CN112561641B

CN112561641B - Hierarchical recalculation demonstration method, hierarchical recalculation demonstration device, computer equipment and storage medium

Info

Publication number: CN112561641B
Application number: CN202011483152.3A
Authority: CN
Inventors: 郭丽丽
Original assignee: Ping An Life Insurance Company of China Ltd
Current assignee: Ping An Life Insurance Company of China Ltd
Priority date: 2020-12-15
Filing date: 2020-12-15
Publication date: 2024-04-05
Anticipated expiration: 2040-12-15
Also published as: CN112561641A

Abstract

The embodiment of the application belongs to the field of data processing and relates to a layered recalculation demonstration method, which comprises the steps of obtaining all products in a product combination, determining the appointed time limit of each product according to product information, determining the products reaching the appointed time limit in a preset period, respectively calculating a first total expenditure which does not reach the appointed time limit product and a second total expenditure which reaches the appointed time limit product, obtaining an appointed mode of the product combination from product information, calculating an exempt expenditure based on the appointed mode according to the first total expenditure and/or the second total expenditure, and demonstrating the exempt expenditure. The application also provides a layered recalculation demonstration device, computer equipment and a storage medium. In addition, the present application relates to blockchain technology in which product information may be stored. The method and the device can realize layered calculation of products with different appointed time periods in product combination, and improve calculation accuracy.

Description

Hierarchical recalculation demonstration method, hierarchical recalculation demonstration device, computer equipment and storage medium

Technical Field

The present disclosure relates to the field of data processing technologies, and in particular, to a hierarchical recalculation demonstration method, apparatus, computer device, and storage medium.

Background

Along with the improvement of the living standard of people, the insurance industry rises according to the time-generation requirements, and various insurance types provide guarantee for the life of people at present. New insights are made into insurance, and premiums are a transaction entity between insurers and insurers, and become a central part of the insurance industry in terms of calculation and evaluation.

At present, most insurance in the insurance industry contains exemption insurance, that is, in the effective insurance appointment period, an applicant or an insured takes place contractual insurance accidents (such as statues, disabilities or serious diseases, etc.), so that subsequent premium in the premium exemption category can be not paid, that is, the exemption fee needs to be calculated. In the related art, the payment periods of the main insurance and the additional insurance in the policy combination are consistent, and the exemption fees are calculated based on the insurance fees of the policy combination under the same payment period, so that the calculation of the exemption fees of the policy combination with a plurality of payment periods is inaccurate, and a user cannot accurately know the exemption fees of the policy combination.

Disclosure of Invention

An objective of the embodiments of the present application is to provide a hierarchical recalculation demonstration method, apparatus, computer device and storage medium, so as to solve the problem that in the related art, there are inaccurate calculation of the exemption fees of the policy combination in a plurality of payment periods, so that a user cannot accurately know the exemption fees of the policy combination.

In order to solve the above technical problems, the embodiments of the present application provide a hierarchical recalculation demonstration method, which adopts the following technical schemes:

acquiring all products in the product combination, and determining the appointed term of each product according to the product information;

determining that products reaching the appointed time limit exist in a preset period, and respectively calculating a first total expenditure of the products not reaching the appointed time limit and a second total expenditure of the products reaching the appointed time limit;

and acquiring a contract mode of the product combination from the product information, calculating an exemption expenditure based on the contract mode according to the first total expenditure and/or the second total expenditure, and demonstrating the exemption expenditure.

Further, the step of determining the contracted term of each product according to the product information includes:

determining the appointed term of the main product in the product combination according to the product information;

and comparing the appointed time limit of each product in the product combination, taking the product with the same appointed time limit as a first product and the product with different appointed time limit as a second product.

Further, the step of determining that there is a product reaching the contracted period within the preset period, and calculating a first total payout of the product not reaching the contracted period and a second total payout of the product reaching the contracted period respectively includes:

Determining that there is a second product that reaches the contracted deadline;

calculating a third expenditure of the second product reaching the contracted term, and calculating a main expenditure of the main product, a first expenditure of the first product and a second expenditure of the second product not reaching the contracted term respectively;

summing the primary outcome, the first payout and the second payout results in the first total payout, and taking the third payout as the second total payout.

Further, the step of calculating the third payout of the second product reaching the contracted term and calculating the main payout of the main product, the first payout of the first product, and the second payout of the second product not reaching the contracted term, respectively, includes:

and obtaining the ratio of each product in the product combination, and respectively calculating the main expenditure of the main product, the first expenditure of the first product, the second expenditure of the second product which does not reach the appointed time limit and the third expenditure of the second product which reaches the appointed time limit according to the ratio.

