CN113643138A - Method and device for calculating and configuring personal insurance premium - Google Patents
Method and device for calculating and configuring personal insurance premium Download PDFInfo
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- CN113643138A CN113643138A CN202011485817.4A CN202011485817A CN113643138A CN 113643138 A CN113643138 A CN 113643138A CN 202011485817 A CN202011485817 A CN 202011485817A CN 113643138 A CN113643138 A CN 113643138A
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Abstract
The invention discloses a method and a device for calculating and configuring personal insurance premium, and relates to the technical field of computer information processing. The method comprises the following steps: s1, configuring a personal risk calculation cost data dictionary; s2, configuring the fee calculation rule field corresponding to the personal insurance product according to the personal insurance fee calculation data dictionary; s3, selecting the charge factor in the personal insurance charge rule field, and configuring the corresponding insurance rate; s4, configuring a personal insurance premium calculation formula; s5, according to the insurance premium rule, insurance rate, premium calculation formula, form the complete personal insurance premium and calculate the way, this personal insurance premium calculates the disposition method and apparatus, realize the unified disposition of various insurance products premium and calculate the way, does not need each kind of products to develop the measuring and calculating interface of the personalized premium, facilitate the maintenance and reduce the enterprise cost, has increased the economic benefits, have better market spreading value, the circumstances such as the rate change of the personal insurance, calculating the rule change of the fee, can let the operator dispose, do not need to develop, save the cost.
Description
Technical Field
The invention relates to the technical field of computer information processing, in particular to a method and a device for calculating and configuring personal insurance premium.
Background
The life insurance is the insurance target of the life or body of the person, when the life or body of the insured person has an insurance accident or the insurance is over, the insurer pays the insurance form of the insurance money to the insured person or beneficiary according to the stipulation of the insurance contract, the life insurance includes three types of life insurance, injury insurance and health insurance. In the property insurance, an insurer is responsible for compensating the loss of an insurance target, and in the personal insurance, the insurer is responsible for paying without asking about the loss, so the personal insurance is generally rated insurance, and the personal insurance is insurance taking the life and the body of a person as the insurance target.
The premium measurement and calculation is to calculate the premium according to the measurement and calculation factor in the corresponding product, different product measurement and calculation factors may be different, the measurement and calculation factor of a product may be the age and the insurance period of the insured person, another may be the occupation, at present, in the traditional way, because the product is developed alone in the system of putting into insurance, the premium measurement and calculation also need to write the code every time along with the product development, this kind of technical scheme can adapt to the simple premium measurement and calculation scene in the initial stage, but modify inconveniently, if the demand of the product changes, if change the age district or corresponding floating coefficient, need to change the code. And because every habit of developing and writing codes is different, if the habit is changed by others, the modification is possibly extremely unchanged, mistakes are easy to make, the service environment is more and more complex, and the measuring and calculating factors are more and more, the hard coding mode of every product not only consumes manpower, but also is more and more difficult to develop and maintain, so that the use effect is common, therefore, the personal insurance premium measuring and calculating configuration method and the device are provided to solve the problems.
Disclosure of Invention
Aiming at the defects of the prior art, the invention provides a method and a device for calculating and configuring personal insurance premium, so as to solve the problems in the background technology.
In order to achieve the purpose, the invention provides the following technical scheme: a method for calculating and configuring personal insurance premium comprises the following steps:
s1, configuring a personal risk calculation cost data dictionary;
s2, configuring the fee calculation rule field corresponding to the personal insurance product according to the personal insurance fee calculation data dictionary;
s3, selecting the charge factor in the personal insurance charge rule field, and configuring the corresponding insurance rate;
s4, configuring a personal insurance premium calculation formula;
and S5, forming a complete body insurance premium measuring and calculating mode according to the insurance premium rule, the insurance rate and the premium calculating formula.
Further optimizing the technical solution, in the step S4, the configured personal insurance premium calculation formula may be freely configured according to the calculation cost factor.
Further optimizing the technical solution, in the step S4, the formula may be freely configured, and there is no specific formula, that is, the personal insurance premium { the personal insurance formula freely configured by the fee calculation rule field }.
