WO2022089235A1

WO2022089235A1 - Product demonstration method and apparatus, computer device, and storage medium

Info

Publication number: WO2022089235A1
Application number: PCT/CN2021/124383
Authority: WO
Inventors: 徐定伟
Original assignee: 深圳壹账通智能科技有限公司
Priority date: 2020-10-30
Filing date: 2021-10-18
Publication date: 2022-05-05
Also published as: CN112241433A

Abstract

Embodiments of the present application relate to the field of Fintech, and relates to a product demonstration method, comprising: determining for each product rates of all items needing to be demonstrated and an influence factor of each item; configuring the rates and the influence factor into a preset database for storage; dividing all the items into different levels on the basis of a preset division rule; then, obtaining feature parameters of a first client, performing a rate query in the preset database according to the feature parameters, and determining, according to the feature parameters and the rates corresponding to the feature parameters, a first item meeting a first client condition; and calculating a first benefit result according to a hierarchical division result of the first item, and outputting and displaying the first benefit calculation result. The present application further provides a product demonstration apparatus, a computer device, and a storage medium. In addition, the present application further relates to blockchain technology, and the feature parameters of the first client can be stored in a blockchain. In the present application, repeated calculation is avoided, calculation is more efficient, and calculation accuracy is improved.

Description

产品的演示方法、装置、计算机设备及存储介质Product demonstration method, apparatus, computer equipment and storage medium

本申请要求于2020年10月30日提交中国专利局、申请号为202011192603.8，发明名称为“产品的演示方法、装置、计算机设备及存储介质”的中国专利申请的优先权，其全部内容通过引用结合在本申请中。This application claims the priority of the Chinese patent application filed on October 30, 2020 with the application number 202011192603.8 and the invention titled "Product Demonstration Method, Device, Computer Equipment and Storage Medium", the entire contents of which are by reference Incorporated in this application.

技术领域technical field

本申请涉及金融科技技术领域，尤其涉及产品的演示方法、装置、计算机设备及存储介质。The present application relates to the technical field of financial technology, and in particular, to a product demonstration method, apparatus, computer equipment and storage medium.

背景技术Background technique

在不同行业中进行产品销售时，为了让客户了解产品的功能特点、使用方法等，需要对产品进行演示，方便客户进行更多了解，以便根据需要进行购买。在保险行业，近代人身保险进入中国发展至今，已经有上百年的历史了。长期寿险产品，一直是最受人们欢迎的保险产品，很多长期寿险不仅提供或者搭配其他健康类保障产品销售，而且本身就有资产保值增值的作用，还可以得到相应的各种利益项保障。When selling products in different industries, in order to let customers understand the functional characteristics and usage methods of the products, it is necessary to demonstrate the products, so that customers can learn more and make purchases according to their needs. In the insurance industry, it has been more than a hundred years since modern life insurance entered China. Long-term life insurance products have always been the most popular insurance products. Many long-term life insurance products not only provide or sell in conjunction with other health protection products, but also have the function of maintaining and increasing the value of assets, and can also obtain corresponding protection of various interests.

随着产品的更新迭代加快，长期寿险的开发周期也在不断缩短，并且在给客户演示利益项时，需要计算客户在保险期内每一年度的各利益项。发明人发现，现有的演示方法是通过精算师给的费率表，对应计算得到每一项利益项收益，并将其展示给客户，存在耗时长、效率低，并发支持不高，且使用不灵活的问题。With the acceleration of product updates and iterations, the development cycle of long-term life insurance is constantly shortening, and when demonstrating benefit items to customers, it is necessary to calculate the customer's benefit items for each year during the insurance period. The inventor found that the existing demonstration method is to calculate the benefit of each benefit item according to the rate table given by the actuary, and display it to the customer, which is time-consuming, inefficient, and has low concurrent support. inflexible problem.

技术问题technical problem

本申请实施例的目的在于提出一种产品的演示方法、装置、计算机设备及存储介质，以解决相关技术中利益项演示效率低且计算容易出现错误的问题。The purpose of the embodiments of the present application is to provide a product demonstration method, apparatus, computer equipment and storage medium, so as to solve the problems of low demonstration efficiency of benefit items and easy calculation errors in the related art.

技术解决方案technical solutions

为了解决上述技术问题，本申请实施例提供一种产品的演示，采用了如下所述的技术方案：In order to solve the above-mentioned technical problems, the embodiment of the present application provides a demonstration of a product, and adopts the following technical solutions:

确定每款产品需要演示的所有项目的比率以及每个项目的影响因子；Determine the ratio of all projects that need to be demonstrated for each product and the impact factor of each project;

将所述比率以及所述影响因子配置到预设数据库中进行存储；configuring the ratio and the impact factor into a preset database for storage;

基于预设划分规则将所有项目划分为不同层级；Divide all projects into different levels based on preset division rules;

获取第一客户的特征参数，根据所述特征参数在所述预设数据库中进行比率查询，并根据所述特征参数与所述特征参数对应的比率确定符合第一客户条件的第一项目；及Acquiring characteristic parameters of the first customer, performing a ratio query in the preset database according to the characteristic parameters, and determining a first item that meets the conditions of the first customer according to the ratio corresponding to the characteristic parameters and the characteristic parameters; and

根据项目的层级划分结果计算第一得益结果，并将所述第一得益结果进行输出展示。The first benefit result is calculated according to the hierarchical division result of the project, and the first benefit result is output and displayed.

为了解决上述技术问题，本申请实施例还提供一种产品的演示装置，采用了如下所述的技术方案：In order to solve the above technical problems, the embodiment of the present application also provides a demonstration device for a product, which adopts the following technical solutions:

确定模块，用于确定每款产品需要演示的所有项目的比率以及每个项目的影响因子；Determine the module to determine the ratio of all projects that need to be demonstrated for each product and the impact factor of each project;

配置模块，用于将所述比率以及所述影响因子配置到预设数据库中进行存储；a configuration module, configured to configure the ratio and the impact factor into a preset database for storage;

层级划分模块，用于基于预设划分规则将所有项目划分为不同层级；Hierarchical division module, which is used to divide all projects into different levels based on preset division rules;

查询模块，获取第一客户的特征参数，根据所述特征参数在所述预设数据库中进行比率查询，并根据所述特征参数与所述特征参数对应的比率确定符合第一客户条件的第一项目；及计算展示模块，用于根据所述第一项目的层级划分结果进行计算第一得益结果，并将所述第一得益结果进行输出展示。The query module obtains the characteristic parameters of the first customer, performs a ratio query in the preset database according to the characteristic parameters, and determines the first customer that meets the conditions of the first customer according to the ratio corresponding to the characteristic parameters and the characteristic parameters. an item; and a calculation and display module, configured to calculate a first benefit result according to the hierarchical division result of the first item, and output and display the first benefit result.

为了解决上述技术问题，本申请实施例还提供一种计算机设备，采用了如下所述的技术方案：In order to solve the above-mentioned technical problems, the embodiment of the present application also provides a computer device, which adopts the following technical solutions:

该计算机设备包括存储器和处理器，所述存储器中存储有计算机可读指令，所述处理器执行所述计算机可读指令时实现如下所述的产品的演示方法的步骤：The computer device includes a memory and a processor, wherein computer-readable instructions are stored in the memory, and when the processor executes the computer-readable instructions, the steps of the demonstration method of the product described below are implemented:

根据所述第一项目的层级划分结果计算第一得益结果，并将所述第一得益结果进行输出展示。A first benefit result is calculated according to the hierarchical division result of the first item, and the first benefit result is output and displayed.

