CN107909485A - Benefit data generation method and device based on no Claims Resolution - Google Patents
Benefit data generation method and device based on no Claims Resolution Download PDFInfo
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- CN107909485A CN107909485A CN201710990287.0A CN201710990287A CN107909485A CN 107909485 A CN107909485 A CN 107909485A CN 201710990287 A CN201710990287 A CN 201710990287A CN 107909485 A CN107909485 A CN 107909485A
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Abstract
The invention discloses a kind of generation method and device of the benefit data based on no Claims Resolution, it is related to a kind of technical field of data processing, main purpose is existing since customer insured's quantity is excessive, so that consume a large amount of costs of labor to calculating preferential renewal premium without Claims Resolution warrantee, it also add the probability for occurring calculating mistake at the same time, the problem of causing benefit data computational efficiency relatively low, influencing the continuation of insurance situation of client.Main technical schemes include：Obtain point single information of warrantee's declaration form and treat insured year, described point of single information includes the standard premium of insure product and the product of insuring of unreasonable compensation warrantee；According to described point of single information, described treat insured annual and preferential premium calculative strategy generation benefit data.It is mainly used for the generation of the benefit data based on no Claims Resolution.It is mainly used for the generation of the benefit data based on no Claims Resolution.
Description
Technical field
The present invention relates to a kind of technical field of data processing, more particularly to a kind of life of the benefit data based on no Claims Resolution
Into method and device.
Background technology
Preferential refer to that warrantee one or more ensures that year, then can basis without Claims Resolution cases are produced upper without settling a claim
Quantity without Claims Resolution year is next year enjoying premium discount, the premium provided so as to the client of no Claims Resolution according to insurance company
Discount continues to pay premium.
At present, existing discount and the every year expense that continuation of insurance needs to pay without preferential premium of settling a claim all is to need manually
Calculated, still, since customer insured's quantity is excessive so that consumed to calculating preferential renewal premium without Claims Resolution warrantee
A large amount of costs of labor, while the probability for occurring calculating mistake is also add, cause benefit data computational efficiency relatively low, influence client
Continuation of insurance situation.
The content of the invention
In view of this, the present invention provides a kind of generation method and device of the benefit data based on no Claims Resolution, main purpose
It is existing since customer insured's quantity is excessive so that a large amount of artificial to calculating preferential renewal premium consumption without Claims Resolution warrantee
Cost, while the probability for occurring calculating mistake is also add, cause benefit data computational efficiency relatively low, influence the continuation of insurance feelings of client
The problem of condition.
According to one aspect of the invention, there is provided a kind of generation method of the benefit data based on no Claims Resolution, including：
Obtain point single information of warrantee's declaration form and treat insured year, described point of single information includes the throwing of unreasonable compensation warrantee
Protect the standard premium of product and the product of insuring；
According to described point of single information, described treat insured annual and preferential premium calculative strategy generation benefit data.
Further, point single information for obtaining warrantee's declaration form and before treating insured year, the method further includes：
The policy information is updated, the policy information includes the Claims Resolution situation of point single information of different warrantees, insures
The standard premium of product, product of insuring；
Point single information for obtaining warrantee's declaration form and treat that insured year includes：
When situation of settling a claim in point single information for judging warrantee be no Claims Resolution, then from point single information extraction without quilt of settling a claim
The standard premium of guarantor corresponding insure product and the product of insuring, and receive input treat insured year.
Further, single information described in the basis point, described treat insured annual and preferential premium calculative strategy generation
Benefit data includes：
By the product of insuring, the standard premium, the meter for treating to be determined as preferential premium calculation formula insured year
Calculate parameter；
Benefit data is generated by running the preferential premium calculation formula；
Wherein, the operation preferential premium calculation formula is：N is
Treat that insured year, A are standard premium, i is variable, C is insure product parameters, a1With a2For default discount parameter.
Further, it is described by the way that before running the preferential premium calculation formula generation benefit data, the method is also
Including：
It is described excellent according to default main attached dangerous correspondence adjustment if detecting main attached dangerous sequence number in described point of single information
Discount parameter in favour premium calculation formula, the attached dangerous correspondence of default master is the attached danger of different masters and different discount parameters
Correspondence.
Further, the method further includes：
The policy information that different insurers input first is received, and single information, main attached danger will be divided in the policy information
Sequence number, underwriting year are stored into test database according to Loop recursion instructions, so as to when there is Claims Resolution situation, to different use
Point single information at family is updated processing.
According to one aspect of the invention, there is provided a kind of generating means of the benefit data based on no Claims Resolution, including：
Acquiring unit, for obtaining point single information of warrantee's declaration form and treating insured year, described point of single information includes nothing
The standard premium of insure product and the product of insuring of Claims Resolution warrantee；
Generation unit, for according to described point of single information, described treat insured annual and preferential premium calculative strategy generation
Benefit data.
