WO2019075972A1 - 基于无理赔的优惠数据生成方法及装置 - Google Patents

基于无理赔的优惠数据生成方法及装置 Download PDF

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WO2019075972A1
WO2019075972A1 PCT/CN2018/076382 CN2018076382W WO2019075972A1 WO 2019075972 A1 WO2019075972 A1 WO 2019075972A1 CN 2018076382 W CN2018076382 W CN 2018076382W WO 2019075972 A1 WO2019075972 A1 WO 2019075972A1
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insured
information
preferential
premium
year
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French (fr)
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黄雪娇
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Ping An Technology Shenzhen Co Ltd
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Ping An Technology Shenzhen Co Ltd
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    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/08—Insurance

Definitions

  • the present application relates to the field of data processing technologies, and in particular, to a method and an apparatus for generating preferential data based on no claims.
  • the no-compensation offer means that the insured person does not have a claim in the previous or more years of protection, and can enjoy the premium discount in the next year according to the number of unrequited years, so that the unrequited customer can continue to pay according to the premium discount provided by the insurance company. Premium.
  • the present application provides a method and an apparatus for generating preferential data based on no claims, the main purpose of which is that the existing renewal insurance premium for the unrecognized insured person consumes a large amount of labor cost because the number of insured customers is too large. At the same time, it also increases the probability of occurrence of calculation errors, resulting in low efficiency of the calculation of preferential data, affecting the renewal of customers.
  • a method for generating offer data based on no claims including:
  • the information of the sub-contract includes the insured product of the insured insured and the standard premium of the insured product;
  • the preferential data is generated according to the split information, the to-be-insured year, and the preferential premium calculation strategy.
  • the method further includes:
  • the policy information includes a claim situation of different insured person's order information, an insured product, and a standard premium of the insured product;
  • the information of obtaining the insured's policy and the year to be insured include:
  • the insured product corresponding to the unclaimed insured person and the standard premium of the insured product are extracted from the information of the insured, and the insured year of receiving the input is received. .
  • the generating the preferential data according to the split information, the to-be-insured year, and the preferential premium calculation strategy includes:
  • n is the year to be insured
  • A is the standard premium
  • i is the variable
  • C is the insured product parameter
  • a 1 and a 2 are preset discount parameters.
  • the method further includes:
  • the discount parameter in the preferential premium calculation formula is adjusted according to the preset primary insurance corresponding relationship, and the preset primary insurance corresponding relationship is different main insurance risks. Correspondence with different discount parameters.
  • the method further includes:
  • a device for generating benefit data based on no claims including:
  • the obtaining unit is configured to obtain the information of the insured person's policy and the year to be insured, the information of the order includes the insured product of the insured insured and the standard premium of the insured product;
  • a generating unit configured to generate the preferential data according to the information about the order, the year to be insured, and the preferential premium calculation strategy.
  • the device further includes: an update unit,
  • the update unit is configured to update the policy information, where the policy information includes a claim situation of different insured person's split information, an insured product, and a standard premium of the insured product;
  • the obtaining unit is specifically configured to: when it is determined that the claim situation in the insured person's information is unreasonable, extract the insured product corresponding to the unclaimed insured and the standard premium of the insured product from the split information, And receive the entered year of insured.
  • the generating unit includes:
  • a determining module configured to determine the insured product, the standard premium, and the to-be-insured year as calculation parameters of a preferential premium calculation formula
  • a generating module configured to generate the preferential data by running the preferential premium calculation formula
  • n is the year to be insured
  • A is the standard premium
  • i is the variable
  • C is the insured product parameter
  • a 1 and a 2 are preset discount parameters.
  • the device further includes:
  • the adjusting module is configured to adjust a discount parameter in the preferential premium calculation formula according to a preset main insurance risk corresponding relationship, if the main insurance risk serial number is detected in the split information, the preset main insurance corresponding relationship Correspondence between different main insurance and different discount parameters.
  • the device further includes:
  • a storage unit configured to receive policy information input by different policy applicants for the first time, and store the order information, the main insurance risk serial number, and the insurance year in the policy information in a test database according to a loop loop instruction, so that when a claim situation occurs , update the processing information of different users.
  • a storage medium having stored therein at least one executable instruction, the executable instruction causing a processor to execute a method corresponding to the generation of the claim-based preferential data operating.
  • a server including: a processor, a memory, a communication interface, and a communication bus, wherein the processor, the memory, and the communication interface complete mutual communication through the communication bus ;
  • the memory is configured to store at least one executable instruction that causes the processor to perform an operation corresponding to the method for generating the above-described claims-free offer data.
  • the technical solution provided by the embodiment of the present application has at least the following advantages:
  • the application provides a method and a device for generating preferential data based on no claims, first obtaining the information of the policy of the insured person's policy and the year to be insured, and the information of the order includes the insured product of the insured insured and the insured product.
  • the standard premium of the insured product is described, and then the preferential data is generated according to the split information, the to-be-insured year, and the preferential premium calculation strategy.
  • the renewal premiums for the unrecognized insured person calculate a large amount of labor costs, and also increase the probability of calculation errors, resulting in low efficiency of preferential data calculation and affecting customers' continuation.
  • the embodiment of the present application automatically generates preferential premium data by acquiring the insured person's information and the insured year, and combines the preferential premium calculation strategy to reduce the manual operation, avoiding the labor cost and the preferential treatment when calculating a large number of preferential premiums.
  • the automatic generation of premiums increases the efficiency of the generation of preferential data.
  • FIG. 1 is a flowchart of a method for generating preferential data based on no claims according to an embodiment of the present application
  • FIG. 2 is a flowchart of another method for generating non-claim-based preferential data according to an embodiment of the present application
  • FIG. 3 is a block diagram of a device for generating discount-based preferential data according to an embodiment of the present application
  • FIG. 4 is a block diagram of another apparatus for generating non-claim-based preferential data according to an embodiment of the present application.
  • FIG. 5 is a schematic diagram of a server provided by an embodiment of the present application.
  • the embodiment of the present application provides a method for generating preferential data based on no claims. As shown in FIG. 1 , the method includes:
  • the information of the sub-contract includes the insured product of the unclaimed insured and the standard premium of the insured product, and the insured product of the insured and the standard premium of the insured product are stored in the insured person.
  • the insured person is the insured, which refers to the person who has the right to claim the insurance money after the insurance accident occurs according to the insurance contract, and the insured person's insurance information is stored in the information of the insured.
  • the insured product, the standard premium of the insured product, the effective time of the insured person, the expiration time, the insured time, the application time, and the like are not specifically limited in the embodiment of the present application.
  • the unreasonable claim is that no claim event occurs during the insured's insurance period, and is generally recorded in the claim record in the split information. If there is no claim record, it indicates no claim.
  • the insured year is the insured year of the toll payment input through the terminal device, which may be 3 years or 5 years, and the embodiment of the present application does not specifically limit.
  • the insured is the person who delivers the premium.
  • the insured and the insured may be the same person, or may not be the same person.
  • One insured may insure multiple people, that is, when the customer is insured.
