CN110458717A - Declaration form continues rate acquisition methods, device and computer readable storage medium - Google Patents
Declaration form continues rate acquisition methods, device and computer readable storage medium Download PDFInfo
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- CN110458717A CN110458717A CN201910699350.4A CN201910699350A CN110458717A CN 110458717 A CN110458717 A CN 110458717A CN 201910699350 A CN201910699350 A CN 201910699350A CN 110458717 A CN110458717 A CN 110458717A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q10/00—Administration; Management
- G06Q10/10—Office automation; Time management
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/02—Marketing; Price estimation or determination; Fundraising
- G06Q30/0201—Market modelling; Market analysis; Collecting market data
- G06Q30/0202—Market predictions or forecasting for commercial activities
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/08—Insurance
Abstract
The invention discloses a kind of declaration forms to continue rate acquisition methods, this method comprises: obtaining target declaration form；Whether the state for judging target declaration form is premium state to be paid；If so, obtaining the system time of steerable system, system time is input to and obtains function at the first time, determines that the first date for obtaining time month first job day for the system time that function returns at the first time is the continuation of insurance time of target declaration form；Before the continuation of insurance time reaches, the payment confirmation message of target declaration form is monitored and judges whether to receive in real time；According to whether the payment confirmation message for receiving target declaration form, which carries out declaration form, continues rate calculating.The present invention also proposes that a kind of declaration form continues rate acquisition device and a kind of computer readable storage medium.The accuracy that declaration form continues rate acquisition can be improved in the present invention.
Description
Technical field
The present invention relates to field of computer technology more particularly to a kind of declaration form to continue rate acquisition methods, device and computer
Readable storage medium storing program for executing.
Background technique
In declaration form system, it will usually calculate the rate that continues of declaration form, need to obtain declaration form when calculating continues rate
The payment time, and judge declaration form whether pay the fees so that determine the declaration form whether continue insurance.However, in existing declaration form system,
When the payment time of declaration form is weekend or festivals or holidays, the payment time of declaration form often can not be accurately judged, causing cannot be quasi-
True acquisition declaration form continues rate.
Summary of the invention
The present invention provides a kind of declaration form and continues rate acquisition methods, device and computer readable storage medium, main purpose
It is to improve the accuracy that declaration form continues rate acquisition.
To achieve the above object, the present invention also provides a kind of declaration forms to continue rate acquisition methods, this method comprises:
Obtain target declaration form；
Whether the state for judging the target declaration form is premium state to be paid；
If the armed state of the target declaration form is premium state to be paid, the system time of steerable system is obtained, by institute
It states system time and is input to acquisition function at the first time, obtain the system time that the first time acquisition function returns
The first date of secondary month first job day determines that first date is the continuation of insurance time of the target declaration form；
Before the continuation of insurance time reaches, the payment confirmation of the target declaration form is monitored and judges whether to receive in real time
Message；
If receiving the payment confirmation message of the target declaration form, determine the target declaration form as renewal policy, base
In the target declaration form, renewal policy has calculated the first renewal policy total amount and/or the first renewal premium total value with other, and
Based on the target declaration form, renewal policy, other non-renewal policies have calculated declaration form total amount and/or declaration form total amount, root for other
It is total with the declaration form total amount and/or according to the first renewal policy total value and the declaration form according to the first renewal policy total amount
The amount of money calculates the first declaration form and continues rate；
If not receiving the payment confirmation message of the target declaration form, determine that the target declaration form is used as non-renewal policy,
The the second renewal policy total amount and/or the second renewal premium total value for obtaining other renewal policies, based on the target declaration form, its
Renewal policy, other non-renewal policies calculate the declaration form total amount and/or the declaration form total amount for he, continuous according to described second
It protects declaration form total amount and the declaration form total amount and/or calculates second according to the second renewal policy total value and the declaration form total amount and protect
Singly continue rate.
Optionally, the real time monitoring and after judging whether to receive the payment confirmation message of the target declaration form, institute
State method further include:
If receiving the payment confirmation message of the target declaration form, the target declaration form is determined for positive sample, described in acquisition
The sample characteristics of target declaration form；
The sample characteristics of the target declaration form are added to sample characteristics library；
Continue rate preset model to declaration form by the sample characteristics library to be trained, the declaration form after being trained continues rate
Prediction model；
Continue continuation of the rate prediction model to the corresponding similar declaration form of the target declaration form by the declaration form after the training
Rate is predicted.
Optionally, the method also includes:
If the state of the target declaration form is not premium state to be paid, judge whether the state of the target declaration form is wait grasp
Work person handles declaration form state；
If the state of the target declaration form is to handle declaration form state to operator, obtain the target declaration form be in it is described to
Operator handles the initial time of declaration form state, and the initial time was input to for the second time and obtains function, obtains described the
Two times obtained the operation early warning time that function returns；
Prompting message is sent to remind the corresponding mesh of the target declaration form to default terminal according to the operation early warning time
Mark operator.
Optionally, the method also includes:
If receiving the payment confirmation message of the target declaration form, the target declaration form is adjusted to the state of having paid the fees；
If being not received by the payment confirmation message of the target declaration form, the target declaration form is kept to be adjusted to premium to be paid
State.
Optionally, the sample characteristics include insurer's information, warrantee's information, policy type, premium, declaration form payment phase
Between, declaration form paid the fees period, one or more among competing product information.
In addition, to achieve the above object, the present invention also provides a kind of declaration forms to continue rate acquisition device, which includes storage
Device and processor, the declaration form that can be run on the processor are stored in the memory continue rate and obtain program, the guarantor
Singly continue to realize following steps when rate acquisition program is executed by the processor:
Obtain target declaration form；
Whether the state for judging the target declaration form is premium state to be paid；
If the armed state of the target declaration form is premium state to be paid, the system time of operating system is obtained, by institute
It states system time and is input to acquisition function at the first time, obtain the system time that the first time acquisition function returns
The first date of secondary month first job day determines that first date is the continuation of insurance time of the target declaration form；
Before the continuation of insurance time reaches, the payment confirmation of the target declaration form is monitored and judges whether to receive in real time
Message；
If receiving the payment confirmation message of the target declaration form, determine the target declaration form as renewal policy, base
In the target declaration form, renewal policy has calculated the first renewal policy total amount and/or the first renewal premium total value with other, and
Based on the target declaration form, renewal policy, other non-renewal policies have calculated declaration form total amount and/or declaration form total amount, root for other
It is total with the declaration form total amount and/or according to the first renewal policy total value and the declaration form according to the first renewal policy total amount
The amount of money calculates the first declaration form and continues rate；
If not receiving the payment confirmation message of the target declaration form, determine that the target declaration form is used as non-renewal policy,
The the second renewal policy total amount and/or the second renewal premium total value for obtaining other renewal policies, based on the target declaration form, its
Renewal policy, other non-renewal policies calculate the declaration form total amount and/or the declaration form total amount for he, continuous according to described second
It protects declaration form total amount and the declaration form total amount and/or calculates second according to the second renewal policy total value and the declaration form total amount and protect
Singly continue rate.