Further, described device further includes：Updating block,
The updating block, for updating the policy information, the policy information includes point single letter of different warrantees
Claims Resolution situation, product of insuring, the standard premium for product of insuring of breath；
The acquiring unit, specifically for being no Claims Resolution when situation of settling a claim in point single information that judge warrantee, then from
Divide standard premium of the extraction without Claims Resolution warrantee corresponding insure product and the product of insuring in single information, and receive defeated
What is entered treats insured year.
Further, the generation unit includes：
Determining module, for by the product of insuring, the standard premium, described treat that insured year is determined as preferential premium
The calculating parameter of calculation formula；
Generation module, for generating benefit data by running the preferential premium calculation formula；
Wherein, the operation preferential premium calculation formula is：N is
Treat that insured year, A are standard premium, i is variable, C is insure product parameters, a1With a2For default discount parameter.
Further, described device further includes：
Module is adjusted, if for detecting main attached dangerous sequence number in described point of single information, it is corresponding according to default main attached danger
Relation adjusts the discount parameter in the preferential premium calculation formula, the attached dangerous correspondence of default master for the attached danger of different masters with
The correspondence of different discount parameters.
Further, described device further includes：
Storage unit, the policy information inputted first for receiving different insurers, and by the policy information point
Single information, main attached dangerous sequence number, underwriting year are stored into test database according to Loop recursion instructions, to there are feelings of settling a claim
During condition, processing is updated to point single information of different user.
According to another aspect of the invention, there is provided a kind of storage medium, being stored with least one in the storage medium can
Execute instruction, the generation method that the executable instruction makes processor perform such as the above-mentioned benefit data based on no Claims Resolution are corresponding
Operation.
In accordance with a further aspect of the present invention, there is provided a kind of server, including：Processor, memory, communication interface and logical
Believe bus, the processor, the memory and the communication interface complete mutual communication by the communication bus；
The memory is used to store an at least executable instruction, and it is above-mentioned that the executable instruction performs the processor
The corresponding operation of generation method of benefit data based on no Claims Resolution.
By above-mentioned technical proposal, technical solution provided in an embodiment of the present invention at least has following advantages：
The present invention provides a kind of generation method and device of the benefit data based on no Claims Resolution, obtains warrantee first and protects
Single point single information and treat insured year, described point of single information includes insure product and the production of insuring of unreasonable compensation warrantee
The standard premium of product, then according to described point of single information, described treat that insured annual and preferential premium calculative strategy generation is preferential
Data.With existing since customer insured's quantity is excessive so that consumed largely to calculating preferential renewal premium without Claims Resolution warrantee
Cost of labor, while the probability for occurring calculating mistake is also add, cause benefit data computational efficiency relatively low, influence the continuous of client
Guarantor's situation is compared, and the embodiment of the present invention calculates plan by obtaining the single information of warrantee point and treating insured year with reference to preferential premium
Preferential premium data are slightly automatically generated, manual operation is reduced, avoids consuming cost of labor when calculating big amount discount premium, realize excellent
Favour premium automatically generates, so as to improve the formation efficiency of benefit data.
Described above is only the general introduction of technical solution of the present invention, in order to better understand the technological means of the present invention,
And can be practiced according to the content of specification, and in order to allow above and other objects of the present invention, feature and advantage can
Become apparent, below especially exemplified by the embodiment of the present invention.
Brief description of the drawings
By reading the detailed description of hereafter preferred embodiment, it is various other the advantages of and benefit it is common for this area
Technical staff will be clear understanding.Attached drawing is only used for showing the purpose of preferred embodiment, and is not considered as to the present invention
Limitation.And in whole attached drawing, identical component is denoted by the same reference numerals.In the accompanying drawings：
Fig. 1 shows a kind of generation method flow chart of benefit data based on no Claims Resolution provided in an embodiment of the present invention；
Fig. 2 shows the generation method flow of another benefit data based on no Claims Resolution provided in an embodiment of the present invention
Figure；
Fig. 3 shows a kind of generating means block diagram of benefit data based on no Claims Resolution provided in an embodiment of the present invention；
Fig. 4 shows the generating means block diagram of another benefit data based on no Claims Resolution provided in an embodiment of the present invention；
Fig. 5 shows a kind of server schematic diagram provided in an embodiment of the present invention.
Embodiment
The exemplary embodiment of the disclosure is more fully described below with reference to accompanying drawings.Although the disclosure is shown in attached drawing
Exemplary embodiment, it being understood, however, that may be realized in various forms the disclosure without should be by embodiments set forth here
Limited.On the contrary, these embodiments are provided to facilitate a more thoroughly understanding of the present invention, and can be by the scope of the present disclosure
Completely it is communicated to those skilled in the art.
