and the project member growth rate.

Optionally, the determining an expected total expense generated by case application in anticipation of the project participation process according to the historical case number applied in the project participation process and the case amount included in the project details comprises:

calculating the case application proportion in the project period according to the number of the historical cases applied in the project period and the number of the project members participating in the project period;

predicting the number of the expected cases of case application in an expected project period according to the number of the expected project members and the case application proportion;

and determining the expected total expense generated by the case application in the expected project period according to the expected number of cases and the case sum.

Optionally, the determining an expected total fee expected to be generated by case application in the project participation process according to the number of history cases applied in the project participation process and the case amount included in the project details includes:

calculating the case application proportion of each case level in the project period according to the historical case number applied by each case level in the project period and the project member number participating in the project period;

predicting the expected number of cases of case level case applications in an expected project period according to the expected project member number and the case application proportion;

calculating the expense generated by the case application of each case level according to the expected number of cases of each case level and the case amount of each case level in the case amount;

and summing the expenses generated by the case application of each case level to obtain the expected total expense.

and determining the expected total cost according to the sum of the costs generated by the case level case application, the historical balance cost contained in the project details and the project management cost.

Optionally, the project management cost is determined according to a ratio of a sum of costs generated by the case application at each case level to the project management cost generated by participating in the project management.

Optionally, the expected cost of the project members participating in the project in the expected project period is determined according to a ratio of the expected total cost to the expected number of project members.

Optionally, the items include: a mutual aid and coordination project;

the item members include: a mutual aid member participating in the mutual aid program;

the case amount includes: the mutual aid members participate in the application amount of the application for claiming mutual aid money in the mutual aid project process;

the expected total cost includes: a total sum of a mutual aid fund for the mutual aid interactive program and a program management fee for participating in the mutual aid interactive program;

the expected costs include: the collaborative fraffic members expect an expected contribution to participate in the collaborative fraffic program.

Optionally, the member of a mutual aid that is expected to participate in the mutual aid program, comprising:

historical mutual aid members already participating in the mutual aid program, new mutual aid members newly participating in the mutual aid program.

Optionally, the predicting the expected cost of project members expected to participate in the project according to the expected number of project members and the expected total cost includes:

predicting the expected apportioned cost of the historical mutual aid members participating in the mutual aid project in the next project period according to the expected project member number and the expected total cost of the mutual aid project in the next project period;

the expected item member number of the mutual aid help item in the next item period is obtained by calculation according to the item member number and the item member growth rate of the mutual aid help item in the item period which is contained in the historical data and is nearest to the next item period;

and calculating the expected total cost of the mutual aid coordination project in the next project cycle according to the sum of the product of the number of the cases at the first case level and the case amount and the product of the number of the cases at the second case level and the case amount in the next project cycle, the project management cost in the next project cycle and the balance cost in the latest project cycle.

Optionally, the project cost prediction method includes:

determining the total expected apportionment cost of the new mutual-aid member participating in the multiple continuous project periods of the mutual-aid project according to the expected apportionment cost of the new mutual-aid member participating in the multiple continuous project periods of the mutual-aid project;

wherein an expected apportionment cost for each project cycle for which said new mutual aid member participates in said mutual aid project is determined by executing said project cost prediction method.

Optionally, in the execution process of the step of determining the expected total cost generated by case application in the project participation process according to the number of history cases applied in the project participation process and the case amount included in the project details, the following constraint conditions are satisfied:

the case allocation amount generated by the mutual-help coordination member in the process of participating in the mutual-help coordination aiming at the application amount of the claim mutual-help fund is not larger than a preset allocation amount threshold value;

and if the case allocation amount generated aiming at the application amount of the claim mutual-aid fund is larger than the preset allocation amount threshold value in the process that the mutual-aid member participates in the mutual-aid project, determining the expected total cost by taking the preset allocation amount threshold value as the case allocation amount.

The present application also provides a project cost prediction apparatus, including:

the project detail acquiring unit is configured to acquire project details of project member participation projects;

an item membership determination unit configured to determine an expected item membership expected to participate in the item based on historical data of the item members contained in the item details;

an expected total fee determining unit, configured to determine an expected total fee generated by case application in the project participation process according to the historical case number applied in the project participation process and the case amount contained in the project details;

an expected cost prediction unit configured to predict an expected cost of project members expected to participate in the project based on the expected number of project members and the expected total cost.

The present application further provides a computing device comprising:

a memory and a processor;

the memory is to store computer-executable instructions, and the processor is to execute the computer-executable instructions to:

acquiring project details of project member participation projects;

determining a number of prospective item members prospective to participate in the item based on historical data of the item members contained in the item details;

The present application also provides a computer readable storage medium having stored thereon computer instructions which, when executed by a processor, perform the steps of the project cost prediction method.

