CN113610650B

CN113610650B - Method and device for generating insurance scheme

Info

Publication number: CN113610650B
Application number: CN202110942107.8A
Authority: CN
Inventors: 刘卫华
Original assignee: Taikang Life Insurance Co ltd; Taikang Insurance Group Co Ltd
Current assignee: Taikang Life Insurance Co ltd; Taikang Insurance Group Co Ltd
Priority date: 2021-08-17
Filing date: 2021-08-17
Publication date: 2024-01-26
Anticipated expiration: 2041-08-17
Also published as: CN113610650A

Abstract

The invention discloses a method and a device for generating an application scheme, and relates to the technical field of computers. One embodiment of the method comprises the following steps: responsive to a first operation by a user, obtaining responsibility classification data associated with the first operation from a database, displaying the responsibility classification data to a user interface; receiving operation data formed by a second operation of a user, and generating guarantee plan information according to the operation data; wherein the second operation includes an operation on the responsibility item and an operation on a responsibility element corresponding to the responsibility item; invoking a pre-constructed quotation engine to enable the quotation engine to match a quotation model meeting self-insurance conditions from the pre-configured quotation model according to the guarantee plan information, and inputting the guarantee plan information into the matched quotation model to obtain a quotation result; writing the quotation result into a preset insuring scheme template, generating an insuring scheme and outputting the insuring scheme. The implementation mode realizes flexible customization of the application scheme, and has high single-effect rate.

Description

Method and device for generating insurance scheme

Technical Field

The present invention relates to the field of computer technologies, and in particular, to a method and an apparatus for generating an application scheme.

Background

At present, when a business operator opens a service, a plurality of insurance policy combinations formulated by a record company are needed, part of insurance policy combinations are selected to form insurance products according to the insurance request of a customer and are provided for the customer, and then the customer is repeatedly communicated with the customer, and finally, after the agreed quotation is achieved, the insurance products are recorded into a system to make a policy.

In the process of realizing the invention, the prior art has at least the following problems:

the salesman may not memorize all policy combinations and offers, and needs repeated price inquiry and communication, and cannot meet the requirement of the timeliness of the underwriting, so that the labor cost is high; meanwhile, the service personnel can only provide the client with the appointed policy combination, and the policy combination cannot be flexibly customized.

Disclosure of Invention

In view of the above, the embodiment of the invention provides a method and a device for generating an application scheme, the method selects collocation responsibility items according to user operation, uses responsibility elements to limit the responsibility items, and can calculate a quotation result according to the selection of a user by calling a quotation engine later so as to automatically generate the application scheme, thereby realizing flexible customization of the application scheme, avoiding manual memory of policy combination and having high single efficiency.

To achieve the above object, according to an aspect of an embodiment of the present invention, there is provided a method of generating an application program.

The method for generating the application scheme comprises the following steps: responsive to a first operation by a user, obtaining responsibility classification data associated with the first operation from a database, and displaying the responsibility classification data to a user interface; wherein the responsibility classification data comprises at least one responsibility item and a responsibility element corresponding to the responsibility item; receiving operation data formed by a second operation of the user, and generating guarantee plan information according to the operation data; wherein the second operation includes an operation on the responsibility item and an operation on a responsibility element corresponding to the responsibility item; invoking a pre-constructed quotation engine to enable the quotation engine to match a quotation model meeting self-insurance conditions from the pre-configured quotation model according to the guarantee plan information, and inputting the guarantee plan information into the matched quotation model to obtain a quotation result; writing the quotation result into a preset insuring scheme template, generating an insuring scheme and outputting the insuring scheme.

Optionally, the quotation model includes an application condition corresponding to the responsibility item, where the application condition is used to limit a value range of the responsibility element corresponding to the responsibility item; and matching the quotation model meeting the self-insurance conditions from the preconfigured quotation model according to the insurance plan information, wherein the matching comprises the following steps: screening quotation models with the same responsibility codes from preconfigured quotation models to serve as candidate quotation models according to responsibility codes of responsibility items carried in the guarantee plan information; and determining that the element value of at least one responsibility element carried in the guarantee plan information is in the value range of the same responsibility element of the candidate quotation model, and taking the candidate quotation model as a matched quotation model.

Optionally, the quotation engine is an Aviator expression engine; the method further comprises the steps of: converting the insuring condition corresponding to the responsibility item into a first Aviator expression; the first Aviator expression is used for judging whether the element value of the responsibility element carried in the guarantee plan information meets the guarantee condition; converting the initial suggested rate set for the responsibility item into a second Aviator expression to complete the configuration of the Aviator expression engine; the second Aviator expression is used for calculating a suggested rate according to the judging result of the first Aviator expression and the initial suggested rate.

Optionally, the responsibility element includes a guard; the step of inputting the guarantee plan information into the matched quotation model to obtain a quotation result comprises the following steps: replacing the variable parameters of the first Aviator expression by using the element values of the responsibility elements carried in the guarantee plan information to obtain the judging result; and executing the second expression to obtain the final suggested rate, and then calculating a quotation result according to the suggested rate and the guard.

Optionally, the method further comprises: classifying the insurance enterprises according to the historical payment information to obtain enterprise classification data; determining a rate adjustment coefficient according to enterprise grading data of the current insuring enterprise; multiplying the set basic suggested rate by the rate adjustment coefficient to obtain the initial suggested rate.

Optionally, the generating the guarantee plan information according to the operation data includes: judging whether a necessary responsibility item exists in at least one responsibility item corresponding to the second operation according to the attribute information of the responsibility item; if the necessary responsibility items exist in at least one responsibility item corresponding to the second operation, combining the at least one responsibility item corresponding to the second operation and responsibility elements corresponding to the responsibility items into the guarantee plan information; and if at least one responsibility item corresponding to the second operation does not have the necessary responsibility item, outputting prompt information that the responsibility item combination is unreasonable.

Optionally, before the step of calculating the quotation result according to the suggested rate and the guard, the method further comprises: the calculation steps are as follows: calculating rate floating deviation according to the suggested rate and the set authorized rate; comparing: comparing the rate floating deviation with a set deviation interval, determining that the rate floating deviation is positioned outside the deviation interval, and executing an approval process; an adjustment step: and if the approval is not passed, adjusting the recommended rate, and re-executing the calculating step, the comparing step and the adjusting step until the approval is passed.

