CN110264370A

CN110264370A - Mutual assistance Project Cost settlement system, method and device

Info

Publication number: CN110264370A
Application number: CN201910309916.8A
Authority: CN
Inventors: 王明亮
Original assignee: Alibaba Group Holding Ltd
Current assignee: Advanced New Technologies Co Ltd; Advantageous New Technologies Co Ltd
Priority date: 2019-04-17
Filing date: 2019-04-17
Publication date: 2019-09-20
Anticipated expiration: 2039-04-17
Also published as: CN110264370B

Abstract

The application provides mutual assistance Project Cost settlement system, method and device, wherein the system comprises: equity is classified subsystem, is configured to determine that equity classification and normal distribution section corresponding relationship；Disbursement and sattlement subsystem includes: risk equity computing module, is configured as according to the participation phase time of program member and the risk Incidence calculus risk equity value of program member；Normal distribution conversion module is configured as carrying out normal distribution conversion to risk equity value；Equity grading search module is configured as retrieval normal distribution equity value and is classified in equity classification equity corresponding with normal distribution section locating in the corresponding relationship of normal distribution section；Disbursement and sattlement module is configured as carrying out disbursement and sattlement to program member according to the payment amount of money of the equity classification retrieved.The system, more rationally with fair payment amount of money, has ensured the interests of program member, the mutual assistance project for improving program member participates in experience for the different program member's setting of risk equity.

Description

Mutual assistance Project Cost settlement system, method and device

Technical field

This application involves technical field of data processing, in particular to a kind of mutual assistance Project Cost settlement system.The application is same When be related to a kind of mutual assistance Project Cost settlement method, a kind of mutual assistance Project Cost checkout apparatus, a kind of calculating equipment, and a kind of Computer readable storage medium.

Background technique

With the rapid development of Internet technology, the sale of insurance, after sale, Claims Resolution etc. conversational traffics can be more convenient Ground on-line operation, meanwhile, as degree of concern of the user to own health is higher and higher, the healthy insurance kind such as weight disease, life insurance is more next More by the favor of user.Currently, many insurances use the premium clearing form of " post-paid " when carrying out premium clearing, insure People's non-payment premium when participating in insuring mutual assistance project, will expire in the insurance period for the insurance mutual assistance project that insurer participates in The clearing of Shi Jinhang premium, also, premium is often to be determined according to the Claims Resolution situation of insurance mutual assistance project China National Investment & Guaranty Corp. people, at this In the case of kind, how to guarantee that the balance of the risk equity for insuring mutual assistance project people from China National Investment & Guaranty Corp. and premium becomes " post-paid " insurance coverage The problem faced.

Summary of the invention

In view of this, the embodiment of the present application provides a kind of mutual assistance Project Cost settlement system, to solve in the prior art Existing technological deficiency.The embodiment of the present application provides a kind of mutual assistance Project Cost settlement method, a kind of mutual assistance project expense simultaneously With checkout apparatus, a kind of calculating equipment and a kind of computer readable storage medium.

The application provides a kind of mutual assistance Project Cost settlement system, comprising:

Equity is classified subsystem and disbursement and sattlement subsystem；

Wherein, the equity is classified subsystem, be configured as according to the number of members of the program member for participating in mutual assistance project and The total cost calculating benchmark payment amount of money generated in the mutual assistance project participation process, and according to preset equity be classified number and Expense difference between each equity classification is constructed using the benchmark payment amount of money as the classification expense ordered series of numbers of median, the classification Expense ordered series of numbers is made of the payment amount of money that each equity is classified, and, it is classified according to the payment amount of money of each equity classification and each equity The corresponding normal distribution section of member's accounting, determine equity classification with normal distribution section corresponding relationship；

The disbursement and sattlement subsystem includes risk equity computing module, normal distribution conversion module, equity grading search Module and disbursement and sattlement module；

The risk equity computing module is configured as participating in the participation phase of the mutual assistance project according to the program member The risk equity value of program member described in the risk Incidence calculus of the secondary and described affiliated age range of program member；

The normal distribution conversion module is configured as carrying out normal distribution conversion to the risk equity value；

The equity grading search module is configured as the normal distribution equity value of retrieval conversion acquisition in the equity point Grade equity corresponding with normal distribution section locating in the corresponding relationship of normal distribution section is classified；

The disbursement and sattlement module is configured as the payment amount of money according to the equity classification retrieved to the program member Carry out disbursement and sattlement.

Optionally, the risk equity computing module is specifically configured to participate in the storage program member described mutual It helps in the participation phase time of project and the database of program member's age information and traverses the program member, and every traversal one A program member calculates the risk equity value for the program member being traversed.

Optionally, the risk equity value of the program member and the program member participate in the participation phase of the mutual assistance project It is secondary to be positively correlated and negatively correlated with the risk incidence of the affiliated age range of the program member；

Wherein, the calculation of the risk equity value of the program member includes: to calculate described in program member's participation Both the participation phase time of mutual assistance project and the risk incidence of the affiliated age range of the program member ratio, as the project The risk equity value of member.

Optionally, the normal distribution conversion module, is specifically configured to:

Equity value sequence is constructed according to the risk equity value of the program member；Comprising participating in institute in the equity value sequence State the risk equity value of all items member of mutual assistance project；

Risk equity value in the equity value sequence is traversed, and one risk equity value of every traversal, to quilt The risk equity value of traversal takes logarithm, obtains logarithm equity value；

Judge whether the risk equity value in the equity value sequence is fully completed traversal；

If so, taking the logarithm equity value obtained after logarithm building logarithm power according to the equity value sequence risk equity value Beneficial sequence；

Calculate the equity mean value of logarithm equity value in the logarithm equity sequence；

Calculate the mean square deviation of the logarithm equity sequence；

According to the logarithm equity value, the equity mean value and the mean square deviation for including in the logarithm equity sequence, calculate The normal distribution conversion value of the program member, the normal distribution equity value as the program member.

Optionally, the normal distribution conversion value of the program member includes:

The difference of logarithm equity value and both equity mean values that the risk equity value of the program member takes logarithm to obtain The ratio of value and the mean square deviation.