Compared with the prior art, the method has the following advantages:

the application provides a project cost prediction method, which comprises the following steps: acquiring project details of project member participation projects; determining an expected item membership number expected to participate in the item according to historical data of the item members contained in the item details; determining an expected total expense generated by case application in the project participation process according to the historical case number applied in the project participation process and the case amount contained in the project details; predicting an expected cost of project members expected to participate in the project based on the expected number of project members and the expected total cost.

According to the project cost prediction method provided by the application, from the project details of project participation of project members, the expected project member number of expected participation projects is determined on the basis of the project details, the expected total cost generated by case application in the process of expected project participation is determined on the basis of the project details, and finally the expected cost of the project members is predicted according to the expected project member number and the expected total cost, so that the expected cost of the participation projects is predicted for the project members, the project participation transparency is higher, and the activity of users for participating in the projects is improved.

Drawings

FIG. 1 is a process flow diagram of a project cost prediction method provided by an embodiment of the present application;

FIG. 2 is a flowchart of a project cost prediction method applied to a mutual aid project according to an embodiment of the present application;

FIG. 3 is a schematic diagram of a project cost prediction apparatus provided in an embodiment of the present application;

fig. 4 is a block diagram of a computing device according to an embodiment of the present disclosure.

Detailed Description

In the following description, numerous specific details are set forth in order to provide a thorough understanding of the present application. This application is capable of implementation in many different ways than those herein set forth and of similar import by those skilled in the art without departing from the spirit of this application and is therefore not limited to the specific implementations disclosed below.

The terminology used in the description of the one or more embodiments is for the purpose of describing the particular embodiments only and is not intended to be limiting of the description of the one or more embodiments. As used in one or more embodiments of the present specification and the appended claims, the singular forms "a," "an," and "the" are intended to include the plural forms as well, unless the context clearly indicates otherwise. It should also be understood that the term "and/or" as used in one or more embodiments of the present specification refers to and encompasses any and all possible combinations of one or more of the associated listed items.

It will be understood that, although the terms first, second, etc. may be used herein in one or more embodiments to describe various information, these information should not be limited by these terms. These terms are only used to distinguish one type of information from another. For example, a first can be termed a second and, similarly, a second can be termed a first without departing from the scope of one or more embodiments of the present description. The word "if," as used herein, may be interpreted as "at … …" or "at … …" or "in response to a determination," depending on the context.

The application provides a project cost prediction method, a project cost prediction device, a computing device and a computer readable storage medium. The following is a detailed description of the embodiments provided in this application, and the steps of the method are described in detail below.

The embodiment of the project cost prediction method provided by the application is as follows:

referring to fig. 1, a flow chart of a project cost prediction method provided by the embodiment of the present invention is shown, and referring to fig. 2, a flow chart of a project cost prediction method applied to a mutual aid project provided by the embodiment of the present invention is shown.

And step S102, acquiring project details of project member participation projects.

The project members in the embodiment of the present application refer to insurance applicants participating in an insurance project promoted by an insurance company, for example, the insurance applicants participating in a mutual aid type economic insurance project, where the mutual aid type economic insurance project refers to a group of project members having the same insurance requirements, and the group of project members perform mutual aid and mutual aid in a manner of participating in the insurance project, that is, participate in the mutual aid type economic insurance project at the same time, and when any project member participating in the mutual aid type economic insurance project is subjected to unexpected insurance, other project members participating in the mutual aid type economic insurance project perform mutual aid and mutual aid for the project members who have already paid a certain amount of money;

the participation item refers to an insurance item which the applicant has participated in, such as a mutual aid and help type insurance item which the applicant participates in; the item details refer to the insurance policy details of the insurance item in which the applicant has participated, the applicant can generate a corresponding insurance policy after participating in the insurance item, and the insurance policy records information related to the applicant and details of the insurance item in which the applicant currently participates, for example, the insurance policy details of the mutual aid type insurance item in which the applicant participates.

The project details of the participating project specifically include historical data of the project members, the number of historical cases applied in the project participating process, the case amount, the project management fee proportion and the historical balance fee in the project participating process.

And step S104, determining the number of expected item members expected to participate in the item according to the historical data of the item members contained in the item details.

In a preferred implementation manner provided by the embodiment of the present application, an expected item member number expected to participate in the item is determined according to historical data of the item members included in the item details, and first, an item member growth rate of the item is calculated according to item member numbers participating in the item in at least two consecutive item periods included in the historical data; the number of prospective project members prospective to participate in the project is then determined based on the number of project members and the rate of growth of the project members.

For example, the policy details of the mutual aid insurance project are recorded with the number of project members participating in each period in the past, and the project member growth rate of the number of project members participating in the first period compared with the number of project members participating in the second period before is calculated according to the number of project members in the last two periods: item membership growth rate = (number of items members participated in last period-number of items members participated in second period before)/number of items members participated in second period before;

then, predicting the expected item member number of the next participation stage on the basis of the item member number of the previous participation stage and the item member growth rate: the expected number of project members participating in the next stage of the mutual aid insurance program = the number of project members participating in the previous stage of the mutual aid insurance program × (1 + project member growth rate of the mutual aid insurance program).