  • An insured customer generates a policy corresponding to a policy number, in which the policy includes information for the insured to insure all insured persons, and each insured generates a sub-order corresponding to a sub-order number, for example, in a policy Insured by family, the family buys, the policy number is one, Zhang is insured for himself, his wife and his children, generating a policy number 0001025, Zhang's own order number can be 0001025-01, The wife's order number can be 0001025-02, and the child's order number can be 0001025-03.
  • Each corresponding order has a product insured by each insured.
  • the preferential premium calculation strategy may be a discount relationship corresponding to the to-be-insured year in the insurance information, or may be a specific preferential premium calculation formula, which is not specifically limited in the embodiment of the present application.
  • the preferential premium calculation strategy can be set by pre-setting the insured product and the annual discount ratio to be insured, the product parameter H703 corresponding to the insured product, and the input to be insured for 3 years, according to the set discount ratio.
  • the first year of renewal will enjoy 10% off, the second year will be renewed and enjoy 20% off, and the third year will be renewed and enjoy 30% off.
  • the larger the annual insurance coverage, the larger the discount the specific examples of this application are not limited.
  • the insurance company has a large number of insurance products and the product names are similar, such as critical illness insurance and disease insurance, although the diseases that need to be settled are different, the product names are similar, in order to distinguish, for each
  • the insurance product configuration corresponds to the insured product parameters, so that when the script program is written, the matching search is directly performed in the form of data.
  • the preferential premium calculation strategy can be configured according to different insurance products, different standard premiums and different insurance annual configurations.
  • the specific discount correspondence can be written in the system background by the script code, so that When the insurance staff calculates the preferential premium, the insured person's information and the year to be insured can be directly input through the terminal.
  • the current method can be directly operated in the system of the terminal, and the non-claim-based preferential data in the embodiment is directly executed. Generate methods to calculate the premiums.
  • the method for generating the unclaimed benefit data according to the embodiment of the present application can be embedded in any one of the insurance data processing systems to implement premium calculation as a function in the system.
  • the present application provides a method for generating preferential data based on no claims, and the existing renewal insurance premium for the unclaimed insured person consumes a large amount of labor cost, and also increases the occurrence calculation.
  • the probability of error causes the calculation efficiency of the preferential data to be low, which affects the renewal of the customer.
  • the embodiment of the present application automatically generates the preferential premium data by combining the information of the insured person's information and the year of the insured. Reduce the manual operation, avoid the labor cost when calculating a large number of preferential premiums, and realize the automatic generation of preferential premiums, thereby improving the efficiency of generating preferential data.
  • the embodiment of the present application provides another method for generating preferential data based on no claims. As shown in FIG. 2, the method includes:
  • the policy information input for the first time is generally the insurance information generated when the policyholder performs the insurance, including the information of the different insured persons, the main insurance number, and the insurance year.
  • the main insurance serial number is the main insurance serial number and the attached insurance serial number.
  • the attached insurance refers to the additional insurance that needs to be effective under the condition that the main insurance is established. If there is a main insurance in the policy, the corresponding main will be generated. Attached to the insurance number.
  • a test data table will be generated in the order of the policy according to the Loop loop instruction method, as shown in Table 1.
  • Table 1 As shown, if you make a premium for a batch, you can extract data directly from this table when you call the data. You do not need to enter the parameters.
  • the main insurance number can be found, the step of performing the premium calculation through the Loop loop, and the executed data, returning the executed mark, and updating to the test data table until all the data After the execution is completed, the program is exited, that is, the generation of the batch premium is implemented, which is not specifically limited in the embodiment of the present application.
  • the policy information includes the claim situation of the different insured person's order information, the insured product, and the standard premium of the insured product.
  • the insured information of the different insured persons in the policy information needs to update the claims, the insured products, and the standard premiums of the insured products.
  • the updated time may be updated when the policy insured renews the fee, and may also be updated when the insured person has a claim situation, which is not specifically limited in the embodiment of the present application.
  • the insured product corresponding to the unclaimed insured person and the standard premium of the insured product are extracted from the information of the insured, and the input and the input are to be taken. Guaranteed year.
  • the staff member needs to update the claim record in the insured person's split information, so as to record the claim situation, such as the claim settlement time, the amount of the insured product claim, etc., stored in the system database.
  • the corresponding relationship can be queried through the data list form, for example, by detecting whether the corresponding content in the claim case is empty, to determine whether the claim is present, and if the claim situation is empty, the claim is not present, that is, the slave order information in step 203 can be executed.
  • the insured product parameters corresponding to the unclaimed user, the standard premium for the insured product, and the year to be insured for receiving the input are extracted.
  • the input of the insured year is generally determined by the insured person, and may also be input by the insurance staff at the operation terminal, which is not specifically limited in the embodiment of the present application.
  • the formula for calculating the preferential premium is a formula code written in advance by a computer program, and the specific writing language is not specifically limited, so as to be applicable to different application systems.
  • the premium calculation formula includes the insured product, the standard premium, the insured year, the discount parameter, and the corresponding relationship, so that when the preferential premium calculation formula code is run, the preferential premium is directly calculated.
  • the preferential premium calculation formula includes an insured year, a standard premium, a variable, an insured product parameter, and a preset discount parameter.
  • the names of the insured products need to be corresponding to different insured product parameters, and the insurance company determines the parameters corresponding to different insurance products.
  • the pre-configured insured product parameter needs to be queried from the database.
  • the insured product parameter corresponding to the accident insurance may be 1.3, which is not specifically limited in the embodiment of the present application.
  • the preset primary insurance corresponding relationship is a correspondence between different primary insurance and different discount parameters.
  • the discount parameter is not specifically limited in the embodiment of the present application. For example, if the search for the main insurance number is detected in the split information, the corresponding discount parameter 1.56 is found according to the main risk serial number 1003-203.
  • n is the year to be insured
  • A is the standard premium
  • i is the variable
  • C is the insured product parameter.
  • a 1 and a 2 are preset discount parameters.
  • the insured year is 1, A is 2600, i is 1, C is 0.9, a 1 is 100, and a 2 is 0.5, then the calculated M is 2300.
  • the discount parameter a 1 is a discount parameter that can be adjusted, and the adjustment may be based on whether there is a primary risk serial number, or may be configured according to whether the insured is a VIP customer or the like, and if it is a VIP client, the technology
  • the person can input the change command through the verified identity before the premium is generated, which is not specifically limited in the embodiment of the present application.
  • the configuration is 100
  • the discount parameter a 2 is a fixed discount parameter.
  • the optimal configuration is 0.5.
  • the present application provides another method for generating the benefit data based on the unrecognized claims.
  • the embodiment of the present application uses the insured product, the standard premium, and the insured year of the insured event as the parameters in the formula for calculating the premium. And select the appropriate discount parameters, automatically generate preferential premium data by running the preferential premium calculation formula, without manual calculation, avoiding the labor cost when calculating a large number of preferential premiums, realizing the automatic generation of preferential premiums, and updating the insured person's insurance data in time. It can realize the insured's claim situation without manual detection of the claims event, simplify the calculation steps of the unreasonable discount data, save the manual process, and improve the efficiency of the preferential data generation.
  • the embodiment of the present application provides a device for generating preferential data based on no claims.
  • the device includes: an obtaining unit 31 and a generating unit 32.