An embodiment of the present invention provides a kind of generation method of the benefit data based on no Claims Resolution, as shown in Figure 1, the side
Method includes：
101st, obtain point single information of warrantee's declaration form and treat insured year.
Wherein, described point of single information includes the standard guarantor of insure product and the product of insuring of unreasonable compensation warrantee
Take, the information such as standard premium of insure product and the product of insuring of the warrantee is stored in the single information of warrantee point
In, the warrantee is insurant, refers to according to insurance contract after insurance risk generation, enjoys the insurance money right of asking for
People, the information of insuring of insurant is preserved in described point of single information, specifically includes product of insuring, the standard for product of insuring is protected
Expense, by the entry-into-force time of insurer, time expiration, time of accepting insurance, application time etc., the embodiment of the present invention is not specifically limited.
It is described that without Claims Resolution, no generation Claims Resolution event, the Claims Resolution being generally documented in point single information are remembered as during warrantee accepts insurance
In record, if there is no Claims Resolution record, illustrate no Claims Resolution.It is described to treat that insured year is by the to be paid the fees of terminal device input
In insured year, can be 3 years, 5 years, the embodiment of the present invention is not specifically limited.
The artificial people for delivering premium it should be noted that client when being insured, insures, insurer may with warrantee
One same people, it is also possible to it is not same people, an insurer can be that more people insure, i.e., when client insures, a throwing
Protect client and generate a declaration form, a corresponding number of policy, insures in this declaration form artificially all warrantees that include insuring
Information, each warrantee generate one point it is single, one point of odd numbers of correspondence, for example, in a declaration form, is thrown in units of family
Protect, one family's purchase, number of policy is with regard to 1, and Zhang is oneself, its wife and its child insure, and one number of policy of generation is
0001025, Zhang oneself divide odd numbers can be 0001025-01, its wife divide odd numbers can be 0001025-02, its
Child's divides odd numbers to be 0001025-03, corresponding each to divide in list the product for having each warrantee to insure.For this
Inventive embodiments, can be with, it is necessary to confirm whether warrantee Claims Resolution event occurs before carrying out preferential premium without Claims Resolution and calculating
Checked by point single information for manually searching warrantee, can also be by writing the reason in the single information of scripted code inquiry point
Pay for whether record is empty, if it is empty, then return without Claims Resolution result.
102nd, according to described point of single information, described treat insured annual and preferential premium calculative strategy generation benefit data.
Wherein, the preferential premium calculative strategy can be discount relation corresponding with treating insured year in information of insuring,
Can also be specific preferential premium calculation formula, the embodiment of the present invention is not specifically limited.For example, preferential premium calculative strategy
Can be by product set in advance of insuring with treating that insured annual rebate ratio is set, the corresponding product parameters of product of insuring
H703, receive input treats that insured year is 3 years, and according to the discount rate of setting, 9 foldings, second year continuation of insurance are enjoyed in First Year continuation of insurance
8 foldings are enjoyed, 7 foldings are enjoyed in continuation of insurance in the 3rd year, generally, insured year is bigger, discount is bigger, and the embodiment of the present invention does not do specific limit
It is fixed.
It should be noted that since the insurance products quantity of insurance company is very much, and name of product is more close, such as weight disease
Danger and sickness insurance, while it is desirable to which the disease of Claims Resolution differs, but name of product is more close, is each to distinguish
Kind of insurance products configure corresponding product parameters of insuring, and so as in shell script when writing, are directly carried out with data mode
With lookup.In addition, preferential premium calculative strategy can be according to different products of insuring, different standard premiums and different ginsengs
Protect and configure different discount year, specific discount correspondence can be write out in system background corresponding by scripted code
Query logic code, so when insuring staff's preferential premium of calculating, can directly by warrantee's information and treat insured year
Degree is inputted by terminal, and current method can directly be run in the system of terminal, directly performs the base in the present embodiment
The calculating of preferential premium is realized in the generation method of the benefit data of no Claims Resolution.Generally, the embodiment of the present invention based on nothing
The generation method of the benefit data of Claims Resolution can be embedded in any one insurance data processing system, so as to as in system
Function realizes that premium calculates.
The present invention provides a kind of generation method of the benefit data based on no Claims Resolution, with existing due to customer insured's quantity
It is excessive so as to consume a large amount of costs of labor to calculating preferential renewal premium without Claims Resolution warrantee, while also add and count
The probability of mistake is calculated, causes benefit data computational efficiency relatively low, the continuation of insurance situation for influencing client is compared, and the embodiment of the present invention passes through
Obtain the single information of warrantee point and treat insured year, automatically generate preferential premium data with reference to preferential premium calculative strategy, reduce
Manual operation, avoids consuming cost of labor when calculating big amount discount premium, realizes automatically generating for preferential premium, so as to improve excellent
The formation efficiency of favour data.