为了解决上述技术问题，本申请实施例还提供一种计算机可读存储介质，采用了如下所述的技术方案：In order to solve the above technical problems, the embodiments of the present application also provide a computer-readable storage medium, which adopts the following technical solutions:

所述计算机可读存储介质上存储有计算机可读指令，所述计算机可读指令被处理器执行时实现如下所述的产品的演示方法的步骤：The computer-readable storage medium stores computer-readable instructions, and when the computer-readable instructions are executed by the processor, implements the steps of the demonstration method of the product described below:

有益效果beneficial effect

本申请通过确定每款产品需要演示的所有项目的比率以及每个项目的影响因子，将比率以及影响因子配置到预设数据库中进行存储，基于预设划分规则将所有项目划分为不同层级，然后获取第一客户的特征参数，根据特征参数在预设数据库中进行比率查询，并根据特征参数与特征参数对应的比率确定符合第一客户条件的第一项目，根据第一项目的层级划分结果计算第一得益结果，并将第一得益结果进行输出展示；本申请通过将需要演示的项目进行层级划分，将查询到的全部项目根据层级划分结果进行分层计算，可以避免重复计算，使得计算更高效，同时提高计算的准确率。This application determines the ratio of all projects that need to be demonstrated for each product and the impact factor of each project, configures the ratio and impact factor into a preset database for storage, and divides all projects into different levels based on preset division rules, and then Obtain the characteristic parameters of the first customer, perform a ratio query in the preset database according to the characteristic parameters, and determine the first item that meets the conditions of the first customer according to the ratio corresponding to the characteristic parameter and the characteristic parameter, and calculate according to the hierarchical division result of the first item The first benefit result, and the first benefit result is output and displayed; this application divides the items that need to be demonstrated, and performs hierarchical calculation on all the queried items according to the hierarchical division result, which can avoid repeated calculations, so that The calculation is more efficient and the accuracy of the calculation is improved.

附图说明Description of drawings

为了更清楚地说明本申请中的方案，下面将对本申请实施例描述中所需要使用的附图作一个简单介绍，显而易见地，下面描述中的附图是本申请的一些实施例，对于本领域普通技术人员来讲，在不付出创造性劳动的前提下，还可以根据这些附图获得其他的附图。In order to illustrate the solutions in the present application more clearly, the following will briefly introduce the accompanying drawings used in the description of the embodiments of the present application. For those of ordinary skill, other drawings can also be obtained from these drawings without any creative effort.

图1是本申请可以应用于其中的示例性***架构图；FIG. 1 is an exemplary system architecture diagram to which the present application can be applied;

图2根据本申请的产品的演示方法的一个实施例的流程图；Figure 2 is a flow chart of one embodiment of a method for demonstrating a product according to the present application;

图3是图2中步骤S202的一种具体实施方式的流程图；Fig. 3 is a flow chart of a specific implementation manner of step S202 in Fig. 2;

图4根据本申请的产品的演示方法的另一个实施例的流程图；4 is a flowchart of another embodiment of a method for demonstrating a product according to the present application;

图5是根据本申请的产品的演示装置的一个实施例的结构示意图；5 is a schematic structural diagram of an embodiment of a demonstration device for a product according to the present application;

图6是根据本申请的计算机设备的一个实施例的结构示意图。FIG. 6 is a schematic structural diagram of an embodiment of a computer device according to the present application.

本发明的最佳实施方式BEST MODE FOR CARRYING OUT THE INVENTION

请参阅图3，图3示出了步骤S202的一种具体实施方式，步骤S202中，将比率以及影响因子配置到预设数据库中进行存储的具体过程，详叙如下：Please refer to FIG. 3. FIG. 3 shows a specific implementation of step S202. In step S202, the specific process of configuring the ratio and the impact factor into a preset database for storage is described in detail as follows:

步骤S301，对影响因子进行分析，将年度因子从影响因子中提取出来，存储在预设数据库的年度因子字段中。Step S301, analyze the impact factor, extract the annual factor from the impact factor, and store it in the annual factor field of the preset database.

每个项目的比率以及影响因子按照预设规则存储在预设数据库的不同字段中。具体地，年度因子为保单年度因子，根据关键字可以将年度因子从比率表中提取出来，例如，保单年度在费率表中用policy annual表示，policy annual这一列中填充的数值为1，2等，具体数值如1、2则为保单年度因子，表示第一个保单年度、第二个保单年度；根据关键词policy annual则可以将年度因子提取出来。The ratio and impact factor of each item are stored in different fields of the preset database according to preset rules. Specifically, the annual factor is the policy year factor, and the annual factor can be extracted from the rate table according to the keyword. For example, the policy year uses policy in the rate table annual means that the values filled in the column policy annual are 1, 2, etc. The specific values such as 1 and 2 are policy year factors, indicating the first policy year and the second policy year; according to the keyword policy annual, you can The annual factor is extracted.

将年度因子提取出来，将其存储于预设数据库的年度因子字段中，年度因子字段的名称可以用“policy annual”表示。Extract the annual factor and store it in the annual factor field of the preset database. The name of the annual factor field can be represented by "policy annual".

步骤S302，将提取后剩余的影响因子按照预设规则进行拼接，存储在预设数据库的其他因子字段中，并将比率存储至预设数据库的比率字段中。Step S302, splicing the remaining influence factors after extraction according to preset rules, storing them in other factor fields of the preset database, and storing the ratio in the ratio field of the preset database.

具体地，将年度因子从影响因子中提取出来后，剩余的影响因子则统称为其他因子，将其他因子按照预设规则进行拼接，存储在预设数据库的其他因子字段中，并将比率值存储至预设数据库的比率字段中。预设规则拼接可以为通过“#”进行拼接，其他因子字段的名称可以用“rate factor splice”来表示，比率字段的名称可以用“rate amount”来表示。Specifically, after the annual factor is extracted from the impact factors, the remaining impact factors are collectively referred to as other factors. The other factors are spliced according to preset rules, stored in other factor fields in the preset database, and the ratio value is stored. into the ratio field of the preset database. The preset rule splicing can be spliced by "#", the name of other factor fields can be represented by "rate factor splice", and the name of the ratio field can be represented by "rate amount".

举例而言，假设利益项为现金价值，费率表中对应的数据为：For example, assuming the benefit item is the cash value, the corresponding data in the rate table is:

性别：男；年龄：10；不吸烟；有社保；缴费期限3年；保单年度：第一年；费率：13；Gender: Male; Age: 10; Non-smoking; Social Security; 3-year payment term; Policy Year: 1st Year; Rate: 13;

则根据关键字将保单年度因子提取出来，用年度因子字段进行存储，存储值为1；将其他因子通过“#”进行拼接，拼接为：男#10#N#Y#3，将其存储在其他因子字段中；将费率存储在比率字段中，存储值为13。Then extract the policy year factor according to the keyword, store it in the year factor field, and the storage value is 1; splicing other factors through "#", splicing into: male#10#N#Y#3, and storing it in other factor fields; store the rate in the ratio field with a value of 13.

