WO2018233309A1 - Insurance policy data storage method, device, terminal and readable storage medium - Google Patents

Abstract

Disclosed are an insurance policy data storage method, a device, a terminal and a readable storage medium, the method comprising: acquiring insurance policy data within an insurance policy data dimension and a generation time of the insurance policy data within the insurance policy data dimension; determining whether a time difference between the generation time of the insurance policy data and a current time is greater than or equal to a preset time difference; if the time difference between the generation time of the insurance policy data and the current time is greater than or equal to the preset time difference, filtering, according to a preset dimension, the insurance policy data under the insurance policy data dimension and storing the filtered insurance policy data within the insurance policy data dimension; and if the time difference between the generation time of the insurance policy data and the current time is less than the preset time difference, storing the insurance policy data. The method can be used to save storage space and increase the invoking speed of insurance policy data.

Description

Policy data storage method, device, terminal device and readable storage medium

This application is submitted to the Chinese Patent Office on June 21, 2017, and the application number is CN. The priority of the Chinese Patent Application, which is incorporated herein by reference.

Technical field

The present application belongs to the field of policy data processing, and in particular, to a policy data storage method, apparatus, terminal device, and readable storage medium.

Background technique

At present, the data related to the policy usually includes: the type of insurance, the age of the insured, the gender of the insured, the occupation of the insured, the information of the service personnel, the number of contributions, the premium paid, the amount of the claim, the number of claims, the cost of protection, Policy data corresponding to the policy dimensions such as effective insured amount, risk insured amount, cash value, effective elapsed time, reserve, and transmission rate data. These policy data will be stored as historical data for the policy for subsequent empirical analysis calls.

Since the existing historical data stores a detailed list of policy insurance levels, that is, the most granular list is stored, and the finest list has a data volume of 400 million per month, which is 4.8 billion in one year, thus resulting in Excessive use of storage resources, and also reduce the speed of data calls during empirical analysis.

technical problem

In the prior art, the indiscriminate storage of policy data causes the storage resource to be occupied too much, and the data calling speed is too slow.

Technical solution

A first aspect of the embodiment of the present application provides a policy data storage method, including:

Obtaining policy data under the policy data dimension and generation time of policy data under the policy data dimension;

Determining whether the difference duration between the generation time of the policy data and the current time is greater than or equal to a preset difference duration;

When the difference between the generation time of the policy data and the current time is greater than or equal to the preset difference duration, the policy data in the policy data dimension is filtered according to a preset dimension, and the filtered policy is stored. Policy data under the data dimension;

The policy data is stored when the difference between the generation time of the policy data and the current time is less than the preset difference duration.

A second aspect of the embodiments of the present application provides a policy data storage device, including:

a policy data obtaining unit, configured to obtain policy data under a policy data dimension and a generation time of policy data in the policy data dimension;

a difference duration determining unit, configured to determine whether a difference duration between the generation time of the policy data and the current time is greater than or equal to a preset difference duration;

The policy data filtering storage unit is configured to: when the duration of the difference between the generation time of the policy data and the current time is greater than or equal to a preset difference duration, filter policy data in the policy data dimension according to a preset dimension, And storing the filtered policy data under the policy data dimension;

The policy data storage unit is configured to store the policy data when the difference between the generation time of the policy data and the current time is less than a preset difference duration.

A third aspect of an embodiment of the present application provides a terminal device including a memory, a processor, and computer readable instructions stored in the memory and executable on the processor, the processor executing the computer The following steps are implemented when the instructions are readable:

Obtaining policy data under the policy data dimension and generation time of policy data under the policy data dimension;

Determining whether the difference duration between the generation time of the policy data and the current time is greater than or equal to a preset difference duration;

When the difference between the generation time of the policy data and the current time is greater than or equal to the preset difference duration, the policy data in the policy data dimension is filtered according to a preset dimension, and the filtered policy is stored. Policy data under the data dimension;

The policy data is stored when the difference between the generation time of the policy data and the current time is less than the preset difference duration.