Optionally, the equity grading search module, is specifically configured to:

Normal distribution equity sequence is constructed according to the normal distribution equity value of the program member；It is described to be just distributed very much equity The normal distribution equity value of all items member comprising the participation mutual assistance project in sequence；

Traverse the normal distribution equity value in the normal distribution equity sequence, and one normal distribution equity of every traversal Value retrieves normal state locating for the normal distribution equity value being traversed in equity classification and normal distribution section corresponding relationship The corresponding equity classification of distributed area；

It will be in the equity classification field of the equity that retrieved classification storage to program member described in database.

Optionally, the disbursement and sattlement module, is specifically configured to:

Read the equity classification recorded in the equity classification field of the program member in the database；

The payment amount of money that the equity of reading is classified participates in the mutual assistance Project Process as the program member The payment amount of money of generation carries out disbursement and sattlement to the program member.

Optionally, the classification expense ordered series of numbers, comprising: using the benchmark payment amount of money as median, with the equity point Number of stages is the item number of ordered series of numbers and the arithmetic progression that is constructed using the expense difference as tolerance；

Wherein, the benchmark payment amount of money includes: the ratio between the total cost and the number of members.

The application also provides a kind of mutual assistance Project Cost settlement method, comprising:

It is sent out according to the risk for participating in phase time and the affiliated age range of the program member that program member participates in mutual assistance project Raw rate, calculates the risk equity value of the program member；

Normal distribution conversion is carried out to the risk equity value, obtains normal distribution equity value；

The normal distribution equity value is retrieved in the classification of predetermined equity and institute in the corresponding relationship of normal distribution section The corresponding equity classification in the normal distribution section at place；

Disbursement and sattlement is carried out to the program member according to the payment amount of money of the equity classification retrieved.

Optionally, participation phase time and the affiliated age area of the program member that mutual assistance project is participated according to program member Between risk incidence, calculate the risk equity value of the program member, comprising:

Store the program member participate in the mutual assistance project participation phase time and program member's age information The program member, and one program member of every traversal are traversed in database, calculate the risk power for the program member being traversed Benefit value.

Optionally, described that normal distribution conversion is carried out to the risk equity value, obtain normal distribution equity value, comprising:

Calculate the mean square deviation of the logarithm equity sequence；

Optionally, the normal distribution conversion value of the program member includes: that the risk equity value of the program member takes pair The difference of logarithm equity value and both equity mean values that number obtains and the ratio of the mean square deviation.

Optionally, the retrieval normal distribution equity value is in the classification of predetermined equity and normal distribution section pair The corresponding equity classification in locating normal distribution section in should being related to, comprising:

Optionally, the payment amount of money according to the equity retrieved classification carries out disbursement and sattlement to the program member, Include:

The application also provides a kind of mutual assistance Project Cost checkout apparatus, comprising:

Risk equity value computing unit is configured as participating in the participation phase time of mutual assistance project and the item according to program member The risk incidence of the affiliated age range of mesh member calculates the risk equity value of the program member；

Normal distribution converting unit is configured as carrying out normal distribution conversion to the risk equity value, obtains normal state point Cloth equity value；

Equity grading search unit, be configured as retrieving the normal distribution equity value the classification of predetermined equity with The corresponding equity classification in locating normal distribution section in the corresponding relationship of normal distribution section；

Disbursement and sattlement unit is configured as carrying out the program member according to the payment amount of money of the equity classification retrieved Disbursement and sattlement.

The application also provides a kind of calculating equipment, comprising:

Memory and processor；The memory is for storing computer executable instructions, and the processor is for executing The computer executable instructions:

The application also provides a kind of computer readable storage medium, is stored with computer instruction, and the instruction is by processor The step of mutual assistance Project Cost settlement method is realized when execution.

Compared with prior art, the application has the advantages that

The application provides a kind of mutual assistance Project Cost settlement system, comprising: equity is classified subsystem and disbursement and sattlement subsystem System；Wherein, the equity is classified subsystem, be configured as according to the number of members of the program member for participating in mutual assistance project and it is described mutually The total cost calculating benchmark payment amount of money generated in project participation process is helped, and number and each equity are classified according to preset equity Expense difference between classification is constructed using the benchmark payment amount of money as the classification expense ordered series of numbers of median, the classification expense number Column are made of the payment amount of money that each equity is classified, and, according to the member of the payment amount of money of each equity classification and the classification of each equity The corresponding normal distribution section of accounting determines equity classification and normal distribution section corresponding relationship；The disbursement and sattlement subsystem Including risk equity computing module, normal distribution conversion module, equity grading search module and disbursement and sattlement module；The wind Dangerous equity computing module, be configured as being participated according to the program member mutual assistance project the participation phase time and the project at The risk equity value of program member described in the risk Incidence calculus of age range belonging to member；The normal distribution conversion module, It is configured as carrying out normal distribution conversion to the risk equity value；The equity grading search module is configured as retrieval and turns The normal distribution equity value of acquisition is changed in equity classification and zone of normal distribution locating in the corresponding relationship of normal distribution section Between the classification of corresponding equity；The disbursement and sattlement module is configured as the payment amount of money according to the equity classification retrieved to institute It states program member and carries out disbursement and sattlement.

Mutual assistance Project Cost settlement system provided by the present application is classified subsystem and disbursement and sattlement subsystem two by equity Cooperation between person, by being classified to program member in mutual assistance project according to risk equity, and from risk equity pair The payment amount of money being consistent with risk equity is arranged in the program member of different risk equity, carries out expense to program member on this basis When with clearing, the normal distribution equity value obtained after normal distribution is converted according to the risk equity value of program member determines item The classification of equity locating for mesh member finally carries out disbursement and sattlement to program member according to the payment amount of money that locating equity is classified, To keep the disbursement and sattlement for program member more rationally and fair, while different risk equity in mutual assistance project are also ensured Program member interests, improve program member and the participation of mutual assistance project experienced.

Detailed description of the invention

Fig. 1 is a kind of schematic diagram of mutual assistance Project Cost settlement system provided by the embodiments of the present application；

Fig. 2 is a kind of process flow diagram of normal distribution conversion process provided by the embodiments of the present application；

Fig. 3 is a kind of mutual assistance Project Cost settlement method process flow diagram provided by the embodiments of the present application；

Fig. 4 is a kind of schematic diagram of mutual assistance Project Cost checkout apparatus provided by the embodiments of the present application；

Fig. 5 is a kind of structural block diagram for calculating equipment provided by the embodiments of the present application.

Specific embodiment

Many details are explained in the following description in order to fully understand the application.But the application can be with Much it is different from other way described herein to implement, those skilled in the art can be without prejudice to the application intension the case where Under do similar popularization, therefore the application is not limited by following public specific implementation.