Further, the step of obtaining the contracted mode of the product combination from the product information, calculating an exemption expenditure based on the contracted mode according to the first total expenditure and/or the second total expenditure, and demonstrating the exemption expenditure includes:

When the contract mode is a first contract mode, calculating the exemption expenditure according to the first total expenditure;

when the contract mode is a second contract mode, calculating to obtain a third total expenditure according to the first total expenditure and the second total expenditure, and calculating the exemption expenditure according to the third total expenditure;

and demonstrating the exemption expenditure of each product in the preset period within the appointed period of the main product.

Further, the step of calculating a third total payout according to the first total payout and the second total payout includes:

and converting the first total expense and the second total expense according to a preset rule to obtain a third total expense.

Further, before the step of determining that the product reaching the contracted period exists in the preset period, the method further comprises:

judging whether a product reaching a stipulated period exists in the preset period or not;

if not, obtaining the ratio of all the products, calculating the expenditure of all the products according to the ratio, and summing to obtain a first total expenditure;

if yes, executing the steps of respectively calculating the first total expenditure which does not reach the appointed time limit product and the second total expenditure which reaches the appointed time limit product.

In order to solve the technical problem, the embodiment of the application also provides a layered recalculation demonstration device, which adopts the following technical scheme:

the acquisition module is used for acquiring all the products in the product combination and determining the appointed time limit of each product according to the product information;

the computing module is used for determining that the product reaching the appointed time limit exists in the preset period, and respectively computing a first total expenditure of the product not reaching the appointed time limit and a second total expenditure of the product reaching the appointed time limit;

and the demonstration module is used for acquiring a contract mode of the product combination from the product information, calculating an exemption expenditure based on the contract mode according to the first total expenditure and/or the second total expenditure, and demonstrating the exemption expenditure.

In order to solve the above technical problems, the embodiments of the present application further provide a computer device, which adopts the following technical schemes:

the computer device includes a memory having stored therein computer readable instructions which when executed by the processor implement the steps of the hierarchical recalculation presentation method as described above.

In order to solve the above technical problems, embodiments of the present application further provide a computer readable storage medium, which adopts the following technical solutions:

The computer readable storage medium has stored thereon computer readable instructions which when executed by a processor implement the steps of the hierarchical recalculation presentation method as described above.

Compared with the prior art, the embodiment of the application has the following main beneficial effects:

according to the method, all products in the product combination are obtained, the appointed time limit of each product is determined according to the product information, the products which reach the appointed time limit are determined to exist in a preset period, the first total expenditure which does not reach the appointed time limit products and the second total expenditure which reaches the appointed time limit products are respectively calculated, the appointed mode of the product combination is obtained from the product information, the exempt expenditure is calculated according to the first total expenditure and/or the second total expenditure based on the appointed mode, and the exempt expenditure is demonstrated; according to the method and the device, according to different appointed time periods of the products in the product combination, the expenditure of the product which does not reach the appointed time period and the expenditure of the product which reaches the appointed time period are calculated respectively, layered calculation of the products with different appointed time periods of the product combination can be achieved, meanwhile, the accuracy of calculation is improved, the expenditure avoidance is demonstrated, and the user can select the most suitable product combination by combining the bearing capacity of the user.

Drawings

For a clearer description of the solution in the present application, a brief description will be given below of the drawings that are needed in the description of the embodiments of the present application, it being obvious that the drawings in the following description are some embodiments of the present application, and that other drawings may be obtained from these drawings without inventive effort for a person of ordinary skill in the art.

FIG. 1 is an exemplary system architecture diagram in which the present application may be applied;

FIG. 2 is a flow chart of one embodiment of a hierarchical recalculation presentation method according to the present application;

FIG. 3 is a flow chart of one embodiment of step S201 in FIG. 2;

FIG. 4 is a flow chart of one embodiment of step S202 of FIG. 2;

FIG. 5 is a flow chart of one embodiment of step S203 of FIG. 2;

FIG. 6 is a schematic structural view of one embodiment of a hierarchical recalculation presentation device according to the present application;

FIG. 7 is a schematic structural diagram of one embodiment of a computer device according to the present application.

Detailed Description

Unless defined otherwise, all technical and scientific terms used herein have the same meaning as commonly understood by one of ordinary skill in the art to which this application belongs; the terminology used in the description of the applications herein is for the purpose of describing particular embodiments only and is not intended to be limiting of the application; the terms "comprising" and "having" and any variations thereof in the description and claims of the present application and in the description of the figures above are intended to cover non-exclusive inclusions. The terms first, second and the like in the description and in the claims or in the above-described figures, are used for distinguishing between different objects and not necessarily for describing a sequential or chronological order.

Reference herein to "an embodiment" means that a particular feature, structure, or characteristic described in connection with the embodiment may be included in at least one embodiment of the present application. The appearances of such phrases in various places in the specification are not necessarily all referring to the same embodiment, nor are separate or alternative embodiments mutually exclusive of other embodiments. Those of skill in the art will explicitly and implicitly appreciate that the embodiments described herein may be combined with other embodiments.