在给客户展示所有项目时，都需要从第一个年度展示到保障期限结束年限截止，通过将所有项目的年度因子单独提取出来放在年度因子字段，而其他因子通过#拼接存放在其他因子字段中，这样在查询比率时，就可以把每个项目对应的比率一次性全部查询出来。When displaying all projects to customers, it is necessary to display from the first year to the end of the guarantee period, by extracting the annual factors of all projects separately and placing them in the annual factor field, while other factors are stored in other factor fields by # splicing In this way, when querying the ratio, the ratio corresponding to each item can be queried all at once.

本发明的实施方式Embodiments of the present invention

除非另有定义，本文所使用的所有的技术和科学术语与属于本申请的技术领域的技术人员通常理解的含义相同；本文中在申请的说明书中所使用的术语只是为了描述具体的实施例的目的，不是旨在于限制本申请；本申请的说明书和权利要求书及上述附图说明中的术语“包括”和“具有”以及它们的任何变形，意图在于覆盖不排他的包含。本申请的说明书和权利要求书或上述附图中的术语“第一”、“第二”等是用于区别不同对象，而不是用于描述特定顺序。Unless otherwise defined, all technical and scientific terms used herein have the same meaning as commonly understood by one of ordinary skill in the technical field of this application; the terms used herein in the specification of the application are for the purpose of describing specific embodiments only It is not intended to limit the application; the terms "comprising" and "having" and any variations thereof in the description and claims of this application and the above description of the drawings are intended to cover non-exclusive inclusion. The terms "first", "second" and the like in the description and claims of the present application or the above drawings are used to distinguish different objects, rather than to describe a specific order.

在本文中提及“实施例”意味着，结合实施例描述的特定特征、结构或特性可以包含在本申请的至少一个实施例中。在说明书中的各个位置出现该短语并不一定均是指相同的实施例，也不是与其它实施例互斥的独立的或备选的实施例。本领域技术人员显式地和隐式地理解的是，本文所描述的实施例可以与其它实施例相结合。Reference herein to an "embodiment" means that a particular feature, structure, or characteristic described in connection with the embodiment can be included in at least one embodiment of the present application. The appearances of the phrase in various places in the specification are not necessarily all referring to the same embodiment, nor a separate or alternative embodiment that is mutually exclusive of other embodiments. It is explicitly and implicitly understood by those skilled in the art that the embodiments described herein may be combined with other embodiments.

为了使本技术领域的人员更好地理解本申请方案，下面将结合附图，对本申请实施例中的技术方案进行清楚、完整地描述。In order to make those skilled in the art better understand the solutions of the present application, the technical solutions in the embodiments of the present application will be described clearly and completely below with reference to the accompanying drawings.

为了解决相关技术中利益项演示效率低且计算容易出现错误的问题，本申请提供了一种产品的演示方法，应用于如图1所示***架构100中，***架构100可以包括终端设备101、102、103，网络104和服务器105。网络104用以在终端设备101、102、103和服务器105之间提供通信链路的介质。网络104可以包括各种连接类型，例如有线、无线通信链路或者光纤电缆等等。In order to solve the problems in the related art that the demonstration efficiency of benefit items is low and the calculation is prone to errors, the present application provides a demonstration method for a product, which is applied to the system architecture 100 shown in FIG. 102, 103, network 104 and server 105. The network 104 is a medium used to provide a communication link between the terminal devices 101 , 102 , 103 and the server 105 . The network 104 may include various connection types, such as wired, wireless communication links, or fiber optic cables, among others.

用户可以使用终端设备101、102、103通过网络104与服务器105交互，以接收或发送消息等。终端设备101、102、103上可以安装有各种通讯客户端应用，例如网页浏览器应用、购物类应用、搜索类应用、即时通信工具、邮箱客户端、社交平台软件等。The user can use the terminal devices 101, 102, 103 to interact with the server 105 through the network 104 to receive or send messages and the like. Various communication client applications may be installed on the terminal devices 101 , 102 and 103 , such as web browser applications, shopping applications, search applications, instant messaging tools, email clients, social platform software, and the like.

终端设备101、102、103可以是具有显示屏并且支持网页浏览的各种电子设备，包括但不限于智能手机、平板电脑、电子书阅读器、MP3播放器( Moving Picture Experts Group Audio Layer III，动态影像专家压缩标准音频层面3 )、MP4( Moving Picture Experts Group Audio Layer IV，动态影像专家压缩标准音频层面4 )播放器、膝上型便携计算机和台式计算机等等。The terminal devices 101, 102, and 103 may be various electronic devices that have a display screen and support web browsing, including but not limited to smart phones, tablet computers, e-book readers, MP3 players (Moving Picture Experts Group Audio Layer III, dynamic Video Expert Compression Standard Audio Layer 3), MP4 (Moving Picture Experts Group Audio Layer IV, Motion Picture Experts Compression Standard Audio Layer 4) Players, Laptops and Desktops, etc.

服务器105可以是提供各种服务的服务器，例如对终端设备101、102、103上显示的页面提供支持的后台服务器。The server 105 may be a server that provides various services, such as a background server that provides support for the pages displayed on the terminal devices 101 , 102 , and 103 .

需要说明的是，本申请实施例所提供的产品的演示方法一般由服务器执行，相应地，产品的演示装置一般设置于服务器中。It should be noted that the demonstration method of the product provided by the embodiment of the present application is generally executed by the server, and accordingly, the demonstration device of the product is generally set in the server.

应该理解，图1中的终端设备、网络和服务器的数目仅仅是示意性的。根据实现需要，可以具有任意数目的终端设备、网络和服务器。It should be understood that the numbers of terminal devices, networks and servers in FIG. 1 are merely illustrative. There can be any number of terminal devices, networks and servers according to implementation needs.

继续参考图2，示出了根据本申请的产品的演示的方法的一个实施例的流程图。该方法包括以下步骤：With continued reference to Figure 2, a flow diagram of one embodiment of a method of demonstration of a product according to the present application is shown. The method includes the following steps:

步骤S201，确定每款产品需要演示的所有项目的比率以及每个项目的影响因子。Step S201, determine the ratio of all items that need to be demonstrated for each product and the impact factor of each item.

具体地，产品可以为保险产品，例如，寿险产品等。保险产品能为客户提供一项或多项保障责任，于客户而言，则可享受保险产品的保障责任所对应的权益，而所享受的权益相对应地可以为客户带来利益，在本实施例中，产品需要演示的项目即为保险产品为客户带来利益的利益项，相应地，比率则为每个利益项对应的费率。下文进行详细说明的时候，以利益项称呼项目，以费率称呼比率。Specifically, the product may be an insurance product, for example, a life insurance product and the like. Insurance products can provide customers with one or more protection responsibilities. As far as customers are concerned, they can enjoy the rights and interests corresponding to the protection responsibilities of insurance products, and the rights and interests they enjoy can bring benefits to customers. In the example, the item that the product needs to demonstrate is the benefit item that the insurance product brings benefits to the customer, and accordingly, the ratio is the rate corresponding to each benefit item. In the following detailed description, projects are referred to as benefit terms and rates are referred to as rates.