  • the obtaining unit 31 is configured to obtain the information of the policy of the insured person's policy and the year to be insured, the information of the order includes the insured product of the unclaimed insured and the standard premium of the insured product; the obtaining unit 31 is The generating device based on the unclaimed preferential data executes a function module for acquiring the information of the insured person's policy and the year to be insured.
  • the generating unit 32 is configured to generate the preferential data according to the information about the order, the year to be insured, and the preferential premium calculation strategy.
  • the generating unit 32 is a function module for generating the discount data according to the order information, the to-be-insured year, and the premium premium calculation strategy.
  • the present application provides a device for generating preferential data based on no claims, and the existing renewal insurance premium for the unresolved insured person consumes a large amount of labor cost due to the excessive number of insured customers, and also increases the occurrence calculation.
  • the probability of error causes the calculation efficiency of the preferential data to be low, which affects the renewal of the customer.
  • the embodiment of the present application automatically generates the preferential premium data by combining the information of the insured person's information and the year of the insured. Reduce the manual operation, avoid the labor cost when calculating a large number of preferential premiums, and realize the automatic generation of preferential premiums, thereby improving the efficiency of generating preferential data.
  • the embodiment of the present application provides another apparatus for generating discount data based on no claims.
  • the apparatus includes: an obtaining unit 41, and a generating unit 42.
  • the obtaining unit 41 is configured to obtain the information of the policy of the insured person's policy and the year to be insured, and the information of the order includes the insured product of the unclaimed insured and the standard premium of the insured product;
  • the generating unit 42 is configured to generate the preferential data according to the split information, the to-be-insured year, and the preferential premium calculation strategy.
  • the device further includes: an updating unit 43,
  • the update unit 43 is configured to update the policy information, where the policy information includes a claim situation of different insured person's order information, an insured product, and a standard premium of the insured product;
  • the obtaining unit 41 is specifically configured to: when it is determined that the claim situation in the insured person's information is unreasonable, extract the insured product corresponding to the unclaimed insured and the standard premium of the insured product from the split information And receive the entered year of insured.
  • the generating unit 42 includes:
  • a determining module 4201 configured to determine the insured product, the standard premium, and the to-be-insured year as calculation parameters of a preferential premium calculation formula
  • a generating module 4202 configured to generate the preferential data by running the preferential premium calculation formula
  • n is the year to be insured
  • A is the standard premium
  • i is the variable
  • C is the insured product parameter
  • a 1 and a 2 are preset discount parameters.
  • the generating unit 42 further includes:
  • the adjusting module 4203 is configured to: if the primary risk serial number is detected in the split information, adjust the discount parameter in the preferential premium calculation formula according to the preset primary insurance corresponding relationship, where the preset main insurance corresponding The relationship is the correspondence between different main insurance and different discount parameters.
  • the device further includes:
  • the storage unit 44 is configured to receive the policy information input by the different policy applicants for the first time, and store the order information, the main insurance number, and the insurance year in the policy information in a test database according to a loop loop instruction, so that the claim situation occurs. At the same time, the information of the different users is updated.
  • the present application provides another apparatus for generating discount-based premium data.
  • the embodiment of the present application uses the insured product, the standard premium, and the insured year of the insured event as the parameters in the preferential premium calculation formula. And select the appropriate discount parameters, automatically generate preferential premium data by running the preferential premium calculation formula, without manual calculation, avoiding the labor cost when calculating a large number of preferential premiums, realizing the automatic generation of preferential premiums, and updating the insured person's insurance data in time. It can realize the insured's claim situation without manual detection of the claims event, simplify the calculation steps of the unclaimed benefit data, save the manual process, and improve the efficiency of the preferential data generation.
  • the embodiment of the present application further provides a computer readable storage medium, where the computer program is stored, and when the program is executed by the processor, the following steps are performed: obtaining an insured policy
  • the information of the order and the year to be insured, the information of the order includes the insured product of the unclaimed insured and the standard premium of the insured product; according to the information of the order, the year of insured and the premium
  • the strategy generates discount data.
  • FIG. 5 a schematic structural diagram of a server provided by an embodiment of the present application is shown in FIG. 5.
  • the specific embodiment of the present application does not implement the specific implementation of the terminal. Make a limit.
  • the server may include a processor 51, a communications interface 52, a memory 53, and a communication bus 54.
  • the processor 51, the communication interface 52, and the memory 53 complete communication with each other via the communication bus 54.
  • the communication interface 54 is configured to communicate with network elements of other devices such as clients or other servers.
  • the processor 51 is configured to execute a program, and specifically may perform related steps in the foregoing method for converting data.
  • the program can include program code, the program code including computer operating instructions.
  • the processor 51 may be a central processing unit CPU, or an Application Specific Integrated Circuit (ASIC), or one or more integrated circuits configured to implement the embodiments of the present application.
  • ASIC Application Specific Integrated Circuit
  • the one or more processors included in the terminal may be the same type of processor, such as one or more CPUs; or may be different types of processors, such as one or more CPUs and one or more ASICs.
  • the memory 53 is configured to store a program.
  • the memory 53 may include a high speed RAM memory and may also include a non-volatile memory such as at least one disk memory.
  • the program may be specifically configured to cause the processor 51 to perform the following operations: obtaining the information of the policy of the insured person's policy and the year to be insured, the information of the order includes the insured product of the unclaimed insured and the standard premium of the insured product. And generating the preferential data according to the split information, the to-be-insured year, and the preferential premium calculation strategy.
  • modules in the devices of the embodiments can be adaptively changed and placed in one or more devices different from the embodiment.
  • the modules or units or components of the embodiments may be combined into one module or unit or component, and further they may be divided into a plurality of sub-modules or sub-units or sub-components.
  • any combination of the features disclosed in the specification, including the accompanying claims, the abstract and the drawings, and any methods so disclosed, or All processes or units of the device are combined.
  • Each feature disclosed in this specification (including the accompanying claims, the abstract and the drawings) may be replaced by alternative features that provide the same, equivalent or similar purpose.
  • the various component embodiments of the present application can be implemented in hardware, or in a software module running on one or more processors, or in a combination thereof.
  • a microprocessor or digital signal processor may be used in practice to implement some or all of the components of the method and apparatus for generating non-claim-based preferential data in accordance with embodiments of the present application.
  • the application can also be implemented as a device or device program (e.g., a computer program and a computer program product) for performing some or all of the methods described herein.
  • Such a program implementing the present application may be stored on a computer readable medium or may be in the form of one or more signals. Such signals may be downloaded from an Internet website, provided on a carrier signal, or provided in any other form.