In order to better understand the technical solutions of the present application, the following description will clearly and completely describe the technical solutions in the embodiments of the present application with reference to the accompanying drawings.

In order to solve the problem that in the related art, the calculation of the exemption fees of the policy combination with a plurality of payment periods is inaccurate, so that a user cannot accurately know the exemption fees of the policy combination, the application provides a layered recalculation demonstration method, which relates to artificial intelligence, and can be applied to a system architecture 100 as shown in fig. 1, wherein the system architecture 100 can comprise terminal devices 101, 102 and 103, a network 104 and a server 105. The network 104 is used as a medium to provide communication links between the terminal devices 101, 102, 103 and the server 105. The network 104 may include various connection types, such as wired, wireless communication links, or fiber optic cables, among others.

The user may interact with the server 105 via the network 104 using the terminal devices 101, 102, 103 to receive or send messages or the like. Various communication client applications, such as a web browser application, a shopping class application, a search class application, an instant messaging tool, a mailbox client, social platform software, etc., may be installed on the terminal devices 101, 102, 103.

The terminal devices 101, 102, 103 may be various electronic devices having a display screen and supporting web browsing, including but not limited to smartphones, tablet computers, electronic book readers, MP3 players (Moving Picture Experts Group Audio Layer III, dynamic video expert compression standard audio plane 3), MP4 (Moving Picture Experts Group Audio Layer IV, dynamic video expert compression standard audio plane 4) players, laptop and desktop computers, and the like.

The server 105 may be a server providing various services, such as a background server providing support for pages displayed on the terminal devices 101, 102, 103.

It should be noted that, the hierarchical recalculation demonstration method provided in the embodiment of the present application is generally executed by a server and a terminal device, and accordingly, the hierarchical recalculation demonstration device is generally disposed in the server and the terminal device.

It should be understood that the number of terminal devices, networks and servers in fig. 1 is merely illustrative. There may be any number of terminal devices, networks, and servers, as desired for implementation.

With continued reference to FIG. 2, a flowchart of one embodiment of a method of hierarchical recalculation presentation according to the present application is shown, comprising the steps of:

step S201, all the products in the product combination are obtained, and the appointed term of each product is determined according to the product information.

In this embodiment, the product combination includes a main product and an additional product, the product combination is a dangerous seed combination included in an insurance product applied by a user, the main product is a main risk, the additional product is an additional risk, and the main risk is an insurance seed that can be applied separately, such as life insurance, endowment insurance, etc.; the additional risk is an insurance risk that cannot be applied alone, but can be applied in addition to the main risk, such as additional regular life insurance, additional hospitalization benefits, etc. The appointed term is the payment term of insurance, for example, the product combination has the dangerous seed A and the dangerous seed B, the user selects to pay according to the year, the dangerous seed A needs to pay for 5 years, the payment term is 5 years, the dangerous seed B needs to pay for 2 years, and the payment term is 2 years; the user selects to pay according to the month, the dangerous seed A needs to pay for 5 years, namely 60 months, the payment period is 60 months, the dangerous seed B needs to pay for 2 years, namely 24 months, and the payment period is 24 months. The product information is insurance product information including contracted term, payment mode, dangerous type, insurance rate, etc.

It should be emphasized that to further ensure the privacy and security of the product information described above, the product information may also be stored in a node of a blockchain.

The blockchain referred to in the application is a novel application mode of computer technologies such as distributed data storage, point-to-point transmission, consensus mechanism, encryption algorithm and the like. The Blockchain (Blockchain), which is essentially a decentralised database, is a string of data blocks that are generated by cryptographic means in association, each data block containing a batch of information of network transactions for verifying the validity of the information (anti-counterfeiting) and generating the next block. The blockchain may include a blockchain underlying platform, a platform product services layer, an application services layer, and the like.

In this embodiment, the step of determining the contracted term of each product according to the product information specifically includes the steps of:

step S301, determining the appointed time limit of the main product in the product combination according to the product information.

In this embodiment, products with inconsistent appointed terms exist in the product combination, and some of the fees for the appointed terms of the products may be finished in advance, so that the exemption expenditure of the product combination needs to be calculated again in a layered manner. The additional product is attached to the main product, and the appointed term of the main product in the product combination is determined according to the product information.

The method and the device aim to calculate the exemption insurance expense under the scene of a plurality of paying periods, wherein the exemption insurance refers to insurance accidents (such as statues, disabilities or serious diseases) agreed by insurance applicant or insured person, and the main insurance is not submitted or the remaining periods of insurance contract are added for a long time in the insurance period, while the contract is still valid, which is equivalent to 'last insurance' for insurance; the free insurance expense is the remaining insurance expense of each period of main insurance or long-term additional insurance contract.