And step S106, determining the expected total expense generated by case application in the project participation process according to the historical number of cases applied in the project participation process and the case amount contained in the project details.

On the basis of the above preferred implementation mode for determining the number of expected project members, in a preferred implementation mode provided in the embodiment of the present application, the expected total fee generated by the case application in the process of expecting the project participation is determined according to the number of historical cases applied in the process of project participation and the case amount included in the project details, and the implementation is specifically as follows:

1) And calculating the case application proportion of each case level in the project period according to the historical number of cases applied by each case level in the project period and the number of project members participating in the project period.

For example, in a mutual aid and help insurance project, cases include a case participating in claim 10 ten thousand yuan and a case participating in claim 30 ten thousand yuan, and accordingly, the case level includes: the level of participation in applying for 10 ten thousand claims and the level of participation in applying for 30 ten thousand claims.

Calculating the proportion of case application in the level of 10 ten thousand yuan of claims according to the number of historical cases in the level of 10 ten thousand yuan of claims of the last stage of participation application and the number of project members in the last stage: case application proportion at the level of 10 ten thousand meta claims participated in application = historical case number of 10 ten meta claims participated in application at the last stage/project member number at the last stage;

similarly, the proportion of case applications at the level of 30 ten thousand meta claims is calculated according to the number of historical cases at the level of 30 ten thousand meta claims applied in the previous period and the number of project members at the previous period: case application proportion at the level of 30 ten thousand yuan claims participated in application = number of historical cases/number of project members at the previous stage of 30 ten thousand yuan claims participated in application.

2) And predicting the expected number of cases applied by each case level in an expected project period according to the expected project member number and the case application proportion.

For example, the expected number of cases applying for the case at the level of applying for 10 ten thousand dollars is calculated according to the expected number of the case members participating in the next stage of the mutual aid insurance project and the proportion of the case applying for the case at the level of applying for 10 ten thousand dollars: the number of cases expected to participate in the application for 10 ten thousand yuan of claim = the number of the members of the items expected to participate in the next mutual aid insurance project x the proportion of the cases applied for the application for 10 ten thousand yuan of claim;

similarly, based on the expected number of members participating in the next-stage mutual aid insurance project and the proportion of case applications participating in the 30 ten thousand yuan claim level obtained above, the expected number of case applications participating in the 30 ten thousand yuan claim level is calculated: the number of cases expected to participate in the 30 ten thousand dollar claim level = the number of members of the item expected to participate in the next stage of the mutual aid insurance program x the proportion of cases that participate in the 30 ten thousand dollar claim level.

3) And calculating the expense generated by the case application of each case level according to the expected number of cases of each case level and the case amount of each case level in the case amount.

For example, based on the expected number of cases participating in the case application at the level of applying 10 ten thousand dollars for claim, and the amount of cases at this level (i.e., 10 ten thousand dollars), the fees generated by the case application at this level are calculated: the cost generated by participating in the application for 10 ten thousand claims of this level of case application = the number of cases expected for this level of case application x 10 ten thousand yuan;

similarly, the fees incurred by case applications at this level are calculated based on the expected number of cases that participated in the application for 30 ten thousand claims at this level, and the amount of cases at this level (i.e., 30 ten thousand dollars): the cost generated by the case application of the participation application of 30 ten thousand yuan at this level = the number of cases expected for the case application at this level x 30 ten thousand yuan.

4) And determining the expected total cost according to the sum of the costs generated by the case level case application, the historical balance cost contained in the project details and the project management cost.

Preferably, the project management fee is determined according to a ratio of a sum of fees generated by the case application at each case level to project management fees generated by participating in the project management.

For example, total expected cost = sum of costs generated by participating in the two level case applications 10 and 30 ten thousand dollar claims + project management cost-historical balance cost for the last period of the mutual aid insurance project;

the sum of the fees generated by the two level case applications participating in the application of 10 and 30 ten thousand yuan claim claims is as follows: the number of expected cases participating in the case application of the level of 10 ten thousand yuan of claims is multiplied by 10 ten thousand yuan + the number of expected cases participating in the case application of the level of 30 ten thousand yuan of claims is multiplied by 30 ten thousand yuan;

the project management fee is as follows: (the number of expected cases participating in the case application at the level of 10 ten thousand yuan application x 10 ten thousand yuan + the number of expected cases participating in the case application at the level of 30 ten thousand yuan application x 30 ten thousand yuan). Times.the ratio of project management fees.