The term used in this specification one or more embodiment be only merely for for the purpose of describing particular embodiments, It is not intended to be limiting this specification one or more embodiment.In this specification one or more embodiment and appended claims The "an" of singular used in book, " described " and "the" are also intended to including most forms, unless context is clearly Indicate other meanings.It is also understood that term "and/or" used in this specification one or more embodiment refers to and includes One or more associated any or all of mutual assistance project listed may combine.

It will be appreciated that though may be retouched using term first, second etc. in this specification one or more embodiment Various information are stated, but these information should not necessarily be limited by these terms.These terms are only used to for same type of information being distinguished from each other It opens.For example, first can also be referred to as second, class in the case where not departing from this specification one or more scope of embodiments As, second can also be referred to as first.Depending on context, word as used in this " if " can be construed to " ... when " or " when ... " or " in response to determination ".

The application provides a kind of mutual assistance Project Cost settlement system, and the application also provides a kind of mutual assistance Project Cost clearing side Method, a kind of mutual assistance Project Cost checkout apparatus, a kind of calculating equipment and a kind of computer readable storage medium.Individually below It is described in detail one by one in conjunction with the attached drawing of embodiment provided by the present application.

A kind of mutual assistance Project Cost settlement system embodiment provided by the present application is as follows:

Referring to attached drawing 1, it illustrates a kind of schematic diagram of mutual assistance Project Cost settlement system provided in this embodiment, references Attached drawing 2, it illustrates a kind of process flow diagrams of normal distribution conversion process provided by the embodiments of the present application.

Mutual assistance Project Cost settlement system provided by the present application, comprising:

Equity is classified subsystem 110 and disbursement and sattlement subsystem 120；

Wherein, the equity is classified subsystem 110, is configured as the number of members according to the program member for participating in mutual assistance project With the total cost calculating benchmark payment amount of money generated in the mutual assistance project participation process, and according to preset equity be classified number Expense difference between each equity classification is constructed using the benchmark payment amount of money as the classification expense ordered series of numbers of median, and described point Grade expense ordered series of numbers is made of the payment amount of money that each equity is classified, and, according to the payment amount of money and each equity point of the classification of each equity The corresponding normal distribution section of member's accounting of grade determines equity classification and normal distribution section corresponding relationship；

The disbursement and sattlement subsystem 120 includes risk equity computing module 122, normal distribution conversion module 124, equity Grading search module 126 and disbursement and sattlement module 128；

The risk equity computing module 122 is configured as participating in the ginseng of the mutual assistance project according to the program member With the risk equity value of program member described in the risk Incidence calculus of phase time and the affiliated age range of program member；

The normal distribution conversion module 124 is configured as carrying out normal distribution conversion to the risk equity value；

The equity grading search module 126 is configured as the normal distribution equity value of retrieval conversion acquisition in the power Benefit classification equity corresponding with normal distribution section locating in the corresponding relationship of normal distribution section is classified；

The disbursement and sattlement module 128 is configured as the payment amount of money according to the equity classification retrieved to the project Member carries out disbursement and sattlement.

In the embodiment of the present application, mutual assistance project refers to that set has a collection of member of same requirements, this collection of member passes through The mode for participating in mutual assistance project carries out mutual mutual assistance mutual aid, i.e., is participated in mutual assistance project jointly, when participation mutual assistance item When any program member of purpose has an accident or faces other special circumstances to want help, mutual assistance is proposed by the program member Application, if mutual assistance application audit passes through, by the sundry item member of participation mutual assistance project (except the project for proposing mutual assistance application All items member except member) in such a way that mutual aid money is provided to the program member carry out mutual assistance mutual aid；

If the audit fails for mutual assistance application, and audits not in the program member for proposing mutual assistance application to the mutual assistance application By the contentious situation of result under, generate corresponding pending case for the mutual assistance application, pass through mutual assistance project middle term Audit group membership in mesh audit group decides whether to provide mutual aid money to pending case by the way of voting, if ginseng There is 50% or more audit group membership to vote a go-ahead granting mutual aid money with the audit group membership of ballot, then to the item raised an objection Mesh member provides mutual aid money；Refuse to provide if participating in has 50% or more audit group membership to vote in the audit group membership of ballot Mutual aid money is then refused to provide mutual aid money to the program member to raise an objection.

Specifically, this part mutual aid money is to adopt during to proposing that the program member of mutual assistance application provides mutual aid money It is paid with the mode shared by sundry item member, it may be assumed that program member is to propose mutually by paying certain contribution quota The program member of application is helped to provide mutual assistance mutual aid, the characteristics of mutual assistance project is " post-paid ", it may be assumed that program member applies participating in mutual assistance Paying is not necessarily to when project, when any program member for participating in mutual assistance project has an accident or face other to want help After special circumstances propose mutual assistance application, by sundry item member to proposition mutual assistance application by way of paying certain expense Program member carries out mutual assistance mutual aid.

By taking mutual assistance mutual aid formula health insurance project as an example, in the program member of participation mutual assistance mutual aid formula health insurance project, year The disease incident of age biggish program member and young program member difference are bigger, i.e., risk incidence differs ratio Larger, therefore, older program member participates in mutual assistance mutual aid formula health insurance project with young program member and is sending out Ensure that the probability of itself equity is not also identical by application Claims Resolution under raw disease event, in this case, if for not Cotemporary program member carries out premium clearing by the way of sharing out equally premium, during long-term operation, will lead to year Age lesser low-risk program member may surrender due to profit return is lower, and older high-risk item member will It is continuously increased as time goes by.