Because the payment time limit of each dangerous seed is inconsistent, the payment time limit of the main insurance needs to be determined first, and the subsequent calculation of the insurance product free fee is convenient.

Step S302, comparing the appointed time limit of each product in the product combination, taking the product with the same appointed time limit as the first product and the product with different appointed time limit as the second product.

Selecting a product which is consistent with the appointed time limit of the main product in the product combination as a first product, selecting a product which is inconsistent with the appointed time limit of the main product as a second product, wherein the first product and the second product are additional products; specifically, there are multiple risk types in the risk type combination, the payment period of each risk type is compared, the long-term additional risk types which are the same as the main risk payment period are screened out, a first additional list is generated, the long-term additional risk types which are different from the main risk payment period are screened out, and a second additional list is generated.

According to the embodiment, the products consistent with the appointed time limit of the main product and the products inconsistent with the appointed time limit of the main product are screened and classified, so that subsequent layering calculation is facilitated.

Step S202, determining that there is a product reaching the contracted period in the preset period, and calculating a first total expenditure of the product not reaching the contracted period and a second total expenditure of the product reaching the contracted period respectively.

In this embodiment, the preset period is a statistical caliber, that is, all products are calculated and demonstrated in a certain period; for insurance products, the judgment can be performed according to the number of insurance years, namely, the preset period is one year, specifically, whether products reaching the appointed period exist in each year in the appointed period of the main product is judged, if not, the exemption expenditure of the product combination is not required to be recalculated, and if so, the exemption expenditure of the product combination is required to be calculated in a layering mode.

The re-hierarchical calculation refers to calculating a product that does not reach the contracted term as a class, and calculating a product that reaches the contracted term as a class, that is, calculating a class.

In this embodiment, the steps of determining that there is a product reaching the contracted period within the preset period, and calculating the first total expense of the product not reaching the contracted period and the second total expense of the product reaching the contracted period respectively are specifically as follows:

Step S401, determining that there is a second product that reaches the contracted term.

The additional product depends on the existence of the main product, and after the appointed time period of the main product is full, the additional product cannot exist alone, so that only a second product which is different from the appointed time period of the main product is needed to be determined, and the calculation efficiency can be improved.

In step S402, a third payout of the second product reaching the contracted term is calculated, and a main payout of the main product, a first payout of the first product, and a second payout of the second product not reaching the contracted term are calculated, respectively.

In this embodiment, the main payout is the sum of annual premium for the main insurance, the first payout is the sum of annual premium for the additional insurance that is the same as the contracted period of the main insurance, the second payout is the sum of annual premium for the additional insurance that is different from the contracted period of the main insurance and does not reach the contracted period, and the third payout is the sum of annual premium for the additional insurance that is different from the contracted period of the main insurance and reaches the contracted period.

Specifically, the ratio of each product in the product combination is obtained, and the main expense of the main product, the first expense of the first product, the second expense of the second product which does not reach the appointed time period, and the third expense of the second product which reaches the appointed time period are respectively calculated according to the ratio.

The rate is the unit rate per product, i.e., per hazard, which refers to the criteria that the insurer charges the insurer for a unit amount of insurance. The unit rate is provided by the fine calculation, and the annual premium for each product is calculated according to the unit rate provided by the fine calculation and the annual premium calculation formula.

Step S403, summing the main payout, the first payout and the second payout to obtain a first total payout, and taking the third payout as the second total payout.

Specifically, the first total payout is the sum of annual premium rates for products that do not reach the contracted term, and the second total payout is the sum of annual premium rates for products that reach the contracted term.

In the embodiment, the products reaching the appointed time limit and the products not reaching the appointed time limit in the product combination are classified, so that layered calculation is realized, and the accuracy of calculation is improved.

Step S203, obtaining the contracted mode of the product combination from the product information, calculating the exemption expenditure based on the contracted mode according to the first total expenditure and/or the second total expenditure, and demonstrating the exemption expenditure.

In this embodiment, the contract mode is a payment mode, and may be obtained from product information; the contract mode is one of annual fee paying or monthly fee paying, and the exemption expenditure of the product combination is different under different contract modes. It should be understood that the exemption expenditure is an exemption expenditure for a combination of products within a preset period.

In this embodiment, the exemption expenditure is exemption risk expenditure, and the exemption risk expenditure has the function of avoiding expenditure in the final period of the product when the product reaching the appointed period exists. For example, the additional risk is paid for 5 years, namely 60 months, if the additional risk is paid for a month, the actual guarantee range of the additional risk is one period less than the payment period, namely 59 months, if the additional risk is paid for a year, the actual guarantee range of the additional risk is one period less than the payment period, namely 4 years, and the like.