A fourth aspect of the embodiments of the present application provides a computer readable storage medium storing computer readable instructions that, when executed by a processor, implement the following steps:

Obtaining policy data under the policy data dimension and generation time of policy data under the policy data dimension;

Determining whether the difference duration between the generation time of the policy data and the current time is greater than or equal to a preset difference duration;

When the difference between the generation time of the policy data and the current time is greater than or equal to the preset difference duration, the policy data in the policy data dimension is filtered according to a preset dimension, and the filtered policy is stored. Policy data under the data dimension;

The policy data is stored when the difference between the generation time of the policy data and the current time is less than the preset difference duration.

Beneficial effect

Compared with the prior art, the embodiment of the present application has the beneficial effect that since the policy data is stored in relation to the generation time and the policy data dimension in which the policy data is stored, the guaranteed policy data is recently generated and preset. The policy data under the dimension, and the policy data under the preset dimension are all useful data for subsequent experience analysis, which greatly reduces the useless policy data, saves storage space, and improves the calling speed of policy data.

DRAWINGS

In order to more clearly illustrate the technical solutions in the embodiments of the present application, the drawings used in the embodiments or the prior art description will be briefly described below. Obviously, the drawings in the following description are only the present application. For some embodiments, other drawings may be obtained from those of ordinary skill in the art without departing from the drawings.

1 is a flowchart of a policy data storage method provided by an embodiment of the present application;

2 is a schematic structural diagram of a policy data storage device according to an embodiment of the present application;

FIG. 3 is a schematic diagram of a terminal device according to an embodiment of the present application.

Embodiments of the invention

In the following description, for purposes of illustration and description However, it will be apparent to those skilled in the art that the present invention may be practiced in other embodiments without these specific details. In other instances, detailed descriptions of well-known systems, devices, circuits, and methods are omitted so as not to obscure the description of the application.

In order to explain the technical solutions described in the present application, the following description will be made by way of specific embodiments.

FIG. 1 is a flowchart of a policy data storage method provided by an embodiment of the present application, which is described in detail as follows:

In step S11, the policy data under the policy data dimension and the generation time of the policy data under the policy data dimension are obtained.

The policy data dimension includes at least one of the following:

Insurance type, age of the insured, sex of the insured, occupation of the insured, information of the service personnel, number of contributions, premium paid, amount of claims, number of claims, security cost, effective insured amount, risk insured amount, cash value , effective elapsed time, reserve, and transmission rate data. In each policy data dimension, corresponding to the policy data storing the same or different generation time, for example, in the policy data dimension of the age of the insured, the values corresponding to the ages of different insured persons are stored, such as 18, 20, etc. Of course, due to different policy data, the corresponding generation time is likely to be different. Therefore, when acquiring a policy data, it is also necessary to acquire the generation time of the policy data, so as to subsequently select whether to store the policy. data. Of course, since the policy data is combined with the policy data dimension, when the policy data is acquired, the policy data dimension corresponding to the policy data is also obtained. For example, when the policy data “18” is obtained, the policy data is acquired. 18" corresponds to the policy data dimension "the age of the insured", in addition, this step also needs to obtain the generation time of the policy data "18".

The generation time of the policy data includes information such as year, month, and day.

Optionally, since the statistics of the policy data are usually performed on a monthly basis, step S11 may be performed on a specified date at the beginning of the month or the end of the month, so as to avoid frequent calculations occupying too many resources of the system.

Step S12: Determine whether the difference duration between the generation time of the policy data and the current time is greater than or equal to a preset difference duration.

After analysis, the stored policy data is mainly used for empirical analysis (empirical analysis including surrender analysis, claims analysis, estimated sending claims analysis, etc.), and the generation time is the recent policy data and the policy data with long generation time. The role of the analysis is different. For example, the more accurate the empirical analysis obtained from the policy data, the smaller the difference between the generation time and the current time (that is, the closer to the current time), the more accurate the result will be for subsequent work. On the contrary, according to the generation time and The more accurate the difference between the current time (ie, the longer the current time), the less accurate the result of the empirical analysis, and the less effective it is. Therefore, the policy data can be selected according to the different generation time of the policy data. Different operations.

Optionally, the preset difference duration is 3 months.

In step S13, when the difference between the generation time of the policy data and the current time is greater than or equal to the preset difference duration, the policy data in the policy data dimension is filtered according to the preset dimension, and the filtered Policy data under the policy data dimension.