Optionally, the declaration form, which continues rate acquisition program, to be executed by the processor, also realization following steps:
After monitoring in real time and judging whether to receive the payment confirmation message of the target declaration form, if receiving the mesh
The payment confirmation message for marking declaration form determines that the target declaration form is positive sample, obtains the sample characteristics of the target declaration form；
The sample characteristics of the target declaration form are added to sample characteristics library；
Continue rate preset model to declaration form by the sample characteristics library to be trained, the declaration form after being trained continues rate
Prediction model；
Continue continuation of the rate prediction model to the corresponding similar declaration form of the target declaration form by the declaration form after the training
Rate is predicted.
Optionally, the declaration form, which continues rate acquisition program, to be executed by the processor, also realization following steps:
If the state of the target declaration form is not premium state to be paid, judge whether the state of the target declaration form is wait grasp
Work person handles declaration form state；
If the state of the target declaration form is to handle declaration form state to operator, obtain the target declaration form be in it is described to
Operator handles the initial time of declaration form state, and the initial time was input to for the second time and obtains function, obtains described the
Two times obtained the operation early warning time that function returns；
Prompting message is sent to remind the corresponding mesh of the target declaration form to default terminal according to the operation early warning time
Mark operator.
Optionally, the declaration form, which continues rate acquisition program, to be executed by the processor, also realization following steps:
If receiving the payment confirmation message of the target declaration form, the target declaration form is adjusted to the state of having paid the fees；
If being not received by the payment confirmation message of the target declaration form, the target declaration form is kept to be adjusted to premium to be paid
State.
Optionally, the sample characteristics include insurer's information, warrantee's information, policy type, premium, declaration form payment phase
Between, declaration form paid the fees period, one or more among competing product information.
In addition, to achieve the above object, it is described computer-readable the present invention also provides a kind of computer readable storage medium
It is stored with declaration form on storage medium and continues rate acquisition program, the declaration form, which continues rate acquisition program, to be handled by one or more
Device executes, to realize the step of declaration form as described above continues rate acquisition methods.
Declaration form proposed by the present invention continues rate acquisition methods, device and computer readable storage medium, obtains target declaration form；
Whether the state for judging the target declaration form is premium state to be paid；If the armed state of the target declaration form is premium to be paid
State obtains the system time of steerable system, and the system time is input to and obtains function at the first time, obtains described first
Time obtains the first date of time month first job day for the system time that function returns, determines that first date is
The continuation of insurance time of the target declaration form；Before the continuation of insurance time reaches, monitors in real time and judge whether to receive the mesh
Mark the payment confirmation message of declaration form；If receiving the payment confirmation message of the target declaration form, the target declaration form conduct is determined
Renewal policy, based on the target declaration form and other renewal policy the first renewal policy total amount of calculating and/or first continuations of insurance
Gross premium, and based on the target declaration form, other renewal policy, other non-renewal policies calculate declaration form total amounts and/or
Declaration form total amount, it is total with the declaration form total amount and/or according to first renewal policy according to the first renewal policy total amount
Volume and the declaration form total amount calculate the first declaration form and continue rate；If not receiving the payment confirmation message of the target declaration form, really
The fixed target declaration form is used as non-renewal policy, obtains other the second renewal policy total amounts of renewal policy and/or second continuous
Protect gross premium, based on the target declaration form, other renewal policy, other non-renewal policies calculate the declaration form total amount and/
Or the declaration form total amount, according to the second renewal policy total amount and the declaration form total amount and/or according to second continuation of insurance
The value of your policy and the declaration form total amount calculate the second declaration form and continue rate.So as to accurately get the payment time of declaration form,
And accurately judge whether declaration form pays the fees in time, improve the accuracy that declaration form continues rate acquisition.
Detailed description of the invention
Fig. 1 is the flow diagram that the declaration form that one embodiment of the invention provides continues rate acquisition methods；
Fig. 2 is the schematic diagram of internal structure that the declaration form that one embodiment of the invention provides continues rate acquisition device；
Fig. 3 is the module that the declaration form that one embodiment of the invention provides continues that declaration form in rate acquisition device continues rate acquisition program
Schematic diagram.
The embodiments will be further described with reference to the accompanying drawings for the realization, the function and the advantages of the object of the present invention.
Specific embodiment
It should be appreciated that the specific embodiments described herein are merely illustrative of the present invention, it is not intended to limit the present invention.
The present invention provides a kind of declaration form and continues rate acquisition methods.It is the guarantor that one embodiment of the invention provides shown in referring to Fig.1
Singly continue the flow diagram of rate acquisition methods.This method can be executed by an electronic device.
In the present embodiment, declaration form continues rate acquisition methods and includes:
Step S11 obtains target declaration form.
In the embodiment of the present invention, declaration form can be the declaration form of the insurances such as life insurance, accident insurance.
The target declaration form can be one or multiple declaration forms.For example, it is default that the target declaration form, which is number of policy,
The declaration form of number of policy.
In a kind of alternative embodiment, when receiving declaration form acquisition instruction, target declaration form is obtained.Wherein, declaration form acquisition refers to
Enable the information (such as number of policy or policy type) of the target declaration form obtained comprising instruction.
Further, it is institute that the acquisition target declaration form, which can also include: the declaration form that acquisition policy type is preset kind,
State target declaration form.
Wherein, the preset kind can be one or more types.For example, preset kind is health insurance, or default
Type is medical insurance and serious illness insurance or preset kind is accident insurance.
Through this embodiment, the declaration form for obtaining some or multiple types can be oriented.
Further, the acquisition target declaration form can also include: that obtain the declaration form that user is designated user of insuring be institute
State target declaration form.
Wherein, the designated user can be one or more users, specifically, the designated user can be some battalion
It sells the corresponding one or more users of channel or the designated user can be one or more corresponding for some insurance agent
A user.
Through this embodiment, the declaration form for obtaining the specified user that insures can be oriented.
Step S12 judges whether the state of the target declaration form is premium state to be paid.
Wherein, premium state to be paid indicates that the declaration form is in the state for waiting the user that insures to pay premium.