Further optimizing the technical solution, in the step S4, in the configuration of the personal insurance premium calculation formula, the formula is freely configured, and the premium reserved decimal place is configured.
A personal insurance premium measurement and calculation configuration device comprises a personal insurance premium data dictionary configuration module, a personal insurance premium rule configuration module, a personal insurance rate configuration module, a personal insurance premium calculation formula configuration module and a personal insurance premium measurement and calculation configuration mode module, wherein the output end of the personal insurance premium data dictionary configuration module is electrically connected with the input end of the personal insurance premium rule configuration module, the output end of the personal insurance premium rule configuration module is electrically connected with the input end of the personal insurance premium configuration module, the output end of the personal insurance premium configuration module is electrically connected with the output end of the personal insurance premium calculation formula configuration module, and the output end of the personal insurance premium calculation formula configuration module is electrically connected with the input end of the personal insurance premium measurement and calculation configuration mode module.
Further optimizing the technical scheme, the personal insurance computation cost data dictionary configuration module is used for configuring personal insurance computation cost general fields, field acquisition modes and field basic values.
Further optimizing the technical scheme, in the personal insurance calculation fee rule configuration module, configured fields in the personal insurance calculation fee data dictionary are selected as calculation fee factors required by premium calculation, and the incidence relation among different calculation fee factors is set.
Further optimizing the technical scheme, in the personal insurance rate configuration module, the calculation cost factor configured in the personal insurance calculation cost rule configuration module is selected, and the standard rate of personal insurance premium calculation is matched according to the calculation cost factor.
Further optimizing the technical scheme, in the personal insurance premium calculation formula configuration module, a formula is configured, the formula can be freely configured, and no specific formula exists, namely, the personal insurance premium is { the personal insurance formula freely configured by the fee calculation rule field }; and configuring the premium reserved decimal digit.
Further optimizing the technical scheme, in the human insurance premium measurement and calculation configuration mode module, a complete human insurance premium measurement and calculation mode is formed according to the insurance premium rule, the insurance rate and the premium calculation formula.
Compared with the prior art, the invention provides a method and a device for calculating and configuring personal insurance premium, which have the following beneficial effects:
1. the method and the device for the configuration of the personal insurance premium measurement and calculation realize the unified configuration of the premium measurement and calculation modes of various insurance products, do not need to develop an individualized premium measurement and calculation interface for each product, are convenient to maintain, reduce the enterprise cost, increase the economic benefit and have better market popularization value.
2. According to the method and the device for calculating and configuring the personal insurance premium, the operator can configure the personal insurance premium and the calculation fee rule without developing under the conditions of changing the personal insurance premium rate, changing the calculation fee rule and the like, and the cost is saved.
Drawings
FIG. 1 is a schematic flow chart of a method and apparatus for configuration of a personal insurance premium measurement and calculation according to the present invention;
fig. 2 is a schematic diagram of the module configuration of the method and apparatus for calculating the insurance premium of the present invention.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
Example (b):
referring to fig. 1, a method for calculating and configuring a personal insurance premium includes the following steps:
s1, configuring a personal risk calculation cost data dictionary;
s2, configuring the fee calculation rule field corresponding to the personal insurance product according to the personal insurance fee calculation data dictionary;
s3, selecting the charge factor in the personal insurance charge rule field, and configuring the corresponding insurance rate;
s4, configuring a personal insurance premium calculation formula;
and S5, forming a complete body insurance premium measuring and calculating mode according to the insurance premium rule, the insurance rate and the premium calculating formula.
As a specific optimization scheme of this embodiment, in step S4, the configured personal insurance premium calculation formula may freely configure a formula according to the calculation cost factor.
As a specific optimization scheme of this embodiment, in step S4, the formula is freely configurable, and there is no specific formula, that is, the personal insurance premium { the personal insurance formula freely configured by the fee calculation rule field }.
As a specific optimization scheme of this embodiment, in the step S4, in the configuration of the risk premium calculation formula, the premium reserved decimal place is configured by freely configuring the formula.