Optionally, the preset dimension is determined according to an empirical analysis requirement. The preset dimension here mainly refers to the preset dimension used to filter the policy data dimension, which is a part of the dimension in the policy data dimension. After analysis, it is known that when the surrender analysis is to be carried out, such as analyzing the surrender volatility of certain types of insurance, it is mainly to determine which age groups and which occupations have higher surrender rates, which time period occurs, and what is the proportion? , the ring ratio, the value of the year-on-year, etc., so that users can view. At this point, you only need to enter the insurance type, the analysis time period, the analyzed policy data dimensions such as age, position parameters, data source insurance type, annual, occupation, and statistical date summary data to obtain the above results.

Optionally, the preset dimension includes at least one of the following types: insurance, age of the insured, gender, occupation, accumulated premium payment, service personnel information, insurance level, and number of copies. Of course, the preset dimension can also add or delete some dimensions according to the actual experience. However, since the empirical analysis does not require policy data in the dimensions such as the policy number and the effective date, the preset dimension does not include the policy number and takes effect. Policy data dimensions such as dates.

In this step, the policy data corresponding to the same policy data dimension as the preset dimension is retained, and the policy data corresponding to the remaining policy data dimensions is deleted, so that the policy data can be effectively reduced, for example, the finest list (policy) data is assumed. The amount reaches 400 million per month, and the amount of data after streamlining is only 100,000. That is, through the above-mentioned streamlined method, the same storage space can be used to store longer-term policy data, and less data volume is easy to improve. The speed at which data is extracted.

Step S14: The policy data is stored when the difference between the generation time of the policy data and the current time is less than the preset difference duration.

In this step, if it is determined that the generation time of the policy data is very close to the current time, the policy data is not filtered and stored directly to provide more detailed policy data for subsequent refinement analysis.

Optionally, after the step S13, or after the step S14, the method includes:

A1. Receiving an experience analysis instruction, extracting policy data corresponding to the time period according to the empirical analysis instruction, and processing the extracted policy data to obtain a corresponding processing result. Among them, the empirical analysis instructions include but are not limited to: the surrender analysis instruction, the claims analysis instruction, and the estimated transmission compensation analysis instruction. Of course, the empirical analysis instruction also carries the time period information to be analyzed and the policy data under the policy data dimension to be extracted, so that the corresponding policy can be extracted from the policy data dimension to be extracted according to the time period information to be analyzed. Data, and then analyze the corresponding data processing algorithm according to the experience to process the policy data, and then obtain the corresponding processing result. Optionally, after the processing result is generated, if a download instruction issued by the user is received, the generated processing result is stored in a storage location specified by the download instruction, so that the user can view it at any time.

A2, the processing result is displayed.

Specifically, the obtained processing result is displayed on the interface, and the specific display manner may be displayed in the form of a table, or displayed in a graphical manner.

In the embodiment of the present application, the policy data under the policy data dimension and the policy data generation time in the policy data dimension are obtained, and it is determined whether the difference time between the generation time of the policy data and the current time is greater than or equal to a preset time. When the difference between the generation time of the policy data and the current time is greater than or equal to the preset difference duration, the policy data in the policy data dimension is filtered according to a preset dimension, and stored and filtered. The policy data in the policy data dimension stores the policy data when the difference between the generation time of the policy data and the current time is less than a preset difference duration. Since the policy data is stored in relation to its generation time and the policy data dimension in which it is located, the guaranteed policy data is the policy data generated in the recently generated and preset dimensions, and the policy data in the preset dimension is It is useful for subsequent empirical analysis, which greatly reduces useless policy data, saves storage space, and increases the speed of policy data calls.

It should be understood that the size of the sequence of the steps in the above embodiments does not mean that the order of execution is performed. The order of execution of each process should be determined by its function and internal logic, and should not be construed as limiting the implementation process of the embodiments of the present application.

FIG. 2 is a schematic structural diagram of a policy data storage device according to an embodiment of the present application. The policy data storage device includes: a policy data acquiring unit 21, a difference duration determining unit 22, a policy data filtering storage unit 23, and a policy. Data storage unit 24. among them:

The policy data obtaining unit 21 is configured to obtain policy data under the policy data dimension and a generation time of the policy data in the policy data dimension.