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Abstract

本申请公开了一种基于无理赔的优惠数据的生成方法及装置，涉及一种数据处理技术领域，主要目的在于现有由于投保客户数量过大，使得对无理赔被保人计算优惠的续保保费消耗大量人工成本，同时还增加了出现计算错误的概率，造成优惠数据计算效率较低，影响客户的续保情况的问题。主要技术方案包括：获取被保人保单的分单信息及待参保年度，所述分单信息包括无理赔被保人的投保产品以及所述投保产品的标准保费；根据所述分单信息、所述待参保年度以及优惠保费计算策略生成优惠数据。主要用于基于无理赔的优惠数据的生成。主要用于基于无理赔的优惠数据的生成。

Description

基于无理赔的优惠数据生成方法及装置
本申请要求与2017年10月20日提交中国专利局、申请号为201710990287.0、发明名称为“基于无理赔的优惠数据生成方法及装置”的中国专利申请的优先权，其全部内容通过引用结合在申请中。
技术领域
本申请涉及一种数据处理技术领域，特别是涉及一种基于无理赔的优惠数据的生成方法及装置。
背景技术
无理赔优惠是指被保人在上一个或多个保障年度没有产生理赔案件，则可以根据无理赔年度的数量在下一年度享受保费折扣，以便无理赔的客户根据保险公司提供的保费折扣继续缴纳保费。
目前，现有的无理赔优惠保费的折扣及每年度续保需要缴纳的费用都是需要人工进行计算的，但是，由于投保客户数量过大，使得对无理赔被保人计算优惠的续保保费消耗大量人工成本，同时还增加了出现计算错误的概率，造成优惠数据计算效率较低，影响客户的续保情况。
发明内容
有鉴于此，本申请提供一种基于无理赔的优惠数据的生成方法及装置，主要目的在于现有由于投保客户数量过大，使得对无理赔被保人计算优惠的续保保费 消耗大量人工成本，同时还增加了出现计算错误的概率，造成优惠数据计算效率较低，影响客户的续保情况的问题。
依据本申请一个方面，提供了一种基于无理赔的优惠数据的生成方法，包括：
获取被保人保单的分单信息及待参保年度，所述分单信息包括无理赔被保人的投保产品以及所述投保产品的标准保费；
根据所述分单信息、所述待参保年度以及优惠保费计算策略生成优惠数据。
进一步地，所述获取被保人保单的分单信息及待参保年度之前，所述方法还包括：
更新所述保单信息，所述保单信息包括不同被保人的分单信息的理赔情况、投保产品、投保产品的标准保费；
所述获取被保人保单的分单信息及待参保年度包括：
当判断出被保人的分单信息中理赔情况为无理赔，则从分单信息中提取无理赔被保人对应的投保产品以及所述投保产品的标准保费，以及接收输入的待参保年度。
进一步地，所述根据所述分单信息、所述待参保年度以及优惠保费计算策略生成优惠数据包括：
将所述投保产品、所述标准保费、所述待参保年度确定为优惠保费计算公式的计算参数；
通过运行所述优惠保费计算公式生成优惠数据；
其中，所述运行所述优惠保费计算公式为：
Figure PCTCN2018076382-appb-000001
n为待参保年度、A为标准保费、i为变量、C为投保产品参数、a 1与a 2为预设 的折扣参数。
进一步地，所述通过运行所述优惠保费计算公式生成优惠数据之前，所述方法还包括：
若在所述分单信息中检测出主附险序号，则根据预设主附险对应关系调整所述优惠保费计算公式中的折扣参数，所述预设主附险对应关系为不同主附险与不同折扣参数的对应关系。
进一步地，所述方法还包括：
接收不同投保人首次输入的保单信息，并将所述保单信息中的分单信息、主附险序号、承保年度按照Loop循环指令存储至测试数据库中，以便在出现理赔情况时，对不同用户的分单信息进行更新处理。
依据本申请一个方面，提供了一种基于无理赔的优惠数据的生成装置，包括：
获取单元，用于获取被保人保单的分单信息及待参保年度，所述分单信息包括无理赔被保人的投保产品以及所述投保产品的标准保费；
生成单元，用于根据所述分单信息、所述待参保年度以及优惠保费计算策略生成优惠数据。
进一步地，所述装置还包括：更新单元，
所述更新单元，用于更新所述保单信息，所述保单信息包括不同被保人的分单信息的理赔情况、投保产品、投保产品的标准保费；
所述获取单元，具体用于当判断出被保人的分单信息中理赔情况为无理赔，则从分单信息中提取无理赔被保人对应的投保产品以及所述投保产品的标准保费，以及接收输入的待参保年度。
进一步地，所述生成单元包括：
确定模块，用于将所述投保产品、所述标准保费、所述待参保年度确定为优惠保费计算公式的计算参数；
生成模块，用于通过运行所述优惠保费计算公式生成优惠数据；
其中，所述运行所述优惠保费计算公式为：
Figure PCTCN2018076382-appb-000002
n为待参保年度、A为标准保费、i为变量、C为投保产品参数、a 1与a 2为预设的折扣参数。
进一步地，所述装置还包括：
调整模块，用于若在所述分单信息中检测出主附险序号，则根据预设主附险对应关系调整所述优惠保费计算公式中的折扣参数，所述预设主附险对应关系为不同主附险与不同折扣参数的对应关系。
进一步地，所述装置还包括：
存储单元，用于接收不同投保人首次输入的保单信息，并将所述保单信息中的分单信息、主附险序号、承保年度按照Loop循环指令存储至测试数据库中，以便在出现理赔情况时，对不同用户的分单信息进行更新处理。
根据本申请的又一方面，提供了一种存储介质，所述存储介质中存储有至少一可执行指令，所述可执行指令使处理器执行如上述基于无理赔的优惠数据的生成方法对应的操作。
根据本申请的再一方面，提供了一种服务器，包括：处理器、存储器、通信接口和通信总线，所述处理器、所述存储器和所述通信接口通过所述通信总线完成相互间的通信；
所述存储器用于存放至少一可执行指令，所述可执行指令使所述处理器执行 上述基于无理赔的优惠数据的生成方法对应的操作。
借由上述技术方案，本申请实施例提供的技术方案至少具有下列优点：
本申请提供了一种基于无理赔的优惠数据的生成方法及装置，首先获取被保人保单的分单信息及待参保年度，所述分单信息包括无理赔被保人的投保产品以及所述投保产品的标准保费，然后根据所述分单信息、所述待参保年度以及优惠保费计算策略生成优惠数据。与现有由于投保客户数量过大，使得对无理赔被保人计算优惠的续保保费消耗大量人工成本，同时还增加了出现计算错误的概率，造成优惠数据计算效率较低，影响客户的续保情况相比，本申请实施例通过获取被保人分单信息及待参保年度，结合优惠保费计算策略自动生成优惠保费数据，减少人工操作，避免计算大量优惠保费时消耗人工成本，实现优惠保费的自动生成，从而提高优惠数据的生成效率。
上述说明仅是本申请技术方案的概述，为了能够更清楚了解本申请的技术手段，而可依照说明书的内容予以实施，并且为了让本申请的上述和其它目的、特征和优点能够更明显易懂，以下特举本申请的具体实施方式。
附图说明
通过阅读下文优选实施方式的详细描述，各种其他的优点和益处对于本领域普通技术人员将变得清楚明了。附图仅用于示出优选实施方式的目的，而并不认为是对本申请的限制。而且在整个附图中，用相同的参考符号表示相同的部件。在附图中：