An embodiment of the present invention provides the generation method of benefit data of the another kind based on no Claims Resolution, as shown in Fig. 2, described
Method includes：
201st, the policy information that different insurers input first is received, and single information, master will be divided in the policy information
Attached danger sequence number, underwriting year are stored into test database according to Loop recursion instructions.
Wherein, for the ease of determining whether warrantee Claims Resolution event occur during accepting insurance, to settle a claim
During situation, processing is updated to point single information of different user.The policy information inputted first is usually in insurer
The information of insuring generated when being insured, including point single information of different warrantees, main attached dangerous sequence number, underwriting year.The master
The attached main danger sequence number of dangerous sequence number and attached dangerous sequence number, attached danger refer to needs under conditions of master becomes by inches and stands, and what can just be come into force is additional
Danger, if there is main attached danger in declaration form, can generate the attached dangerous sequence number of corresponding master.
It should be noted that in order to distinguish specific point of single information in the policy information of different insurer's generations, and carry out
The calculating of large quantities of amount discount premiums, can generate a test data table, such as according to Loop recursion instruction modes in units of declaration form
Shown in table 1, if carry out batch making preferential premium, data can be directly extracted from this table when calling data, then not
Need input parameter.Such as declaration form, which divides in the corresponding policy information of odd numbers, can find out main attached dangerous sequence number, be followed by Loop
Ring performs the step of premium calculates pair and the data performed, returns to the mark of executed, and updates and arrive test data table, directly
It is finished, exits the program to all data, that is, realize the generation of batch premium, the embodiment of the present invention is not specifically limited.
Table 1 (no_claim_test_data),
202nd, the policy information is updated.
Wherein, the Claims Resolution situation of point single information of the policy information including different warrantees, product of insuring, product of insuring
Standard premium.During in order to ensure calculating preferential premium, the information of warrantee is newest, it is necessary to which difference is protected in policy information
Point single information updating Claims Resolution situation, product of insuring, the standard premium for product of insuring of people.Generally, the time of renewal can be
Declaration form insurer is updated when continuing to pay dues, and can also be that warrantee occurs carrying out data update during Claims Resolution situation, the present invention is implemented
Example is not specifically limited.
203rd, when situation of settling a claim in point single information for judging warrantee be no Claims Resolution, then extracted from point list information unreasonable
The standard premium of warrantee corresponding insure product and the product of insuring is paid for, and receive input treat insured year.
For the embodiment of the present invention, in order to ensure the preferential premium of calculating is to treat insured preferential guarantor without Claims Resolution warrantee
Take, avoid artificially inquiry from error occur, it is necessary to Claims Resolution situation to warrantee carries out data query judgement in advance, generally,
Warrantee occurs after Claims Resolution event, it is necessary to which staff updates the Claims Resolution record in the single information of warrantee point, so as to record Claims Resolution
Situation, Claims Resolution time, the number of product of insuring Claims Resolution, pair stored in system database are recorded in such as resonable condition of apologizing
Should be related to can be inquired about by data list form, and whether corresponding content is sky to sentence in the case of such as being settled a claim by detection
It is disconnected whether to settle a claim, if Claims Resolution situation corresponds to empty explanation without settling a claim, you can with perform in 203 steps from point single
Standard premium of the extraction without the corresponding product parameters of insuring of Claims Resolution user, product of insuring in information, and receive input and wait to join
Protect year.
Wherein, the input treats that insured year is usually by insurer to be determined input, can also be by insurance work
Personnel carry out operation input in operating terminal, and the embodiment of the present invention is not specifically limited.
204th, by the product of insuring, the standard premium, described treat to be determined as preferential premium calculation formula insured year
Calculating parameter.
Wherein, the preferential premium calculation formula is the formula code write beforehand through computer program, specific to compile
Write language to be not specifically limited, to be applicable in different application systems.The premium calculation formula includes insure product, mark
Certainly take, treat insured year, discount parameter and correspondence, so that when running preferential premium calculation formula code, directly
Calculate preferential premium.The preferential premium calculation formula includes treating insured year, standard premium, variable, product parameters of insuring
And default discount parameter.
It should be noted that for the ease of using difference insure product as the parameter in preferential premium calculation formula, it is necessary to
The title for product of insuring is corresponded to different product parameters of insuring, determines that different insurance products are corresponding by insurance company
Parameter.Generally, needing to inquire pre-configured product parameters of insuring from database after product of insuring is obtained, comply with one's wishes
The corresponding product parameters of insuring in outer danger can be 1.3, and the embodiment of the present invention is not specifically limited.