应当理解，每款产品在开发时已经配置好了相应的需要演示的项目，产品确定，则产品的项目也就确定了。It should be understood that each product has been configured with the corresponding items that need to be demonstrated during development, and if the product is confirmed, the project of the product is also confirmed.

费率是计算保险费的重要依据，是保险人按保险金额向购买保险的人收取保险费的比例，费率也会随着保险责任、市场风险和需求等因素的变化而进行调整。本实施例中，自研一个互联网保险产品配置中台***（下文简称：产品工厂），在该产品工厂中配置每款产品的利益项费率。The rate is an important basis for calculating insurance premiums. It is the proportion of insurance premiums charged by insurers to those who purchase insurance according to the insurance amount. In this embodiment, an Internet insurance product configuration middle-office system (hereinafter referred to as a product factory) is developed by ourselves, and the benefit item rate of each product is configured in the product factory.

具体地，项目包括但不限于保单年度、年度保费、累计保费、现金价值、复归红利、期满红利、退保返还金、退保最终受益、意外身故金以及疾病身故金。影响因子包括但不限于性别、年龄、生活习惯、健康状况、家庭状况、社保情况。Specifically, items include, but are not limited to, policy year, annual premium, accumulated premium, cash value, reversionary bonus, maturity bonus, surrender refund, ultimate surrender benefit, accidental death benefit, and sickness death benefit. Impact factors include but are not limited to gender, age, living habits, health status, family status, and social security status.

需要说明的是，每个项目都会设置一个比率表，具体地，每个利益项都设置有一个费率表，费率表由精算师提供，一般是Excel表格，表中除了最后一列是费率值，其他多列都是影响因子。It should be noted that each item will be set with a rate table. Specifically, each benefit item will be set with a rate table. The rate table is provided by the actuary, which is usually an Excel table. Except for the last column in the table, the rate is the rate table. value, and other columns are impact factors.

在本实施例中，产品的演示方法运行于其上的电子设备(例如图1所示的服务器)可以通过有线连接方式或者无线连接方式。需要指出的是，上述无线连接方式可以包括但不限于3G/4G连接、WiFi连接、蓝牙连接、WiMAX连接、Zigbee连接、UWB( ultra wideband )连接、以及其他现在已知或将来开发的无线连接方式。In this embodiment, the electronic device (for example, the server shown in FIG. 1 ) on which the demonstration method of the product runs may be connected through a wired connection or a wireless connection. It should be pointed out that the above wireless connection methods may include but are not limited to 3G/4G connection, WiFi connection, Bluetooth connection, WiMAX connection, Zigbee connection, UWB (ultra wideband ) connection, and other wireless connections now known or developed in the future.

步骤S202，将比率以及影响因子配置到预设数据库中进行存储。Step S202, configure the ratio and the impact factor into a preset database for storage.

需要说明的是，确定每款产品需要演示的所有项目以及每个项目对应的影响因子，将每个项目的比率以及影响因子按照预设格式配置到预设数据库的比率表中进行存储，具体是将比率以及对应的影响因子进行关联存储。It should be noted that, determine all the projects that need to be demonstrated for each product and the corresponding impact factors of each project, and configure the ratio and impact factor of each project in the ratio table of the preset database according to the preset format for storage, specifically: The ratio and the corresponding impact factor are stored in association.

预设数据库可以为PG（PostgreSQL）数据库，是一个功能强大的开源对象关系型数据库***，使用和扩展了SQL语言，并结合了许多安全存储和扩展最复杂数据工作负载的功能。The default database can be the PG (PostgreSQL) database, a powerful open source object-relational database system that uses and extends the SQL language and combines many functions to securely store and scale the most complex data workloads.

在本实施例的一些可选的实现方式中，将比率以及影响因子配置到预设数据库中进行存储具体包括以下步骤：In some optional implementations of this embodiment, configuring the ratio and the impact factor into a preset database for storage specifically includes the following steps:

步骤S203，基于预设划分规则将所有项目划分为不同层级。Step S203: Divide all items into different levels based on a preset division rule.

具体地，将有关联联系的项目划分为1、2、3等不同层层级，1层层级的为基础计算项，2层层级的项目会依赖于1层层级的计算结果，3层层级项目需要依赖2层层级的计算结果。在本实施例中，预设划分规则为项目计算公式，比如a项目的计算公式，是纯公式既不包含其他项目计算结果，就是1层层级，b项目的公式中包含了a的计算结果作为计算的因数，那么b就是2层层级，以此类推。需要说明的是，计算公式是由精算提供的。Specifically, the related projects are divided into different levels such as 1, 2, and 3. The 1st level is the basic calculation item, the 2nd level project will depend on the calculation result of the 1st level, and the 3rd level project needs Depends on the calculation results of the 2-layer hierarchy. In this embodiment, the preset division rule is an item calculation formula. For example, the calculation formula of item a is a pure formula that does not include calculation results of other items, or a level 1. The formula of item b includes the calculation result of a as the calculation result of item b. Calculated factor, then b is a 2-level hierarchy, and so on. It should be noted that the calculation formula is provided by the actuary.

举例而言，一个产品的所有利益项分别为现金价值、复归红利、退保返还金、累计保费、最终退保收益，不同层级的利益项收益计算如下：For example, all benefit items of a product are cash value, reversionary bonus, surrender refund, accumulated premium, and final surrender income. The benefits of different levels are calculated as follows:

累计保费=缴费年度*年度保费；Accumulated premium = payment year * annual premium;

现金价值=保额/1000*现金价值费率；Cash value=Insured amount/1000*Cash value rate;

复归红利=现金价值/1000*复归红利费率；Reversionary bonus=cash value/1000*reversionary bonus rate;

退保返还金=现金价值+复归红利；Surrender return = cash value + reversionary bonus;

最终退保收益=max（累计保费*105%，退保返还金）。Final surrender income = max (accumulated premium * 105%, surrender refund).

则根据利益项计算公式，将所有利益项进行层级划分，现金价值和累计保费为1层级，复归红利为2层级，退保返还金为3层级，最终退保收益为4层级。Then, according to the calculation formula of benefit items, all benefit items are divided into tiers. Cash value and accumulated premium are tier 1, reversionary bonus is tier 2, surrender refund is tier 3, and final surrender income is tier 4.

步骤S204，获取第一客户的特征参数，根据特征参数在预设数据库中进行比率查询，并根据特征参数与特征参数对应的比率确定符合第一客户条件的第一项目。Step S204: Obtain characteristic parameters of the first customer, perform a ratio query in a preset database according to the characteristic parameters, and determine the first item that meets the first customer condition according to the ratio corresponding to the characteristic parameters and the characteristic parameters.

应当理解，每款产品都配置相应的需要演示的项目，每个项目都有对应的影响因子以及比率。在本实施例中，符合第一客户条件的第一项目是指满足第一客户的特征参数以及根据第一客户的特征参数查询到的比率所对应的第一项目。It should be understood that each product is configured with a corresponding project that needs to be demonstrated, and each project has a corresponding impact factor and ratio. In this embodiment, the first item that meets the first customer condition refers to the first item that satisfies the characteristic parameter of the first customer and the first item corresponding to the ratio queried according to the characteristic parameter of the first customer.