In a kind of alternative embodiment, the information of declaration form and declaration form is stored in declaration form database, each declaration form passes through
Different status indicators indicates the state of declaration form.Meanwhile the state of the declaration form stored in declaration form database may include but not
Be limited to: wait pay the fees, wait accept insurance, wait the states such as check.
Usual each declaration form has time limit regular hour, and year can be divided to carry out premium in the time limit that declaration form is ensured
It delivers, for example, declaration form is serious illness insurance, agreement is ensured 30 years in declaration form contract, is divided 10 years and is paid premium, which starts to accept insurance
Date is 10 days 2 months, then user needs to pay the fees before annual 10 days 2 months, until payment is 10 years full；Alternatively, if declaration form is short
When phase danger, it is also desirable to which user is paid the fees again after the guarantee time limit of the insurance expires could continue in the new year as user
It provides safeguard, for example, the time of accepting insurance of certain accident insurance is on January the previous year 1, it is 1 day January the previous year to this year 1 during guarantee
Month 1 day, then after January 1 this year, user, which needs to pay the fees again, to be bought the insurance kind and could obtain the guarantee of the accident insurance.
In a kind of alternative embodiment, whether the state for judging the target declaration form is premium state to be paid further include:
The system time of operating system is obtained, identifies current month；Obtain declaration form initially accept insurance the time, according to it is described initially accept insurance when
Between determine month to be continued insurance, judge continued premium month whether be current month declaration form, if the target declaration form wait continue insurance
Month is current month, and the state of the target declaration form is adjusted to premium state to be paid.
Step S13, if the armed state of the target declaration form is premium state to be paid, when obtaining the system of operating system
Between, the system time is input to and obtains function at the first time, obtains the system that the first time acquisition function returns
The first date of time month first job day of system time determines that first date is the continuation of insurance time of the target declaration form.
In the present embodiment, the system time of operating system refers to the operating system of the electronic device of processing target declaration form
System time, specifically, the system time for obtaining operating system includes obtaining current year, month, date and week.
First time obtains the date on working day that function is used to calculate next month according to system time, i.e., and first
Date.Traversal calendar in function is obtained at the first time and obtains the date on working day in next month, and then returns to current time
The date on working day in next month is to get to the first date.
The declaration form continuation of insurance time of target declaration form can be rapidly obtained through this embodiment.
Further, in an alternative embodiment of the invention, the method also includes:
If the state of the target declaration form is not premium state to be paid, judge whether the state of the target declaration form is wait grasp
Work person handles declaration form state；
If the state of the target declaration form is to handle declaration form state to operator, obtain the target declaration form be in it is described to
Operator handles the initial time of declaration form state, and the initial time was input to for the second time and obtains function, obtains described the
Two times obtained the operation early warning time that function returns；
Prompting message is sent to remind the corresponding mesh of the target declaration form to default terminal according to the operation early warning time
Mark operator.
Wherein, handled to operator protect the single state representation declaration form be in the staff of insurance company to declaration form at
The state of reason, for example, target declaration form is to determine that the declaration form is to handle declaration form state to operator when core protects state, alternatively, mesh
Mark declaration form is to determine that the declaration form is to handle declaration form state to operator when checking state.
In the present embodiment, obtaining the initial time for handling declaration form state to operator includes being in handle to operator to protect
Time, month, date and the week of single state.
In the present embodiment, the second time obtained function and is used to be searched according to the initial time for handling declaration form state to operator
The day after n-th working day (for example, the 20th working day or the 30th working day) after calendar acquisition initial time
Phase, the date are pre-warning time.
By carrying out early warning prompting when pre-warning time reaches, the timeliness for improving business processing can be conducive to.
Step S14 is monitored in real time before the continuation of insurance time reaches and is judged whether to receive the target declaration form
Payment confirmation message.
In a kind of alternative embodiment, if payment system receives the payment request for being directed to target declaration form, and pays and complete, then touch
Send out the payment confirmation message of target declaration form.
Before the continuation of insurance time reaches, if receiving the payment confirmation message of target declaration form, confirm that the target declaration form is completed
The continuous of premium is paid.
Further, in an alternative embodiment of the invention, the method also includes:
If receiving the payment confirmation message of the target declaration form, the target declaration form is adjusted to the state of having paid the fees；
If being not received by the payment confirmation message of the target declaration form, the target declaration form is kept to be adjusted to premium to be paid
State.
Through this embodiment, the state for timely changing target declaration form is conducive to trigger different processing routines accurate
Processing is monitored to each stage of declaration form.
Step S15 determines that the target declaration form is used as and has continued insurance if receiving the payment confirmation message of the target declaration form
Declaration form, based on the target declaration form, renewal policy calculates the first renewal policy total amount and/or the first renewal premium is total with other
Volume, and based on the target declaration form, renewal policy, other non-renewal policies calculate declaration form total amounts and/or declaration form is total for other
The amount of money, according to the first renewal policy total amount and the declaration form total amount and/or according to the first renewal policy total value and institute
It states declaration form total amount the first declaration form of calculating and continues rate.
Step S16 determines that the target declaration form conduct does not continue if not receiving the payment confirmation message of the target declaration form
Declaration form is protected, the second renewal policy total amount and/or the second renewal premium total value of other renewal policies are obtained, is based on the target
Declaration form, renewal policy, other non-renewal policies calculate the declaration form total amount and/or the declaration form total amount for other, according to institute
State the second renewal policy total amount and the declaration form total amount and/or according to the second renewal policy total value and the declaration form total amount meter
It calculates the second declaration form and continues rate.
Declaration form continues rate i.e. declaration form continuation of insurance rate, refers to paid premium portfolio and the whole premiums of expiring within one period
The ratio for the portfolio that expires, wherein portfolio can be measured with the sum of declaration form quantity, whole premium amount of money.
In the present embodiment, it is described other renewal policy is preset a period of time (for example, half a year, 1 year, 2 years
Deng) continuing the declaration form for paying premium, other non-renewal policies are in identical period (i.e. aforementioned preset a period of time)
The not continuous declaration form for paying premium.
For example, determining the declaration form for renewal policy, by the mesh after receiving the payment confirmation message of target declaration form
Other interior declaration form quantity of having paid the fees of mark declaration form and preset time period are added again divided by should all pay guarantor in the preset time period
The quantity taken obtains current premium continuation of insurance rate, wherein preset time period can be certain moon perhaps certain some months or certain year
Deng.