If the 205, detecting main attached dangerous sequence number in described point of single information, according to default main attached dangerous correspondence adjustment institute
State the discount parameter in preferential premium calculation formula.
Wherein, correspondence of the attached dangerous correspondence of the default master for the attached danger of different masters from different discount parameters.In order to
User for multiple product of insuring formulates more preferential renewal premium, it is necessary to whether judge user before preferential premium is calculated
Carry out main attached danger to insure, you can whether by being sky in the attached danger record of master to judge, if it is empty, then there is no master is attached for explanation
Danger, can be calculated according to default discount parameter, if there is main attached danger, can divide the attached dangerous sequence number of the master in single information from
Corresponding discount parameter is searched in default main attached dangerous correspondence, and is adjusted according to the discount parameter after lookup, presets master
Attached danger correspondence, by script edit, is stored into background data base, the embodiment of the present invention is to discount parameter by technical staff
It is not specifically limited.For example, detect to search main attached dangerous sequence number in point single information, then according to the attached dangerous sequence number 1003-203 of master
Find corresponding discount parameter 1.56.
206th, benefit data is generated by running the preferential premium calculation formula.
In order to accurately calculate the number of preferential premium, and the benefit data calculated is according to insured annual increase and year by year
Reduce, more accurate scheme is provided for insurer, calculated without artificial.The operation preferential premium calculation formula
For：N is to treat that insured year, A are standard premium, i is variable, C is product of insuring
Parameter, between being traditionally arranged to be 0.6 to 1, a1With a2For default discount parameter.For example, insured year is 1, A 2600, i is
1, C 0.9, a1For 100, a2For 0.5, then the M calculated is 2300.
For the embodiment of the present invention, discount parameter a1For adjustable discount parameter, adjustment can with according to whether in the presence of
Whether main attached dangerous sequence number is judged, can also be that VIP client etc. is configured according to insurant, if VIP client, then skill
Art personnel can be in advance before preferential premium is generated by having verified that identity inputs change directive, and the embodiment of the present invention, which is not done, to be had
Body limits.Exemplary, a1When not adjusting, 100 are configured to, discount parameter a2To fix discount parameter, in order to determine formula
Stability, allocation optimum 0.5.
The present invention provides the generation method of benefit data of the another kind based on no Claims Resolution, the embodiment of the present invention is by by nothing
The product of insuring of the warrantee of Claims Resolution event, standard premium, treat insured year as the parameter in preferential premium calculation formula, and
Appropriate discount parameter is selected, preferential premium data are automatically generated by running preferential premium calculation formula, without manually calculating, is kept away
Exempt to consume cost of labor when calculating big amount discount premium, realize automatically generating for preferential premium, and to the insurance data of warrantee
Upgrade in time, realize that the generation without artificial detection Claims Resolution event can determine whether the Claims Resolution situation of warrantee, simplify excellent without settling a claim
The calculation procedure of favour data, saves artificial flow, so as to improve the formation efficiency of benefit data.
Further, as the realization to method shown in above-mentioned Fig. 1, an embodiment of the present invention provides one kind based on no Claims Resolution
Benefit data generating means, as shown in figure 3, the device includes：Acquiring unit 31, generation unit 32.
Acquiring unit 31, for obtaining point single information of warrantee's declaration form and treating insured year, described point of single information includes
The standard premium of insure product and the product of insuring without Claims Resolution warrantee；The acquiring unit 31 is based on no Claims Resolution
The generating means of benefit data perform point single information for obtaining warrantee's declaration form and treat insured annual function module.
Generation unit 32, for according to described point of single information, described treat insured annual and preferential premium calculative strategy life
Into benefit data.The generation unit 32 is performed according to described point of single letter for the generating means of the benefit data based on no Claims Resolution
Breath, the function module for treating insured annual and preferential premium calculative strategy generation benefit data.
The present invention provides a kind of generating means of the benefit data based on no Claims Resolution, with existing due to customer insured's quantity
It is excessive so as to consume a large amount of costs of labor to calculating preferential renewal premium without Claims Resolution warrantee, while also add and count
The probability of mistake is calculated, causes benefit data computational efficiency relatively low, the continuation of insurance situation for influencing client is compared, and the embodiment of the present invention passes through
Obtain the single information of warrantee point and treat insured year, automatically generate preferential premium data with reference to preferential premium calculative strategy, reduce
Manual operation, avoids consuming cost of labor when calculating big amount discount premium, realizes automatically generating for preferential premium, so as to improve excellent
The formation efficiency of favour data.
Further, as the realization to method shown in above-mentioned Fig. 2, an embodiment of the present invention provides another kind based on unreasonable
The generating means of the benefit data of compensation, as shown in figure 4, the device includes：Acquiring unit 41, generation unit 42, updating block 43,
Storage unit 44.