In addition to the preferred embodiments provided above, the expected total cost generated by the case application in the course of project participation can also be implemented in other ways, and two implementations for determining the expected total cost are provided below:

the preferred implementation of determining the expected total cost is one:

1) Calculating case application proportion in the project period according to the number of the historical cases applied in the project period and the number of project members participating in the project period;

2) Predicting the number of the expected cases of case application in an expected project period according to the number of the expected project members and the case application proportion;

3) And determining the expected total expense generated by the case application in the expected project period according to the expected number of cases and the case amount.

The second preferred implementation of determining the expected total cost is:

1) Calculating the case application proportion of each case level in the project period according to the historical case number applied by each case level in the project period and the project member number participating in the project period;

2) Predicting the expected number of cases of case level case applications in an expected project period according to the expected project member number and the case application proportion;

3) Calculating the expense generated by the case application of each case level according to the case application proportion of each case level and the case amount of each case level in the case amount;

4) And summing the expenses generated by the case application of each case level to obtain the expected total expense.

And step S108, predicting the expected cost of the project members expected to participate in the project according to the expected project member number and the expected total cost.

In an embodiment of the present application, the expected cost of project members participating in the project during an expected project period is preferably determined according to a ratio of the expected total cost to the expected number of project members.

For example, the expected cost of the next stage of participation in the mutual aid insurance program = expected total cost for the next stage/expected number of items members for the next stage.

The project cost prediction method provided by the application is further explained by taking the application of the project cost prediction method in a mutual aid and help project as an example:

in a collaborative coordination program, the program member refers to a collaborative coordination member participating in the collaborative coordination program; the case amount refers to the application amount of the case that the mutual aid members apply for mutual aid money in the process of participating in the mutual aid project; the expected total cost is the total sum of the mutual aid money of the mutual aid project and the project management cost generated by participating in the mutual aid project; the expected cost refers to an expected apportionment cost of the mutual aid members expected to participate in the mutual aid project, and specifically refers to an expected apportionment cost of the expected total cost apportioned by all the mutual aid members participating in the mutual aid project.

In addition, in the mutual aid project, since the number of the mutual aid members participating in the mutual aid project per period is changed, in the process of the increase of the number of the mutual aid members participating in the mutual aid project in the initial period, the number of the mutual aid members participating in the mutual aid project in the previous period is larger than that of the mutual aid members participating in the mutual aid project in the next period, and therefore, the mutual aid members participating in the mutual aid project in the next period include not only the historical mutual aid members already participating in the mutual aid project in the previous period but also the new mutual aid members newly participating in the mutual aid project.

For the historical mutual aid members, in the process of predicting the expected cost of the mutual aid members expected to participate in the mutual aid project according to the expected project member number and the expected total cost, preferably predicting the expected apportioned cost of the historical mutual aid members participating in the mutual aid project in the next project period according to the expected project member number and the expected total cost of the mutual aid project in the next project period; the expected item member number of the mutual aid item in the next item period is obtained by calculation according to the item member number and the item member growth rate of the mutual aid item in the item period which is contained in the historical data and is nearest to the next item period; and calculating the expected total cost of the mutual aid coordination project in the next project cycle according to the sum of the product of the number of the cases at the first case level and the case amount and the product of the number of the cases at the second case level and the case amount in the next project cycle, the project management cost in the next project cycle and the balance cost in the latest project cycle.

For the new mutual aid members, preferably according to the expected apportionment cost of the new mutual aid members participating in the multiple continuous project periods of the mutual aid project, determining the total expected apportionment cost of the new mutual aid members participating in the multiple continuous project periods of the mutual aid project; and the project cost prediction method is executed once respectively to determine the expected apportionment cost in the project period.

In the following process of determining the expected total cost, the following constraints are preferably satisfied: the case allocation amount generated by the mutual aid members aiming at the application amount of the claim mutual aid fund in the process of participating in the project is not larger than a preset allocation amount threshold value; and if the case apportionment amount generated by the mutual aid members in the process of participating in the project aiming at the application amount of the claim mutual aid fund is larger than the preset apportionment amount threshold value, determining the expected total cost by taking the preset apportionment amount threshold value as the case apportionment amount.

Referring to fig. 2, the project cost prediction method applied in the mutual aid project includes steps S202 to 210:

step S202, acquiring the project details of the mutual aid and coordination member participating in the mutual aid and coordination project.

The item details specifically include: the number of the mutual-aid members participating in the mutual-aid project in the previous period and the number of the mutual-aid members participating in the mutual-aid project in the second period before are calculated according to the number of the historical projects of the two levels of 10 ten thousand yuan and 30 ten thousand yuan of the previous period participation application, the historical balance cost of the previous period of the mutual-aid insurance project and the proportion of the project management cost.

Step S204, calculating the growth rate of the mutual aid members according to the number of the mutual aid members participating in the mutual aid project in the previous first period and the number of the mutual aid members participating in the mutual aid project in the previous second period; the expected number of co-helping members participating in the next stage of the co-helping program is then predicted in combination with the growth rate of the co-helping members and the number of co-helping members participating in the previous stage.