Similar, after being not received by the payment confirmation message of target declaration form, determine that the declaration form is non-renewal policy,
The target declaration form is not added with other declaration form quantity of having paid the fees in preset time period, only by preset time period other again divided by
The quantity that premium should be all paid in preset time period obtains current premium continuation of insurance rate, wherein preset time period can be certain
The moon perhaps certain some months or certain year etc..
Further, in an alternative embodiment of the invention, the method also includes:
If being not received by the payment confirmation message of target declaration form, the target declaration form is determined for positive sample, described in acquisition
The sample characteristics of target declaration form；
The sample characteristics of the target declaration form are added to sample characteristics library；
Continue rate preset model to declaration form by the sample characteristics library to be trained, the declaration form after being trained continues rate
Prediction model；
Continue continuation of the rate prediction model to the corresponding similar declaration form of the target declaration form by the declaration form after the training
Rate is predicted.
Further, in an alternative embodiment of the invention, the sample characteristics include insurer's information, warrantee's information,
During policy type, premium, declaration form payment, declaration form paid the fees period, one or more among competing product information.
Insurer's information includes but is not limited to insurer's age, insurer's occupation, insurer's gender.
Warrantee's information includes but is not limited to warrantee's age, insurer's occupation, insurer's gender.
Feeling the pulse with the finger-tip mark declaration form needs how long to pay the fees altogether during the premium payment, for example, being one during declaration form is paid the fees
Year or declaration form are 20 years during paying the fees.
In the Jing Pin packet our company declaration form similar with target declaration form information (including be not limited to ensure the time limit,
Ensure the amount of money, premium, premium clause) or company other than the declaration form similar with target declaration form (including be not limited to ensure the time limit, protect
Hinder the amount of money, premium, premium clause).
The sample characteristics library includes the feature of the declaration form of several identical or different classifications.
The declaration form, which continues rate prediction model, to be the model constructed based on convolutional neural networks, be used to continue declaration form
Rate is predicted.
The corresponding similar declaration form of the target declaration form refers to the declaration form with target declaration form same type, for example, target declaration form
For serious illness insurance declaration form, then similar declaration form refers to other serious illness insurance declaration forms accepted insurance；Alternatively, target declaration form is accident policy, then
Similar declaration form is the accident policy that other have been accepted insurance.
In this example, confirm that target guarantor is positive sample when target declaration form is renewal policy, and obtain the target declaration form
Feature further enriches the feature of renewal policy in sample characteristics library, is conducive to the raising of the accuracy of model training.
Through this embodiment, due to accurately having judged the payment situation of target declaration form, it can be improved sample characteristics
The accuracy of sample in library, and then be conducive to the accuracy of training result, improve the accurate of the continuation of insurance rate prediction to similar declaration form
Rate.
The declaration form that the present embodiment proposes continues rate acquisition methods, obtains target declaration form；Judge the state of the target declaration form
It whether is premium state to be paid；If the armed state of the target declaration form is premium state to be paid, obtain steerable system is
It unites the time, the system time is input to and obtains function at the first time, obtain the institute that the first time acquisition function returns
The first date for stating time month first job day of system time, when determining that first date is the continuation of insurance of the target declaration form
Between；Before the continuation of insurance time reaches, the payment confirmation message of the target declaration form is monitored and judges whether to receive in real time；
If receiving the payment confirmation message of the target declaration form, determine that the target declaration form as renewal policy, is based on the mesh
Marking declaration form, renewal policy has calculated the first renewal policy total amount and/or the first renewal premium total value with other, and based on described
Target declaration form, renewal policy, other non-renewal policies calculate declaration form total amounts and/or declaration form total amount for other, according to described the
One renewal policy total amount is calculated with the declaration form total amount and/or according to the first renewal policy total value and the declaration form total amount
First declaration form continues rate；If not receiving the payment confirmation message of the target declaration form, determine that the target declaration form conduct does not continue
Declaration form is protected, the second renewal policy total amount and/or the second renewal premium total value of other renewal policies are obtained, is based on the target
Declaration form, renewal policy, other non-renewal policies calculate the declaration form total amount and/or the declaration form total amount for other, according to institute
State the second renewal policy total amount and the declaration form total amount and/or according to the second renewal policy total value and the declaration form total amount meter
It calculates the second declaration form and continues rate.So as to accurately getting the payment time of declaration form, and accurately judge declaration form whether and
When pay the fees, improve declaration form continue rate acquisition accuracy.
The present invention also provides a kind of declaration forms to continue rate acquisition device.Referring to shown in Fig. 2, provided for one embodiment of the invention
Declaration form continues the schematic diagram of internal structure of rate acquisition device.
In the present embodiment, declaration form, which continues rate acquisition device 1, can be PC (Personal Computer, PC),
It is also possible to the terminal devices such as smart phone, tablet computer, portable computer.The declaration form continues rate acquisition device 1 and includes at least
Memory 11, processor 12, network interface 13 and communication bus 14.
Wherein, memory 11 include at least a type of readable storage medium storing program for executing, the readable storage medium storing program for executing include flash memory,
Hard disk, multimedia card, card-type memory (for example, SD or DX memory etc.), magnetic storage, disk, CD etc..Memory 11
It can be the internal storage unit that declaration form continues rate acquisition device 1 in some embodiments, such as the declaration form continues rate and obtains dress
Set 1 hard disk.Memory 11 is also possible to the External memory equipment that declaration form continues rate acquisition device 1 in further embodiments,
Such as declaration form continues the plug-in type hard disk being equipped on rate acquisition device 1, intelligent memory card (Smart Media Card, SMC), peace
Digital (Secure Digital, SD) card, flash card (Flash Card) etc..Further, memory 11 can also be wrapped both
Including declaration form to continue the internal storage unit of rate acquisition device 1 also includes External memory equipment.Memory 11 can be not only used for depositing
Storage is installed on application software and Various types of data that declaration form continues rate acquisition device 1, such as declaration form continues the generation that rate obtains program 01
Code etc., can be also used for temporarily storing the data that has exported or will export.
Processor 12 can be in some embodiments a central processing unit (Central Processing Unit,
CPU), controller, microcontroller, microprocessor or other data processing chips, the program for being stored in run memory 11
Code or processing data, such as execute declaration form and continue rate acquisition program 01 etc..
Network interface 13 optionally may include standard wireline interface and wireless interface (such as WI-FI interface), be commonly used in
Communication connection is established between the device 1 and other electronic equipments.
Communication bus 14 is for realizing the connection communication between these components.