Mutual assistance Project Cost settlement system provided by the present application, from the program member of participation mutual assistance project, this angle goes out Hair, it is contemplated that in the case that the number of members of the program member of participation mutual assistance project is more, and in view of program member freely adds Enter and exit mutual assistance project, the operation of mutual assistance project natural situation (will not be in a short time because marketing activity has large quantities of program members Mutual assistance project is added) in the case where, the number of members that program member participates in the participation phase time corresponding program member of mutual assistance project meets Normal distribution (number of members that phase time less program member is participated in mutual assistance project is less, with the continuous increase of the phase of participation time, The number of members of the program member of each participation phase time is also gradually increased, when the phase of participation time being in median program member at Member's number reaches peak, and with the increase again of the phase of participation time, the number of members of the program member of each participation phase time gradually starts Reduce), meanwhile, the age of program member corresponds to risk incidence and also complies with normal distribution (smaller age bracket item in mutual assistance project The risk incidence of mesh member is smaller, with the continuous increase of age bracket, the risk incidence of each age group program member also by It is cumulative big), the classification of risk equity is carried out to the program member for participating in mutual assistance project according to above-mentioned normal distribution characteristic, thus What the setting on the basis of classification of program member's risk equity for the classification of different equity was consistent with above-mentioned normal distribution characteristic Payment amount of money, the program member for keeping risk equity different pay the payment amount of money being consistent with risk equity, make in mutual assistance project Payment amount of money between disparity items member is more fair, reasonable, to attract more users that mutual assistance project is added.

When it is implemented, equity classification subsystem 110 according to the number of members of the program member for participating in mutual assistance project and During the total cost generated in the mutual assistance project participation process calculates the benchmark payment amount of money, the number of members refers to Participate in total number of members of all items member of mutual assistance project；The total cost generated in the mutual assistance project participation process, refers to Program member proposes in participating in mutual assistance Project Process and in all pending case for audit of being voted by audit group membership Claim the summation of mutual aid money；The benchmark payment amount of money refers to the ratio between the total cost and the number of members.

For example, the program member's sum for participating in mutual assistance mutual aid formula health insurance project is 200,000 people, nearest a cycle (ratio Such as, the moon) in claim mutual aid money program member have 10 people, wherein it is 100,000 yuan that the mutual aid money of 5 people, which claims the amount of money, other 5 people Mutual aid money claims 300,000 yuan of the amount of money, then ten thousand yuan of total cost=10*5+30*5=200 generated in the period calculate base accordingly Quasi- payment amount of money=program member's sum/total cost=200/20=10 member.

Further, the equity is classified subsystem 110 according to the calculated benchmark payment amount of money, and according to preset The expense difference that equity is classified between number and the classification of each equity is constructed using the benchmark payment amount of money as the classification expense of median Use ordered series of numbers；Optionally, the classification expense ordered series of numbers refers to using the benchmark payment amount of money as median, with equity classification Number is the item number of ordered series of numbers and the arithmetic progression that is constructed using the expense difference as tolerance；And the payment being classified according to each equity The corresponding normal distribution section of member's accounting of the amount of money and the classification of each equity determines that equity classification is corresponding with normal distribution section and closes System.

For example, needing for program member to be divided into 3 equity classifications, equity point in mutual assistance mutual aid formula health insurance project Number of stages is 3, the payment amount of money for the program member that calculated benchmark payment amount of money is classified as second level equity, then second level is weighed The payment amount of money of the program member of benefit classification is 10 yuan, and according to actual business requirement, the expense between adjacent equity classification is poor Value is 4 yuan, then the payment amount of money of the classification of level-one equity and the classification of three-level equity is respectively 6 yuan and 14 yuan, the classification constructed accordingly Expense ordered series of numbers An are as follows: { 6,10,14 }；

Program member in mutual assistance mutual aid formula health insurance project is divided into 3 equity classifications, then each equity is classified Accounting is 33.33%, and (each equity point can be also arranged using being uniformly distributed in program member according to demand herein in practical application The accounting of grade adjusts program member's number of each equity classification), this also means that each program member be distributed to it is any one The probability of a equity classification is 33.33%, and then probability value finds 3 equity in gaussian distribution table and is classified corresponding number accordingly It is worth section, so that it is determined that equity classification and normal distribution section corresponding relationship, table specific as follows:

Equity classification	Normal distribution numerical intervals
		The classification of level-one equity	(- ∞, -0.43]
The classification of second level equity	(- 0.43 ,+0.43]
		The classification of three-level equity	(+0.43 ,+∞)

As shown above, level-one equity be classified corresponding normal distribution numerical intervals be (- ∞, -0.43], second level equity point The corresponding normal distribution numerical intervals of grade be (- 0.43 ,+0.43], three-level equity is classified corresponding normal distribution numerical intervals and is (+0.43 ,+∞).

When it is implemented, the risk equity value of program member is determined by the risk equity computing module 122, it is optional , the risk equity computing module 122 by store the program member participate in the mutual assistance project the participation phase time and The program member, and one program member of every traversal are traversed in the database of program member's age information, calculate quilt The risk equity value of the program member of traversal.It can ensure all items in view of participating in mutual assistance project by the way of traversal Member more comprehensively, and can make on the basis of determining the risk equity value for all items member for participating in mutual assistance project The clearing of the mutual assistance Project Cost of progress are also more comprehensive.

In order to enhance the reasonability that the risk equity value of program member is arranged, optionally, the risk equity value of program member The participation phase time for being further defined as participating in the mutual assistance project with the program member is positively correlated, and with the project The risk incidence of the affiliated age range of member is negatively correlated；Wherein, the risk equity value of program member, in particular to pass through meter It calculates the program member and participates in the participation phase time of the mutual assistance project and the risk generation of the affiliated age range of the program member Both rates ratio will calculate the ratio obtained as the risk equity value of program member.

It is good for for example, being stored with program member in the database of mutual assistance mutual aid formula health insurance project and participating in mutual assistance mutual aid formula in the past Participation phase of health danger project time and the age of program member, the successively program member in ergodic data library, with program member N For, when traversing program member N, according to the corresponding heavy disease incidence rate_n of the age age_n of program member N, and Number time_n is shared in history participation of the program member N in the past in mutual assistance mutual aid formula health insurance project, calculates program member N's Risk equity value Xn: number time_n/ weight disease incidence rate_n is shared in the participation of risk equity value Xn=history；And so on, The risk equity value of all items member in database is calculated by the way of traversal.