图1示出了本申请实施例提供的一种基于无理赔的优惠数据的生成方法流程图；
图2示出了本申请实施例提供的另一种基于无理赔的优惠数据的生成方法流程图；
图3示出了本申请实施例提供的一种基于无理赔的优惠数据的生成装置框图；
图4示出了本申请实施例提供的另一种基于无理赔的优惠数据的生成装置框图；
图5示出了本申请实施例提供的一种服务器示意图。
具体实施方式
下面将参照附图更详细地描述本公开的示例性实施例。虽然附图中显示了本公开的示例性实施例，然而应当理解，可以以各种形式实现本公开而不应被这里阐述的实施例所限制。相反，提供这些实施例是为了能够更透彻地理解本公开，并且能够将本公开的范围完整的传达给本领域的技术人员。
本申请实施例提供了一种基于无理赔的优惠数据的生成方法，如图1所示，所述方法包括：
101、获取被保人保单的分单信息及待参保年度。
其中，所述分单信息包括无理赔被保人的投保产品以及所述投保产品的标准保费，所述被保人的投保产品以及所述投保产品的标准保费等信息均存储在被保人分单信息中，所述被保人即为被保险人，是指根据保险合同在保险事故发生后，享有保险金请求权的人，所述分单信息中保存有被保险人的投保信息，具体包括投保产品、投保产品的标准保费、被投保人的生效时间、期满时间、承保时间、申请时间等，本申请实施例不做具体限定。所述无理赔即为在被保人承保期间没 有发生理赔事件，一般被记载在分单信息中的理赔记录中，若不存在理赔记录，则说明无理赔。所述待参保年度为通过终端设备输入的待缴费的参保年度，可以为3年、5年，本申请实施例不做具体限定。
需要说明的是，客户在进行投保时，投保人为交付保费的人，投保人与被保人可能一同一人，也可能不为同一人，一个投保人可以为多人进行投保，即在客户投保时，一个投保客户生成一个保单，对应一个保单号，在这个保单中包括投保人为所有被保人进行投保的信息，每个被保人生成一个分单，对应一个分单号，例如，一个保单中，以家庭为单位投保，一家人购买，保单号就1个，张某为自己、其妻子及其孩子进行投保，生成一个保单号为0001025，张某自己的分单号可以为0001025-01、其妻子的分单号可以为0001025-02、其孩子的分单号可以为0001025-03，对应的每个分单中都有每个被保人投保的产品。对于本申请实施例，在进行无理赔的优惠保费计算之前，需要确认被保人是否出现理赔事件，可以通过人工查找被保人的分单信息进行查看，也可以通过编写脚本代码查询分单信息中的理赔记录是否为空，若为空，则返回无理赔结果。
102、根据所述分单信息、所述待参保年度以及优惠保费计算策略生成优惠数据。
其中，所述优惠保费计算策略可以为投保信息中与待参保年度对应的折扣关系，也可以为具体的优惠保费计算公式，本申请实施例不做具体限定。例如，优惠保费计算策略可以通过预先设定的投保产品与待参保年度折扣比进行设定，投保产品对应的产品参数H703，接收输入的待参保年度为3年，根据设定的折扣比，第一年续保享受9折，第二年续保享受8折，第三年续保享受7折，一般的，参保年度越大，折扣越大，本申请实施例不做具体限定。
需要说明的是，由于保险公司的保险产品数量很多，且产品名称较为相近，如重疾险与疾病险，虽然需要理赔的疾病不相同，但是产品名称较为相近，为了进行区分，为每一种保险产品配置对应的投保产品参数，以便在脚本程序的编写时，直接以数据形式进行匹配查找。另外，优惠保费计算策略可以根据不同的投保产品、不同的标准保费以及不同的参保年度配置不同的折扣，具体折扣对应关系可以通过脚本代码在系统后台中编写出对应的查询逻辑代码，这样在保险工作人员计算优惠保费时，可以直接将被保人信息及待参保年度通过终端输入，当前方法可以直接在终端的系统中进行运行，直接执行本实施例中的基于无理赔的优惠数据的生成方法来实现优惠保费的计算。一般的，本申请实施例的基于无理赔的优惠数据的生成方法可以嵌入至任意一个保险数据处理系统中，以便作为系统中的功能实现保费计算。
本申请提供了一种基于无理赔的优惠数据的生成方法，与现有由于投保客户数量过大，使得对无理赔被保人计算优惠的续保保费消耗大量人工成本，同时还增加了出现计算错误的概率，造成优惠数据计算效率较低，影响客户的续保情况相比，本申请实施例通过获取被保人分单信息及待参保年度，结合优惠保费计算策略自动生成优惠保费数据，减少人工操作，避免计算大量优惠保费时消耗人工成本，实现优惠保费的自动生成，从而提高优惠数据的生成效率。
本申请实施例提供了另一种基于无理赔的优惠数据的生成方法，如图2所示，所述方法包括：
201、接收不同投保人首次输入的保单信息，并将所述保单信息中的分单信息、主附险序号、承保年度按照Loop循环指令存储至测试数据库中。
其中，为了便于确定被保人是否在承保期间是否出现理赔事件，以便在出现 理赔情况时，对不同用户的分单信息进行更新处理。所述首次输入的保单信息一般是在投保人进行投保时生成的投保信息，包括不同被保人的分单信息、主附险序号、承保年度。所述主附险序号主险序号与附险序号，附险即是指需要在主险成立的条件下，才可以生效的附加险，在保单中若存在主附险，则会生成对应的主附险序号。
需要说明的是，为了区分不同投保人生成的保单信息中的具体分单信息，并进行大批量优惠保费的计算，会按照Loop循环指令方式以保单为单位生成一个测试数据表，如表1中所示，若进行批量制作优惠保费时，调用数据时可以直接从这个表中提取数据，则不需要输入参数了。如保单分单号对应的保单信息中可以查找出主附险序号等，通过Loop循环执行保费计算的步骤对以及执行过的数据，返回已执行的标记，并更新到测试数据表，直到所有数据执行完毕，退出程序，即实现批量保费的生成，本申请实施例不做具体限定。
表1(no_claim_test_data)，
名称 类型 可为空 默认 注释
CERTNO VARCHAR2(16) N   保单分单号
BRNO NUMBER(2) N   主附险序号
POLYEAR NUMBER(2) N   保单年度
STATUS VARCHAR2(2) N   执行状态：01：未执行，02：已执行
202、更新所述保单信息。
其中，所述保单信息包括不同被保人的分单信息的理赔情况、投保产品、投保产品的标准保费。为了确保计算优惠保费时，被保人的信息是最新的，需要保单信息中不同被保人的分单信息更新理赔情况、投保产品、投保产品的标准保费。 一般的，更新的时间可以为保单投保人续费时进行更新，还可以为被保人出现理赔情况时进行数据更新，本申请实施例不做具体限定。
203、当判断出被保人的分单信息中理赔情况为无理赔，则从分单信息中提取无理赔被保人对应的投保产品以及所述投保产品的标准保费，以及接收输入的待参保年度。
对于本申请实施例，为了确保计算的优惠保费为无理赔被保人待参保的优惠保费，避免人为查询出现误差，需要预先对被保人的理赔情况进行数据查询判断，一般的，在被保人出现理赔事件后，需要工作人员更新被保人分单信息中的理赔记录，从而记载理赔情况，如在理赔情况中记载有理赔时间、投保产品理赔的数额等，在系统数据库中存储的对应关系可以通过数据列表形式进行查询，如通过检测理赔情况下对应的内容是否为空来判断是否出现理赔，若理赔情况对应为空说明没有出现理赔，即可以执行203步骤中的从分单信息中提取无理赔用户对应的投保产品参数、投保产品的标准保费，以及接收输入的待参保年度。