The demonstration is to show the exemption danger cost of each year in the appointed period of the main product to the user, so that the user can see how much premium is paid by the exemption danger of each year. Specifically, the demonstration can be to show the risk-free fee to the user through a demonstration chart, wherein the demonstration chart is a benefit demonstration chart or a benefit demonstration table; for example, the line graph or the bar graph and the like can be adopted to display the exempt risk fees, so that a user can clearly and intuitively see the specific annually exempt risk fees, and meanwhile, the trend of the exempt risk fees within the stipulated period of the main product can be seen.

In this embodiment, the steps of calculating the exemption expenditure based on the contract mode according to the first total expenditure and/or the second total expenditure, and demonstrating the exemption expenditure are specifically as follows:

In step S501, when the contract mode is the first contract mode, the exemption expenditure is calculated according to the first total expenditure.

Specifically, the first contract mode is a annual fee paying mode, and the exemption expenditure of the product reaching the contract period is free from expenditure of the last period, namely, fee paying of the product reaching the contract period in the last year is avoided.

For example, assuming that there are a product a, a product B, a product C, and a product D in the product combination, the product a is a main product, the contract period is 5 years, the product B is a first product with the same contract period as the product a, the product C and the product D are second products with different contract periods as the product a, the contract period is 1 year and 3 years respectively, when the first year judges whether the second product reaches the contract period, there is a product C reaching the contract period, and it is necessary to calculate the exemption expenditure again in layers.

Calculating the expenditure of the product A, the product B, the product C and the product D in the first year, namely annual premium in the first year, summing the annual premium of the product A, the annual premium of the product B and the annual premium of the product D to obtain an annual premium sum X, wherein the annual premium of the product C is Y, and the expenditure of the final period is avoided due to the exemption expenditure of the product reaching the appointed time, wherein a is the exemption premium, and the exemption expenditure adopts the following calculation formula:

Exemption expenditure = exemption recalculation premium/unit premium × unit rate.

The unit premium is to divide the total premium of the insurance product into preset parts, and each part needs to be paid; the unit premium and unit rate may be provided by a fine calculation.

Step S502, when the contract mode is the second contract mode, calculating a third total expense according to the first total expense and the second total expense, and calculating an exemption expense according to the third total expense.

In this embodiment, the second contract mode is a monthly contract mode, and it should be understood that the first total expense is the sum of annual contract insurance costs of products not reaching the contract term, the second total expense is the sum of annual contract insurance costs of products reaching the contract term, and when calculating the third total expense, the first total expense and the second total expense need to be converted according to a preset rule to obtain the third total expense, and the third total expense is the exemption recalculation insurance cost in the monthly contract mode.

The conversion is performed according to a preset rule, specifically, the following formula is adopted for conversion:

exemption recalculation premium = round ((round ((x+y) 0.09,2) 11, 2) +round (X0.09,2));

wherein X is a first total payout, Y is a second total payout, and round (A, 2) represents rounding A.

The exemption expenditure is calculated according to the following formula:

For example, assuming that there are a product a, a product B, and a product C in the product combination, the product a is a main product, the contract period is 60 months in 5 years, the product B is a first product with the same contract period as the product a, the product C is a second product with different contract periods as the product a, the contract periods are respectively 12 months in 1 year, and when the product C reaches the contract period at the first year, the exemption expenditure needs to be calculated in a layered manner again.

The annual premium of product a is calculated as a, the annual premium of product B is calculated as B, and the annual premium of product C is calculated as C, it being understood that annual premium is a premium of 12 months a year, but only 11 months premium is calculated for expired product C, i.e., product a, product B and product C all need to calculate premium for the first 11 months, to 12 months, only premium for product a and product B is calculated as follows:

X＝a+b；

Y＝c；

exemption recalculation premium = round ((round ((x+y) 0.09,2) 11, 2) +round (X0.09,2)) =round ((a+b+c) 0.09,2) 11, 2) +round ((a+b) 0.09,2));

finally, exemption expenditure = exemption recalculation premium/unit premium × unit rate.

Step S503, demonstrating the exemption expenditure in the preset period of each product in the appointed period of the main product.

Specifically, assuming that the appointed period of the main product is N years, the exemption expenditure of all the products in 1-N years is calculated respectively, and all the exemption expenditure is summarized for demonstration.

According to the embodiment, the exemption expenditure of the product combination is calculated according to the appointed mode, and the calculation accuracy can be further improved.

According to the method and the device, according to different appointed time periods of the products in the product combination, the expenditure of the product which does not reach the appointed time period and the expenditure of the product which reaches the appointed time period are calculated respectively, layered calculation of the products with different appointed time periods of the product combination can be achieved, meanwhile, the accuracy of calculation is improved, the expenditure avoidance is demonstrated, and the user can select the most suitable product combination by combining the bearing capacity of the user.

In some alternative implementations of the present embodiment, before step 202, the following steps are further included:

judging whether a product reaching a stipulated period exists in a preset period or not;

If yes, go to step S202.