The policy data dimension includes at least one of the following:

Insurance type, age of the insured, sex of the insured, occupation of the insured, information of the service personnel, number of contributions, premium paid, amount of claims, number of claims, security cost, effective insured amount, risk insured amount, cash value , effective elapsed time, reserve, and transmission rate data.

Of course, since the policy data is combined with the policy data dimension, when the policy data is acquired, the policy data dimension corresponding to the policy data is also obtained.

The generation time of the policy data includes information such as year, month, and day.

Alternatively, since the statistics of the policy data are usually performed on a monthly basis, the policy data acquiring unit 21 can be executed at a specified date on the beginning of the month or the end of the month, so as to avoid frequent calculation of excessive resources of the system.

The difference duration determining unit 22 is configured to determine whether the difference duration between the generation time of the policy data and the current time is greater than or equal to a preset difference duration.

Optionally, the preset difference duration is 3 months.

The policy data filtering storage unit 23 is configured to filter the policy data in the policy data dimension according to a preset dimension when the difference between the generation time of the policy data and the current time is greater than or equal to a preset difference duration. And storing the policy data under the filtered policy data dimension.

Specifically, the policy data corresponding to the same policy data dimension as the preset dimension is retained, and the policy data corresponding to the remaining policy data dimensions is deleted, so that the policy data can be effectively streamlined.

Optionally, the preset dimension is determined according to an empirical analysis requirement. The preset dimension here mainly refers to the preset dimension used to filter the policy data dimension, which is a part of the dimension in the policy data dimension.

Optionally, the preset dimension includes at least one of the following types: insurance, age of the insured, gender, occupation, accumulated premium payment, service personnel information, insurance level, and number of copies. Of course, the preset dimension can also add or delete some dimensions according to the actual experience. However, since the empirical analysis does not require policy data in the dimensions such as the policy number and the effective date, the preset dimension does not include the policy number and takes effect. Policy data dimensions such as dates.

The policy data storage unit 24 is configured to store the policy data when the difference between the generation time of the policy data and the current time is less than a preset difference duration.

Optionally, the policy data storage device includes:

The empirical analysis instruction receiving unit is configured to receive an empirical analysis instruction, extract policy data corresponding to the time period according to the empirical analysis instruction, and process the extracted policy data to obtain a corresponding processing result. Among them, the empirical analysis instructions include but are not limited to: the surrender analysis instruction, the claims analysis instruction, and the estimated transmission compensation analysis instruction. Of course, the empirical analysis instruction also carries the time period information to be analyzed and the policy data under the policy data dimension to be extracted.

Optionally, after the processing result is generated, if a download instruction issued by the user is received, the generated processing result is stored in a storage location specified by the download instruction, so that the user can view it at any time.

Processing result display unit for displaying the processing result.

Specifically, the obtained processing result is displayed on the interface, and the specific display manner may be displayed in the form of a table, or displayed in a graphical manner.

In the embodiment of the present application, since the policy data is stored in relation to the generation time and the policy data dimension of the policy, the guaranteed policy data is the policy data generated recently and in the preset dimension, and the preset data is preset. The policy data in the dimension is useful for subsequent empirical analysis, which greatly reduces useless policy data, saves storage space, and improves the call speed of policy data.

FIG. 3 is a schematic diagram of a terminal device according to an embodiment of the present application. As shown in FIG. 3, the terminal device 3 of this embodiment includes a processor 30, a memory 31, and computer readable instructions 32 stored in the memory 31 and operable on the processor 30. When the processor 30 executes the computer readable instructions 32, the steps in the embodiments of the above policy data storage methods are implemented, such as steps S11 to S14 shown in FIG. Alternatively, when the processor 30 executes the computer readable instructions 32, the functions of the modules/units in the above various device embodiments are implemented, such as the functions of the modules 21 to 24 shown in FIG.