In order to achieve the above object, according to another aspect of the embodiments of the present invention, there is provided a generating apparatus of an application program.

The device for generating the insuring scheme of the embodiment of the invention comprises the following components: the system comprises an acquisition display module, a user interface and a control module, wherein the acquisition display module is used for responding to a first operation of a user, acquiring responsibility classification data associated with the first operation from a database and displaying the responsibility classification data to the user interface; wherein the responsibility classification data comprises at least one responsibility item and a responsibility element corresponding to the responsibility item; the receiving and generating module is used for receiving operation data formed by the second operation of the user and generating guarantee plan information according to the operation data; wherein the second operation includes an operation on the responsibility item and an operation on a responsibility element corresponding to the responsibility item; the matching calculation module is used for calling a pre-built quotation engine so that the quotation engine can match a quotation model meeting self-insurance conditions from the pre-configured quotation models according to the guarantee plan information, and the guarantee plan information is input into the matched quotation model to obtain a quotation result; the scheme generating module is used for writing the quotation result into a preset insuring scheme template, generating an insuring scheme and outputting the insuring scheme.

Optionally, the quotation model includes an application condition corresponding to the responsibility item, where the application condition is used to limit a value range of the responsibility element corresponding to the responsibility item; the matching calculation module is further used for screening quotation models with the same responsibility codes from preconfigured quotation models to serve as candidate quotation models according to the responsibility codes of the responsibility items carried in the guarantee plan information; and determining that the element value of at least one responsibility element carried in the guarantee plan information is in the value range of the same responsibility element of the candidate quotation model, and taking the candidate quotation model as a matched quotation model.

Optionally, the quotation engine is an Aviator expression engine; the apparatus further comprises: the engine configuration module is used for converting the application conditions corresponding to the responsibility items into a first Aviator expression; the first Aviator expression is used for judging whether the element value of the responsibility element carried in the guarantee plan information meets the guarantee condition; converting the initial suggested rate set for the responsibility item into a second Aviator expression to complete the configuration of the Aviator expression engine; the second Aviator expression is used for calculating a suggested rate according to the judging result of the first Aviator expression and the initial suggested rate.

Optionally, the responsibility element includes a guard; the matching calculation module is further configured to replace a variable parameter of the first Aviator expression by using an element value of a responsibility element carried in the guarantee plan information to obtain the judgment result; and executing the second expression to obtain the final suggested rate, and then calculating a quotation result according to the suggested rate and the guard.

Optionally, the apparatus further comprises: the difference pricing module is used for grading the insurance enterprises according to the historical payment information to obtain enterprise grading data; determining a rate adjustment coefficient according to enterprise grading data of the current insuring enterprise; multiplying the set basic suggested rate by the rate adjustment coefficient to obtain the initial suggested rate.

Optionally, the receiving and generating module is further configured to determine, according to attribute information of the responsibility items, whether an obligatory responsibility item exists in at least one responsibility item corresponding to the second operation; if the necessary responsibility items exist in at least one responsibility item corresponding to the second operation, combining the at least one responsibility item corresponding to the second operation and responsibility elements corresponding to the responsibility items into the guarantee plan information; and if at least one responsibility item corresponding to the second operation does not have the necessary responsibility item, outputting prompt information that the responsibility item combination is unreasonable.

Optionally, the apparatus further comprises: the approval module comprises the following calculation steps: calculating rate floating deviation according to the suggested rate and the set authorized rate; comparing: comparing the rate floating deviation with a set deviation interval, determining that the rate floating deviation is positioned outside the deviation interval, and executing an approval process; an adjustment step: and if the approval is not passed, adjusting the recommended rate, and re-executing the calculating step, the comparing step and the adjusting step until the approval is passed.

To achieve the above object, according to still another aspect of the embodiments of the present invention, there is provided an electronic device.

An electronic device according to an embodiment of the present invention includes: one or more processors; and the storage device is used for storing one or more programs, and when the one or more programs are executed by the one or more processors, the one or more processors are enabled to realize the generation method of the application scheme.

To achieve the above object, according to still another aspect of the embodiments of the present invention, there is provided a computer-readable medium.

A computer readable medium of an embodiment of the present invention has stored thereon a computer program which, when executed by a processor, implements a method of generating an application program of an embodiment of the present invention.

One embodiment of the above invention has the following advantages or benefits: according to user operation, the collocation responsibility items are selected, responsibility items are limited by using responsibility elements, and then the quotation result can be calculated according to the selection of the user by calling a quotation engine, so that the application scheme is automatically generated, flexible customization of the application scheme is realized, no manual memory of policy combination is needed, and the single-effect rate is high.

Further effects of the above-described non-conventional alternatives are described below in connection with the embodiments.

Drawings

The drawings are included to provide a better understanding of the invention and are not to be construed as unduly limiting the invention. Wherein:

FIG. 1 is a schematic diagram of the main steps of a method of generating an application program according to an embodiment of the present invention;

FIG. 2 is a schematic flow diagram of a method of generating an application program according to an embodiment of the invention;

FIG. 3 is a schematic diagram of the construction of responsibility classification data in the method of generating an application program according to an embodiment of the present invention;

FIG. 4 is a schematic diagram of determining suggested rates in a method of generating an insurance scheme in accordance with an embodiment of the present invention;

FIG. 5 is a schematic diagram of a store call process of a quotation engine in a method of generating an application proposal according to an embodiment of the invention;

FIG. 6 is a schematic diagram of the main modules of a generating device of an application program according to an embodiment of the present invention;

FIG. 7 is an exemplary system architecture diagram in which embodiments of the present invention may be applied;

fig. 8 is a schematic structural diagram of a computer device suitable for use in an electronic apparatus to implement an embodiment of the present invention.

Detailed Description

Exemplary embodiments of the present invention will now be described with reference to the accompanying drawings, in which various details of the embodiments of the present invention are included to facilitate understanding, and are to be considered merely exemplary. Accordingly, those of ordinary skill in the art will recognize that various changes and modifications of the embodiments described herein can be made without departing from the scope and spirit of the invention. Also, descriptions of well-known functions and constructions are omitted in the following description for clarity and conciseness.