Specifically, the expected number of co-economic members = the number of co-economic members participating in the co-economic program in the previous stage × (1 + growth rate of co-economic members);

wherein, the growth rate of the mutual aid members = (number of the mutual aid members participating in the mutual aid project in the last period-number of the mutual aid members participating in the second period before)/number of the mutual aid members participating in the second period before.

Step S206, firstly, calculating the case application proportion of the two levels of 10 ten thousand yuan and 30 ten thousand yuan for the first-stage participation application according to the number of the history cases of the two levels of 10 ten thousand yuan and 30 ten thousand yuan for the participation application in the process of the last-stage mutual-help coordination project (the case level in the mutual-help coordination project comprises two levels, namely the level of 10 ten thousand yuan for the participation application and the level of 30 ten thousand yuan for the participation application) and the number of the mutual-help coordination members of the last-stage mutual-help coordination project;

secondly, predicting the number of the expected cases of the two levels of 10 ten thousand yuan and 30 ten thousand yuan for the next stage of participation application according to the number of expected mutual assistance members participating in the mutual assistance project of the next stage and the case application ratio of the two levels of 10 ten thousand yuan and 30 ten thousand yuan for the participation application;

then, calculating the expenses generated by the case application of the two levels of 10 ten thousand yuan and 30 ten thousand yuan according to the expected number of the cases of the two levels of 10 ten thousand yuan and 30 ten thousand yuan and the sum of the cases of the two levels of 10 ten thousand yuan and 30 ten thousand yuan;

and finally, calculating the expected total cost to be shared by all the mutual-aid co-helping members in the next period according to the sum of the cost generated by the two level case applications of 10 ten thousand yuan and 30 ten thousand yuan participating in the application, the historical balance cost of the previous period and the project management cost.

Wherein, the case application ratio at the level of 10 ten thousand yuan for participating in the application = the number of the historical cases at the level of 10 ten thousand yuan for participating in the application at the previous stage/the number of the members participating in mutual assistance at the previous stage, and similarly, the case application ratio at the level of 30 ten thousand yuan for participating in the application = the number of the historical cases at the level of 30 ten thousand yuan for participating in the application at the previous stage/the number of the members participating in mutual assistance at the previous stage;

the expected number of cases participating in the 10 ten thousand yuan level = the number of mutually-aided co-economical members participating in the next period × the case application ratio of the 10 ten thousand yuan level of participating in the application, and similarly, the expected number of cases participating in the 30 ten thousand yuan level = the number of mutually-aided co-economical members participating in the next period × the case application ratio of the 30 ten thousand yuan level of participating in the application;

project management fee = (number of expected cases participating in the level of 10 ten thousand yuan application × 10 ten thousand yuan + number of expected cases participating in the level of 30 ten thousand yuan application × 30 ten thousand yuan) × proportion of project management fee;

total expected cost = (number of expected cases participating in the 10 ten thousand dollars application level × 10 ten thousand dollars + number of expected cases participating in the 30 ten thousand dollars application level × 30 ten thousand dollars) + project management fee-historical balance fee for the past term for the mutual aid insurance project.

And step S208, predicting the expected distribution cost of the historical mutual aid members participating in the mutual aid project in the next period according to the expected project member number and the expected total cost of the mutual aid project in the next period.

Step S210, for the new mutual aid cooperation member, the total expected apportionment cost of the new mutual aid cooperation member participating in the mutual aid cooperation project in the next 1 year needs to be predicted, if the new mutual aid cooperation project is in the period of 2 months per month, the total expected apportionment cost in the next 1 year needs to be predicted, the calculation process of the expected apportionment cost needs to be repeatedly executed for 24 times, and the 24 execution results are summed up to obtain the total expected apportionment cost of the new mutual aid cooperation member in the next 1 year.

It should be noted that, in the above process, it is specified that the case allocation cost allocated to each mutual aid member by all cases in each period is not greater than the preset allocation amount threshold, and if the case allocation cost allocated to each mutual aid member by a case is greater than the allocation amount threshold, the allocation amount threshold is used as the case allocation cost allocated to each mutual aid member, so that the cost allocated to the mutual aid member by the case is reduced, and more users are attracted to participate in the mutual aid project.

In summary, the project cost prediction method provided by the application starts from the project details of project participation of project members, determines the expected project membership number of the expected participation project on the basis of the project details, determines the expected total cost generated by the case application in the process of the expected project participation on the basis of the project details, and predicts the expected cost of the project members according to the expected project membership number and the expected total cost, so that the expected cost of the participation project is predicted for the project members, the transparency of the project participation is higher, and the enthusiasm of users for participating in the project is improved.

The embodiment of the project expense prediction device provided by the application is as follows:

in the above embodiments, a project cost prediction method is provided, and correspondingly, a project cost prediction apparatus is also provided in the present application, which is described below with reference to the accompanying drawings.