In the embodiment, whether the product reaching the appointed period exists in the preset period is judged, so that the next operation is performed according to the judgment result, and the accuracy of layered recalculation can be ensured.

The subject application is operational with numerous general purpose or special purpose computer system environments or configurations. For example: personal computers, server computers, hand-held or portable devices, tablet devices, multiprocessor systems, microprocessor-based systems, set top boxes, programmable consumer electronics, network PCs, minicomputers, mainframe computers, distributed computing environments that include any of the above systems or devices, and the like. The application may be described in the general context of computer-executable instructions, such as program modules, being executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform particular tasks or implement particular abstract data types. The application may also be practiced in distributed computing environments where tasks are performed by remote processing devices that are linked through a communications network. In a distributed computing environment, program modules may be located in both local and remote computer storage media including memory storage devices.

Those skilled in the art will appreciate that implementing all or part of the above described methods may be accomplished by computer readable instructions stored in a computer readable storage medium that, when executed, may comprise the steps of the embodiments of the methods described above. The storage medium may be a nonvolatile storage medium such as a magnetic disk, an optical disk, a Read-Only Memory (ROM), or a random access Memory (Random Access Memory, RAM).

It should be understood that, although the steps in the flowcharts of the figures are shown in order as indicated by the arrows, these steps are not necessarily performed in order as indicated by the arrows. The steps are not strictly limited in order and may be performed in other orders, unless explicitly stated herein. Moreover, at least some of the steps in the flowcharts of the figures may include a plurality of sub-steps or stages that are not necessarily performed at the same time, but may be performed at different times, the order of their execution not necessarily being sequential, but may be performed in turn or alternately with other steps or at least a portion of the other steps or stages.

With further reference to fig. 6, as an implementation of the method shown in fig. 2, the present application provides an embodiment of a hierarchical recalculation presentation apparatus, where an embodiment of the apparatus corresponds to the embodiment of the method shown in fig. 2, and the apparatus may be specifically applied to various electronic devices.

As shown in fig. 6, the hierarchical recalculation presentation apparatus 600 according to the present embodiment includes: an acquisition module 601, a calculation module 602, and a presentation module 603. Wherein:

the acquiring module 601 is configured to acquire all products in the product combination, and determine a contracted term of each product according to the product information;

the calculating module 602 is configured to determine that there is a product reaching the contracted term within the preset period, and calculate a first total expenditure of the product not reaching the contracted term and a second total expenditure of the product reaching the contracted term, respectively;

the demonstration module 603 is configured to obtain a contracted mode of the product combination from the product information, calculate an exemption expenditure based on the contracted mode according to the first total expenditure and/or the second total expenditure, and demonstrate the exemption expenditure.

According to the layered recalculation demonstration device, according to different appointed time periods of the products in the product combination, the product which does not reach the appointed time period and the expenditure which reaches the appointed time period are calculated respectively, layered calculation of the product which does not reach the appointed time period can be achieved, meanwhile, the calculation accuracy is improved, the exemption expenditure is demonstrated, and the user can select the most suitable product combination by combining the self bearing capacity.

In this embodiment, the acquisition module 601 includes: the determining submodule is used for determining the appointed term of the main product in the product combination according to the product information; the screening sub-module is used for comparing the appointed time limit of each product in the product combination, taking the product with the same appointed time limit as a first product and the product with different appointed time limit as a second product.

In some alternative implementations of the present embodiment, the computing module 602 is further configured to:

In this embodiment, the computing module 602 includes: an acquisition unit and a calculation unit, wherein the acquisition unit is used for acquiring the ratio of each product in the product combination; the calculating unit is used for calculating the main expenditure of the main product, the first expenditure of the first product, the second expenditure of the second product which does not reach the appointed time limit and the third expenditure of the second product which reaches the appointed time limit according to the ratio respectively.

In this embodiment, the demonstration module 603 includes a calculation sub-module and a demonstration sub-module, where the calculation sub-module is configured to calculate the exempt expenditure according to the first total expenditure when the contract mode is a first contract mode, calculate the third total expenditure according to the first total expenditure and the second total expenditure when the contract mode is a second contract mode, and calculate the exempt expenditure according to the third total expenditure; the demonstration sub-module is used for demonstrating the exemption expenditure of each product in the preset period within the appointed period of the main product.

In this embodiment, the calculating submodule includes a converting unit, where the converting unit is configured to convert the first total expense and the second total expense according to a preset rule to obtain a third total expense.

In some optional implementations of the present embodiment, the hierarchical recalculation presentation apparatus 600 further includes a determination module configured to:

In order to solve the technical problems, the embodiment of the application also provides computer equipment. Referring specifically to fig. 7, fig. 7 is a basic structural block diagram of a computer device according to the present embodiment.