Optionally, which can also include user interface, and user interface may include display (Display), input
Unit such as keyboard (Keyboard), optional user interface can also include standard wireline interface and wireless interface.It is optional
Ground, in some embodiments, display can be light-emitting diode display, liquid crystal display, touch-control liquid crystal display and OLED
(Organic Light-Emitting Diode, Organic Light Emitting Diode) touches device etc..Wherein, display can also be appropriate
Referred to as display screen or display unit, for be shown in declaration form continue the information handled in rate acquisition device 1 and for show can
Depending on the user interface changed.
Fig. 2, which is illustrated only, continues rate acquisition device with component 11-14 and the declaration form declaration form for continuing rate acquisition program 01
1, it will be appreciated by persons skilled in the art that Fig. 2 shows structure do not constitute and continue the limit of rate acquisition device 1 to declaration form
It is fixed, it may include perhaps combining certain components or different component layouts than illustrating less perhaps more components.
In 1 embodiment of device shown in Fig. 2, it is stored with declaration form in memory 11 and continues rate acquisition program 01；Processor
The declaration form stored in 12 execution memories 11 continues to realize following steps when rate obtains program 01:
Obtain target declaration form.
In the embodiment of the present invention, declaration form can be the declaration form of the insurances such as life insurance, accident insurance.
The target declaration form can be one or multiple declaration forms.For example, it is default that the target declaration form, which is number of policy,
The declaration form of number of policy.
In a kind of alternative embodiment, when receiving declaration form acquisition instruction, target declaration form is obtained.Wherein, declaration form acquisition refers to
Enable the information (such as number of policy or policy type) of the target declaration form obtained comprising instruction.
Further, it is institute that the acquisition target declaration form, which can also include: the declaration form that acquisition policy type is preset kind,
State target declaration form.
Wherein, the preset kind can be one or more types.For example, preset kind is health insurance, or default
Type is medical insurance and serious illness insurance or preset kind is accident insurance.
Through this embodiment, the declaration form for obtaining some or multiple types can be oriented.
Further, the acquisition target declaration form can also include: that obtain the declaration form that user is designated user of insuring be institute
State target declaration form.
Wherein, the designated user can be one or more users, specifically, the designated user can be some battalion
It sells the corresponding one or more users of channel or the designated user can be one or more corresponding for some insurance agent
A user.
Through this embodiment, the declaration form for obtaining the specified user that insures can be oriented.
Whether the state for judging the target declaration form is premium state to be paid.
Wherein, premium state to be paid indicates that the declaration form is in the state for waiting the user that insures to pay premium.
In a kind of alternative embodiment, the information of declaration form and declaration form is stored in declaration form database, each declaration form passes through
Different status indicators indicates the state of declaration form.Meanwhile the state of the declaration form stored in declaration form database may include but not
Be limited to: wait pay the fees, wait accept insurance, wait the states such as check.
Usual each declaration form has time limit regular hour, and year can be divided to carry out premium in the time limit that declaration form is ensured
It delivers, for example, declaration form is serious illness insurance, agreement is ensured 30 years in declaration form contract, is divided 10 years and is paid premium, which starts to accept insurance
Date is 10 days 2 months, then user needs to pay the fees before annual 10 days 2 months, until payment is 10 years full；Alternatively, if declaration form is short
When phase danger, it is also desirable to which user is paid the fees again after the guarantee time limit of the insurance expires could continue in the new year as user
It provides safeguard, for example, the time of accepting insurance of certain accident insurance is on January the previous year 1, it is 1 day January the previous year to this year 1 during guarantee
Month 1 day, then after January 1 this year, user, which needs to pay the fees again, to be bought the insurance kind and could obtain the guarantee of the accident insurance.
In a kind of alternative embodiment, whether the state for judging the target declaration form is premium state to be paid further include:
The system time of operating system is obtained, identifies current month；Obtain declaration form initially accept insurance the time, according to it is described initially accept insurance when
Between determine month to be continued insurance, judge continued premium month whether be current month declaration form, if the target declaration form wait continue insurance
Month is current month, and the state of the target declaration form is adjusted to premium state to be paid.
If the armed state of the target declaration form is premium state to be paid, the system time of operating system is obtained, by institute
It states system time and is input to acquisition function at the first time, obtain the system time that the first time acquisition function returns
The first date of secondary month first job day determines that first date is the continuation of insurance time of the target declaration form.
In the present embodiment, the system time of operating system refers to the operating system of the electronic device of processing target declaration form
System time, specifically, the system time for obtaining operating system includes obtaining current year, month, date and week.
First time obtains the date on working day that function is used to calculate next month according to system time, i.e., and first
Date.Traversal calendar in function is obtained at the first time and obtains the date on working day in next month, and then returns to current time
The date on working day in next month is to get to the first date.
The declaration form continuation of insurance time of target declaration form can be rapidly obtained through this embodiment.
Further, in an alternative embodiment of the invention, the declaration form, which continues rate acquisition program, to be held by the processor
Row, also realization following steps:
If the state of the target declaration form is not premium state to be paid, judge whether the state of the target declaration form is wait grasp
Work person handles declaration form state；
If the state of the target declaration form is to handle declaration form state to operator, obtain the target declaration form be in it is described to
Operator handles the initial time of declaration form state, and the initial time was input to for the second time and obtains function, obtains described the
Two times obtained the operation early warning time that function returns；
Prompting message is sent to remind the corresponding mesh of the target declaration form to default terminal according to the operation early warning time
Mark operator.
Wherein, handled to operator protect the single state representation declaration form be in the staff of insurance company to declaration form at
The state of reason, for example, target declaration form is to determine that the declaration form is to handle declaration form state to operator when core protects state, alternatively, mesh
Mark declaration form is to determine that the declaration form is to handle declaration form state to operator when checking state.
In the present embodiment, obtaining the initial time for handling declaration form state to operator includes being in handle to operator to protect
Time, month, date and the week of single state.
In the present embodiment, the second time obtained function and is used to be searched according to the initial time for handling declaration form state to operator
The day after n-th working day (for example, the 20th working day or the 30th working day) after calendar acquisition initial time
Phase, the date are pre-warning time.
By carrying out early warning prompting when pre-warning time reaches, the timeliness for improving business processing can be conducive to.
Before the continuation of insurance time reaches, the payment confirmation of the target declaration form is monitored and judges whether to receive in real time
Message.
In a kind of alternative embodiment, if payment system receives the payment request for being directed to target declaration form, and pays and complete, then touch
Send out the payment confirmation message of target declaration form.
Before the continuation of insurance time reaches, if receiving the payment confirmation message of target declaration form, confirm that the target declaration form is completed
The continuous of premium is paid.
