WO2019075972A1 - Procédé et appareil de génération de données de réduction fondées sur une absence de demandes d'indemnisation - Google Patents

Procédé et appareil de génération de données de réduction fondées sur une absence de demandes d'indemnisation Download PDF

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Publication number
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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Prior art keywords
insured
information
preferential
premium
year
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PCT/CN2018/076382
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English (en)
Chinese (zh)
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黄雪娇
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平安科技（深圳）有限公司
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Publication of WO2019075972A1 publication Critical patent/WO2019075972A1/fr

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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; CALCULATING OR 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

La présente invention concerne un procédé et un appareil de génération de données de réduction fondées sur une absence de demandes d'indemnisation, se rapportant au domaine technique du traitement de données. Comme il existe actuellement un nombre trop important de demandeurs d'assurance, le calcul des réductions de prime de renouvellement, pour des personnes assurées n'ayant pas fait de demandes d'indemnisation, consomme une grande quantité de coûts de main-d'œuvre et augmente la probabilité d'erreur de calcul, ce qui entraîne un problème de faible efficacité du calcul de données de réduction et affecte l'état de renouvellement d'assurance de clients. La solution technique principale consiste : à acquérir les informations de police et l'année à assurer d'une police d'assurance d'une personne assurée, les informations de police comprenant le produit assuré de la personne assurée n'ayant pas fait de demandes d'indemnisation et une prime standard pour le produit assuré ; sur la base des informations de police, de l'année à assurer, et d'une politique de calcul de prime de réduction, à générer des données de réduction. La présente invention est principalement utilisée pour générer des données de réduction fondées sur une absence de demandes d'indemnisation. La présente invention est principalement utilisée pour générer des données de réduction fondées sur une absence de demandes d'indemnisation.
PCT/CN2018/076382 2017-10-20 2018-02-12 Procédé et appareil de génération de données de réduction fondées sur une absence de demandes d'indemnisation WO2019075972A1 (fr)

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CN109711857A (zh) * 2018-08-20 2019-05-03 中国平安人寿保险股份有限公司 保费优惠额度计算方法、设备、装置及可读存储介质
CN109857791B (zh) * 2018-11-20 2023-12-08 成都材智科技有限公司 一种数据批量处理方法与装置
CN110390600B (zh) * 2019-06-17 2024-04-12 平安科技（深圳）有限公司 表单批量生成方法、装置、介质和计算机设备
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