On the basis of the risk equity computing module 122 calculates the risk equity value obtained, the normal state point Cloth conversion module 124 carries out normal distribution conversion to the risk equity value, and optionally, referring to shown in attached drawing 2, the application is implemented In example, normal distribution conversion is carried out to the risk equity value to the normal distribution conversion module 124, referring specifically to following steps Rapid S202 to step S214:

Step S202 constructs equity value sequence according to the risk equity value of the program member；

Wherein, the risk equity value of all items member comprising the participation mutual assistance project in the equity value sequence；

Step S204 traverses the risk equity value in the equity value sequence, and one risk power of every traversal Benefit value takes logarithm to the risk equity value being traversed, obtains logarithm equity value；

It should be noted that the purpose for taking logarithm to the risk equity value herein is the risk of disparity items member Gap between equity value reduces, especially for the more similar disparity items member of risk equity value, after taking logarithm Logarithm equity value is more nearly, it is subsequent on the basis of logarithm equity value carry out risk equity classification when, it is easier to logarithm is weighed The close program member of beneficial value is divided into same equity classification；

Step S206, judges whether the risk equity value in the equity value sequence is fully completed traversal；

If so, executing step S208；

If it is not, carrying out above-mentioned traversal to the risk equity value not yet traversed in the equity value sequence and taking log operations；

Step S208 takes the logarithm equity value obtained after logarithm building pair according to the equity value sequence risk equity value Number equity sequence；

Step S210 calculates the equity mean value of logarithm equity value in the logarithm equity sequence；

Step S212 calculates the mean square deviation of the logarithm equity sequence；

Step S214, according to include in the logarithm equity sequence logarithm equity value, the equity mean value and it is described Variance calculates the normal distribution conversion value of the program member, the normal distribution equity value as the program member.

The above-mentioned process that normal distribution conversion is carried out to the risk equity value, it is therefore an objective to by the risk equity of program member Value is randomized, and the risk equity value of program member is randomized the sequence for normal distribution, it is subsequent on this basis When carrying out the classification of risk equity, more average classification can be realized on the basis of randomization, to promote risk equity point The validity of grade.

For example, the risk equity value of the program member of the participation mutual assistance mutual aid formula health insurance project 1) obtained according to calculating, Specifically, the risk equity value X1 of the 1st program member, the risk equity value X2 of the 2nd program member, the 3rd program member Risk equity value X3, and so on, the risk equity value Xn of nth item member, be based on this, construct equity value sequence: {X1,X2,X3,······,Xn}；

2) from equity value sequence X1, X2, X3, Xn in the 1st program member risk equity value X1 Start successively to be traversed, logarithm is taken to the risk equity value of the 1st program member, obtains the logarithm power of the 1st program member Benefit value E1=ln (X1) takes logarithm to the risk equity value of the 2nd program member, obtains the logarithm equity of the 2nd program member Value E2=ln (X2), and so on, logarithm is taken to the risk equity value of nth item member, obtains pair of nth item member Number equity value En=ln (Xn)；

3) judge equity value sequence X1, X2, X3, Xn in risk equity value whether be fully completed Traversal carries out subsequent processing if completed；

If do not completed, to equity value sequence X1, X2, X3, Xn in the risk equity value that does not traverse It is traversed；

4) construct logarithm equity sequence E1, E2, E3, En；

5) calculate logarithm equity sequence E1, E2, E3, En in logarithm equity value equity mean value E:

Equity mean value E=(E1+E2+ ...+En)/N；

6) calculate logarithm equity sequence E1, E2, E3, En mean square deviation (standard deviation, Standard Deviation) S:

Mean square deviation S=[(E1-E)²+(E2-E)²+······+(En-E)²]/N

7) normal distribution equity value Y1=(E1- equity mean value E)/mean square deviation S of the 1st program member is successively calculated, the 2nd Normal distribution equity value Y2=(E2- equity mean value E)/mean square deviation S of a program member, and so on, nth item member's Normal distribution equity value Yn=(En- equity mean value E)/mean square deviation S.

When it is implemented, utilizing the normal state during carrying out premium clearing to the program member in mutual assistance project It is distributed conversion module 124 and the normal distribution power that normal distribution conversion obtains program member is carried out to the risk equity value of program member After benefit value, the normal state that the equity grading search module 126 obtains after being converted according to the normal distribution conversion module 124 is divided Cloth equity value, and the equity classification and normal distribution section corresponding relationship that subsystem 110 determines are classified according to the equity, lead to Cross the risk equity value progress for carrying out retrieving the member that identifies project in equity classification and normal distribution section corresponding relationship The corresponding equity classification of the normal distribution equity value obtained after normal distribution conversion, optionally, equity grading search module 126 has Body constructs normal distribution equity sequence according to the normal distribution equity value of the program member, described to be just distributed in equity sequence very much Normal distribution equity value comprising participating in all items member of the mutual assistance project；

Also, by the way of traversing the normal distribution equity value in the normal distribution equity sequence, every traversal one Normal distribution equity value retrieves the normal distribution equity being traversed in equity classification and normal distribution section corresponding relationship The corresponding equity classification in the locating normal distribution section of value, finally by the equity retrieved classification storage to item described in database In the equity classification field of mesh member.

For example, constructing one just according to the normal distribution equity value Y1 to Yn of the 1st program member to nth item member State be distributed equity sequence Y1, Y2, Y3, Yn, normal distribution equity value in the normal distribution equity sequence It is distributed between-∞~+∞；

Specifically during determining that the equity of each program member is classified, normal state point is successively traversed by the way of traversal The normal distribution equity value of each program member in cloth equity sequence, with the 1st project in mutual assistance mutual aid formula health insurance project For member, when traversal is to the 1st program member, normal state of the risk equity value X1 of the program member after normal distribution is converted Being distributed equity value Y1 is+2.56, is classified in above-mentioned equity and is retrieved in the mapping table of normal distribution section, determines this The normal distribution equity value Y1 of mesh member is in above-mentioned three-level equity and is classified corresponding normal distribution data interval, then by the 1st The equity classification marking of program member is the classification of three-level equity；And so on, it determines in mutual assistance mutual aid formula health insurance project and owns The equity of program member is classified.

The disbursement and sattlement module 128 the equity grading search module 126 by the determining project of retrieval at On the basis of the equity classification of member, expense is carried out to the program member according to the payment amount of money that the equity of the program member is classified With clearing.Optionally, the disbursement and sattlement module 128 is by reading the equity classification of the program member in the database The equity classification recorded in field, and using the payment amount of money of the equity of reading classification as described in program member participation The payment amount of money generated in mutual assistance Project Process carries out disbursement and sattlement to the program member.

For example, the equity classification marking of the 1st program member is the classification of three-level equity, the payment amount of money of three-level equity classification It is 14 yuan, then deducts in the payment account of the 1st program member and produced in 14 yuan of participation mutual assistance mutual aid formula health insurance Project Process Raw expense.