Referring to fig. 2, a personal insurance premium measurement and calculation configuration device includes a personal insurance premium data dictionary configuration module, a personal insurance premium rule configuration module, a personal insurance rate configuration module, a personal insurance premium calculation formula configuration module, and a personal insurance premium measurement and calculation configuration mode module, wherein an output terminal of the personal insurance premium data dictionary configuration module is electrically connected to an input terminal of the personal insurance premium rule configuration module, an output terminal of the personal insurance premium rule configuration module is electrically connected to an input terminal of the personal insurance premium measurement and calculation configuration module, an output terminal of the personal insurance premium calculation formula configuration module is electrically connected to an output terminal of the personal insurance premium measurement and calculation configuration mode module, and the personal insurance premium measurement and calculation configuration device implements unified configuration of various insurance product premium measurement and calculation modes, the system does not need to develop an individualized premium measuring and calculating interface for each product, is convenient to maintain, reduces the cost of enterprises, increases the economic benefit, has better market promotion value, changes the personal insurance rate, changes the fee calculation rule and the like, can be configured by operators, does not need to develop, and saves the cost.
As a specific optimization scheme of this embodiment, in the personal risk calculation fee data dictionary configuration module, a personal risk calculation fee general field, a field acquisition mode, and a field basic value are configured.
As a specific optimization scheme of this embodiment, in the personal insurance computation cost rule configuration module, a configured field in the personal insurance computation cost data dictionary is selected as a computation cost factor required by premium computation, and an association relationship between different computation cost factors is set.
As a specific optimization scheme of this embodiment, in the personal insurance rate configuration module, the fee calculation factor configured in the personal insurance fee rule configuration module is selected, and the standard rate of personal insurance premium calculation is matched according to the fee calculation factor.
As a specific optimization scheme of this embodiment, in the personal insurance premium calculation formula configuration module, a formula is configured, and the formula may be freely configured, and there is no specific formula, that is, the personal insurance premium is { the personal insurance formula freely configured by the fee calculation rule field }; and configuring the premium reserved decimal digit.
As a specific optimization scheme of this embodiment, in the personal insurance premium measurement and calculation configuration mode module, a complete personal insurance premium measurement and calculation mode is formed according to the insurance premium rule, the insurance rate, and the premium calculation formula.
The invention has the beneficial effects that: the method and the device for the configuration of the personal insurance premium measurement and calculation realize the unified configuration of the premium measurement and calculation modes of various insurance products, do not need to develop an individualized premium measurement and calculation interface for each product, are convenient to maintain, reduce the enterprise cost, increase the economic benefit, have better market popularization value, change the personal insurance rate, change the fee calculation rule and the like, can be configured by operators, do not need to develop, and save the cost.
Of course, the storage medium containing computer executable instructions provided by the embodiments of the present invention is not limited to the method operations described above, and may also perform related operations in the statistical method of user traffic of base target area mobile communication terminals provided by any embodiments of the present invention, and it is clear to those skilled in the art from the above description of the embodiments that the present invention can be implemented by software and necessary general hardware, and certainly, by hardware, but in many cases, the former is a better implementation, and based on such understanding, the technical solution of the present invention and the portions contributing to the prior art can be embodied in the form of software product, which can be stored in a computer readable storage medium, such as a floppy disk of a computer, A Read-Only Memory (ROM), a Random Access Memory (RAM), a FLASH Memory (FLASH), a hard disk or an optical disk, etc., which includes several instructions to make a computer device (which may be a personal computer, a server, or a network device, etc.) execute the method according to the embodiments of the present invention.
It should be noted that, in the embodiment of the above search apparatus, each included unit and module are merely divided according to functional logic, but are not limited to the above division as long as the corresponding functions can be implemented; in addition, specific names of the functional units are only for convenience of distinguishing from each other, and are not used for limiting the protection scope of the present invention.
It should be noted that the foregoing is only a preferred embodiment of the invention and the technical principles employed, and those skilled in the art will understand that the invention is not limited to the specific embodiments described herein, and that various obvious changes, rearrangements and substitutions can be made by those skilled in the art without departing from the scope of the invention. Therefore, although the present invention has been described in greater detail by the above embodiments, the present invention is not limited to the above embodiments, and may include other equivalent embodiments without departing from the spirit of the present invention, and the scope of the present invention is determined by the scope of the appended claims.