具体地，将特征参数作为第一影响因子，根据第一影响因子在预设数据库中进行比率查询，得到第一影响因子对应的比率。Specifically, taking the characteristic parameter as the first influence factor, a ratio query is performed in the preset database according to the first influence factor, and the ratio corresponding to the first influence factor is obtained.

在本实施例中，第一客户为待投保人，特征参数包括性别、年龄、生活习惯、健康状况、家庭状况、社保情况等，与影响因子对应，为提高查询效率，可以将第一客户的特征参数作为第一影响因子，直接在预设数据库中进行查询。In this embodiment, the first customer is the person to be insured, and the characteristic parameters include gender, age, living habits, health status, family status, social security status, etc., which correspond to the impact factors. In order to improve the query efficiency, the first customer's The characteristic parameter is used as the first influence factor, which is directly queried in the preset database.

应当理解，每个项目的数据对应有影响因子、比率，同样，根据影响因子，可以查询到对应的比率，根据影响因子以及对应的比率可以确定项目。It should be understood that the data of each project corresponds to an impact factor and a ratio. Similarly, according to the impact factor, the corresponding ratio can be queried, and the project can be determined according to the impact factor and the corresponding ratio.

需要强调的是，为进一步保证上述第一客户的特征参数的私密和安全性，上述第一客户的特征参数还可以存储于一区块链的节点中。It should be emphasized that, in order to further ensure the privacy and security of the characteristic parameters of the first customer, the characteristic parameters of the first customer may also be stored in a node of a blockchain.

本申请所指区块链是分布式数据存储、点对点传输、共识机制、加密算法等计算机技术的新型应用模式。区块链(Blockchain)，本质上是一个去中心化的数据库，是一串使用密码学方法相关联产生的数据块，每一个数据块中包含了一批次网络交易的信息，用于验证其信息的有效性(防伪)和生成下一个区块。区块链可以包括区块链底层平台、平台产品服务层以及应用服务层等。The blockchain referred to in this application is a new application mode of computer technologies such as distributed data storage, point-to-point transmission, consensus mechanism, and encryption algorithm. Blockchain, essentially a decentralized database, is a series of data blocks associated with cryptographic methods. Each data block contains a batch of network transaction information to verify its Validity of information (anti-counterfeiting) and generation of the next block. The blockchain can include the underlying platform of the blockchain, the platform product service layer, and the application service layer.

步骤S205，根据项目的层级划分结果计算第一得益结果，并将第一得益结果进行输出展示。Step S205: Calculate the first benefit result according to the hierarchical division result of the project, and output and display the first benefit result.

在本实施例中，获取到与第一客户对应的全部利益项，根据全部利益项相应地可以得到符合第一客户条件的产品。根据利益项的划分层级对全部利益项进行分层计算，将计算出的利益项以及对应的第一得益结果展示给第一客户。In this embodiment, all benefit items corresponding to the first customer are obtained, and products that meet the conditions of the first customer can be obtained accordingly according to all the benefit items. All benefit items are calculated hierarchically according to the division level of the benefit items, and the calculated benefit items and the corresponding first benefit result are displayed to the first client.

需要说明的是，利益项的计算方法同上述步骤S203中的计算方法一样，在此不再赘述。It should be noted that the calculation method of the benefit item is the same as the calculation method in the foregoing step S203, and details are not described herein again.

在本实施例的一些可选的实现方式中，在步骤202之后，上述电子设备还可以执行以下步骤：In some optional implementations of this embodiment, after step 202, the above electronic device may further perform the following steps:

对预设数据库中所有影响因子进行统计分析，确定相同影响因子；Statistical analysis of all impact factors in the preset database to determine the same impact factors;

将相同影响因子和相同影响因子对应的比率组成比率集合，并将比率集合存入缓存器中。A ratio set is composed of the same influence factor and the ratio corresponding to the same influence factor, and the ratio set is stored in the buffer.

具体地，将影响因子分为年度因子和其他因子，并分别存储于预设数据库的年度因子字段和其他因子字段中，对年度因子字段和其他因子字段进行统计分类，若年度因子字段和其他因子字段都相同，则说明影响因子相同，将相同影响因子以及相同影响因子对应的比率组成比率集合存入缓存器中。Specifically, the impact factors are divided into annual factors and other factors, and are stored in the annual factor fields and other factor fields of the preset database respectively, and the annual factor fields and other factor fields are statistically classified. If the fields are the same, it means that the impact factor is the same, and the same impact factor and the ratio corresponding to the same impact factor are formed into a ratio set and stored in the register.

本实施例中，缓存器可以为Redis（Remote Dictionary Server，远程字典服务），是一个开源的使用ANSI C语言编写、支持网络、可基于内存亦可持久化的日志型、Key-Value数据库。In this embodiment, the buffer may be Redis (Remote Dictionary Server, Remote Dictionary Service), is an open source using ANSI A log-type, Key-Value database written in C language, supporting network, memory-based and persistent.

在本实施例中，将相同影响因子以及相同影响因子查询到比率组成比率集合，把这个比率集合存入缓存器中，方便下次相同影响因子的查询，这样就不需要再到预设数据库中查询，直接从缓存器中获取相应的比率，从而提高效率。In this embodiment, the same influence factor and the same influence factor are queried to form a ratio set, and the ratio set is stored in the buffer to facilitate the next query of the same influence factor, so that there is no need to go to the preset database. Query, get the corresponding ratio directly from the cache, thereby improving efficiency.

在一些可选的实现方式中，基于预设划分规则将所有项目划分为不同层级，将相同影响因子下的项目根据层级划分的结果进行计算，将每个层级的每个项目计算得到的得益结果都存入缓存器中，多级缓存数据，让计算更加高效，如果某一层级的数据丢失，其他层级的数据还可继续使用，同时，多级缓存数据让相同影响因子的计算，只需计算一次，提高响应速度。例如，计算了一位女性，30岁，不吸烟，有社保影响因子下的所有利益项，那下次同为女性，30岁，不吸烟，有社保的人，不需要再重复计算，直接从缓存器返回得益结果。In some optional implementations, all projects are divided into different levels based on preset division rules, the projects under the same impact factor are calculated according to the results of the level division, and the benefits obtained by each project at each level are calculated. The results are stored in the cache, and the data is cached at multiple levels to make the calculation more efficient. If the data at one level is lost, the data at other levels can continue to be used. Calculate once to improve response speed. For example, if a female, 30 years old, non-smoker, and has all the benefit items under the social security impact factor are calculated, then the next time the same woman, 30 years old, non-smoking, and social security person, do not need to repeat the calculation, directly from the The buffer returns the beneficial result.

在一些可选的实现方式中，获取第一客户的特征参数，并将特征参数作为对应的第一影响因子后，判断第一影响因子是否存储于缓存器中，若是，直接从缓存器返回对应的比率结果；若否，执行根据第一影响因子在预设数据库中进行比率查询的步骤。由于已经将相同影响因子的比率集合存入缓存器，在获得第一客户对应的第一影响因子，先在缓存器中进行查询，若存在与第一影响因子相同的影响因子，直接从缓存器中返回结果，提高响应速度。In some optional implementation manners, after acquiring the characteristic parameters of the first customer, and using the characteristic parameters as the corresponding first influence factors, it is judged whether the first influence factors are stored in the buffer, and if so, the corresponding information is directly returned from the buffer. The ratio result; if not, perform the step of querying the ratio in the preset database according to the first impact factor. Since the ratio set of the same impact factor has been stored in the buffer, after obtaining the first impact factor corresponding to the first client, the first query is performed in the buffer. The result is returned in the middle, and the response speed is improved.