Terms related to embodiments of the present invention are explained below.

Rate: refers to the rate at which the fee is paid. Such as the rate of the insurance industry, refers to the ratio of the amount of the fee paid by the applicant to the insurer to the amount of reimbursement charged by the insurer. To reduce the number of decimal points, a premium is typically contracted for a thousand-yuan premium.

Premium: refers to the amount of money the applicant delivers to the insurer.

The amount of the deposit: meaning that the insurer bears the reimbursement amount.

FIG. 1 is a schematic diagram of the main steps of a method of generating an application program according to an embodiment of the present invention. As shown in fig. 1, the method for generating an application scheme according to the embodiment of the present invention mainly includes the following steps:

step S101: responsive to a first operation by a user, responsibility classification data associated with the first operation is obtained from a database and displayed to a user interface. The user performs a first operation on a user interface of the client, and the client sends operation data corresponding to the first operation to the server. After receiving the operation data corresponding to the first operation, the server acquires responsibility classification data associated with the first operation from the database and displays the responsibility classification data. Wherein the first operation may be a click operation on a specified function item in the user interface, and the specified function item may be a function item for automatic pricing.

The operation data of the first operation comprises a functional item operated by a user, and the service side acquires responsibility classification data related to the functional item from a database. The responsibility classification data is obtained by classifying according to specific responsibility items in the insurance clauses, and comprises at least one responsibility item and responsibility elements corresponding to the responsibility items. In an embodiment, the responsibility items are the responsibilities that the insurer should take, such as medical delivery class responsibilities, body class responsibilities, accidental disability responsibilities, casualties, etc. The responsibility elements are used to describe responsibility items such as responsibility codes, responsibility names, insurance amounts, etc.

Step S102: and receiving operation data formed by the second operation of the user, and generating the guarantee plan information according to the operation data. And the user performs a second operation on the user interface according to the client's application wish and the client's own information. The second operation includes an operation of an item of responsibility and an operation of an element of responsibility corresponding to the item of responsibility, for selecting the item of responsibility and setting an element value of the element of responsibility selected by the item of responsibility.

In the embodiment, the operation on the responsibility item may be a selection operation on the responsibility item, and the operation on the responsibility element corresponding to the responsibility item refers to an operation of setting an element value of the responsibility element, such as a selection operation, an input operation, and the like. The operation data corresponding to the second operation comprises the selected responsibility item and the element value of the corresponding responsibility element, and after the service end receives the operation data corresponding to the second operation, the operation data can be analyzed to generate the guarantee plan information. The security plan information includes the selected responsibility items and the element values of the corresponding responsibility elements.

Step S103: and calling a pre-constructed quotation engine to enable the quotation engine to match a quotation model meeting self-insuring conditions from the pre-configured quotation model according to the guarantee plan information, and inputting the guarantee plan information into the matched quotation model to obtain a quotation result. The quotation engine needs to be pre-constructed and used for pre-configuring a quotation model and matching the quotation model meeting the self-insurance condition from the pre-configured quotation model according to the insurance plan information.

The quotation model comprises the applied conditions and the initial suggested rates corresponding to the responsibility items, and the guarantee plan information is substituted into the quotation model to replace the variable parameters of the quotation plan model by using the real data, so that the final suggested rates are obtained. And carrying out mathematical operation on the insurance amount and the suggested rate in the responsibility elements to obtain the quotation result.

Step S104: writing the quotation result into a preset insuring scheme template, generating an insuring scheme and outputting the insuring scheme. The insuring scheme template can comprise the fields of responsibility items, premium, insurance amount, quotation results, customer information and the like, the responsibility items, the premium, the insurance amount, the quotation results and the like are written into the corresponding fields of the insuring scheme template, the supplementary customer information is collected, the quotation scheme is obtained, and the quotation scheme is displayed on a user interface and is convenient to check.

According to the method, a salesman can customize different combinations of responsibility items in an online quotation mode, set element values of responsibility elements for the responsibility items, and then calculate quotation results by calling a quotation engine to determine a final insurance scheme, so that the problems of low efficiency, human errors and the like of offline quotation are avoided, flexible customization of the insurance scheme is realized, manual memory of insurance policy combinations is not needed, customer quotation requirements can be responded quickly, and the ordering efficiency is high.

FIG. 2 is a main flow diagram of a method of generating an application program according to an embodiment of the present invention. As shown in fig. 2, the method for generating the application scheme according to the embodiment of the present invention mainly includes the following steps:

step S201: and receiving a first operation of a user, and calling a pre-constructed product engine to display responsibility classification data in response to the first operation. A user logs in the insurance quotation system through a client and clicks an automatic pricing function item of a quotation module in the insurance quotation system. After the client detects the clicking operation of the user, the client sends operation data to the server. The server invokes the product engine to obtain responsibility classification data associated with the automatic pricing function item from the database and displays it on the user interface. The user here may be a salesman.

In an embodiment, the product engine is constructed as follows: and according to the clear responsibility items in the insurance clauses, combing the responsibility elements of each responsibility item as influence factors of the quotation, storing the responsibility items and the responsibility elements corresponding to the responsibility items as responsibility classification data into a database, and providing the responsibility classification data for the user for selection. Each liability item corresponds to a row record of the database that maps the actual liability elements, such as liability codes, liability names, insurance amounts, premium, number of days to pay, proportion of payouts, amount to pay, liability attributes (e.g., whether optional, mandatory), a set of bound primary liability items for the liability item, etc.

Fig. 3 is a schematic diagram of the configuration of responsibility classification data in the generation method of the insuring scheme according to the embodiment of the present invention. As shown in fig. 3, the responsibility classification data includes at least one responsibility item and responsibility elements corresponding to each responsibility item. The responsibility items can be medical giving responsibility, body-attached responsibility, accident disability responsibility, statue responsibility, construction work insurance responsibility, travel insurance responsibility and the like. Taking medical care delivery type liability as an example, the liability factors may include whether to participate in social security, social security seal top line, pay proportion, no-claim amount, occupation class, application age, insurance amount, and number of applications.