It should be noted that the foregoing is only a preferred embodiment of the invention and the technical principles employed, and those skilled in the art will understand that the invention is not limited to the specific embodiments described herein, and that various obvious changes, rearrangements and substitutions can be made by those skilled in the art without departing from the scope of the invention. Therefore, although the present invention has been described in greater detail by the above embodiments, the present invention is not limited to the above embodiments, and may include other equivalent embodiments without departing from the spirit of the present invention, and the scope of the present invention is determined by the scope of the appended claims.
Claims (10)
1. A method for calculating and configuring personal insurance premium is characterized by comprising the following steps:
s1, configuring a personal risk calculation cost data dictionary;
s2, configuring the fee calculation rule field corresponding to the personal insurance product according to the personal insurance fee calculation data dictionary;
s3, selecting the charge factor in the personal insurance charge rule field, and configuring the corresponding insurance rate;
s4, configuring a personal insurance premium calculation formula;
and S5, forming a complete body insurance premium measuring and calculating mode according to the insurance premium rule, the insurance rate and the premium calculating formula.
2. The method as claimed in claim 1, wherein in step S4, the formula for calculating the insurance premium is configured freely according to the calculation cost factor.
3. The method as claimed in claim 1, wherein in step S4, the formula is freely configurable, and there is no specific formula, i.e. the premium is { the personal risk formula freely configurable by the fee rule field }.
4. The method as claimed in claim 3, wherein in step S4, the premium hold decimal place is configured by freely configuring the formula in the formula configuration for calculating the premium.
5. A personal insurance premium measurement and calculation configuration device comprises a personal insurance premium data dictionary configuration module, a personal insurance premium rule configuration module, a personal insurance rate configuration module, a personal insurance premium calculation formula configuration module and a personal insurance premium measurement and calculation configuration mode module.
6. The device for calculating and configuring personal insurance premium according to claim 5, wherein the personal insurance premium data dictionary configuration module is configured with personal insurance premium general fields, field collection modes and field base values.
7. The device as claimed in claim 5, wherein the personal insurance premium calculation configuration module selects configured fields in the personal insurance premium data dictionary as the premium factors required for premium calculation, and sets the association relationship between different premium factors.
8. The device as claimed in claim 5, wherein the personal insurance premium calculation configuration module selects the calculation cost factor configured in the personal insurance premium rule configuration module, and matches the reference rate of the personal insurance premium calculation according to the calculation cost factor.
9. The device as claimed in claim 5, wherein the formula is configured in the formula configuration module, and the formula is freely configurable, and has no specific formula, i.e. the personal insurance premium is { the personal insurance formula freely configured by the fee rule field }; and configuring the premium reserved decimal digit.
10. The device as claimed in claim 5, wherein the human insurance premium calculation configuration module comprises a complete human insurance premium calculation mode according to the insurance premium rule, the insurance rate and the premium calculation formula.
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| Application Number | Priority Date | Filing Date | Title |
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| CN202011485817.4A CN113643138A (en) | 2020-12-16 | 2020-12-16 | Method and device for calculating and configuring personal insurance premium |
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| Application Number | Priority Date | Filing Date | Title |
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| CN202011485817.4A CN113643138A (en) | 2020-12-16 | 2020-12-16 | Method and device for calculating and configuring personal insurance premium |
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| CN113643138A true CN113643138A (en) | 2021-11-12 |
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| CN202011485817.4A Pending CN113643138A (en) | 2020-12-16 | 2020-12-16 | Method and device for calculating and configuring personal insurance premium |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN116012170A (en) * | 2022-12-22 | 2023-04-25 | 中国人民财产保险股份有限公司 | Insurance clause tariff table configuration system and configuration method |
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| US20090055226A1 (en) * | 2007-08-20 | 2009-02-26 | American International Group, Inc. | Method and system for determining rates of insurance |
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| CN116012170A (en) * | 2022-12-22 | 2023-04-25 | 中国人民财产保险股份有限公司 | Insurance clause tariff table configuration system and configuration method |
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