在一些可选的实现方式中，在步骤204之前，上述电子设备可以执行以下步骤：In some optional implementations, before step 204, the above electronic device may perform the following steps:

步骤S401，配置预加载的目标产品的参数，并计算目标产品的第二得益结果。Step S401, configure the parameters of the preloaded target product, and calculate the second benefit result of the target product.

具体地，根据目标客户的影响因子为目标产品的第二项目配置影响因子，配置完成后，按照第二项目的层级划分结果计算第二得益结果。Specifically, the influence factor is configured for the second item of the target product according to the influence factor of the target customer, and after the configuration is completed, the second benefit result is calculated according to the hierarchical division result of the second item.

在本实施例中，目标产品可以为需要定时搞促销活动的产品或者已知主要的购买人群和目标客户的产品。In this embodiment, the target product may be a product that needs to be regularly promoted, or a product that is known to have major buying groups and target customers.

在自研的产品工厂中，根据已知的影响因子进行配置。举例说明，某分红产品有10个利益项，比如期满红利，复归红利，现金价值等，根据以往的数据经验，该产品的目标客户或者主购买客户，集中在30-50岁的男性，具有社保，大概投保金额为5万~20万，根据已知的这些影响因子就可以在产品工厂中指定需要提前预加载这部分人群的利益项演示。In the self-developed product factory, it is configured according to the known influence factors. For example, a dividend-sharing product has 10 benefit items, such as maturity bonus, reversionary bonus, cash value, etc. According to past data and experience, the target customers or main purchasers of this product are concentrated in men aged 30-50, with For social security, the insured amount is about 50,000 to 200,000. According to the known impact factors, the product factory can specify the benefit item demonstration that needs to be preloaded for this group of people in advance.

配置生效后，产品工厂后台就将按照配置各利益项的层级划分结果计算出对应的利益项的得益结果。After the configuration takes effect, the backend of the product factory will calculate the benefit result of the corresponding benefit item according to the hierarchical division result of each benefit item in the configuration.

通过提前配置目标产品待演示的各项目以及计算各项目的得益结果，可以提高计算效率，同时方便数据读取，进一步提高响应速度。By configuring each item to be demonstrated by the target product in advance and calculating the benefit result of each item, the calculation efficiency can be improved, and the data reading can be facilitated to further improve the response speed.

步骤S402，将计算得到的第二得益结果存入缓存器中。Step S402, the second benefit result obtained by calculation is stored in the buffer.

在本实施例中，将计算得到的各利益项的得益结果存入缓存器，这样在这部分人群投保时，即可支持毫秒级数据返回，并且支持高并发情况下单。In this embodiment, the calculated benefit results of each benefit item are stored in the buffer, so that when this part of the population is insured, it can support millisecond-level data return and support order placement under high concurrency.

本实施例中通过预加载功能，很好地支持了高并发情况，让数据在毫秒级返回。In this embodiment, high concurrency is well supported by the preloading function, and data is returned in milliseconds.

本申请可用于众多通用或专用的计算机***环境或配置中。例如：个人计算机、服务器计算机、手持设备或便携式设备、平板型设备、多处理器***、基于微处理器的***、置顶盒、可编程的消费电子设备、网络PC、小型计算机、大型计算机、包括以上任何***或设备的分布式计算环境等等。本申请可以在由计算机执行的计算机可执行指令的一般上下文中描述，例如程序模块。一般地，程序模块包括执行特定任务或实现特定抽象数据类型的例程、程序、对象、组件、数据结构等等。也可以在分布式计算环境中实践本申请，在这些分布式计算环境中，由通过通信网络而被连接的远程处理设备来执行任务。在分布式计算环境中，程序模块可以位于包括存储设备在内的本地和远程计算机存储介质中。The present application may be used in numerous general purpose or special purpose computer system environments or configurations. For example: personal computers, server computers, handheld or portable devices, tablet devices, multiprocessor systems, microprocessor-based systems, set-top boxes, programmable consumer electronics, network PCs, minicomputers, mainframe computers, including A distributed computing environment for any of the above systems or devices, and the like. The application may be described in the general context of computer-executable instructions, such as program modules, being executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform particular tasks or implement particular abstract data types. The application may also be practiced in distributed computing environments where tasks are performed by remote processing devices that are linked through a communications network. In a distributed computing environment, program modules may be located in both local and remote computer storage media including storage devices.

本领域普通技术人员可以理解实现上述实施例方法中的全部或部分流程，是可以通过计算机可读指令来指令相关的硬件来完成，该计算机可读指令可存储于一计算机可读取存储介质中，该程序在执行时，可包括如上述各方法的实施例的流程。其中，前述的存储介质可为磁碟、光盘、只读存储记忆体（Read-Only Memory，ROM）等非易失性存储介质，或随机存储记忆体（Random Access Memory，RAM）等。Those of ordinary skill in the art can understand that all or part of the processes in the methods of the above embodiments can be implemented by instructing the relevant hardware through computer-readable instructions, and the computer-readable instructions can be stored in a computer-readable storage medium. , when the program is executed, it may include the processes of the foregoing method embodiments. Wherein, the aforementioned storage medium may be a magnetic disk, an optical disk, a read-only storage memory (Read-Only Memory) Memory, ROM) and other non-volatile storage media, or random storage memory (Random Access Memory, RAM), etc.

应该理解的是，虽然附图的流程图中的各个步骤按照箭头的指示依次显示，但是这些步骤并不是必然按照箭头指示的顺序依次执行。除非本文中有明确的说明，这些步骤的执行并没有严格的顺序限制，其可以以其他的顺序执行。而且，附图的流程图中的至少一部分步骤可以包括多个子步骤或者多个阶段，这些子步骤或者阶段并不必然是在同一时刻执行完成，而是可以在不同的时刻执行，其执行顺序也不必然是依次进行，而是可以与其他步骤或者其他步骤的子步骤或者阶段的至少一部分轮流或者交替地执行。It should be understood that although the various steps in the flowchart of the accompanying drawings are sequentially shown in the order indicated by the arrows, these steps are not necessarily executed in sequence in the order indicated by the arrows. Unless explicitly stated herein, the execution of these steps is not strictly limited to the order and may be performed in other orders. Moreover, at least a part of the steps in the flowchart of the accompanying drawings may include multiple sub-steps or multiple stages, and these sub-steps or stages are not necessarily executed at the same time, but may be executed at different times, and the execution sequence is also It does not have to be performed sequentially, but may be performed alternately or alternately with other steps or at least a portion of sub-steps or stages of other steps.

进一步参考图5，作为对上述图2所示方法的实现，本申请提供了一种产品的演示装置的一个实施例，该装置实施例与图2所示的方法实施例相对应，该装置具体可以应用于各种电子设备中。Further referring to FIG. 5 , as an implementation of the method shown in FIG. 2 above, the present application provides an embodiment of a demonstration device for a product. The device embodiment corresponds to the method embodiment shown in FIG. 2 . Can be used in various electronic devices.