Further, in an alternative embodiment of the invention, the declaration form, which continues rate acquisition program, to be held by the processor
Row, also realization following steps:
If receiving the payment confirmation message of the target declaration form, the target declaration form is adjusted to the state of having paid the fees；
If being not received by the payment confirmation message of the target declaration form, the target declaration form is kept to be adjusted to premium to be paid
State.
Through this embodiment, the state for timely changing target declaration form is conducive to trigger different processing routines accurate
Processing is monitored to each stage of declaration form.
If receiving the payment confirmation message of the target declaration form, determine the target declaration form as renewal policy, base
In the target declaration form, renewal policy has calculated the first renewal policy total amount and/or the first renewal premium total value with other, and
Based on the target declaration form, renewal policy, other non-renewal policies have calculated declaration form total amount and/or declaration form total amount, root for other
It is total with the declaration form total amount and/or according to the first renewal policy total value and the declaration form according to the first renewal policy total amount
The amount of money calculates the first declaration form and continues rate.
If not receiving the payment confirmation message of the target declaration form, determine that the target declaration form is used as non-renewal policy,
The the second renewal policy total amount and/or the second renewal premium total value for obtaining other renewal policies, based on the target declaration form, its
Renewal policy, other non-renewal policies calculate the declaration form total amount and/or the declaration form total amount for he, continuous according to described second
It protects declaration form total amount and the declaration form total amount and/or calculates second according to the second renewal policy total value and the declaration form total amount and protect
Singly continue rate.
Declaration form continues rate i.e. declaration form continuation of insurance rate, refers to paid premium portfolio and the whole premiums of expiring within one period
The ratio for the portfolio that expires, wherein portfolio can be measured with the sum of declaration form quantity, whole premium amount of money.
In the present embodiment, it is described other renewal policy is preset a period of time (for example, half a year, 1 year, 2 years
Deng) continuing the declaration form for paying premium, other non-renewal policies are in identical period (i.e. aforementioned preset a period of time)
The not continuous declaration form for paying premium.
For example, determining the declaration form for renewal policy, by the mesh after receiving the payment confirmation message of target declaration form
Other interior declaration form quantity of having paid the fees of mark declaration form and preset time period are added again divided by should all pay guarantor in the preset time period
The quantity taken obtains current premium continuation of insurance rate, wherein preset time period can be certain moon perhaps certain some months or certain year
Deng.
Similar, after being not received by the payment confirmation message of target declaration form, determine that the declaration form is non-renewal policy,
The target declaration form is not added with other declaration form quantity of having paid the fees in preset time period, only by preset time period other again divided by
The quantity that premium should be all paid in preset time period obtains current premium continuation of insurance rate, wherein preset time period can be certain
The moon perhaps certain some months or certain year etc..
Further, in an alternative embodiment of the invention, the declaration form, which continues rate acquisition program, to be held by the processor
Row, also realization following steps:
If being not received by the payment confirmation message of target declaration form, the target declaration form is determined for positive sample, described in acquisition
The sample characteristics of target declaration form；
The sample characteristics of the target declaration form are added to sample characteristics library；
Continue rate preset model to declaration form by the sample characteristics library to be trained, the declaration form after being trained continues rate
Prediction model；
Continue continuation of the rate prediction model to the corresponding similar declaration form of the target declaration form by the declaration form after the training
Rate is predicted.
Further, in an alternative embodiment of the invention, the sample characteristics include insurer's information, warrantee's information,
During policy type, premium, declaration form payment, declaration form paid the fees period, one or more among competing product information.
Insurer's information includes but is not limited to insurer's age, insurer's occupation, insurer's gender.
Warrantee's information includes but is not limited to warrantee's age, insurer's occupation, insurer's gender.
Feeling the pulse with the finger-tip mark declaration form needs how long to pay the fees altogether during the premium payment, for example, being one during declaration form is paid the fees
Year or declaration form are 20 years during paying the fees.
In the Jing Pin packet our company declaration form similar with target declaration form information (including be not limited to ensure the time limit,
Ensure the amount of money, premium, premium clause) or company other than the declaration form similar with target declaration form (including be not limited to ensure the time limit, protect
Hinder the amount of money, premium, premium clause).
The sample characteristics library includes the feature of the declaration form of several identical or different classifications.
The declaration form, which continues rate prediction model, to be the model constructed based on convolutional neural networks, be used to continue declaration form
Rate is predicted.
The corresponding similar declaration form of the target declaration form refers to the declaration form with target declaration form same type, for example, target declaration form
For serious illness insurance declaration form, then similar declaration form refers to other serious illness insurance declaration forms accepted insurance；Alternatively, target declaration form is accident policy, then
Similar declaration form is the accident policy that other have been accepted insurance.
In this example, confirm that target guarantor is positive sample when target declaration form is renewal policy, and obtain the target declaration form
Feature further enriches the feature of renewal policy in sample characteristics library, is conducive to the raising of the accuracy of model training.
Through this embodiment, due to accurately having judged the payment situation of target declaration form, it can be improved sample characteristics
The accuracy of sample in library, and then be conducive to the accuracy of training result, improve the accurate of the continuation of insurance rate prediction to similar declaration form
Rate.
The declaration form that the present embodiment proposes continues rate acquisition device, obtains target declaration form；Judge the state of the target declaration form
It whether is premium state to be paid；If the armed state of the target declaration form is premium state to be paid, obtain steerable system is
It unites the time, the system time is input to and obtains function at the first time, obtain the institute that the first time acquisition function returns
The first date for stating time month first job day of system time, when determining that first date is the continuation of insurance of the target declaration form
Between；Before the continuation of insurance time reaches, the payment confirmation message of the target declaration form is monitored and judges whether to receive in real time；
If receiving the payment confirmation message of the target declaration form, determine that the target declaration form as renewal policy, is based on the mesh
Marking declaration form, renewal policy has calculated the first renewal policy total amount and/or the first renewal premium total value with other, and based on described
Target declaration form, renewal policy, other non-renewal policies calculate declaration form total amounts and/or declaration form total amount for other, according to described the
One renewal policy total amount is calculated with the declaration form total amount and/or according to the first renewal policy total value and the declaration form total amount
First declaration form continues rate；If not receiving the payment confirmation message of the target declaration form, determine that the target declaration form conduct does not continue
Declaration form is protected, the second renewal policy total amount and/or the second renewal premium total value of other renewal policies are obtained, is based on the target
Declaration form, renewal policy, other non-renewal policies calculate the declaration form total amount and/or the declaration form total amount for other, according to institute
State the second renewal policy total amount and the declaration form total amount and/or according to the second renewal policy total value and the declaration form total amount meter
It calculates the second declaration form and continues rate.So as to accurately getting the payment time of declaration form, and accurately judge declaration form whether and
When pay the fees, improve declaration form continue rate acquisition accuracy.