Referring to fig. 3, a schematic diagram of an embodiment of a project expense prediction apparatus provided by the present application is shown.

Since the apparatus embodiments are substantially similar to the method embodiments, they are described in a relatively simple manner, and reference may be made to the corresponding description of the method embodiments provided above for relevant portions. The device embodiments described below are merely illustrative.

The application provides a project expense prediction device, comprising:

an item detail acquiring unit 302 configured to acquire item details of the item member participating in the item;

an item membership determination unit 304 configured to determine an expected item membership expected to participate in the item based on historical data of the item members contained in the item details;

an expected total fee determining unit 306, configured to determine an expected total fee generated by case application in the project participation process according to the historical number of cases applied in the project participation process and the case amount contained in the project details;

an expected cost prediction unit 308 configured to predict an expected cost of project members expected to participate in the project based on the expected number of project members and the expected total cost.

Optionally, the item membership determining unit 304 includes:

a growth rate calculating subunit configured to calculate a project member growth rate of the project according to the number of project members participating in the project in at least two consecutive project periods contained in the history data;

a membership determination subunit configured to determine the prospective project membership of prospective participation in the project based on the project membership and the project member growth rate.

Optionally, the expected total cost determining unit 306 includes:

the first case application proportion calculating subunit is configured to calculate the case application proportion in the project period according to the number of the history cases applied in the project period and the number of project members participating in the project period;

a first expected case number predicting subunit, configured to predict the expected number of cases applied in the case period of the expected project according to the expected project member number and the case application ratio;

a first expected total cost determining subunit configured to determine the expected total cost generated by the case application in the expected project period according to the expected number of cases and the case sum.

Optionally, the expected total cost determining unit 306 includes:

a second case application proportion calculating subunit, configured to calculate the case application proportion of each case level in the project period according to the number of historical cases applied at each case level in the project period and the number of project members participating in the project period;

the second expected case number prediction subunit is configured to predict the expected case number of case application at each case level in an expected project period according to the expected project member number and the case application proportion;

the first case expense calculating subunit is configured to calculate expense generated by each case level case application according to the expected number of cases at each case level and the case amount of each case level in the case amount;

a second expected total cost determining subunit configured to sum the costs generated by the case-level case applications to obtain the expected total cost.

Optionally, the expected total cost determining unit 306 includes:

a third case application proportion calculation subunit configured to calculate the case application proportion of each case level in the project period according to the number of historical cases applied at each case level in the project period and the number of project members participating in the project period;

a third expected case number predicting subunit, configured to predict the expected case number of case applications at each case level in an expected project period according to the expected project member number and the case application ratio;

a second case charge calculating subunit, configured to calculate charges generated by case application at each case level according to the expected number of cases at each case level and the case amount at each case level in the case amount;

a third expected total cost determination subunit configured to determine the expected total cost according to the sum of the costs generated by the case-level case applications, the historical balance cost contained in the item details, and the item management cost.

Optionally, the items include: a mutual aid and coordination project;

the expected cost includes: the collaborative affiliate members anticipate anticipated apportionment costs of participation in the collaborative affiliate program.

Optionally, the member of the collaborative fraffic that is expected to participate in the collaborative fraffic program comprises: historical mutual aid members already participating in the mutual aid program, new mutual aid members newly participating in the mutual aid program.

Optionally, the expected cost prediction unit 308 is specifically configured to predict the expected apportioned cost of the historical mutual aid members participating in the mutual aid project in the next project cycle according to the expected project member number and the expected total cost of the mutual aid project in the next project cycle;

and calculating the expected total cost of the mutual aid complementary project in the next project period according to the sum of the product of the number of the cases at the first case level and the case amount and the product of the number of the cases at the second case level and the case amount in the next project period, the project management cost in the next project period and the balance cost in the latest project period.

Optionally, the project cost prediction apparatus includes:

a total expected apportionment cost determination unit configured to determine total expected apportionment costs for the new mutual aid member to participate in the multiple successive project cycles of the mutual aid project according to the expected apportionment costs for the new mutual aid member to participate in the multiple successive project cycles of the mutual aid project;

wherein the expected apportionment costs for each project cycle of participation of said new collaborative member in said collaborative project are determined by operating said project cost prediction means.

Optionally, during the operation of the expected cost prediction unit 308, the following constraint conditions are satisfied:

the case allocation amount generated by the application amount of the claim mutual assistance money in the process that the mutual assistance and assistance member participates in the mutual assistance and assistance is not larger than a preset allocation amount threshold value;

The embodiment of the computing device provided by the application is as follows:

FIG. 4 is a block diagram illustrating a computing device 400 according to an embodiment of the present description. The components of the computing device 400 include, but are not limited to, a memory 410 and a processor 420. Processor 420 is coupled to memory 410 via bus 430 and database 450 is used to store data.