Acquiring unit 41, for obtaining point single information of warrantee's declaration form and treating insured year, described point of single information includes
The standard premium of insure product and the product of insuring without Claims Resolution warrantee；
Generation unit 42, for according to described point of single information, described treat insured annual and preferential premium calculative strategy life
Into benefit data.
Further, described device further includes：Updating block 43,
The updating block 43, for updating the policy information, the policy information includes point list of different warrantees
Claims Resolution situation, product of insuring, the standard premium for product of insuring of information；
The acquiring unit 41, specifically for being no Claims Resolution when situation of settling a claim in point single information for judging warrantee, then
Standard premium of the extraction without Claims Resolution warrantee corresponding insure product and the product of insuring from point single information, and receive
Insured year is treated in input.
Specifically, the generation unit 42 includes：
Determining module 4201, for by the product of insuring, the standard premium, it is described that to treat that insured year is determined as preferential
The calculating parameter of premium calculation formula；
Generation module 4202, for generating benefit data by running the preferential premium calculation formula；
Wherein, the operation preferential premium calculation formula is：N is
Treat that insured year, A are standard premium, i is variable, C is insure product parameters, a1With a2For default discount parameter.
Specifically, the generation unit 42 further includes：
Module 4203 is adjusted, if for detecting main attached dangerous sequence number in described point of single information, according to default main attached danger
Correspondence adjusts the discount parameter in the preferential premium calculation formula, and the attached dangerous correspondence of default master is attached for different masters
The dangerous correspondence from different discount parameters.
Further, described device further includes：
Storage unit 44, the policy information inputted first for receiving different insurers, and by the policy information
Single information, main attached dangerous sequence number, underwriting year is divided to be stored according to Loop recursion instructions into test database, to settle a claim
During situation, processing is updated to point single information of different user.
The present invention provides the generating means of benefit data of the another kind based on no Claims Resolution, the embodiment of the present invention is by by nothing
The product of insuring of the warrantee of Claims Resolution event, standard premium, treat insured year as the parameter in preferential premium calculation formula, and
Appropriate discount parameter is selected, preferential premium data are automatically generated by running preferential premium calculation formula, without manually calculating, is kept away
Exempt to consume cost of labor when calculating big amount discount premium, realize automatically generating for preferential premium, and to the insurance data of warrantee
Upgrade in time, realize that the generation without artificial detection Claims Resolution event can determine whether the Claims Resolution situation of warrantee, simplify excellent without settling a claim
The calculation procedure of favour data, saves artificial flow, so as to improve the formation efficiency of benefit data.
Based on above-mentioned method as shown in Figure 1, correspondingly, the embodiment of the present invention additionally provides a kind of computer-readable storage medium
Matter, is stored thereon with computer program, which realizes following steps when being executed by processor：Obtain point list of warrantee's declaration form
Information and treat insured year, described point of single information includes the standard of insure product and the product of insuring of unreasonable compensation warrantee
Premium；According to described point of single information, described treat insured annual and preferential premium calculative strategy generation benefit data.
Embodiment based on above-mentioned method as shown in Figure 1 and device as shown in Figure 3, provided by one embodiment of the present invention one
The structure diagram of kind server, as shown in figure 5, the specific embodiment of the invention does not limit the specific implementation of terminal.
As shown in figure 5, the server can include：Processor (processor) 51, communication interface
(Communications Interface) 52, memory (memory) 53 and communication bus 54.Wherein：Processor 51, lead to
Letter interface 52 and memory 53 complete mutual communication by communication bus 54.Communication interface 54, is used for and miscellaneous equipment
Such as the network element communication of client or other servers etc..Processor 51, for executive program, can specifically perform above-mentioned data
Conversion method embodiment in correlation step.Specifically, program can include program code, which includes computer
Operational order.Processor 51 is probably central processor CPU, or specific integrated circuit ASIC (Application
Specific Integrated Circuit), or be arranged to implement the embodiment of the present invention one or more integrate electricity
Road.
The one or more processors that terminal includes, can be same type of processors, such as one or more CPU；
Can be different types of processor, such as one or more CPU and one or more ASIC.Memory 53, for storing journey
Sequence.Memory 53 may include high-speed RAM memory, it is also possible to further include nonvolatile memory (non-volatile
Memory), a for example, at least magnetic disk storage.Program specifically can be used for so that processor 51 performs following operation：Obtain
Point single information of warrantee's declaration form and treat insured year, described point of single information includes insure product and the institute of unreasonable compensation warrantee
State the standard premium for product of insuring；According to described point of single information, described treat insured annual and preferential premium calculative strategy generation
Benefit data.
Algorithm and display be not inherently related to any certain computer, virtual system or miscellaneous equipment provided herein.