Step S202: and receiving a second operation of the user, and generating the guarantee plan information in response to the second operation. And the user selects the responsibility items and sets the element values of the responsibility elements corresponding to the responsibility items according to the displayed responsibility classification data and the client information. After the client detects the responsibility item selection operation and the element value setting operation, the client sends corresponding operation data to the server. And the server generates the guarantee plan information according to the operation data. The security plan information includes the selected responsibility item and the element value set for the responsibility element of the responsibility item.

The step enables the user to quickly select the required responsibility items from the product engine for the client and set the element values, so that free combination of the responsibility items is realized. For example, for enterprise A, medical delivery liabilities (days free of claim 5 days, no social security) and body class liabilities may be selected; for enterprise B, medical care delivery liabilities (days free of claim 0, social security) and accidental disability liabilities may be selected.

For an insurance contract, if the attribute information of some liability items is optional, it cannot be independently underwritten, and can only be added depending on the fact that the obligation item has been selected for underwriting. Wherein the information value of the attribute information includes optional and necessary ones. Therefore, in a preferred embodiment, in order to ensure the rationality of the user combined responsibility items, when generating the security plan information, firstly judging whether the necessary responsibility items exist in at least one responsibility item corresponding to the second operation according to the attribute information of the responsibility items, and if the necessary responsibility items exist in at least one responsibility item corresponding to the second operation, combining the at least one responsibility item corresponding to the second operation and the responsibility elements corresponding to the responsibility items into the security plan information; and if at least one responsibility item corresponding to the second operation does not have the necessary responsibility item, outputting prompt information that the responsibility item combination is unreasonable.

In an alternative embodiment, a basic guarantee or an upgrade guarantee with high client application probability can be selected in advance according to the client industry characteristics, and selection is not needed when the scheme is used, so that the scheme generation efficiency is improved. The basic guarantee and the upgrading guarantee are one responsibility item or a combination of a plurality of responsibility items. For example, for the driver industry, three liability items of medical benefits (80% paid, 5 days free), vehicle driving insurance and statue can be used as basic guarantees. For students, two responsibility items of safety insurance and accidental disability of the students in middle and primary schools can be used as basic guarantee.

The upgrade security can be based on basic security, and other responsibility items, such as the disabled responsibility of vehicles, are added; the guarantee scope of basic guarantee can be expanded, for example, three responsibilities of medical benefits (100% of reimbursement, 0 days of reimbursement), vehicle driving insurance and stature are taken as upgrading guarantee.

Step S203: and calling the pre-constructed quotation engine to enable the quotation engine to match a quotation model meeting the self-insurance conditions from the pre-configured quotation models according to the insurance plan information. In an embodiment, the quotation engine may be implemented using an Aviator expression, or may be implemented using a Groovy. Among them, aviator is a high-performance, lightweight Java language implemented expression evaluation engine, which is mainly used for dynamic evaluation of various expressions. Groovy is a agile development language based on JVM (Java virtual machine).

Taking the example of an Aviator implementation of a quotation engine, the quotation engine may be referred to as an Aviator expression engine, the specific construction process is as follows: converting the insuring condition corresponding to the responsibility item into a first Aviator expression, converting the initial suggested rate set for the responsibility item into a second Aviator expression, and completing the configuration of the Aviator expression engine. The first Aviator expression and the second Aviator expression form a quotation model corresponding to the responsibility item.

The first Aviator expression is used for judging whether the element value of the responsibility element carried in the guarantee plan information meets the guarantee condition. The second Aviator expression is used for calculating the suggested rate according to the judging result of the first Aviator expression and the initial suggested rate. The configuration of the Aviator expression engine will be described below taking the 1 st data in table 1 as an example.

TABLE 1

The 1 st data in table 1 is group accident responsibility, and the occupation category range of the insurance subject is {1,5} category, the insurance amount is between [1 ten thousand, 10 ten thousand ], the insurance age is between [16, 65] years, the insurance number scale is between [3, 50] people, and then the initial recommended rate is 0.002. Namely, underwriting 6 ten thousand insurance amount, and suggesting that the premium is 120 yuan. The upper and lower limits of the occupation category, the upper and lower limits of the insurance amount, the upper and lower limits of the insurance age, the upper and lower limits of the number of insurance participants, the number of days free of reimbursement, and the reimbursement free of the insurance condition are used for limiting the value range of the responsibility elements corresponding to the responsibility items.

In an embodiment, the program code corresponding to the first Aviator expression may be:

Expression compiledExp＝AviatorEvaluator.compile(occp_expression1)；

Boolean result2＝(Boolean)compiledExp.execute(inputenv)；

Expression compiledExp＝AviatorEvaluator.compile(occp_expression2)；

Boolean result3＝(Boolean)compiledExp.execute(inputenv)；

wherein occp_expression1 represents an occupation type upper limit and occp_expression2 represents an occupation type lower limit; inputenv is a variable parameter and represents a professional class value; the first and third lines of codes are used for compiling expressions and judging whether occupational requirements in the application conditions are met or not; and the second and the fourth lines of codes are used for executing the expression to obtain a judging result.

The program code corresponding to the second Aviator expression may be:

String formula＝"expression1&&expression2&&expression3&&exp ression4？Rate:DOUBLE0"；

Double result＝(Double)execute(formula,env)；

wherein, expressions 1-4 each represent a judgment result of the first Aviator expression; rate represents the initial suggested Rate; DOUBLE0 represents a default value for the settings; env is a variable parameter and represents a judgment result. The first line code is used to determine "? "if the previous expression is true, if true, return Rate; if false, DOUBLE0 is returned. The second line of code is used to execute the expression resulting in a suggested rate.

The Aviator is used as a common tool for executing expression algorithm, receives the parameters transferred from outside, completes operation, and supports most operation operators, function call, custom function, regular expression and automatic variable data type conversion. Aviator is lighter weight than Groovy and is easy to introduce and develop. The design idea of the Aviator is to compile an expression into a class by compiling and dynamically generating byte codes, and then reflect and execute the class, so that the execution efficiency is higher than that of a script which is executed by pure interpretation, and the Aviator is simple and easy to use.

As can be seen in connection with Table 1, each liability term corresponds to a set of quotation models. Such as community accidentness, the first piece of data and the second piece of data are each converted into a quotation model. For example, the third data and the fourth data are respectively converted into a quotation model. It will be appreciated that the second Aviator expression corresponding to the first piece of data is illustrated by taking a conditional expression as an example, and other complex expressions may be used in practical applications.