如图5所示，本实施例所述的产品的演示装置500包括：确定模块501、配置模块502、层级划分模块503、查询模块504以及计算展示模块505。其中：As shown in FIG. 5 , the product demonstration device 500 in this embodiment includes: a determination module 501 , a configuration module 502 , a hierarchical division module 503 , a query module 504 , and a calculation display module 505 . in:

确定模块501用于确定每款产品需要演示的所有项目的比率以及每个项目的影响因子；The determination module 501 is used to determine the ratio of all items that need to be demonstrated for each product and the impact factor of each item;

配置模块502用于将所述比率以及所述影响因子配置到预设数据库中进行存储；The configuration module 502 is configured to configure the ratio and the impact factor into a preset database for storage;

层级划分模块503用于基于预设划分规则将所有项目划分为不同层级；The level division module 503 is used to divide all items into different levels based on preset division rules;

查询模块504用于获取第一客户的特征参数，根据所述特征参数在所述预设数据库中进行比率查询，并根据特征参数与特征参数对应的比率确定符合第一客户条件的第一项目；The query module 504 is configured to obtain the characteristic parameters of the first customer, perform a ratio query in the preset database according to the characteristic parameters, and determine the first item that meets the conditions of the first customer according to the ratio corresponding to the characteristic parameters and the characteristic parameters;

计算展示模块505用于根据所述第一项目的层级划分结果计算第一得益结果，并将第一得益结果进行输出展示。The calculation and display module 505 is configured to calculate the first benefit result according to the hierarchical division result of the first item, and output and display the first benefit result.

上述产品的演示装置，通过确定每款产品需要演示的所有项目的比率以及每个项目的影响因子，将比率以及影响因子配置到预设数据库中进行存储，基于预设划分规则将所有项目划分为不同层级，然后获取第一客户的特征参数，根据特征参数在预设数据库中进行比率查询，并根据特征参数与特征参数对应的比率确定符合第一客户条件的第一项目，根据第一项目的层级划分结果计算第一得益结果，并将第一得益结果进行输出展示；通过将需要演示的项目进行层级划分，将查询到的全部项目根据层级划分结果进行分层计算，可以避免重复计算，使得计算更高效，同时提高计算的准确率。The demonstration device of the above-mentioned products, by determining the ratio of all projects that need to be demonstrated for each product and the impact factor of each project, configure the ratio and impact factor into a preset database for storage, and divide all projects into Different levels, then obtain the characteristic parameters of the first customer, perform a ratio query in the preset database according to the characteristic parameters, and determine the first item that meets the conditions of the first customer according to the ratio corresponding to the characteristic parameter and the characteristic parameter. The hierarchical division result calculates the first benefit result, and outputs and displays the first benefit result; by dividing the items that need to be demonstrated, all the queried items are calculated hierarchically according to the hierarchical division result, which can avoid repeated calculations , making the calculation more efficient and improving the accuracy of the calculation.

在本实施例的一些可选的实现方式中，配置模块502包括提取子模块和拼接子模块，提取子模块用于对影响因子进行分析，将年度因子从影响因子中提取出来，存储在预设数据库的年度因子字段中；拼接子模块用于将提取后剩余的影响因子按照预设规则进行拼接，存储在预设数据库的其他因子字段中，并将比率存储至预设数据库的比率字段中。In some optional implementations of this embodiment, the configuration module 502 includes an extraction sub-module and a splicing sub-module, and the extraction sub-module is used to analyze the impact factor, extract the annual factor from the impact factor, and store it in a preset In the annual factor field of the database; the splicing sub-module is used to splicing the remaining influence factors after extraction according to the preset rules, storing them in other factor fields in the preset database, and storing the ratio in the ratio field of the preset database.

通过将所有项目的年度因子单独提取出来放在年度因子字段，而其他因子通过拼接存放在其他因子字段中，这样在查询比率时，就可以把每个项目对应的比率一次性全部查询出来。By extracting the annual factors of all items separately and placing them in the annual factor field, and storing other factors in other factor fields by splicing, when querying the ratio, the ratio corresponding to each item can be queried all at once.

在本实施例的一些可选的实现方式中，查询模块504进一步用于将特征参数作为第一影响因子，根据第一影响因子在预设数据库中进行比率查询，得到所述第一影响因子对应的比率。In some optional implementations of this embodiment, the query module 504 is further configured to use the characteristic parameter as the first influence factor, perform a ratio query in the preset database according to the first influence factor, and obtain the corresponding first influence factor The ratio.

通过将第一客户的特征参数作为第一影响因子，直接在预设数据库中进行比率查询，可以提高查询效率。By using the characteristic parameter of the first customer as the first influence factor, and directly querying the ratio in the preset database, the query efficiency can be improved.

在本实施例的一些可选的实现方式中，产品的演示装置500还包括缓存模块，缓存模块包括统计分析子模块和缓存子模块，统计分析子模块用于对预设数据库中所有影响因子进行统计分析，确定相同影响因子；缓存子模块用于将相同影响因子和相同影响因子对应的比率组成比率集合，并将所述比率集合存入缓存器中，这样方便下次相同影响因子的查询，这样就不需要再到预设数据库中查询，直接从缓存器中获取相应的费率，从而提高效率。In some optional implementations of this embodiment, the product demonstration device 500 further includes a cache module, the cache module includes a statistical analysis sub-module and a cache sub-module, and the statistical analysis sub-module is used to perform a statistical analysis on all the influencing factors in the preset database. Statistical analysis to determine the same impact factor; the cache sub-module is used to form a ratio set with the same impact factor and the ratio corresponding to the same impact factor, and store the ratio set in the buffer, which is convenient for the next query of the same impact factor, In this way, there is no need to query the preset database, and the corresponding rate is directly obtained from the cache, thereby improving efficiency.

查询模块504还包括判断子模块，判断子模块用于判断所述第一影响因子是否存储于缓存器中，若是，直接从缓存器返回对应的比率结果；若否，执行所述根据所述第一影响因子在所述预设数据库中进行比率查询的步骤。The query module 504 also includes a judging sub-module, which is used for judging whether the first impact factor is stored in the buffer, and if so, directly returns the corresponding ratio result from the buffer; The step of querying the ratio of an impact factor in the preset database.

通过先在缓存器中进行查询，若存在与第一影响因子相同的影响因子，直接从缓存器中返回结果，提高响应速度。By first querying in the cache, if there is an impact factor that is the same as the first impact factor, the result is directly returned from the cache to improve the response speed.

在本实施例的一些可选的实现方式中，产品的演示装置500还包括配置模块，配置模块用于配置预加载的目标产品的参数，并计算目标产品的第二得益结果，并将计算得到的所述第二得益结果存入缓存器中。In some optional implementations of this embodiment, the product demonstration device 500 further includes a configuration module, where the configuration module is configured to configure the parameters of the preloaded target product, calculate the second benefit result of the target product, and calculate the The obtained second benefit result is stored in the buffer.

在一些可选的实现方式中，配置模块包括配置子模块和计算子模块，配置子模块用于根据目标客户为目标产品的第二项目配置影响因子；计算子模块用于配置完成后，按照所述第二项目的层级划分结果计算第二得益结果。In some optional implementation manners, the configuration module includes a configuration sub-module and a calculation sub-module, the configuration sub-module is used to configure the impact factor according to the second item in which the target customer is the target product; the calculation sub-module is used to configure the The second benefit result is calculated based on the hierarchical division result of the second item.