In conclusion mutual assistance Project Cost settlement system provided by the present application, is classified subsystem and expense knot by equity Operator Systems cooperation between the two, by being classified to program member in mutual assistance project according to risk equity, and from risk Equity, which is set out, is arranged the payment amount of money being consistent with risk equity to the program member of different risk equity, on this basis to project When member carries out disbursement and sattlement, weighed according to the normal distribution that the risk equity value of program member obtains after normal distribution is converted Beneficial value is identified project the classification of equity locating for member, and the payment amount of money being finally classified according to locating equity is to program member's progress Disbursement and sattlement to keep the disbursement and sattlement for program member in mutual assistance project more rationally and fair, while also having ensured mutually The interests for helping the program member of different risk equity in project improve program member and experience to the participation of mutual assistance project.

A kind of mutual assistance Project Cost settlement method embodiment provided by the present application is as follows:

It should be noted that being classified subsystem in the mutual assistance Project Cost settlement system of above-mentioned offer by equity and taking Mutual assistance Project Cost settlement process, mutual assistance project provided by the embodiments of the present application are realized jointly with the cooperation of both clearing subsystems Bill settlement method, the operation executed in mutual assistance Project Cost settlement process to the disbursement and sattlement subsystem are illustrated, This method embodiment describes relatively simple, and corresponding contents are referring to the correspondence in above-mentioned mutual assistance Project Cost settlement system embodiment Explanation；In addition, the operation that equity classification subsystem executes in mutual assistance Project Cost settlement process also refers to above-mentioned mutual assistance item In mesh charge settlement system embodiment pair it should be noted that this method embodiment repeats no more.

Referring to attached drawing 3, it illustrates a kind of mutual assistance Project Cost settlement method process flow diagrams provided in this embodiment.

Step S302 participates in participation phase time and the affiliated age range of the program member of mutual assistance project according to program member Risk incidence, calculate the risk equity value of the program member；

Step S304 carries out normal distribution conversion to the risk equity value, obtains normal distribution equity value；

It is corresponding with normal distribution section in the classification of predetermined equity to retrieve the normal distribution equity value by step S306 The corresponding equity classification in locating normal distribution section in relationship；

Step S308 carries out disbursement and sattlement to the program member according to the payment amount of money of the equity classification retrieved.

Calculate the mean square deviation of the logarithm equity sequence；

Optionally, the equity classification and normal distribution section corresponding relationship, determine in the following way:

According to the total expense generated in the number of members for the program member for participating in mutual assistance project and the mutual assistance project participation process With calculating benchmark payment amount of money；

The expense difference building between number and the classification of each equity is classified according to preset equity with benchmark payment gold Volume is the classification expense ordered series of numbers of median, and the classification expense ordered series of numbers is made of the payment amount of money that each equity is classified；

According to the corresponding normal distribution section of member's accounting of the payment amount of money of each equity classification and the classification of each equity, determine The equity classification and normal distribution section corresponding relationship.

A kind of mutual assistance Project Cost checkout apparatus embodiment provided by the present application is as follows:

In the above-described embodiment, a kind of mutual assistance Project Cost settlement method is provided, corresponding, the application is also A kind of mutual assistance Project Cost checkout apparatus is provided, is illustrated with reference to the accompanying drawing.

Referring to attached drawing 4, it illustrates a kind of schematic diagrames of mutual assistance Project Cost checkout apparatus embodiment provided by the present application.

Since Installation practice is substantially similar to embodiment of the method, so describing fairly simple, relevant part please join The corresponding explanation of the embodiment of the method for above-mentioned offer is provided.Installation practice described below is only schematical.

The application provides a kind of mutual assistance Project Cost checkout apparatus, comprising:

Risk equity value computing unit 402 is configured as participating in participation phase time and the institute of mutual assistance project according to program member The risk incidence for stating the affiliated age range of program member calculates the risk equity value of the program member；

Normal distribution converting unit 404 is configured as carrying out normal distribution conversion to the risk equity value, obtains normal state It is distributed equity value；

Equity grading search unit 406 is configured as retrieving the normal distribution equity value in predetermined equity point Grade equity corresponding with normal distribution section locating in the corresponding relationship of normal distribution section is classified；

Disbursement and sattlement unit 408 is configured as the payment amount of money according to the equity classification retrieved to the program member Carry out disbursement and sattlement.

Optionally, the risk equity value computing unit 402 is specifically configured to storing program member's participation institute It states in the participation phase time of mutual assistance project and the database of program member's age information and traverses the program member, and every time A program member is gone through, the risk equity value for the program member being traversed is calculated.

Optionally, normal distribution converting unit 404, comprising:

Equity value sequence constructs subelement, is configured as constructing equity value sequence according to the risk equity value of the program member Column；The risk equity value of all items member comprising the participation mutual assistance project in the equity value sequence；

Equity value takes logarithm subelement, is configured as traversing the risk equity value in the equity value sequence, and And one risk equity value of every traversal, logarithm is taken to the risk equity value being traversed, obtains logarithm equity value；

Ergodic judgement subelement is configured as judging whether the risk equity value in the equity value sequence is fully completed time It goes through；

If so, operation logarithm equity sequence construct subelement, equity mean value computation subelement, mean square deviation computation subunit and Normal distribution equity value computation subunit；

The logarithm equity sequence construct subelement, is configured as being taken according to the equity value sequence risk equity value pair The logarithm equity value building logarithm equity sequence obtained after number；

The equity mean value computation subelement is configured as calculating the equity of logarithm equity value in the logarithm equity sequence Mean value；

The mean square deviation computation subunit is configured as calculating the mean square deviation of the logarithm equity sequence；

The normal distribution equity value computation subunit, is configured as according to the logarithm for including in the logarithm equity sequence Equity value, the equity mean value and the mean square deviation, calculate the normal distribution conversion value of the program member, as the project The normal distribution equity value of member.

Optionally, the equity grading search unit 406, comprising:

Normal distribution equity sequence construct subelement is configured as the normal distribution equity value structure according to the program member Build normal distribution equity sequence；It is described to be just distributed very much all items member's comprising the participation mutual assistance project in equity sequence Normal distribution equity value；

Subelement is retrieved, is configured as traversing the normal distribution equity value in the normal distribution equity sequence, and every A normal distribution equity value is traversed, retrieves the normal state being traversed in equity classification and normal distribution section corresponding relationship It is distributed the corresponding equity classification in normal distribution section locating for equity value；

Storing sub-units are configured as the equity retrieved being classified the equity stored to program member described in database It is classified in field.