Various general-purpose systems can also be used together with teaching based on this.As described above, required by constructing this kind of system
Structure be obvious.In addition, the present invention is not also directed to any certain programmed language.It should be understood that it can utilize various
Programming language realizes the content of invention described herein, and the description done above to language-specific is to disclose this hair
Bright preferred forms.
In the specification that this place provides, numerous specific details are set forth.It is to be appreciated, however, that the implementation of the present invention
Example can be put into practice in the case of these no details.In some instances, known method, structure is not been shown in detail
And technology, so as not to obscure the understanding of this description.
Similarly, it will be appreciated that in order to simplify the disclosure and help to understand one or more of each inventive aspect,
Above in the description to the exemplary embodiment of the present invention, each feature of the invention is grouped together into single implementation sometimes
In example, figure or descriptions thereof.However, the method for the disclosure should be construed to reflect following intention：I.e. required guarantor
The application claims of shield features more more than the feature being expressly recited in each claim.It is more precisely, such as following
Claims reflect as, inventive aspect is all features less than single embodiment disclosed above.Therefore,
Thus the claims for following embodiment are expressly incorporated in the embodiment, wherein each claim is in itself
Separate embodiments all as the present invention.
Those skilled in the art, which are appreciated that, to carry out adaptively the module in the equipment in embodiment
Change and they are arranged in one or more equipment different from the embodiment.Can be the module or list in embodiment
Member or component be combined into a module or unit or component, and can be divided into addition multiple submodule or subelement or
Sub-component.In addition at least some in such feature and/or process or unit exclude each other, it can use any
Combination is disclosed to all features disclosed in this specification (including adjoint claim, summary and attached drawing) and so to appoint
Where all processes or unit of method or equipment are combined.Unless expressly stated otherwise, this specification (including adjoint power
Profit requires, summary and attached drawing) disclosed in each feature can be by providing the alternative features of identical, equivalent or similar purpose come generation
Replace.
In addition, it will be appreciated by those of skill in the art that although some embodiments described herein include other embodiments
In included some features rather than further feature, but the combination of the feature of different embodiments means in of the invention
Within the scope of and form different embodiments.For example, in the following claims, embodiment claimed is appointed
One of meaning mode can use in any combination.
The all parts embodiment of the present invention can be with hardware realization, or to be run on one or more processor
Software module realize, or realized with combinations thereof.It will be understood by those of skill in the art that it can use in practice
Microprocessor or digital signal processor (DSP) realize the benefit data according to embodiments of the present invention based on no Claims Resolution
The some or all functions of some or all components in generation method and device.The present invention is also implemented as being used to hold
The some or all equipment or program of device of row method as described herein are (for example, computer program and computer
Program product).It is such realize the present invention program can store on a computer-readable medium, or can have one or
The form of the multiple signals of person.Such signal can be downloaded from internet website and obtained, or be provided on carrier signal, or
Person is provided in the form of any other.
It should be noted that the present invention will be described rather than limits the invention for above-described embodiment, and ability
Field technique personnel can design alternative embodiment without departing from the scope of the appended claims.In the claims,
Any reference symbol between bracket should not be configured to limitations on claims.Word "comprising" does not exclude the presence of not
Element or step listed in the claims.Word "a" or "an" before element does not exclude the presence of multiple such
Element.The present invention can be by means of including the hardware of some different elements and being come by means of properly programmed computer real
It is existing.In if the unit claim of equipment for drying is listed, several in these devices can be by same hardware branch
To embody.The use of word first, second, and third does not indicate that any order.These words can be explained and run after fame
Claim.
Claims (10)
- A kind of 1. generation method of the benefit data based on no Claims Resolution, it is characterised in that including：Obtain point single information of warrantee's declaration form and treat insured year, described point of single information includes the production of insuring of unreasonable compensation warrantee The standard premium of product and the product of insuring；According to described point of single information, described treat insured annual and preferential premium calculative strategy generation benefit data.
- 2. according to the method described in claim 1, it is characterized in that, point single information for obtaining warrantee's declaration form and treat insured Before year, the method further includes：Update the policy information, the policy information include the Claims Resolution situation of point single information of different warrantees, product of insuring, Insure the standard premium of product；Point single information for obtaining warrantee's declaration form and treat that insured year includes：When situation of settling a claim in point single information for judging warrantee be no Claims Resolution, then from point single information extraction without the warrantee that settles a claim The standard premium of corresponding insure product and the product of insuring, and receive input treat insured year.