After the security plan information is generated, a configured quotation engine can be called, and a quotation model meeting the self-insurance conditions is matched from the configured quotation models. Specifically, firstly, according to responsibility codes of responsibility items carried in the guarantee plan information, screening quotation models with the same responsibility codes from preconfigured quotation models as candidate quotation models; and then determining that the element value of at least one responsibility element carried in the guarantee plan information is in the value range of the same responsibility element of the candidate quotation model, and taking the candidate quotation model as the matched quotation model.

The processing firstly screens out the quotation models which are the same as the responsibility items carried in the guarantee plan information from the multiple quotation models based on the responsibility codes of the responsibility items. For example, if the liability code of the liability item carried in the security plan information is 189, the process is to screen out the quotation model whose liability code is 189. And then judging whether the element value of at least one responsibility element carried in the guarantee plan information is in the value range of the responsibility element corresponding to the candidate quotation model, and if the element values of all responsibility elements are in the value range of the corresponding responsibility elements, taking the candidate quotation model as the matched quotation model. The above processing reduces the matching times and improves the matching efficiency.

Step S204: and inputting the guarantee plan information into the matched quotation model, and processing the bid model to obtain the suggested rate. In the step, the variable parameters of a first Aviator expression in the quotation model are replaced by the element values of the responsibility elements carried in the guarantee plan information to obtain a judging result; and then executing the second expression to obtain the final suggested rate.

Step S205: and calculating the rate floating deviation according to the suggested rate and the set authorized rate. In order to ensure the rationality of the suggested rate, the suggested rate may be worse than the authorized rate, resulting in a rate float bias. Wherein the authorized rate may be entered by the user.

Step S206: judging whether the rate floating deviation is located within the set deviation interval, and if the rate floating deviation is located outside the deviation interval, executing step S207; otherwise, step S208 is performed. Comparing the rate floating deviation with the set deviation interval, and if the rate floating deviation is outside the deviation interval, indicating that the suggested rate exceeds the user authorization range; if the rate float deviation is within the deviation interval, the proposed rate is indicated to be within the user's authorized range.

Step S207: executing the approval process, receiving a feedback result of the approval process, adjusting the recommended rate when the feedback result indicates that the approval is not passed, and executing step S205 until the approval is passed. If the suggested rate exceeds the authorized range of the user, the approval process needs to be entered, and a feedback result of the approval process is received. If the feedback result indicates that the approval is not passed, the recommended rate is adjusted, and the steps S205-S207 are repeatedly executed until the approval is passed. After the approval is passed, step S208 is performed.

In a preferred embodiment, different levels of approval processes may be performed according to the proportion of the rate float deviation beyond the deviation interval, respectively. And the larger the proportion of the rate floating deviation exceeding the deviation interval is, the higher the level of the approval process is.

Step S208: and calculating a quotation result according to the suggested rate and the guard, and writing the quotation result into a preset insuring scheme template to generate an insuring scheme. Taking the example that the suggested rate is the premium corresponding to the thousand yuan of premium, the quoted result (i.e., premium) here is as follows:

quotation result=guard/1000 x (premium for thousand yuan guard)

Equation 1

After the quotation is agreed, the quotation module can push the quotation result to the bill outlet module of the insurance quotation system, and the bill outlet module writes the quotation result into the insurance scheme template and supplements the insurance information to generate a final insurance scheme.

The method for generating the application scheme of the embodiment can be applied to the generation of the application scheme of the group policy scene and can also be applied to the generation of the application scheme of the personal policy scene. The group policy is a policy in units of groups. The application scheme generation flow in the two scenes is consistent, specifically, see step S201-step S208, and the difference is that responsibility classification data displayed in step S201 is different.

Specifically, when the method is applied to a group policy scene, responsibility elements corresponding to each responsibility item in responsibility classification data need to contain the number of the applicant; when the method is applied to a personal insurance policy scene, the responsibility elements corresponding to each responsibility item in the responsibility classification data can be free of the number of the insured persons. Therefore, when applied to the group policy scenario, the responsibility elements corresponding to each responsibility item in the responsibility classification data displayed in step S201 all include the number of the applicant; when applied to the personal policy scenario, the responsibility elements corresponding to the responsibility items in the responsibility classification data displayed in step S201 have no applicant number.

In order to control risk and increase revenue, different businesses may be priced differently in a preferred embodiment, due to different business conditions. Specifically, grading the insurance enterprise according to the industry investigation data and the historical payment information to obtain enterprise grading data; and then determining a rate adjustment coefficient according to enterprise grading data of the current insuring enterprise, and multiplying the set basic suggested rate by the rate adjustment coefficient to obtain an initial suggested rate. And the differentiated initial suggested rate set for different enterprises is used later, so that a differentiated quotation result can be obtained.

Wherein, the value of the basic suggested rate can be obtained by referring to a mature accurate calculation model; the basic weight and the corresponding basic condition can be set, and the basic weights corresponding to the basic conditions are weighted and summed to obtain the basic suggested rate. The enterprise classification data is determined to be of a high-quality enterprise, and the rate adjustment coefficient can be set to a value smaller than 1; the enterprise-wide data is determined to be inauguration enterprises and the rate adjustment factor may be set to a value greater than 1. Industry investigation data, such as that a certain occupation belongs to four classes of occupation, and the risk of claim settlement is higher than that of the insurance applicant of the three classes of occupation, the rate adjustment coefficient can be set to be a value larger than 1.

Fig. 4 is a schematic diagram of determining suggested rates in a method of generating an insurance scheme according to an embodiment of the present invention. As shown in fig. 4, the quotation engine adjusts the initial suggested rate according to the industry investigation data and the historical payment information of the applicant; and according to the guarantee plan information, matching a quotation model meeting the self-insurance conditions from preconfigured quotation models, inputting the guarantee plan information into the matched quotation model, and processing the quotation model to obtain the final suggested rate.

In an embodiment, a function of a quotation engine for customizing various responsibility items can be developed on a front-end page, and the quotation engine is stored in a database and a memory, so that the quotation engine in the memory can be called to obtain a quotation result when calculating a quotation. If the quotation engine corresponding to the responsibility is not stored in the memory, the quotation engine can be loaded from the database and stored in the memory.