其中，所述输入的待参保年度一般是由投保人进行确定输入，也可以由保险工作人员在操作终端进行操作输入，本申请实施例不做具体限定。
204、将所述投保产品、所述标准保费、所述待参保年度确定为优惠保费计算公式的计算参数。
其中，所述优惠保费计算公式为预先通过计算机程序编写的公式代码，具体的编写语言不做具体限定，以便适用不同的应用系统中。所述保费计算公式中包括投保产品、标准保费、待参保年度、折扣参数以及对应关系，从而在运行优惠保费计算公式代码时，直接计算出优惠保费。所述优惠保费计算公式包括待参保年度、标准保费、变量、投保产品参数以及预设的折扣参数。
需要说明的是，为了便于将不同投保产品作为优惠保费计算公式中的参数，需要将投保产品的名称对应为不同的投保产品参数，由保险公司确定出不同的保险产品对应的参数。一般的，在获得投保产品后需要从数据库中查询出预先配置好的投保产品参数，如意外险对应的投保产品参数可以为1.3，本申请实施例不做具体限定。
205、若在所述分单信息中检测出主附险序号，则根据预设主附险对应关系调整所述优惠保费计算公式中的折扣参数。
其中，所述预设主附险对应关系为不同主附险与不同折扣参数的对应关系。为了为投保多种产品的用户制定更加优惠的续保保费，需要在计算优惠保费之前判断用户是否进行了主附险投保，即可以通过主附险记录中是否为空来判断，若为空，则说明不存在主附险，可以按照预设的折扣参数进行计算，若存在主附险，则可以分单信息中的主附险序号从预设主附险对应关系中查找对应的折扣参数，并按照查找后的折扣参数进行调整，预设主附险对应关系由技术人员通过脚本编写，存储至后台数据库中，本申请实施例对折扣参数不做具体限定。例如，在分单信息中检测出查找主附险序号，则根据主附险序号1003-203查找到对应的折扣参数1.56。
206、通过运行所述优惠保费计算公式生成优惠数据。
为了准确计算优惠保费的数额，且计算出的优惠数据根据参保年度的增大而逐年减少，为投保人提供了更为准确的方案，无需人为计算。所述运行所述优惠保费计算公式为：
Figure PCTCN2018076382-appb-000003
n为待参保年度、A为标准保费、i为变量、C为投保产品参数，一般设置为0.6至1之间、a 1与a 2为预设 的折扣参数。例如，参保年度为1，A为2600，i为1，C为0.9，a 1为100，a 2为0.5，则计算出的M为2300。
对于本申请实施例，折扣参数a 1为可以调整的折扣参数，调整可以根据是否存在主附险序号进行判断，还可以根据被保险人是否为VIP客户等进行配置，若为VIP客户，则技术人员可以预先在生成优惠保费之前通过已验证身份输入更改指令，本申请实施例不做具体限定。示例性的，a 1不做调整时，配置为100，折扣参数a 2为固定折扣参数，为了确定公式的稳定性，最优配置为0.5。
本申请提供了另一种基于无理赔的优惠数据的生成方法，本申请实施例通过将无理赔事件的被保人的投保产品、标准保费、待参保年度作为优惠保费计算公式中的参数，并选择适当折扣参数，通过运行优惠保费计算公式自动生成优惠保费数据，无需人工计算，避免计算大量优惠保费时消耗人工成本，实现优惠保费的自动生成，并对被保人的投保数据及时更新，实现无需人工检测理赔事件的发生即可判断被保人的理赔情况，简化无理赔优惠数据的计算步骤，节约人工流程，从而提高优惠数据的生成效率。
进一步的，作为对上述图1所示方法的实现，本申请实施例提供了一种基于无理赔的优惠数据的生成装置，如图3所示，该装置包括：获取单元31、生成单元32。
获取单元31，用于获取被保人保单的分单信息及待参保年度，所述分单信息包括无理赔被保人的投保产品以及所述投保产品的标准保费；所述获取单元31为基于无理赔的优惠数据的生成装置执行获取被保人保单的分单信息及待参保年度的功能模块。
生成单元32，用于根据所述分单信息、所述待参保年度以及优惠保费计算 策略生成优惠数据。所述生成单元32为基于无理赔的优惠数据的生成装置执行根据所述分单信息、所述待参保年度以及优惠保费计算策略生成优惠数据的功能模块。
本申请提供了一种基于无理赔的优惠数据的生成装置，与现有由于投保客户数量过大，使得对无理赔被保人计算优惠的续保保费消耗大量人工成本，同时还增加了出现计算错误的概率，造成优惠数据计算效率较低，影响客户的续保情况相比，本申请实施例通过获取被保人分单信息及待参保年度，结合优惠保费计算策略自动生成优惠保费数据，减少人工操作，避免计算大量优惠保费时消耗人工成本，实现优惠保费的自动生成，从而提高优惠数据的生成效率。
进一步的，作为对上述图2所示方法的实现，本申请实施例提供了另一种基于无理赔的优惠数据的生成装置，如图4所示，该装置包括：获取单元41、生成单元42、更新单元43、存储单元44。
获取单元41，用于获取被保人保单的分单信息及待参保年度，所述分单信息包括无理赔被保人的投保产品以及所述投保产品的标准保费；
生成单元42，用于根据所述分单信息、所述待参保年度以及优惠保费计算策略生成优惠数据。
进一步地，所述装置还包括：更新单元43，
所述更新单元43，用于更新所述保单信息，所述保单信息包括不同被保人的分单信息的理赔情况、投保产品、投保产品的标准保费；
所述获取单元41，具体用于当判断出被保人的分单信息中理赔情况为无理赔，则从分单信息中提取无理赔被保人对应的投保产品以及所述投保产品的标准保费，以及接收输入的待参保年度。
具体的，所述生成单元42包括：
确定模块4201，用于将所述投保产品、所述标准保费、所述待参保年度确定为优惠保费计算公式的计算参数；
生成模块4202，用于通过运行所述优惠保费计算公式生成优惠数据；
其中，所述运行所述优惠保费计算公式为：
Figure PCTCN2018076382-appb-000004
n为待参保年度、A为标准保费、i为变量、C为投保产品参数、a 1与a 2为预设的折扣参数。
具体的，所述生成单元42还包括：
调整模块4203，用于若在所述分单信息中检测出主附险序号，则根据预设主附险对应关系调整所述优惠保费计算公式中的折扣参数，所述预设主附险对应关系为不同主附险与不同折扣参数的对应关系。
进一步地，所述装置还包括：
存储单元44，用于接收不同投保人首次输入的保单信息，并将所述保单信息中的分单信息、主附险序号、承保年度按照Loop循环指令存储至测试数据库中，以便在出现理赔情况时，对不同用户的分单信息进行更新处理。
本申请提供了另一种基于无理赔的优惠数据的生成装置，本申请实施例通过将无理赔事件的被保人的投保产品、标准保费、待参保年度作为优惠保费计算公式中的参数，并选择适当折扣参数，通过运行优惠保费计算公式自动生成优惠保费数据，无需人工计算，避免计算大量优惠保费时消耗人工成本，实现优惠保费的自动生成，并对被保人的投保数据及时更新，实现无需人工检测理赔事件的发生即可判断被保人的理赔情况，简化无理赔优惠数据的计算步骤，节约人工流程， 从而提高优惠数据的生成效率。