Illustratively, the computer readable instructions 32 may be partitioned into one or more modules/units that are stored in the memory 31 and executed by the processor 30, To complete this application. For example, the computer readable instructions 32 may be divided into a policy data acquisition unit, a difference duration determination unit, a policy data filter storage unit, a policy data storage unit (a module in a virtual device), and the specific functions of each module are as follows:

a policy data obtaining unit, configured to obtain policy data under a policy data dimension and a generation time of policy data in the policy data dimension;

a difference duration determining unit, configured to determine whether a difference duration between the generation time of the policy data and the current time is greater than or equal to a preset difference duration;

The policy data filtering storage unit is configured to: when the duration of the difference between the generation time of the policy data and the current time is greater than or equal to a preset difference duration, filter policy data in the policy data dimension according to a preset dimension, And storing the filtered policy data under the policy data dimension;

The policy data storage unit is configured to store the policy data when the difference between the generation time of the policy data and the current time is less than a preset difference duration.

The terminal device 3 may be a computing device such as a desktop computer, a notebook, a palmtop computer, and a cloud server. The terminal device may include, but is not limited to, a processor 30, a memory 31. It will be understood by those skilled in the art that FIG. 3 is only an example of the terminal device 3, does not constitute a limitation of the terminal device 3, may include more or less components than those illustrated, or combine some components, or different components. For example, the terminal device may further include an input/output device, a network access device, a bus, and the like.

The so-called processor 30 can be a central processing unit (Central Processing Unit, CPU), can also be other general-purpose processors, digital signal processors (DSP), application specific integrated circuits (Application Specific Integrated Circuit (ASIC), Field-Programmable Gate Array (FPGA) or other programmable logic device, discrete gate or transistor logic device, discrete hardware components, etc. The general purpose processor may be a microprocessor or the processor or any conventional processor or the like.

The memory 31 may be an internal storage unit of the terminal device 3, such as a hard disk or a memory of the terminal device 3. The memory 31 may also be an external storage device of the terminal device 3, for example, a plug-in hard disk equipped on the terminal device 3, a smart memory card (SMC), and a secure digital (SD). Card, flash card (Flash Card) and so on. Further, the memory 31 may also include both an internal storage unit of the terminal device 3 and an external storage device. The memory 31 is configured to store the computer readable instructions and other programs and data required by the terminal device. The memory 31 can also be used to temporarily store data that has been output or is about to be output.

It will be clearly understood by those skilled in the art that, for convenience and brevity of description, only the division of each functional unit and module described above is exemplified. In practical applications, the above functions may be assigned to different functional units according to needs. The module is completed by dividing the internal structure of the device into different functional units or modules to perform all or part of the functions described above. Each functional unit and module in the embodiment may be integrated into one processing unit, or each unit may exist physically separately, or two or more units may be integrated into one unit, and the integrated unit may be implemented by hardware. Formal implementation can also be implemented in the form of software functional units. In addition, the specific names of the respective functional units and modules are only for the purpose of facilitating mutual differentiation, and are not intended to limit the scope of protection of the present application. For the specific working process of the unit and the module in the foregoing system, reference may be made to the corresponding process in the foregoing method embodiment, and details are not described herein again.

In the above embodiments, the descriptions of the various embodiments are different, and the parts that are not detailed or described in the specific embodiments may be referred to the related descriptions of other embodiments.

Those of ordinary skill in the art will appreciate that the elements and algorithm steps of the various examples described in connection with the embodiments disclosed herein can be implemented in electronic hardware or a combination of computer software and electronic hardware. Whether these functions are performed in hardware or software depends on the specific application and design constraints of the solution. A person skilled in the art can use different methods to implement the described functions for each particular application, but such implementation should not be considered to be beyond the scope of the present application.

In the embodiments provided by the present application, it should be understood that the disclosed device/terminal device and method may be implemented in other manners. For example, the device/terminal device embodiments described above are merely illustrative. For example, the division of the modules or units is only a logical function division. In actual implementation, there may be another division manner, for example, multiple units. Or components may be combined or integrated into another system, or some features may be omitted or not performed. In addition, the mutual coupling or direct coupling or communication connection shown or discussed may be an indirect coupling or communication connection through some interface, device or unit, and may be in electrical, mechanical or other form.

The units described as separate components may or may not be physically separated, and the components displayed as units may or may not be physical units, that is, may be located in one place, or may be distributed to multiple network units. Some or all of the units may be selected according to actual needs to achieve the purpose of the solution of the embodiment.