The page customization mode can achieve the effect that configuration is effective, does not need other development (or a small amount of development), and does not need restarting the application. And the quotation engine is stored in the memory, so that the calculation performance is improved. Meanwhile, the quotation engine can be deployed to a server as a single service to complete the service of the function.

After the guarantee plan information is generated, the guarantee plan information can be used as an input parameter of a bid request and transmitted into a bid engine. The quotation engine analyzes the participation of the quotation request to obtain the selected responsibility item and the element value of the corresponding responsibility element. For example, the responsibility item is medical treatment giving responsibility, the number of the insured persons in the responsibility element is 100, and the occupation class is class 2. And then matching a quotation model meeting self-insurance conditions from a memory according to the analyzed data, replacing variable parameters in the quotation model by the analyzed data, and finally obtaining a quotation result.

FIG. 5 is a schematic diagram of a store call process of a quotation engine in a method of generating an application program according to an embodiment of the invention. As shown in fig. 5, the user configures the quotation engine on the front-end page, initializes the quotation engine to memory, and stores the results in the database. When actual quotation is carried out, a quotation engine is called from the memory, and a quotation result is calculated by the quotation engine and returned to the front-end page.

In the prior art, a single transaction usually takes a week to complete due to the need of multiple communication between the salesman and the customer to adjust the insurance scheme and to approve the rate. By using the method for generating the insuring scheme of the embodiment of the invention, a salesman can customize different combinations of responsibility items through an on-line system, determine a suggested rate and offer a price to a client, and the time spent in the process is less than 1 hour. If the customer agrees to apply the insurance scheme, the premium can be paid directly on site, the policy is printed, and the process takes less than 1 hour. That is, the salesman can complete a single transaction within 2 hours, thereby greatly shortening the time for the client to agree on and ensuring the benefit of the company.

FIG. 6 is a schematic diagram of the main modules of a generating device of an application program according to an embodiment of the present invention. As shown in fig. 6, the apparatus 600 for generating an application scheme according to an embodiment of the present invention mainly includes:

an acquisition and display module 601 is configured to respond to a first operation of a user, acquire responsibility classification data associated with the first operation from a database, and display the responsibility classification data to a user interface. The user performs a first operation on a user interface of the client, and the client sends operation data corresponding to the first operation to the server. After receiving the operation data corresponding to the first operation, the server acquires responsibility classification data associated with the first operation from the database and displays the responsibility classification data. Wherein the first operation may be a click operation on a specified function item in the user interface, and the specified function item may be a function item for automatic pricing.

The receiving and generating module 602 is configured to receive operation data formed by the second operation of the user, and generate the security plan information according to the operation data. And the user performs a second operation on the user interface according to the client's application wish and the client's own information. The second operation includes an operation of an item of responsibility and an operation of an element of responsibility corresponding to the item of responsibility, for selecting the item of responsibility and setting an element value of the element of responsibility selected by the item of responsibility.

And the matching calculation module 603 is configured to call a pre-built quotation engine, so that the quotation engine matches a quotation model meeting the self-insurance condition from the pre-configured quotation models according to the guarantee plan information, and inputs the guarantee plan information to the matched quotation model to obtain a quotation result. The quotation engine needs to be pre-constructed and used for pre-configuring a quotation model and matching the quotation model meeting the self-insurance condition from the pre-configured quotation model according to the insurance plan information.

The scheme generating module 604 is configured to write the quotation result into a preset insurance scheme template, generate an insurance scheme, and output the insurance scheme. The insuring scheme template can comprise the fields of responsibility items, premium, insurance amount, quotation results, customer information and the like, the responsibility items, the premium, the insurance amount, the quotation results and the like are written into the corresponding fields of the insuring scheme template, the supplementary customer information is collected, the quotation scheme is obtained, and the quotation scheme is displayed on a user interface and is convenient to check.

In addition, the apparatus 600 for generating an application scheme according to the embodiment of the present invention may further include: an engine configuration module, a differential pricing module, and an approval module (not shown in fig. 6). The engine configuration module is used for converting the application conditions corresponding to the responsibility items into a first Aviator expression; the first Aviator expression is used for judging whether the element value of the responsibility element carried in the guarantee plan information meets the guarantee condition; converting the initial suggested rate set for the responsibility item into a second Aviator expression to complete the configuration of the Aviator expression engine; the second Aviator expression is used for calculating a suggested rate according to the judging result of the first Aviator expression and the initial suggested rate.

The difference pricing module is used for grading the insurance enterprises according to the historical payment information to obtain enterprise grading data; determining a rate adjustment coefficient according to enterprise grading data of the current insuring enterprise; multiplying the set basic suggested rate by the rate adjustment coefficient to obtain the initial suggested rate.

The approval module comprises the following calculation steps: calculating rate floating deviation according to the suggested rate and the set authorized rate; comparing: comparing the rate floating deviation with a set deviation interval, determining that the rate floating deviation is positioned outside the deviation interval, and executing an approval process; an adjustment step: and if the approval is not passed, adjusting the recommended rate, and re-executing the calculating step, the comparing step and the adjusting step until the approval is passed.

From the above description, it can be seen that, in this embodiment, a salesman can customize different combinations of responsibility items in an online quotation manner, set element values of responsibility elements for the responsibility items, and then implement calculation of quotation results by calling a quotation engine to determine a final insurance scheme, so as to avoid the problems of low efficiency, human error and the like existing in offline quotation, implement flexible customization of the insurance scheme, avoid manual memorizing of insurance policy combinations, and can quickly respond to customer quotation requirements, thereby achieving high policy issuing efficiency.

FIG. 7 illustrates an exemplary system architecture 700 of a method of generating an application program or a device of generating an application program to which embodiments of the present invention may be applied.

As shown in fig. 7, a system architecture 700 may include terminal devices 701, 702, 703, a network 704, and a server 705. The network 704 is the medium used to provide communication links between the terminal devices 701, 702, 703 and the server 705. The network 704 may include various connection types, such as wired, wireless communication links, or fiber optic cables, among others.

A user may interact with the server 705 via the network 704 using the terminal devices 701, 702, 703 to receive or send messages or the like. Various communication client applications, such as shopping class applications, web browser applications, search class applications, instant messaging tools, mailbox clients, social platform software, etc., may be installed on the terminal devices 701, 702, 703.