Optionally, in other embodiments, declaration form, which continues rate acquisition program, can also be divided into one or more mould
Block, one or more module are stored in memory 11, and (the present embodiment is processor by one or more processors
12) performed to complete the present invention, the so-called module of the present invention is the series of computation machine program for referring to complete specific function
Instruction segment continues rate and obtains program in declaration form to continue the implementation procedure in rate acquisition device for describing declaration form.
For example, referring to shown in Fig. 3, continues the declaration form in one embodiment of rate acquisition device for declaration form of the present invention and continue rate acquisition
The program module schematic diagram of program, in the embodiment, declaration form continues rate and obtains program and can be divided into obtain module 10, judgement
Module 20, determining module 30, monitoring module 40, the first computing module 50 and the second computing module 60, illustratively:
It obtains module 10 to be used for: obtaining target declaration form；
Judgment module 20 is used for: whether the state for judging the target declaration form is premium state to be paid；
Determining module 30 is used for: if the armed state of the target declaration form is premium state to be paid, obtaining steerable system
System time, the system time is input to and obtains function at the first time, obtaining first time obtains function and return
The system time time month first job day the first date, determine that first date is the continuous of the target declaration form
Protect the time；
Monitoring module 40 is used for: before the continuation of insurance time reaches, being monitored in real time and is judged whether to receive the mesh
Mark the payment confirmation message of declaration form；
First computing module 50 is used for: if receiving the payment confirmation message of the target declaration form, determining that the target is protected
Nonoculture is renewal policy, based on the target declaration form and other renewal policy has calculated the first renewal policy total amount and/or the
One renewal premium total value, and based on the target declaration form, renewal policy, other non-renewal policies have calculated declaration form total amounts for other
And/or declaration form total amount, it is protected according to the first renewal policy total amount and the declaration form total amount and/or according to first continuation of insurance
Single total value and the declaration form total amount calculate the first declaration form and continue rate；
Second computing module 60 is used for: if not receiving the payment confirmation message of the target declaration form, determining the target
Declaration form is used as non-renewal policy, obtains the second renewal policy total amount and/or the second renewal premium total value of other renewal policies,
Based on the target declaration form, renewal policy, other non-renewal policies calculating declaration form total amounts and/or the declaration form are total for other
The amount of money, according to the second renewal policy total amount and the declaration form total amount and/or according to the second renewal policy total value and institute
It states declaration form total amount the second declaration form of calculating and continues rate.
Above-mentioned acquisition module 10, judgment module 20, determining module 30, monitoring module 40, the first computing module 50 and second
The program modules such as computing module 60 are performed realized functions or operations step and are substantially the same with above-described embodiment, herein not
It repeats again.
In addition, the embodiment of the present invention also proposes a kind of computer readable storage medium, the computer readable storage medium
On be stored with declaration form continue rate obtain program, the declaration form continue rate obtain program can be executed by one or more processors, with
Realize following operation:
Obtain target declaration form；
Whether the state for judging the target declaration form is premium state to be paid；
If the armed state of the target declaration form is premium state to be paid, the system time of steerable system is obtained, by institute
It states system time and is input to acquisition function at the first time, obtain the system time that the first time acquisition function returns
The first date of secondary month first job day determines that first date is the continuation of insurance time of the target declaration form；
Before the continuation of insurance time reaches, the payment confirmation of the target declaration form is monitored and judges whether to receive in real time
Message；
If receiving the payment confirmation message of the target declaration form, determine the target declaration form as renewal policy, base
In the target declaration form, renewal policy has calculated the first renewal policy total amount and/or the first renewal premium total value with other, and
Based on the target declaration form, renewal policy, other non-renewal policies have calculated declaration form total amount and/or declaration form total amount, root for other
It is total with the declaration form total amount and/or according to the first renewal policy total value and the declaration form according to the first renewal policy total amount
The amount of money calculates the first declaration form and continues rate；
If not receiving the payment confirmation message of the target declaration form, determine that the target declaration form is used as non-renewal policy,
The the second renewal policy total amount and/or the second renewal premium total value for obtaining other renewal policies, based on the target declaration form, its
Renewal policy, other non-renewal policies calculate the declaration form total amount and/or the declaration form total amount for he, continuous according to described second
It protects declaration form total amount and the declaration form total amount and/or calculates second according to the second renewal policy total value and the declaration form total amount and protect
Singly continue rate.
Computer readable storage medium specific embodiment of the present invention continues rate acquisition device with above-mentioned declaration form and method is each
Embodiment is essentially identical, does not make tired state herein.
It should be noted that the serial number of the above embodiments of the invention is only for description, do not represent the advantages or disadvantages of the embodiments.And
The terms "include", "comprise" herein or any other variant thereof is intended to cover non-exclusive inclusion, so that packet
Process, device, article or the method for including a series of elements not only include those elements, but also including being not explicitly listed
Other element, or further include for this process, device, article or the intrinsic element of method.Do not limiting more
In the case where, the element that is limited by sentence "including a ...", it is not excluded that including process, device, the article of the element
Or there is also other identical elements in method.
Through the above description of the embodiments, those skilled in the art can be understood that above-described embodiment side
Method can be realized by means of software and necessary general hardware platform, naturally it is also possible to by hardware, but in many cases
The former is more preferably embodiment.Based on this understanding, technical solution of the present invention substantially in other words does the prior art
The part contributed out can be embodied in the form of software products, which is stored in one as described above
In storage medium (such as ROM/RAM, magnetic disk, CD), including some instructions are used so that terminal device (it can be mobile phone,
Computer, server or network equipment etc.) execute method described in each embodiment of the present invention.
The above is only a preferred embodiment of the present invention, is not intended to limit the scope of the invention, all to utilize this hair
Equivalent structure or equivalent flow shift made by bright specification and accompanying drawing content is applied directly or indirectly in other relevant skills
Art field, is included within the scope of the present invention.