The computer device 7 comprises a memory 71, a processor 72, a network interface 73 communicatively connected to each other via a system bus. It should be noted that only computer device 7 having components 71-73 is shown in the figures, but it should be understood that not all of the illustrated components are required to be implemented and that more or fewer components may be implemented instead. It will be appreciated by those skilled in the art that the computer device herein is a device capable of automatically performing numerical calculations and/or information processing in accordance with predetermined or stored instructions, the hardware of which includes, but is not limited to, microprocessors, application specific integrated circuits (Application Specific Integrated Circuit, ASICs), programmable gate arrays (fields-Programmable Gate Array, FPGAs), digital processors (Digital Signal Processor, DSPs), embedded devices, etc.

The computer equipment can be a desktop computer, a notebook computer, a palm computer, a cloud server and other computing equipment. The computer equipment can perform man-machine interaction with a user through a keyboard, a mouse, a remote controller, a touch pad or voice control equipment and the like.

The memory 71 includes at least one type of readable storage medium including flash memory, hard disk, multimedia card, card memory (e.g., SD or DX memory, etc.), random Access Memory (RAM), static Random Access Memory (SRAM), read Only Memory (ROM), electrically Erasable Programmable Read Only Memory (EEPROM), programmable Read Only Memory (PROM), magnetic memory, magnetic disk, optical disk, etc. In some embodiments, the storage 71 may be an internal storage unit of the computer device 7, such as a hard disk or a memory of the computer device 7. In other embodiments, the memory 71 may also be an external storage device of the computer device 7, such as a plug-in hard disk, a Smart Media Card (SMC), a Secure Digital (SD) Card, a Flash Card (Flash Card) or the like, which are provided on the computer device 7. Of course, the memory 71 may also comprise both an internal memory unit of the computer device 7 and an external memory device. In this embodiment, the memory 71 is typically used to store an operating system and various application software installed on the computer device 6, such as computer readable instructions of a hierarchical recalculation presentation method. Further, the memory 71 may be used to temporarily store various types of data that have been output or are to be output.

The processor 72 may be a central processing unit (Central Processing Unit, CPU), controller, microcontroller, microprocessor, or other data processing chip in some embodiments. The processor 72 is typically used to control the overall operation of the computer device 7. In this embodiment, the processor 72 is configured to execute computer readable instructions stored in the memory 71 or process data, such as computer readable instructions for executing the hierarchical recalculation presentation method.

The network interface 73 may comprise a wireless network interface or a wired network interface, which network interface 73 is typically used for establishing a communication connection between the computer device 7 and other electronic devices.

According to the method, when the processor executes the computer readable instructions stored in the memory, the steps of the hierarchical recalculation demonstration method according to the embodiment are realized, according to different appointed time periods of products in the product combination, the expenditure of the product which does not reach the appointed time period and the expenditure of the product which reaches the appointed time period are calculated respectively, so that the hierarchical calculation of the products which do not reach the appointed time period in the product combination can be realized, meanwhile, the calculation accuracy is improved, the exemption expenditure is demonstrated, and the user can select the most suitable product combination by combining the self bearing capacity.

The application further provides another embodiment, namely, a computer readable storage medium is provided, the computer readable storage medium stores computer readable instructions, the computer readable instructions can be executed by at least one processor, so that the at least one processor executes the steps of the hierarchical recalculation demonstration method, according to different appointed terms of products in the product combination, the calculation of the spending of the product which does not reach the appointed term and the product which reaches the appointed term is respectively carried out, the hierarchical calculation of the product which reaches the different appointed term can be realized, meanwhile, the calculation accuracy is improved, the exemption spending is demonstrated, and the user is helped to select the most suitable product combination by combining the self bearing capacity.

From the above description of the embodiments, it will be clear to those skilled in the art that the above-described embodiment method may be implemented by means of software plus a necessary general hardware platform, but of course may also be implemented by means of hardware, but in many cases the former is a preferred embodiment. Based on such understanding, the technical solution of the present application may be embodied essentially or in a part contributing to the prior art in the form of a software product stored in a storage medium (such as ROM/RAM, magnetic disk, optical disk), comprising several instructions for causing a terminal device (which may be a mobile phone, a computer, a server, an air conditioner, or a network device, etc.) to perform the method described in the embodiments of the present application.

It is apparent that the embodiments described above are only some embodiments of the present application, but not all embodiments, the preferred embodiments of the present application are given in the drawings, but not limiting the patent scope of the present application. This application may be embodied in many different forms, but rather, embodiments are provided in order to provide a more thorough understanding of the present disclosure. Although the present application has been described in detail with reference to the foregoing embodiments, it will be apparent to those skilled in the art that modifications may be made to the embodiments described in the foregoing, or equivalents may be substituted for elements thereof. All equivalent structures made by the specification and the drawings of the application are directly or indirectly applied to other related technical fields, and are also within the protection scope of the application.