The terminal devices 701, 702, 703 may be various electronic devices having a display screen and supporting web browsing, including but not limited to smartphones, tablets, laptop and desktop computers, and the like.

The server 705 may be a server that provides various services, for example, a background management server that processes an operation instruction transmitted by an administrator using the terminal devices 701, 702, 703. The background management server may acquire responsibility classification data, generate guarantee plan information, call a quotation engine, calculate a quotation result, generate an application scheme, and the like, and feed back the processing result (e.g., the generated application scheme) to the terminal device.

It should be noted that, the method for generating the application solution provided in the embodiment of the present application is generally executed by the server 705, and accordingly, the device for generating the application solution is generally disposed in the server 705.

It should be understood that the number of terminal devices, networks and servers in fig. 7 is merely illustrative. There may be any number of terminal devices, networks, and servers, as desired for implementation.

According to an embodiment of the invention, the invention further provides an electronic device and a computer readable medium.

The electronic device of the present invention includes: one or more processors; and the storage device is used for storing one or more programs, and when the one or more programs are executed by the one or more processors, the one or more processors are enabled to realize the generation method of the application scheme.

The computer-readable medium of the present invention has stored thereon a computer program which, when executed by a processor, implements a method of generating an application program of an embodiment of the present invention.

Referring now to FIG. 8, there is illustrated a schematic diagram of a computer system 800 suitable for use in implementing an embodiment of the present invention. The electronic device shown in fig. 8 is only an example and should not be construed as limiting the functionality and scope of use of the embodiments of the invention.

As shown in fig. 8, the computer system 800 includes a Central Processing Unit (CPU) 801 that can perform various appropriate actions and processes according to a program stored in a Read Only Memory (ROM) 802 or a program loaded from a storage section 808 into a Random Access Memory (RAM) 803. In the RAM 803, various programs and data required for the operation of the computer system 800 are also stored. The CPU 801, ROM 802, and RAM 803 are connected to each other by a bus 804. An input/output (I/O) interface 805 is also connected to the bus 804.

The following components are connected to the I/O interface 805: an input portion 806 including a keyboard, mouse, etc.; an output portion 807 including a display such as a Cathode Ray Tube (CRT), a Liquid Crystal Display (LCD), and a speaker; a storage section 808 including a hard disk or the like; and a communication section 809 including a network interface card such as a LAN card, a modem, or the like. The communication section 809 performs communication processing via a network such as the internet. The drive 810 is also connected to the I/O interface 805 as needed. A removable medium 811 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is mounted on the drive 810 as needed so that a computer program read out therefrom is mounted into the storage section 808 as needed.

In particular, the processes described above in the main step diagrams may be implemented as computer software programs according to the disclosed embodiments of the invention. For example, embodiments of the present disclosure include a computer program product comprising a computer program embodied on a computer readable medium, the computer program comprising program code for performing the method shown in the main step diagrams. In such an embodiment, the computer program may be downloaded and installed from a network via the communication section 809, and/or installed from the removable media 811. The above-described functions defined in the system of the present invention are performed when the computer program is executed by a Central Processing Unit (CPU) 801.

The computer readable medium shown in the present invention may be a computer readable signal medium or a computer readable storage medium, or any combination of the two. The computer readable storage medium can be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or a combination of any of the foregoing. More specific examples of the computer-readable storage medium may include, but are not limited to: an electrical connection having one or more wires, a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the context of this document, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. In the present invention, however, the computer-readable signal medium may include a data signal propagated in baseband or as part of a carrier wave, with the computer-readable program code embodied therein. Such a propagated data signal may take any of a variety of forms, including, but not limited to, electro-magnetic, optical, or any suitable combination of the foregoing. A computer readable signal medium may also be any computer readable medium that is not a computer readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device. Program code embodied on a computer readable medium may be transmitted using any appropriate medium, including but not limited to: wireless, wire, fiber optic cable, RF, etc., or any suitable combination of the foregoing.

The flowcharts and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present invention. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams or flowchart illustration, and combinations of blocks in the block diagrams or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.

The modules involved in the embodiments of the present invention may be implemented in software or in hardware. The described modules may also be provided in a processor, for example, as: a processor includes an acquisition display module, a reception generation module, a matching calculation module, and a scheme generation module. Wherein the names of the modules do not constitute a limitation of the module itself in some cases, for example, the acquisition display module may also be described as "in response to a first operation by a user, acquire responsibility classification data associated with the first operation from a database, and display the responsibility classification data to a module of a user interface".

As another aspect, the present invention also provides a computer-readable medium that may be contained in the apparatus described in the above embodiments; or may be present alone without being fitted into the device. The computer readable medium carries one or more programs which, when executed by a device, cause the device to include: responsive to a first operation by a user, obtaining responsibility classification data associated with the first operation from a database, and displaying the responsibility classification data to a user interface; wherein the responsibility classification data comprises at least one responsibility item and a responsibility element corresponding to the responsibility item; receiving operation data formed by a second operation of the user, and generating guarantee plan information according to the operation data; wherein the second operation includes an operation on the responsibility item and an operation on a responsibility element corresponding to the responsibility item; invoking a pre-constructed quotation engine to enable the quotation engine to match a quotation model meeting self-insurance conditions from the pre-configured quotation model according to the guarantee plan information, and inputting the guarantee plan information into the matched quotation model to obtain a quotation result; writing the quotation result into a preset insuring scheme template, generating an insuring scheme and outputting the insuring scheme.

According to the technical scheme of the embodiment of the invention, a salesman can customize different combinations of responsibility items in an online quotation mode, set element values of responsibility elements for the responsibility items, realize calculation of quotation results by calling a quotation engine later, determine a final insurance scheme, avoid the problems of low efficiency, human error and the like of offline quotation, realize flexible customization of the insurance scheme, do not need to store a insurance policy combination manually, can quickly respond to customer quotation requirements, and have high bill output efficiency.

The product can execute the method provided by the embodiment of the invention, and has the corresponding functional modules and beneficial effects of the execution method. Technical details not described in detail in this embodiment may be found in the methods provided in the embodiments of the present invention.