Optionally, the disbursement and sattlement unit 408, comprising:

Reading subunit, is configured as reading and records in the equity classification field of the program member in the database Equity classification；

Subelement is settled accounts, the payment amount of money for being configured as the equity that will be read classification is participated in as the program member The payment amount of money generated in the mutual assistance Project Process carries out disbursement and sattlement to the program member.

Optionally, the equity classification and normal distribution section corresponding relationship, are determined by running following units:

Benchmark payment amount of money computing unit is configured as according to the number of members of program member that participates in mutual assistance project and described The total cost calculating benchmark payment amount of money generated in mutual assistance project participation process；

Classification expense ordered series of numbers construction unit is configured as being classified between number and the classification of each equity according to preset equity Expense difference is constructed using the benchmark payment amount of money as the classification expense ordered series of numbers of median, and the classification expense ordered series of numbers is by each equity The payment amount of money of classification forms；

Corresponding relationship determination unit, the member for being configured as the payment amount of money being classified according to each equity and the classification of each equity account for Than corresponding normal distribution section, the equity classification and normal distribution section corresponding relationship are determined.

A kind of calculating apparatus embodiments provided by the present application are as follows:

Fig. 5 is to show the structural block diagram of the calculating equipment 500 according to one embodiment of this specification.The calculating equipment 500 Component include but is not limited to memory 510 and processor 520.Processor 520 is connected with memory 510 by bus 530, Database 550 is for saving data.

Calculating equipment 500 further includes access device 540, access device 540 enable calculate equipment 500 via one or Multiple networks 560 communicate.The example of these networks includes public switched telephone network (PSTN), local area network (LAN), wide area network (WAN), the combination of the communication network of personal area network (PAN) or such as internet.Access device 540 may include wired or wireless One or more of any kind of network interface (for example, network interface card (NIC)), such as IEEE802.11 wireless local area Net (WLAN) wireless interface, worldwide interoperability for microwave accesses (Wi-MAX) interface, Ethernet interface, universal serial bus (USB) connect Mouth, cellular network interface, blue tooth interface, near-field communication (NFC) interface, etc..

In one embodiment of this specification, other unshowned portions in the above-mentioned component and Fig. 5 of equipment 500 are calculated Part can also be connected to each other, such as pass through bus.It should be appreciated that calculating device structure block diagram shown in fig. 5 merely for the sake of Exemplary purpose, rather than the limitation to this specification range.Those skilled in the art can according to need, and increases or replaces it His component.

Calculating equipment 500 can be any kind of static or mobile computing device, including mobile computer or mobile meter Calculate equipment (for example, tablet computer, personal digital assistant, laptop computer, notebook computer, net book etc.), movement Phone (for example, smart phone), wearable calculating equipment (for example, smartwatch, intelligent glasses etc.) or other kinds of shifting Dynamic equipment, or the static calculating equipment of such as desktop computer or PC.Calculating equipment 500 can also be mobile or state type Server.

The application provides a kind of calculating equipment, including memory 510, processor 520 and storage are on a memory and can be The computer instruction run on processor, the processor 520 is for executing following computer executable instructions:

Calculate the mean square deviation of the logarithm equity sequence；

A kind of computer readable storage medium embodiment provided by the present application is as follows:

One embodiment of the application also provides a kind of computer readable storage medium, is stored with computer instruction, the instruction To be used for when being executed by processor:

Calculate the mean square deviation of the logarithm equity sequence；

A kind of exemplary scheme of above-mentioned computer readable storage medium for the present embodiment.It should be noted that this is deposited The technical solution of storage media and the technical solution of above-mentioned mutual assistance Project Cost settlement method belong to same design, storage medium The detail content that technical solution is not described in detail may refer to retouching for the technical solution of above-mentioned mutual assistance Project Cost settlement method It states.

The computer instruction includes computer program code, the computer program code can for source code form, Object identification code form, executable file or certain intermediate forms etc..The computer-readable medium may include: that can carry institute State any entity or device, recording medium, USB flash disk, mobile hard disk, magnetic disk, CD, the computer storage of computer program code Device, read-only memory (ROM, Read-Only Memory), random access memory (RAM, Random Access Memory), Electric carrier signal, telecommunication signal and software distribution medium etc..It should be noted that the computer-readable medium include it is interior Increase and decrease appropriate can be carried out according to the requirement made laws in jurisdiction with patent practice by holding, such as in certain jurisdictions of courts Area does not include electric carrier signal and telecommunication signal according to legislation and patent practice, computer-readable medium.

It should be noted that for the various method embodiments described above, describing for simplicity, therefore, it is stated as a series of Combination of actions, but those skilled in the art should understand that, the application is not limited by the described action sequence because According to the application, certain steps can use other sequences or carry out simultaneously.Secondly, those skilled in the art should also know It knows, the embodiments described in the specification are all preferred embodiments, and related actions and modules might not all be this Shen It please be necessary.

In the above-described embodiments, it all emphasizes particularly on different fields to the description of each embodiment, there is no the portion being described in detail in some embodiment Point, it may refer to the associated description of other embodiments.

The application preferred embodiment disclosed above is only intended to help to illustrate the application.There is no detailed for alternative embodiment All details are described, are not limited the invention to the specific embodiments described.Obviously, according to the content of this specification, It can make many modifications and variations.These embodiments are chosen and specifically described to this specification, is in order to preferably explain the application Principle and practical application, so that skilled artisan be enable to better understand and utilize the application.The application is only It is limited by claims and its full scope and equivalent.

Claims

1. a kind of mutual assistance Project Cost settlement system characterized by comprising

Equity is classified subsystem and disbursement and sattlement subsystem；

Wherein, the equity is classified subsystem, is configured as according to the number of members of the program member for participating in mutual assistance project and described The total cost calculating benchmark payment amount of money generated in mutual assistance project participation process, and number and each power are classified according to preset equity Expense difference between benefit classification is constructed using the benchmark payment amount of money as the classification expense ordered series of numbers of median, the classification expense Ordered series of numbers is made of the payment amount of money that each equity is classified, and, according to each equity classification payment amount of money and each equity classification at The corresponding normal distribution section of member's accounting determines equity classification and normal distribution section corresponding relationship；

The risk equity computing module, be configured as being participated according to the program member mutual assistance project the participation phase time and The risk equity value of program member described in the risk Incidence calculus of the affiliated age range of program member；

The equity grading search module, be configured as retrieval conversion acquisition normal distribution equity value the equity classification with The corresponding equity classification in locating normal distribution section in the corresponding relationship of normal distribution section；

The disbursement and sattlement module is configured as carrying out the program member according to the payment amount of money of the equity classification retrieved Disbursement and sattlement.