Computing device 400 also includes access device 440, access device 440 enabling computing device 400 to communicate via one or more networks 460. Examples of such networks include the Public Switched Telephone Network (PSTN), a Local Area Network (LAN), a Wide Area Network (WAN), a Personal Area Network (PAN), or a combination of communication networks such as the internet. Access device 440 may include one or more of any type of network interface (e.g., a Network Interface Card (NIC)) whether wired or wireless, such as an IEEE802.11 Wireless Local Area Network (WLAN) wireless interface, a worldwide interoperability for microwave access (Wi-MAX) interface, an ethernet interface, a Universal Serial Bus (USB) interface, a cellular network interface, a bluetooth interface, a Near Field Communication (NFC) interface, and so forth.

In one embodiment of the present description, the above-described components of computing device 400, as well as other components not shown in FIG. 4, may also be connected to each other, such as by a bus. It should be understood that the block diagram of the computing device structure shown in FIG. 4 is for purposes of example only and is not limiting as to the scope of the description. Those skilled in the art may add or replace other components as desired.

Computing device 400 may be any type of stationary or mobile computing device, including a mobile computer or mobile computing device (e.g., tablet computer, personal digital assistant, laptop computer, notebook computer, netbook, etc.), mobile phone (e.g., smartphone), wearable computing device (e.g., smartwatch, smart glasses, etc.), or other type of mobile device, or a stationary computing device such as a desktop computer or PC. Computing device 400 may also be a mobile or stationary server.

The present application provides a computing device comprising a memory 410, a processor 420, and computer instructions stored on the memory and executable on the processor, the processor 420 being configured to execute the following computer-executable instructions:

acquiring project details of project member participation projects;

Optionally, the determining the number of prospective item members prospective to participate in the item according to the historical data of the item members contained in the item details includes:

determining the expected item membership expected to participate in the item based on the item membership and the item membership growth rate.

calculating case application proportion of each case level in the project period according to the historical case number applied by each case level in the project period and the project member number participating in the project period;

Optionally, the items include: a mutual aid and coordination project;

the case amount includes: the mutual aid members participate in the application amount of the application for claiming mutual aid money in the process of the mutual aid project;

the expected costs include: the collaborative affiliate members anticipate anticipated apportionment costs of participation in the collaborative affiliate program.

Optionally, the member of the collaborative fraffic that is expected to participate in the collaborative fraffic program comprises:

Optionally, the predicting the expected cost of the project member expected to participate in the project according to the expected project member number and the expected total cost includes:

Optionally, the processor 420 is further configured to execute the following computer-executable instructions:

wherein an expected amortization cost per project cycle for the new mutual aid member to participate in the mutual aid project is determined by execution of the computer-executable instructions.

Optionally, the following constraint conditions are satisfied in the execution process of the expected total expense instruction generated by case application in the project participation process, which is determined according to the number of history cases applied in the project participation process and the case amount contained in the project details:

The embodiment of a computer-readable storage medium provided by the application is as follows:

an embodiment of the present application further provides a computer-readable storage medium storing computer instructions that, when executed by a processor, are configured to:

acquiring project details of project member participation projects;

predicting the number of the expected cases applied in the expected project period according to the number of the members of the expected projects and the case application ratio;

and determining the expected total expense generated by the case application in the expected project period according to the expected number of cases and the case amount.

predicting the number of expected cases of case level case applications in an expected project period according to the number of expected project members and the case application proportion;

Optionally, the items include: a mutual aid and coordination project;

the expected cost includes: the collaborative fraffic members expect an expected contribution to participate in the collaborative fraffic program.

the expected item member number of the mutual aid item in the next item period is obtained by calculation according to the item member number and the item member growth rate of the mutual aid item in the item period which is contained in the historical data and is closest to the next item period;

Optionally, the project cost prediction method includes:

The above is an illustrative scheme of a computer-readable storage medium of the present embodiment. It should be noted that the technical solution of the storage medium is the same concept as the technical solution of the project cost prediction method, and the detailed contents of the technical solution of the storage medium, which are not described in detail, can be referred to the description of the technical solution of the project cost prediction method.

The computer instructions comprise computer program code which may be in the form of source code, object code, an executable file or some intermediate form, or the like. The computer-readable medium may include: any entity or device capable of carrying the computer program code, recording medium, usb disk, removable hard disk, magnetic disk, optical disk, computer Memory, read-Only Memory (ROM), random Access Memory (RAM), electrical carrier wave signals, telecommunications signals, software distribution medium, and the like. It should be noted that the computer readable medium may contain content that is subject to appropriate increase or decrease as required by legislation and patent practice in jurisdictions, for example, in some jurisdictions, computer readable media does not include electrical carrier signals and telecommunications signals as is required by legislation and patent practice.