基于上述如图1所示方法，相应的，本申请实施例还提供了一种计算机可读存储介质，其上存储有计算机程序，该程序被处理器执行时实现以下步骤：获取被保人保单的分单信息及待参保年度，所述分单信息包括无理赔被保人的投保产品以及所述投保产品的标准保费；根据所述分单信息、所述待参保年度以及优惠保费计算策略生成优惠数据。
基于上述如图1所示方法和如图3所示装置的实施例，本申请一个实施例提供的一种服务器的结构示意图，如图5所示，本申请具体实施例并不对终端的具体实现做限定。
如图5所示，该服务器可以包括：处理器(processor)51、通信接口(Communications Interface)52、存储器(memory)53、以及通信总线54。其中：处理器51、通信接口52、以及存储器53通过通信总线54完成相互间的通信。通信接口54，用于与其它设备比如客户端或其它服务器等的网元通信。处理器51，用于执行程序，具体可以执行上述数据的转换方法实施例中的相关步骤。具体地，程序可以包括程序代码，该程序代码包括计算机操作指令。处理器51可能是中央处理器CPU，或者是特定集成电路ASIC(Application Specific Integrated Circuit)，或者是被配置成实施本申请实施例的一个或多个集成电路。
终端包括的一个或多个处理器，可以是同一类型的处理器，如一个或多个CPU；也可以是不同类型的处理器，如一个或多个CPU以及一个或多个ASIC。存储器53，用于存放程序。存储器53可能包含高速RAM存储器，也可能还包括非易失性存储器(non-volatile memory)，例如至少一个磁盘存储器。程序具体可以用于使得处理器51执行以下操作：获取被保人保单的分单信息及待参保 年度，所述分单信息包括无理赔被保人的投保产品以及所述投保产品的标准保费；根据所述分单信息、所述待参保年度以及优惠保费计算策略生成优惠数据。
在此提供的算法和显示不与任何特定计算机、虚拟系统或者其它设备固有相关。各种通用系统也可以与基于在此的示教一起使用。根据上面的描述，构造这类系统所要求的结构是显而易见的。此外，本申请也不针对任何特定编程语言。应当明白，可以利用各种编程语言实现在此描述的本申请的内容，并且上面对特定语言所做的描述是为了披露本申请的最佳实施方式。
在此处所提供的说明书中，说明了大量具体细节。然而，能够理解，本申请的实施例可以在没有这些具体细节的情况下实践。在一些实例中，并未详细示出公知的方法、结构和技术，以便不模糊对本说明书的理解。
类似地，应当理解，为了精简本公开并帮助理解各个发明方面中的一个或多个，在上面对本申请的示例性实施例的描述中，本申请的各个特征有时被一起分组到单个实施例、图、或者对其的描述中。然而，并不应将该公开的方法解释成反映如下意图：即所要求保护的本申请要求比在每个权利要求中所明确记载的特征更多的特征。更确切地说，如下面的权利要求书所反映的那样，发明方面在于少于前面公开的单个实施例的所有特征。因此，遵循具体实施方式的权利要求书由此明确地并入该具体实施方式，其中每个权利要求本身都作为本申请的单独实施例。
本领域那些技术人员可以理解，可以对实施例中的设备中的模块进行自适应性地改变并且把它们设置在与该实施例不同的一个或多个设备中。可以把实施例中的模块或单元或组件组合成一个模块或单元或组件，以及此外可以把它们分成多个子模块或子单元或子组件。除了这样的特征和/或过程或者单元中的至少一 些是相互排斥之外，可以采用任何组合对本说明书(包括伴随的权利要求、摘要和附图)中公开的所有特征以及如此公开的任何方法或者设备的所有过程或单元进行组合。除非另外明确陈述，本说明书(包括伴随的权利要求、摘要和附图)中公开的每个特征可以由提供相同、等同或相似目的的替代特征来代替。
此外，本领域的技术人员能够理解，尽管在此所述的一些实施例包括其它实施例中所包括的某些特征而不是其它特征，但是不同实施例的特征的组合意味着处于本申请的范围之内并且形成不同的实施例。例如，在下面的权利要求书中，所要求保护的实施例的任意之一都可以以任意的组合方式来使用。
本申请的各个部件实施例可以以硬件实现，或者以在一个或者多个处理器上运行的软件模块实现，或者以它们的组合实现。本领域的技术人员应当理解，可以在实践中使用微处理器或者数字信号处理器(DSP)来实现根据本申请实施例的基于无理赔的优惠数据的生成方法及装置中的一些或者全部部件的一些或者全部功能。本申请还可以实现为用于执行这里所描述的方法的一部分或者全部的设备或者装置程序(例如，计算机程序和计算机程序产品)。这样的实现本申请的程序可以存储在计算机可读介质上，或者可以具有一个或者多个信号的形式。这样的信号可以从因特网网站上下载得到，或者在载体信号上提供，或者以任何其他形式提供。
应该注意的是上述实施例对本申请进行说明而不是对本申请进行限制，并且本领域技术人员在不脱离所附权利要求的范围的情况下可设计出替换实施例。在权利要求中，不应将位于括号之间的任何参考符号构造成对权利要求的限制。单词“包含”不排除存在未列在权利要求中的元件或步骤。位于元件之前的单词“一”或“一个”不排除存在多个这样的元件。本申请可以借助于包括有若干不同元件的 硬件以及借助于适当编程的计算机来实现。在列举了若干装置的单元权利要求中，这些装置中的若干个可以是通过同一个硬件项来具体体现。单词第一、第二、以及第三等的使用不表示任何顺序。可将这些单词解释为名称。

Claims (20)

  1. 一种基于无理赔的优惠数据的生成方法，其特征在于，包括：
    获取被保人保单的分单信息及待参保年度，所述分单信息包括无理赔被保人的投保产品以及所述投保产品的标准保费；
    根据所述分单信息、所述待参保年度以及优惠保费计算策略生成优惠数据。
  2. 根据权利要求1所述的方法，其特征在于，所述获取被保人保单的分单信息及待参保年度之前，所述方法还包括：
    更新所述保单信息，所述保单信息包括不同被保人的分单信息的理赔情况、投保产品、投保产品的标准保费；
    所述获取被保人保单的分单信息及待参保年度包括：
    当判断出被保人的分单信息中理赔情况为无理赔，则从分单信息中提取无理赔被保人对应的投保产品以及所述投保产品的标准保费，以及接收输入的待参保年度。
  3. 根据权利要求2所述的方法，其特征在于，所述根据所述分单信息、所述待参保年度以及优惠保费计算策略生成优惠数据包括：
    将所述投保产品、所述标准保费、所述待参保年度确定为优惠保费计算公式的计算参数；
    通过运行所述优惠保费计算公式生成优惠数据；
    其中，所述运行所述优惠保费计算公式为：
    Figure PCTCN2018076382-appb-100001
    n为待参保年度、A为标准保费、i为变量、C为投保产品参数、a 1与a 2为预设的折扣参数。
  4. 根据权利要求3所述的方法，其特征在于，所述通过运行所述优惠保费计算公式生成优惠数据之前，所述方法还包括：