In addition, each functional unit in each embodiment of the present application may be integrated into one processing unit, or each unit may exist physically separately, or two or more units may be integrated into one unit. The above integrated unit can be implemented in the form of hardware or in the form of a software functional unit.

The integrated modules/units, if implemented in the form of software functional units and sold or used as separate products, may be stored in a computer readable storage medium. Based on such understanding, the present application implements all or part of the processes in the foregoing embodiments, and may also be implemented by computer readable instructions, which may be stored in a computer readable storage medium. The computer readable instructions, when executed by a processor, may implement the steps of the various method embodiments described above. The computer readable medium can include any entity or device capable of carrying the computer readable instruction code, a recording medium, a USB flash drive, a removable hard drive, a magnetic disk, an optical disk, a computer memory, a read only memory (ROM, Read-Only) Memory), random access memory (RAM, Random) Access Memory), electrical carrier signals, telecommunications signals, and software distribution media. It should be noted that the content contained in the computer readable medium may be appropriately increased or decreased according to the requirements of legislation and patent practice in a jurisdiction, for example, in some jurisdictions, according to legislation and patent practice, computer readable media Does not include electrical carrier signals and telecommunication signals.

The above-mentioned embodiments are only used to explain the technical solutions of the present application, and are not limited thereto; although the present application has been described in detail with reference to the foregoing embodiments, those skilled in the art should understand that they can still implement the foregoing embodiments. The technical solutions described in the examples are modified or equivalently replaced with some of the technical features; and the modifications or substitutions do not deviate from the spirit and scope of the technical solutions of the embodiments of the present application, and should be included in Within the scope of protection of this application.

Claims (20)

1. A policy data storage method, comprising:

   Obtaining policy data under the policy data dimension and generation time of policy data under the policy data dimension;

   Determining whether the difference duration between the generation time of the policy data and the current time is greater than or equal to a preset difference duration;

   When the difference between the generation time of the policy data and the current time is greater than or equal to the preset difference duration, the policy data in the policy data dimension is filtered according to a preset dimension, and the filtered policy is stored. Policy data under the data dimension;

   The policy data is stored when the difference between the generation time of the policy data and the current time is less than the preset difference duration.
2. The policy data storage method according to claim 1, wherein the policy data dimension comprises at least one of the following:

   Insurance type, age of the insured, sex of the insured, occupation of the insured, information of the service personnel, number of contributions, premium paid, amount of claims, number of claims, security cost, effective insured amount, risk insured amount, cash value , effective elapsed time, reserve, and transmission rate data.
3. The policy data storage method according to claim 1 or 2, wherein the policy data under the policy data dimension is filtered according to a preset dimension, and the policy under the policy data dimension is filtered. After the data, or after the storing the policy data, the method includes:

   Receiving an empirical analysis instruction, extracting policy data corresponding to the time period according to the empirical analysis instruction, and processing the extracted policy data to obtain a corresponding processing result;

   The processing result is displayed.
4. The policy data storage method according to claim 1, wherein the preset dimension is determined according to an empirical analysis requirement.
5. The policy data storage method according to claim 4, wherein the preset dimension comprises at least one of the following types: insurance type, age of insured person, gender, occupation, accumulated period premium, service personnel information, insurance The level of the hierarchy and the number of copies.
6. A policy data storage device, comprising:

   a policy data obtaining unit, configured to obtain policy data under a policy data dimension and a generation time of policy data in the policy data dimension;

   a difference duration determining unit, configured to determine whether a difference duration between the generation time of the policy data and the current time is greater than or equal to a preset difference duration;

   The policy data filtering storage unit is configured to: when the duration of the difference between the generation time of the policy data and the current time is greater than or equal to a preset difference duration, filter policy data in the policy data dimension according to a preset dimension, And storing the filtered policy data under the policy data dimension;

   The policy data storage unit is configured to store the policy data when the difference between the generation time of the policy data and the current time is less than a preset difference duration.
7. The policy data storage device of claim 6, wherein the policy data dimension comprises at least one of the following:

   Insurance type, age of the insured, sex of the insured, occupation of the insured, information of the service personnel, number of contributions, premium paid, amount of claims, number of claims, security cost, effective insured amount, risk insured amount, cash value , effective elapsed time, reserve, and transmission rate data.
8. The policy data storage device according to claim 6 or 7, wherein the policy data storage device comprises:

   The empirical analysis instruction receiving unit is configured to receive an empirical analysis instruction, extract policy data corresponding to the time period according to the empirical analysis instruction, and process the extracted policy data to obtain a corresponding processing result;

   Processing result display unit for displaying the processing result.
9. The policy data storage device of claim 6 wherein said predetermined dimension is determined based on an empirically analyzed requirement.
10. The policy data storage device according to claim 9, wherein the preset dimension comprises at least one of the following types: insurance type, age of insured person, gender, occupation, accumulated period premium, service personnel information, insurance The level of the hierarchy and the number of copies.
11. A terminal device comprising a memory, a processor, and computer readable instructions stored in the memory and operable on the processor, wherein the processor executes the computer readable instructions as follows step:

    Obtaining policy data under the policy data dimension and generation time of policy data under the policy data dimension;

    Determining whether the difference duration between the generation time of the policy data and the current time is greater than or equal to a preset difference duration;

    When the difference between the generation time of the policy data and the current time is greater than or equal to the preset difference duration, the policy data in the policy data dimension is filtered according to a preset dimension, and the filtered policy is stored. Policy data under the data dimension;

    The policy data is stored when the difference between the generation time of the policy data and the current time is less than the preset difference duration.
12. The terminal device according to claim 11, wherein the policy data dimension comprises at least one of the following:

    Insurance type, age of the insured, sex of the insured, occupation of the insured, information of the service personnel, number of contributions, premium paid, amount of claims, number of claims, security cost, effective insured amount, risk insured amount, cash value , effective elapsed time, reserve, and transmission rate data.
13. The terminal device according to claim 11 or 12, wherein the policy data under the policy data dimension is filtered according to a preset dimension, and the policy data under the filtered policy data dimension is stored Or after the storing the policy data, including:

    Receiving an empirical analysis instruction, extracting policy data corresponding to the time period according to the empirical analysis instruction, and processing the extracted policy data to obtain a corresponding processing result;

    The processing result is displayed.
14. The terminal device according to claim 11, wherein the preset dimension is determined according to an empirically analyzed requirement.
15. The terminal device according to claim 14, wherein the preset dimension comprises at least one of the following types: insurance type, age of insured person, gender, occupation, accumulated period premium, service personnel information, and insured level And the number of copies.
16. A computer readable storage medium storing computer readable instructions, wherein the computer readable instructions, when executed by a processor, implement the following steps:

    Obtaining policy data under the policy data dimension and generation time of policy data under the policy data dimension;

    Determining whether the difference duration between the generation time of the policy data and the current time is greater than or equal to a preset difference duration;

    When the difference between the generation time of the policy data and the current time is greater than or equal to the preset difference duration, the policy data in the policy data dimension is filtered according to a preset dimension, and the filtered policy is stored. Policy data under the data dimension;

    The policy data is stored when the difference between the generation time of the policy data and the current time is less than the preset difference duration.
17. The computer readable storage medium of claim 16 wherein the policy data dimension comprises at least one of the following:

    Insurance type, age of the insured, sex of the insured, occupation of the insured, information of the service personnel, number of contributions, premium paid, amount of claims, number of claims, security cost, effective insured amount, risk insured amount, cash value , effective elapsed time, reserve, and transmission rate data.
18. The computer readable storage medium according to claim 16 or 17, wherein the policy data under the policy data dimension is filtered according to a preset dimension, and the filtered policy data dimension is stored. After the policy data, or after the storing the policy data, the method includes:

    Receiving an empirical analysis instruction, extracting policy data corresponding to the time period according to the empirical analysis instruction, and processing the extracted policy data to obtain a corresponding processing result;

    The processing result is displayed.
19. The computer readable storage medium of claim 16 wherein the predetermined dimension is determined based on an empirically analyzed need.
20. The computer readable storage medium according to claim 19, wherein the preset dimension comprises at least one of the following: insurance, age of the insured, gender, occupation, accumulated premium payment, service personnel information, The coverage level and the number of copies.