Claims (10)
1. a kind of declaration form continues rate acquisition methods, which is characterized in that the described method includes:
Obtain target declaration form；
Whether the state for judging the target declaration form is premium state to be paid；
If the armed state of the target declaration form is premium state to be paid, the system time of steerable system is obtained, by the system
The system time is input to obtains function at the first time, obtain first time obtain the system time that function returns time month
The first date of first job day determines that first date is the continuation of insurance time of the target declaration form；
Before the continuation of insurance time reaches, monitors in real time and judge whether that the payment confirmation for receiving the target declaration form disappears
Breath；
If receiving the payment confirmation message of the target declaration form, determine that the target declaration form as renewal policy, is based on institute
Stating target declaration form, renewal policy has calculated the first renewal policy total amount and/or the first renewal premium total value with other, and is based on
The target declaration form, renewal policy, other non-renewal policies calculate declaration form total amount and/or declaration form total amount for other, according to institute
State the first renewal policy total amount and the declaration form total amount and/or according to the first renewal policy total value and the declaration form total amount
It calculates the first declaration form and continues rate；
If not receiving the payment confirmation message of the target declaration form, determines that the target declaration form is used as non-renewal policy, obtain
The second renewal policy total amount and/or the second renewal premium total value of other renewal policies, based on the target declaration form, other
Renewal policy, other non-renewal policies calculate the declaration form total amount and/or the declaration form total amount, are protected according to second continuation of insurance
Single total amount and the declaration form total amount and/or according to the second renewal policy total value and the declaration form total amount calculate the second declaration form after
Continuous rate.
2. declaration form as described in claim 1 continues rate acquisition methods, which is characterized in that the real time monitoring simultaneously judges whether to connect
After the payment confirmation message for receiving the target declaration form, the method also includes:
If receiving the payment confirmation message of the target declaration form, determines that the target declaration form is positive sample, obtain the target
The sample characteristics of declaration form；
The sample characteristics of the target declaration form are added to sample characteristics library；
Continue rate preset model to declaration form by the sample characteristics library to be trained, the declaration form after being trained continues rate prediction
Model；
By the declaration form after the training continue rate prediction model to the corresponding similar declaration form of the target declaration form continue rate into
Row prediction.
3. declaration form as described in claim 1 continues rate acquisition methods, which is characterized in that the method also includes:
If the state of the target declaration form is not premium state to be paid, judge whether the state of the target declaration form is to operator
Handle declaration form state；
If the state of the target declaration form is to handle declaration form state to operator, obtains the target declaration form and be in described wait operate
The initial time is input to the second time acquisition function, when obtaining described second by the initial time of member's processing declaration form state
Between obtain function return the operation early warning time；
Prompting message is sent to remind the corresponding target behaviour of the target declaration form to default terminal according to the operation early warning time
Work person.
4. declaration form as described in claim 1 continues rate acquisition methods, which is characterized in that the method also includes:
If receiving the payment confirmation message of the target declaration form, the target declaration form is adjusted to the state of having paid the fees；
If being not received by the payment confirmation message of the target declaration form, keeping the target declaration form is premium state to be paid.
5. declaration form according to any one of claims 1 to 4 continues rate acquisition methods, which is characterized in that the sample characteristics
Including during insurer's information, warrantee's information, policy type, premium, declaration form payment, declaration form paid the fees period, competing product information
Among it is one or more.
6. a kind of declaration form continues rate acquisition device, which is characterized in that described device includes memory and processor, the memory
On be stored with the declaration form that can be run on the processor continue rate obtain program, the declaration form continue rate obtain program it is described
Processor realizes following steps when executing:
Obtain target declaration form；
Whether the state for judging the target declaration form is premium state to be paid；
If the armed state of the target declaration form is premium state to be paid, the system time of operating system is obtained, by the system
The system time is input to obtains function at the first time, obtain first time obtain the system time that function returns time month
The first date of first job day determines that first date is the continuation of insurance time of the target declaration form；
Before the continuation of insurance time reaches, monitors in real time and judge whether that the payment confirmation for receiving the target declaration form disappears
Breath；
If receiving the payment confirmation message of the target declaration form, determine that the target declaration form as renewal policy, is based on institute
Stating target declaration form, renewal policy has calculated the first renewal policy total amount and/or the first renewal premium total value with other, and is based on
The target declaration form, renewal policy, other non-renewal policies calculate declaration form total amount and/or declaration form total amount for other, according to institute
State the first renewal policy total amount and the declaration form total amount and/or according to the first renewal policy total value and the declaration form total amount
It calculates the first declaration form and continues rate；
If not receiving the payment confirmation message of the target declaration form, determines that the target declaration form is used as non-renewal policy, obtain
The second renewal policy total amount and/or the second renewal premium total value of other renewal policies, based on the target declaration form, other
Renewal policy, other non-renewal policies calculate the declaration form total amount and/or the declaration form total amount, are protected according to second continuation of insurance
Single total amount and the declaration form total amount and/or according to the second renewal policy total value and the declaration form total amount calculate the second declaration form after
Continuous rate.
7. declaration form as claimed in claim 6 continues rate acquisition device, which is characterized in that the declaration form continues rate acquisition program can
It is executed by the processor, also realization following steps:
After monitoring in real time and judging whether to receive the payment confirmation message of the target declaration form, protected if receiving the target
Single payment confirmation message determines that the target declaration form is positive sample, obtains the sample characteristics of the target declaration form；
The sample characteristics of the target declaration form are added to sample characteristics library；
Continue rate preset model to declaration form by the sample characteristics library to be trained, the declaration form after being trained continues rate prediction
Model；
By the declaration form after the training continue rate prediction model to the corresponding similar declaration form of the target declaration form continue rate into
Row prediction.
8. declaration form as claimed in claim 6 continues rate acquisition device, which is characterized in that the declaration form continues rate acquisition program can
It is executed by the processor, also realization following steps:
If the state of the target declaration form is not premium state to be paid, judge whether the state of the target declaration form is to operator
Handle declaration form state；
If the state of the target declaration form is to handle declaration form state to operator, obtains the target declaration form and be in described wait operate
The initial time is input to the second time acquisition function, when obtaining described second by the initial time of member's processing declaration form state
Between obtain function return the operation early warning time；
Prompting message is sent to remind the corresponding target behaviour of the target declaration form to default terminal according to the operation early warning time
Work person.
9. the declaration form as described in any one of claim 6 to 8 continues rate acquisition device, which is characterized in that the sample characteristics
Including during insurer's information, warrantee's information, policy type, premium, declaration form payment, declaration form paid the fees period, competing product information
Among it is one or more.
10. a kind of computer readable storage medium, which is characterized in that be stored on the computer readable storage medium declaration form after
Continuous rate obtains program, and the declaration form, which continues rate acquisition program, to be executed by one or more processor, to realize that such as right is wanted
Declaration form described in asking any one of 1 to 5 continues the step of rate acquisition methods.
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| CN108830734A (en) * | 2018-07-03 | 2018-11-16 | 平安健康保险股份有限公司 | Continuation of insurance prediction technique, device, computer equipment and storage medium |
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| CN110458717B (en) | 2022-06-10 |
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