    若在所述分单信息中检测出主附险序号，则根据预设主附险对应关系调整所述优惠保费计算公式中的折扣参数，所述预设主附险对应关系为不同主附险与不同折扣参数的对应关系。
  5. 根据权利要求1-4任一项所述的方法，其特征在于，所述方法还包括：
    接收不同投保人首次输入的保单信息，并将所述保单信息中的分单信息、主附险序号、承保年度按照Loop循环指令存储至测试数据库中，以便在出现理赔情况时，对不同用户的分单信息进行更新处理。
  6. 一种基于无理赔的优惠数据的生成装置，其特征在于，包括：
    获取单元，用于获取被保人保单的分单信息及待参保年度，所述分单信息包括无理赔被保人的投保产品以及所述投保产品的标准保费；
    生成单元，用于根据所述分单信息、所述待参保年度以及优惠保费计算策略生成优惠数据。
  7. 根据权利要求6所述的装置，其特征在于，所述装置还包括：更新单元，
    所述更新单元，用于更新所述保单信息，所述保单信息包括不同被保人的分单信息的理赔情况、投保产品、投保产品的标准保费；
    所述获取单元，具体用于当判断出被保人的分单信息中理赔情况为无理赔，则从分单信息中提取无理赔被保人对应的投保产品以及所述投保产品的标准保费，以及接收输入的待参保年度。
  8. 根据权利要求7所述的装置，其特征在于，所述生成单元包括：
    确定模块，用于将所述投保产品、所述标准保费、所述待参保年度确定为优 惠保费计算公式的计算参数；
    生成模块，用于通过运行所述优惠保费计算公式生成优惠数据；
    其中，所述运行所述优惠保费计算公式为：
    Figure PCTCN2018076382-appb-100002
    n为待参保年度、A为标准保费、i为变量、C为投保产品参数、a 1与a 2为预设的折扣参数。
  9. 根据权利要求8所述的装置，其特征在于，所述装置还包括：
    调整模块，用于若在所述分单信息中检测出主附险序号，则根据预设主附险对应关系调整所述优惠保费计算公式中的折扣参数，所述预设主附险对应关系为不同主附险与不同折扣参数的对应关系。
  10. 根据权利要求6-9任一项所述的装置，其特征在于，所述装置还包括：
    存储单元，用于接收不同投保人首次输入的保单信息，并将所述保单信息中的分单信息、主附险序号、承保年度按照Loop循环指令存储至测试数据库中，以便在出现理赔情况时，对不同用户的分单信息进行更新处理。
  11. 一种存储介质，其上存储有计算机程序，其特征在于，所述程序被处理器执行时实现基于无理赔的优惠数据的生成方法，包括：
    获取被保人保单的分单信息及待参保年度，所述分单信息包括无理赔被保人的投保产品以及所述投保产品的标准保费；
    根据所述分单信息、所述待参保年度以及优惠保费计算策略生成优惠数据。
  12. 根据权利要求11所述的存储介质，其特征在于，所述获取被保人保单的分单信息及待参保年度之前，所述方法还包括：
    更新所述保单信息，所述保单信息包括不同被保人的分单信息的理赔情况、 投保产品、投保产品的标准保费；
    所述获取被保人保单的分单信息及待参保年度包括：
    当判断出被保人的分单信息中理赔情况为无理赔，则从分单信息中提取无理赔被保人对应的投保产品以及所述投保产品的标准保费，以及接收输入的待参保年度。
  13. 根据权利要求12所述的存储介质，其特征在于，所述根据所述分单信息、所述待参保年度以及优惠保费计算策略生成优惠数据包括：
    将所述投保产品、所述标准保费、所述待参保年度确定为优惠保费计算公式的计算参数；
    通过运行所述优惠保费计算公式生成优惠数据；
    其中，所述运行所述优惠保费计算公式为：
    Figure PCTCN2018076382-appb-100003
    n为待参保年度、A为标准保费、i为变量、C为投保产品参数、a 1与a 2为预设的折扣参数。
  14. 根据权利要求13所述的存储介质，其特征在于，所述通过运行所述优惠保费计算公式生成优惠数据之前，所述方法还包括：
    若在所述分单信息中检测出主附险序号，则根据预设主附险对应关系调整所述优惠保费计算公式中的折扣参数，所述预设主附险对应关系为不同主附险与不同折扣参数的对应关系。
  15. 根据权利要求11-14任一项所述的存储介质，其特征在于，所述方法还包括：
    接收不同投保人首次输入的保单信息，并将所述保单信息中的分单信息、主 附险序号、承保年度按照Loop循环指令存储至测试数据库中，以便在出现理赔情况时，对不同用户的分单信息进行更新处理。
  16. 一种服务器，其特征在于，所述装置包括存储介质和处理器，
    所述存储介质，用于存储计算机程序；
    所述处理器，用于执行所述计算机程序以实现基于无理赔的优惠数据的生成方法，包括：
    获取被保人保单的分单信息及待参保年度，所述分单信息包括无理赔被保人的投保产品以及所述投保产品的标准保费；
    根据所述分单信息、所述待参保年度以及优惠保费计算策略生成优惠数据。
  17. 根据权利要求16所述的服务器，其特征在于，所述程序被处理器执行时实现所述获取被保人保单的分单信息及待参保年度之前，所述方法还包括：
    更新所述保单信息，所述保单信息包括不同被保人的分单信息的理赔情况、投保产品、投保产品的标准保费；
    所述获取被保人保单的分单信息及待参保年度包括：
    当判断出被保人的分单信息中理赔情况为无理赔，则从分单信息中提取无理赔被保人对应的投保产品以及所述投保产品的标准保费，以及接收输入的待参保年度。
  18. 根据权利要求17所述的服务器，其特征在于，所述程序被处理器执行时实现所述根据所述分单信息、所述待参保年度以及优惠保费计算策略生成优惠数据包括：
    将所述投保产品、所述标准保费、所述待参保年度确定为优惠保费计算公式的计算参数；
    通过运行所述优惠保费计算公式生成优惠数据；
    其中，所述运行所述优惠保费计算公式为：
    Figure PCTCN2018076382-appb-100004
    n为待参保年度、A为标准保费、i为变量、C为投保产品参数、a 1与a 2为预设的折扣参数。
  19. 根据权利要求18所述的服务器，其特征在于，所述程序被处理器执行时实现所述通过运行所述优惠保费计算公式生成优惠数据之前，所述方法还包括：
    若在所述分单信息中检测出主附险序号，则根据预设主附险对应关系调整所述优惠保费计算公式中的折扣参数，所述预设主附险对应关系为不同主附险与不同折扣参数的对应关系。
  20. 根据权利要求16-19任一项所述的服务器，其特征在于，所述程序被处理器执行时实现所述方法还包括：
    接收不同投保人首次输入的保单信息，并将所述保单信息中的分单信息、主附险序号、承保年度按照Loop循环指令存储至测试数据库中，以便在出现理赔情况时，对不同用户的分单信息进行更新处理。
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