2. mutual assistance Project Cost settlement system according to claim 1, which is characterized in that the risk equity calculates mould Block is specifically configured to participate in the participation phase time and program member's age of the mutual assistance project in the storage program member The program member, and one program member of every traversal are traversed in the database of information, calculate the program member's being traversed Risk equity value.

3. mutual assistance Project Cost settlement system according to claim 2, which is characterized in that the risk of the program member is weighed Beneficial value and the participation phase that the program member participates in the mutual assistance project be secondary to be positively correlated, and with year belonging to the program member The risk incidence in age section is negatively correlated；

Wherein, the calculation of the risk equity value of the program member includes: and calculates the program member to participate in the mutual assistance Both the participation phase time of project and the risk incidence of the affiliated age range of the program member ratio, as the program member Risk equity value.

4. mutual assistance Project Cost settlement system according to claim 1, which is characterized in that the normal distribution modulus of conversion Block is specifically configured to:

Equity value sequence is constructed according to the risk equity value of the program member；It is described mutual comprising participating in the equity value sequence Help the risk equity value of all items member of project；

Risk equity value in the equity value sequence is traversed, and one risk equity value of every traversal, to being traversed Risk equity value take logarithm, obtain logarithm equity value；

If so, taking the logarithm equity value obtained after logarithm to construct logarithm equity sequence according to the equity value sequence risk equity value Column；

Calculate the mean square deviation of the logarithm equity sequence；

According to the logarithm equity value, the equity mean value and the mean square deviation for including in the logarithm equity sequence, described in calculating The normal distribution conversion value of program member, the normal distribution equity value as the program member.

5. mutual assistance Project Cost settlement system according to claim 4, which is characterized in that the normal state of the program member point Cloth conversion value includes:

The risk equity value of the program member take logarithm obtain logarithm equity value and both equity mean values difference with The ratio of the mean square deviation.

6. mutual assistance Project Cost settlement system according to claim 4, which is characterized in that the equity grading search mould Block is specifically configured to:

Normal distribution equity sequence is constructed according to the normal distribution equity value of the program member；It is described to be just distributed very much equity sequence In comprising participating in the normal distribution equity value of all items member of the mutual assistance project；

The normal distribution equity value in the normal distribution equity sequence, and one normal distribution equity value of every traversal are traversed, Normal state point locating for the normal distribution equity value being traversed is retrieved in equity classification and normal distribution section corresponding relationship The corresponding equity classification in cloth section；

7. mutual assistance Project Cost settlement system according to claim 6, which is characterized in that the disbursement and sattlement module, tool Body is configured as:

The payment amount of money that the equity of reading is classified is participated in generating in the mutual assistance Project Process as the program member Payment amount of money to the program member carry out disbursement and sattlement.

8. mutual assistance Project Cost settlement system according to claim 1, which is characterized in that the classification expense ordered series of numbers, packet It includes: number is classified as the item number of ordered series of numbers and with the expense difference as median, using the equity using the benchmark payment amount of money For the arithmetic progression of tolerance building；

9. a kind of mutual assistance Project Cost settlement method characterized by comprising

The risk incidence for participating in phase time and the affiliated age range of the program member of mutual assistance project is participated according to program member, Calculate the risk equity value of the program member；

Retrieve the normal distribution equity value the classification of predetermined equity with it is locating in the corresponding relationship of normal distribution section The corresponding equity classification in normal distribution section；

10. mutual assistance Project Cost settlement method according to claim 9, which is characterized in that described to be joined according to program member With the risk incidence for participating in phase time and the affiliated age range of program member of mutual assistance project, calculate the program member's Risk equity value, comprising:

Participation phase time and the data of program member's age information of the mutual assistance project are participated in the storage program member The program member, and one program member of every traversal are traversed in library, calculate the risk equity value for the program member being traversed.

11. mutual assistance Project Cost settlement method according to claim 10, which is characterized in that the risk of the program member The participation phase time that equity value and the program member participate in the mutual assistance project is positively correlated, and with belonging to the program member The risk incidence of age range is negatively correlated；

12. mutual assistance Project Cost settlement method according to claim 10, which is characterized in that described to the risk equity Value carries out normal distribution conversion, obtains normal distribution equity value, comprising:

Calculate the mean square deviation of the logarithm equity sequence；

13. mutual assistance Project Cost settlement method according to claim 12, which is characterized in that the normal state of the program member Distribution conversion value includes: the logarithm equity value and the equity mean value two that the risk equity value of the program member takes logarithm to obtain The ratio of the difference of person and the mean square deviation.

14. mutual assistance Project Cost settlement method according to claim 12, which is characterized in that the retrieval normal state point Cloth equity value is classified corresponding with normal distribution section locating in the corresponding relationship of normal distribution section in predetermined equity Equity classification, comprising:

15. mutual assistance Project Cost settlement method according to claim 14, which is characterized in that described according to the power retrieved The payment amount of money of benefit classification carries out disbursement and sattlement to the program member, comprising:

16. a kind of mutual assistance Project Cost checkout apparatus characterized by comprising

Risk equity value computing unit, be configured as being participated according to program member participation phase time of mutual assistance project and the project at The risk incidence of age range belonging to member, calculates the risk equity value of the program member；

Normal distribution converting unit is configured as carrying out normal distribution conversion to the risk equity value, obtains normal distribution power Benefit value；

Equity grading search unit is configured as retrieving the normal distribution equity value and is classified and normal state in predetermined equity The corresponding equity classification in locating normal distribution section in distributed area corresponding relationship；

Disbursement and sattlement unit is configured as carrying out expense to the program member according to the payment amount of money of the equity classification retrieved Clearing.

17. a kind of calculating equipment characterized by comprising

Memory and processor；

The memory is for storing computer executable instructions, and for executing, the computer is executable to be referred to the processor It enables:

18. a kind of computer readable storage medium, is stored with computer instruction, which is characterized in that the instruction is held by processor The step of mutual assistance Project Cost settlement method described in claim 9 to 15 any one is realized when row.