- 3. according to the method described in claim 2, it is characterized in that, single information described in the basis point, described treat insured year And preferential premium calculative strategy generation benefit data includes：By the product of insuring, the standard premium, the calculating ginseng for treating to be determined as preferential premium calculation formula insured year Number；Benefit data is generated by running the preferential premium calculation formula；Wherein, the operation preferential premium calculation formula is：N is to wait to join Protect year, A is standard premium, i is variable, C is insure product parameters, a1With a2For default discount parameter.
- 4. according to the method described in claim 3, it is characterized in that, described generated by running the preferential premium calculation formula Before benefit data, the method further includes：If detecting main attached dangerous sequence number in described point of single information, the preferential guarantor is adjusted according to default main attached dangerous correspondence Take the discount parameter in calculation formula, correspondence of the attached dangerous correspondence of default master for the attached danger of different masters from different discount parameters Relation.
- 5. according to claim 1-4 any one of them methods, it is characterised in that the method further includes：Receive the policy information that different insurers input first, and by point single information in the policy information, main attached dangerous sequence number, Underwriting year is stored into test database according to Loop recursion instructions, so as to when there is Claims Resolution situation, to different user Single information is divided to be updated processing.
- A kind of 6. generating means of the benefit data based on no Claims Resolution, it is characterised in that including：Acquiring unit, for obtaining point single information of warrantee's declaration form and treating insured year, described point of single information includes unreasonable compensation The standard premium of insure product and the product of insuring of warrantee；Generation unit, for according to described point of single information, described treat that insured annual and preferential premium calculative strategy generation is preferential Data.
- 7. device according to claim 6, it is characterised in that described device further includes：Updating block,The updating block, for updating the policy information, the policy information includes point single information of different warrantees Claims Resolution situation, product of insuring, the standard premium for product of insuring；The acquiring unit, it is specifically for being no Claims Resolution when situation of settling a claim in point single information for judging warrantee, then single from point Standard premium of the extraction without Claims Resolution warrantee corresponding insure product and the product of insuring in information, and receive input Treat insured year.
- 8. device according to claim 7, it is characterised in that the generation unit includes：Determining module, for by the product of insuring, the standard premium, described treat to be determined as in insured year preferential premium and calculate The calculating parameter of formula；Generation module, for generating benefit data by running the preferential premium calculation formula；Wherein, the operation preferential premium calculation formula is：N is to wait to join Protect year, A is standard premium, i is variable, C is insure product parameters, a1With a2For default discount parameter.
- 9. a kind of storage medium, an at least executable instruction is stored with the storage medium, the executable instruction makes processing Device performs the corresponding operation of generation method of the benefit data based on no Claims Resolution as any one of claim 1-5.
- 10. a kind of server, including：Processor, memory, communication interface and communication bus, the processor, the memory Mutual communication is completed by the communication bus with the communication interface；The memory is used to store an at least executable instruction, and the executable instruction makes the processor perform right such as will Ask the corresponding operation of generation method of the benefit data based on no Claims Resolution any one of 1-5.
Priority Applications (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710990287.0A CN107909485B (en) | 2017-10-20 | 2017-10-20 | Method and device for generating discount data based on no claim and computer readable medium |
| PCT/CN2018/076382 WO2019075972A1 (en) | 2017-10-20 | 2018-02-12 | Method and apparatus for generating no claims based discount data |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710990287.0A CN107909485B (en) | 2017-10-20 | 2017-10-20 | Method and device for generating discount data based on no claim and computer readable medium |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| CN107909485A true CN107909485A (en) | 2018-04-13 |
| CN107909485B CN107909485B (en) | 2020-02-14 |
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201710990287.0A Active CN107909485B (en) | 2017-10-20 | 2017-10-20 | Method and device for generating discount data based on no claim and computer readable medium |
Country Status (2)
| Country | Link |
|---|---|
| CN (1) | CN107909485B (en) |
| WO (1) | WO2019075972A1 (en) |
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| CN108921374A (en) * | 2018-05-16 | 2018-11-30 | 中国平安人寿保险股份有限公司 | Declaration form distribution method, unit and computer readable storage medium |
| CN109711857A (en) * | 2018-08-20 | 2019-05-03 | 中国平安人寿保险股份有限公司 | The preferential amount calculation method of premium, unit and readable storage medium storing program for executing |
| CN109857791A (en) * | 2018-11-20 | 2019-06-07 | 成都材智科技有限公司 | A kind of batch data processing method and device |
| CN110390600A (en) * | 2019-06-17 | 2019-10-29 | 平安科技（深圳）有限公司 | List Mass production method, apparatus, medium and computer equipment |
| CN115829764A (en) * | 2023-02-09 | 2023-03-21 | 杭州大鱼网络科技有限公司 | ETC high-speed traffic insurance application method, system, equipment and medium |
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Also Published As
| Publication number | Publication date |
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| WO2019075972A1 (en) | 2019-04-25 |
| CN107909485B (en) | 2020-02-14 |
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