Claims

1. The layered recalculation demonstration method is characterized by being executed by a server and a terminal and comprising the following steps of:

acquiring all products in a product combination, and determining a contracted term of each product according to product information, wherein the product combination comprises a main product and an additional product, and the additional product is attached to the main product; the product information comprises appointed time limit, paying mode, dangerous type and insurance rate, and is stored in a node of a block chain;

acquiring a contract mode of the product combination from the product information, calculating an exemption expenditure based on the contract mode according to the first total expenditure and/or the second total expenditure, and demonstrating the exemption expenditure, wherein the demonstrating is that the exemption expenditure of each year in the contract period of the main product is demonstrated to a user through a demonstrating chart, the demonstrating chart is a benefit demonstrating chart or a benefit demonstrating table, and the benefit demonstrating chart adopts a line graph or a column graph;

the step of determining the contracted term of each product according to the product information includes:

comparing the appointed time limit of each product in the product combination, taking the product with the same appointed time limit as a first product and the product with different appointed time limit as a second product;

the step of determining that there is a product reaching the contracted period within the preset period, and calculating a first total expenditure of the product not reaching the contracted period and a second total expenditure of the product reaching the contracted period respectively includes:

summing the primary outcome, the first payout and the second payout to obtain the first total payout, and taking the third payout as the second total payout;

the step of calculating the third expense of the second product reaching the contracted term and calculating the main expense of the main product, the first expense of the first product and the second expense of the second product not reaching the contracted term respectively comprises the following steps:

acquiring the ratio of each product in the product combination, and respectively calculating the main expenditure of the main product, the first expenditure of the first product, the second expenditure of the second product which does not reach the appointed time limit and the third expenditure of the second product which reaches the appointed time limit according to the ratio;

the step of obtaining the contracted mode of the product combination from the product information, calculating the exemption expenditure based on the contracted mode according to the first total expenditure and/or the second total expenditure, and demonstrating the exemption expenditure comprises the following steps:

demonstrating the exemption expenditure of each product in the preset period within the appointed period of the main product;

the step of calculating a third total payout according to the first total payout and the second total payout includes:

converting the first total expenditure and the second total expenditure according to a preset rule to obtain a third total expenditure;

before the step of determining that there is a product that reaches the contracted period in the preset period, further comprising:

2. The utility model provides a layering recalculation presentation device which characterized in that, layering recalculation presentation device sets up in server and terminal equipment, includes:

the system comprises an acquisition module, a storage module and a storage module, wherein the acquisition module is used for acquiring all products in a product combination and determining the appointed time limit of each product according to product information, the product combination comprises a main product and an additional product, and the additional product is attached to the main product; the product information comprises appointed time limit, paying mode, dangerous type and insurance rate, and is stored in a node of a block chain;

the demonstration module is used for acquiring a contract mode of the product combination from the product information, calculating exemption expenditure based on the contract mode according to the first total expenditure and/or the second total expenditure, and demonstrating the exemption expenditure, wherein the demonstration is that the exemption expenditure of each year in the contract period of the main product is demonstrated to a user through a demonstration chart, the demonstration chart is a benefit demonstration chart or a benefit demonstration table, and the benefit demonstration chart adopts a line graph or a column graph;

The acquisition module comprises: determining a sub-module and a screening sub-module;

the determining submodule is used for determining the appointed term of the main product in the product combination according to the product information;

the screening sub-module is used for comparing the appointed time limit of each product in the product combination, taking the product with the same appointed time limit as a first product and the product with different appointed time limit as a second product;

the computing module is further to:

the computing module comprises an acquisition unit and a computing unit:

an acquisition unit for acquiring a ratio of each product in the product combination;

the calculating unit is used for calculating the main expenditure of the main product, the first expenditure of the first product, the second expenditure of the second product which does not reach the appointed time limit and the third expenditure of the second product which reaches the appointed time limit according to the ratio respectively;

The demonstration module comprises a calculation sub-module and a demonstration sub-module:

the calculation submodule is used for calculating the exemption expenditure according to the first total expenditure when the contract mode is a first contract mode, calculating a third total expenditure according to the first total expenditure and the second total expenditure when the contract mode is a second contract mode, and calculating the exemption expenditure according to the third total expenditure;

the demonstration sub-module is used for demonstrating the exemption expenditure of each product in the preset period within the appointed period of the main product;

the calculation sub-module further comprises a conversion unit, wherein the conversion unit is used for converting the first total expenditure and the second total expenditure according to a preset rule to obtain a third total expenditure;

the layered recalculation demonstration device further comprises a judging module, wherein the judging module is used for:

3. A computer device comprising a memory having stored therein computer readable instructions which when executed by a processor implement the steps of the hierarchical recalculation presentation method as claimed in claim 1.

4. A computer readable storage medium having stored thereon computer readable instructions which when executed by a processor implement the steps of the hierarchical recalculation presentation method as claimed in claim 1.