The above embodiments do not limit the scope of the present invention. It will be apparent to those skilled in the art that various modifications, combinations, sub-combinations and alternatives can occur depending upon design requirements and other factors. Any modifications, equivalent substitutions and improvements made within the spirit and principles of the present invention should be included in the scope of the present invention.

Claims

1. A method of generating an application program, comprising:

responsive to a first operation by a user, obtaining responsibility classification data associated with the first operation from a database, and displaying the responsibility classification data to a user interface; the responsibility classification data are obtained by classifying according to explicit responsibility items in insurance clauses, the responsibility classification data comprise at least one responsibility item and responsibility elements corresponding to the responsibility items, the responsibility items are responsibilities which an insurer should bear, and the responsibility elements are used for describing the responsibility items;

receiving operation data formed by a second operation of the user, and generating guarantee plan information according to the operation data; the second operation comprises an operation on the responsibility item and an operation on a responsibility element corresponding to the responsibility item, the operation data corresponding to the second operation comprises the selected responsibility item and an element value of the corresponding responsibility element, and the guarantee plan information comprises the selected responsibility item and the element value of the corresponding responsibility element;

invoking a pre-constructed quotation engine to enable the quotation engine to match a quotation model meeting self-insurance conditions from the pre-configured quotation model according to the guarantee plan information, and inputting the guarantee plan information into the matched quotation model to obtain a quotation result;

Writing the quotation result into a preset insuring scheme template, generating an insuring scheme and outputting the insuring scheme;

the quotation model comprises an application condition corresponding to the responsibility item, wherein the application condition is used for limiting the value range of the responsibility element corresponding to the responsibility item;

and matching the quotation model meeting the self-insurance conditions from the preconfigured quotation model according to the insurance plan information, wherein the matching comprises the following steps:

screening quotation models with the same responsibility codes from preconfigured quotation models to serve as candidate quotation models according to responsibility codes of responsibility items carried in the guarantee plan information;

judging whether the element value of at least one responsibility element carried in the guarantee plan information is in the value range of the responsibility element corresponding to the candidate quotation model, and if the element values of all responsibility elements are in the value range of the corresponding responsibility elements, taking the candidate quotation model as a matched quotation model;

the quotation engine is an Aviator expression engine; the method further comprises the steps of:

converting the insuring condition corresponding to the responsibility item into a first Aviator expression, converting the initial suggested rate set for the responsibility item into a second Aviator expression, and completing the configuration of the Aviator expression engine; the first Aviator expression and the second Aviator expression form a quotation model corresponding to the responsibility item;

The first Aviator expression is used for judging whether the element value of the responsibility element carried in the guarantee plan information meets the guarantee condition; the second Aviator expression is used for calculating a suggested rate according to the judging result of the first Aviator expression and the initial suggested rate.

2. The method of claim 1, wherein the liability element comprises a guard;

the step of inputting the guarantee plan information into the matched quotation model to obtain a quotation result comprises the following steps:

replacing the variable parameters of the first Aviator expression by using the element values of the responsibility elements carried in the guarantee plan information to obtain the judging result;

and executing the second Aviator expression to obtain the final suggested rate, and then calculating a quotation result according to the suggested rate and the guard.

3. The method according to claim 2, wherein the method further comprises:

classifying the insurance enterprises according to the historical payment information to obtain enterprise classification data;

determining a rate adjustment coefficient according to enterprise grading data of the current insuring enterprise;

multiplying the set basic suggested rate by the rate adjustment coefficient to obtain the initial suggested rate.

4. A method according to any one of claims 1 to 3, wherein said generating of the assurance plan information from the operation data comprises:

judging whether a necessary responsibility item exists in at least one responsibility item corresponding to the second operation according to the attribute information of the responsibility item;

if the necessary responsibility items exist in at least one responsibility item corresponding to the second operation, combining the at least one responsibility item corresponding to the second operation and responsibility elements corresponding to the responsibility items into the guarantee plan information;

and if at least one responsibility item corresponding to the second operation does not have the necessary responsibility item, outputting prompt information that the responsibility item combination is unreasonable.

5. The method of claim 2, wherein prior to the step of calculating a bid result based on the suggested rate and the premium, the method further comprises:

the calculation steps are as follows: calculating rate floating deviation according to the suggested rate and the set authorized rate;

comparing: comparing the rate floating deviation with a set deviation interval, determining that the rate floating deviation is positioned outside the deviation interval, and executing an approval process;

An adjustment step: and if the approval is not passed, adjusting the recommended rate, and re-executing the calculating step, the comparing step and the adjusting step until the approval is passed.

6. An apparatus for generating an application program, comprising:

the system comprises an acquisition display module, a user interface and a control module, wherein the acquisition display module is used for responding to a first operation of a user, acquiring responsibility classification data associated with the first operation from a database and displaying the responsibility classification data to the user interface; the responsibility classification data are obtained by classifying according to explicit responsibility items in insurance clauses, the responsibility classification data comprise at least one responsibility item and responsibility elements corresponding to the responsibility items, the responsibility items are responsibilities which an insurer should bear, and the responsibility elements are used for describing the responsibility items;

the receiving and generating module is used for receiving operation data formed by the second operation of the user and generating guarantee plan information according to the operation data; the second operation comprises an operation on the responsibility item and an operation on a responsibility element corresponding to the responsibility item, the operation data corresponding to the second operation comprises the selected responsibility item and an element value of the corresponding responsibility element, and the guarantee plan information comprises the selected responsibility item and the element value of the corresponding responsibility element;

The matching calculation module is used for calling a pre-built quotation engine so that the quotation engine can match a quotation model meeting self-insurance conditions from the pre-configured quotation models according to the guarantee plan information, and the guarantee plan information is input into the matched quotation model to obtain a quotation result;

the scheme generating module is used for writing the quotation result into a preset insuring scheme template, generating an insuring scheme and outputting the insuring scheme;

The quotation engine is an Aviator expression engine; wherein,

7. An electronic device, comprising:

one or more processors;

storage means for storing one or more programs,

when executed by the one or more processors, causes the one or more processors to implement the method of any of claims 1-5.

8. A computer readable medium, on which a computer program is stored, characterized in that the program, when being executed by a processor, implements the method according to any of claims 1-5.