It should be noted that, for the sake of simplicity, the above-mentioned method embodiments are described as a series of acts or combinations, but those skilled in the art should understand that the present application is not limited by the described order of acts, as some steps may be performed in other orders or simultaneously according to the present application. Further, those skilled in the art should also appreciate that the embodiments described in the specification are preferred embodiments and that the acts and modules referred to are not necessarily required in this application.

In the above embodiments, the descriptions of the respective embodiments have respective emphasis, and for parts that are not described in detail in a certain embodiment, reference may be made to related descriptions of other embodiments.

The preferred embodiments of the present application disclosed above are intended only to aid in the explanation of the application. Alternative embodiments are not exhaustive and do not limit the invention to the precise embodiments described. Obviously, many modifications and variations are possible in light of the above teaching. The embodiments were chosen and described in order to best explain the principles of the application and its practical application, to thereby enable others skilled in the art to best understand and utilize the application. The application is limited only by the claims and their full scope and equivalents.

Claims

1. A project cost prediction method, comprising:

acquiring project details of project member participation projects;

predicting an expected cost of project members expected to participate in the project based on the expected number of project members and the expected total cost;

the expected item membership is obtained by calculation according to the item membership contained in the historical data and the item member growth rate; the expected total cost is obtained by calculating the sum of the costs generated by the case level case application, the historical balance cost contained in the project details and the project management cost.

2. The method of project cost prediction according to claim 1, wherein said determining a number of prospective project members prospective to participate in said project based on historical data of said project members contained in said project details comprises:

3. The project expense prediction method according to claim 2, wherein the determining of the expected total expense generated by case application in anticipation of the project participation process according to the historical number of cases applied in the project participation process and the case amount included in the project details comprises:

predicting the number of the expected cases of case application in an expected project period according to the number of the expected project members and the case application proportion; and determining the expected total expense generated by the case application in the expected project period according to the expected number of cases and the case amount.

4. The project expense prediction method according to claim 2, wherein the determining of the expected total expense generated by case application in anticipation of the project participation process according to the historical number of cases applied in the project participation process and the case amount included in the project details comprises:

and summing the expenses generated by the case-level case applications to obtain the expected total expense.

5. The method for predicting project expenses according to claim 2, wherein said determining an expected total expense incurred by case application in anticipation of said project participation process based on the historical number of cases applied in said project participation process and the amount of case money included in said project details comprises:

6. The project charge prediction method according to claim 5, wherein the project management charge is determined according to a ratio of a sum of charges generated by the case-level case applications to a project management charge generated by participating in the project management.

7. The method of claim 2, wherein said expected cost of project members participating in said project over said expected project period is determined based on a ratio of said expected total cost to said expected number of project members.

8. The project cost prediction method according to any of claims 1 to 7, characterized in that the project comprises: a mutual aid and coordination project;

9. The method of project cost prediction according to claim 8, wherein said mutually-helped members expected to participate in said mutually-helped project comprises:

10. The method of predicting the cost of a project of claim 9, wherein said predicting the expected cost of project members expected to participate in said project based on said expected number of project members and said expected total cost comprises:

predicting the expected distribution cost of the historical mutual aid members participating in the mutual aid project in the next project period according to the expected project member number and the expected total cost of the mutual aid project in the next project period;

11. The project cost prediction method of claim 9, comprising:

12. The project expense prediction method according to claim 8, wherein the step of determining the expected total expense generated by case application in the project participation process according to the number of history cases applied in the project participation process and the case money amount included in the project details satisfies the following constraint conditions:

and if the case allocation amount generated by the mutual aid co-economy member in the process of participating in the mutual aid co-economy project aiming at the application amount of the claim mutual aid money is larger than the preset allocation amount threshold value, determining the expected total cost by taking the preset allocation amount threshold value as the case allocation amount.

13. An apparatus for predicting project cost, comprising:

an expected total fee determining unit, configured to determine an expected total fee generated by case application in the project participation process according to the historical number of cases applied in the project participation process and the case amount contained in the project details;

an expected cost prediction unit configured to predict an expected cost of a project member expected to participate in the project based on the expected number of project members and the expected total cost; the expected item membership is obtained by calculation according to the item membership contained in the historical data and the item member growth rate; the expected total cost is obtained by calculating the sum of the costs generated by the case level case application, the historical balance cost contained in the project details and the project management cost.

14. A computing device, comprising:

a memory and a processor;

acquiring project details of project member participation projects;

determining an expected total expense generated by case application in the project participation process according to the historical case number applied in the project participation process and the case amount contained in the project details; predicting an expected cost of project members expected to participate in the project based on the expected number of project members and the expected total cost;

the expected item membership is obtained by calculation according to the item membership contained in the historical data and the item member growth rate; the expected total cost is obtained by calculation according to the sum of the cost generated by each case level case application, the historical balance cost contained in the project details and the project management cost.

15. A computer readable storage medium storing computer instructions which, when executed by a processor, carry out the steps of the project cost prediction method of any one of claims 1 to 12.