为解决上述技术问题，本申请实施例还提供计算机设备。具体请参阅图6，图6为本实施例计算机设备基本结构框图。To solve the above technical problems, the embodiments of the present application also provide computer equipment. Please refer to FIG. 6 for details. FIG. 6 is a block diagram of the basic structure of a computer device according to this embodiment.

所述计算机设备6包括通过***总线相互通信连接存储器61、处理器62、网络接口63。需要指出的是，图中仅示出了具有组件61-63的计算机设备6，但是应理解的是，并不要求实施所有示出的组件，可以替代的实施更多或者更少的组件。其中，本技术领域技术人员可以理解，这里的计算机设备是一种能够按照事先设定或存储的指令，自动进行数值计算和/或信息处理的设备，其硬件包括但不限于微处理器、专用集成电路(Application Specific Integrated Circuit，ASIC)、可编程门阵列(Field－Programmable Gate Array，FPGA)、数字处理器 (Digital Signal Processor，DSP)、嵌入式设备等。The computer device 6 includes a memory 61 , a processor 62 , and a network interface 63 that communicate with each other through a system bus. It should be pointed out that only the computer device 6 with components 61-63 is shown in the figure, but it should be understood that it is not required to implement all of the shown components, and more or less components may be implemented instead. Among them, those skilled in the art can understand that the computer device here is a device that can automatically perform numerical calculation and/or information processing according to pre-set or stored instructions, and its hardware includes but is not limited to microprocessors, special-purpose Integrated Circuit (Application Specific Integrated Circuit, ASIC), programmable gate array (Field-Programmable Gate Array, FPGA), digital processor (Digital Signal Processor, DSP), embedded devices, etc.

所述计算机设备可以是桌上型计算机、笔记本、掌上电脑及云端服务器等计算设备。所述计算机设备可以与用户通过键盘、鼠标、遥控器、触摸板或声控设备等方式进行人机交互。The computer equipment may be a desktop computer, a notebook computer, a palmtop computer, a cloud server and other computing equipment. The computer device can perform human-computer interaction with the user through a keyboard, a mouse, a remote control, a touch pad or a voice control device.

所述存储器61中存储有计算机可读指令，所述处理器62执行所述计算机可读指令时实现如下步骤：The memory 61 stores computer-readable instructions, and the processor 62 implements the following steps when executing the computer-readable instructions:

所述存储器61至少包括一种类型的可读存储介质，所述可读存储介质包括闪存、硬盘、多媒体卡、卡型存储器（例如，SD或DX存储器等）、随机访问存储器（RAM）、静态随机访问存储器（SRAM）、只读存储器（ROM）、电可擦除可编程只读存储器（EEPROM）、可编程只读存储器（PROM）、磁性存储器、磁盘、光盘等。在一些实施例中，所述存储器61可以是所述计算机设备6的内部存储单元，例如该计算机设备6的硬盘或内存。在另一些实施例中，所述存储器61也可以是所述计算机设备6的外部存储设备，例如该计算机设备6上配备的插接式硬盘，智能存储卡（Smart Media Card, SMC），安全数字（Secure Digital, SD）卡，闪存卡（Flash Card）等。当然，所述存储器61还可以既包括所述计算机设备6的内部存储单元也包括其外部存储设备。本实施例中，所述存储器61通常用于存储安装于所述计算机设备6的操作***和各类应用软件，例如产品的演示方法的计算机可读指令等。此外，所述存储器61还可以用于暂时地存储已经输出或者将要输出的各类数据。The memory 61 includes at least one type of readable storage medium, and the readable storage medium includes flash memory, hard disk, multimedia card, card-type memory (for example, SD or DX memory, etc.), random access memory (RAM), static Random Access Memory (SRAM), Read Only Memory (ROM), Electrically Erasable Programmable Read Only Memory (EEPROM), Programmable Read Only Memory (PROM), Magnetic Memory, Magnetic Disk, Optical Disk, etc. In some embodiments, the memory 61 may be an internal storage unit of the computer device 6 , such as a hard disk or a memory of the computer device 6 . In other embodiments, the memory 61 may also be an external storage device of the computer device 6 , such as a plug-in hard disk, a smart memory card (Smart Media Card, SMC), a secure digital (Secure Digital, SD) card, flash memory card (Flash Card), etc. Of course, the memory 61 may also include both the internal storage unit of the computer device 6 and its external storage device. In this embodiment, the memory 61 is generally used to store the operating system and various application software installed on the computer device 6 , such as computer-readable instructions of the demonstration method of the product. In addition, the memory 61 can also be used to temporarily store various types of data that have been output or will be output.

所述处理器62在一些实施例中可以是中央处理器（Central Processing Unit，CPU）、控制器、微控制器、微处理器、或其他数据处理芯片。该处理器62通常用于控制所述计算机设备6的总体操作。本实施例中，所述处理器62用于运行所述存储器61中存储的计算机可读指令或者处理数据，例如运行所述产品的演示方法的计算机可读指令。The processor 62 may be a central processing unit (Central Processing Unit) in some embodiments. Processing Unit, CPU), controller, microcontroller, microprocessor, or other data processing chip. This processor 62 is typically used to control the overall operation of the computer device 6 . In this embodiment, the processor 62 is configured to execute computer-readable instructions stored in the memory 61 or process data, for example, computer-readable instructions for executing a demonstration method of the product.

所述网络接口63可包括无线网络接口或有线网络接口，该网络接口63通常用于在所述计算机设备6与其他电子设备之间建立通信连接。The network interface 63 may include a wireless network interface or a wired network interface, and the network interface 63 is generally used to establish a communication connection between the computer device 6 and other electronic devices.

本实施例通过处理器执行存储在存储器的计算机可读指令时实现如上述实施例产品的演示方法的步骤，通过将需要演示的项目进行层级划分，将查询到的全部项目根据层级划分结果进行分层计算，可以避免重复计算，使得计算更高效，同时提高计算的准确率。In this embodiment, when the processor executes the computer-readable instructions stored in the memory, the steps of the demonstration method for the product of the above-mentioned embodiment are implemented, and the items that need to be demonstrated are hierarchically divided, and all the queried items are divided according to the hierarchical division result. Layer calculation can avoid repeated calculations, make calculations more efficient, and improve the accuracy of calculations.

本申请还提供了另一种实施方式，即提供一种计算机可读存储介质，所述计算机可读存储介质可以是非易失性，也可以是易失性。所述计算机可读存储介质存储有计算机可读指令，所述计算机可读指令可被至少一个处理器执行，以使所述至少一个处理器执行如上述的产品的演示方法的步骤，通过将需要演示的项目进行层级划分，将查询到的全部项目根据层级划分结果进行分层计算，可以避免重复计算，使得计算更高效，同时提高计算的准确率。The present application also provides another implementation manner, which is to provide a computer-readable storage medium, where the computer-readable storage medium may be non-volatile or volatile. The computer-readable storage medium stores computer-readable instructions executable by at least one processor to cause the at least one processor to perform the steps of the demonstration method of the product as described above by adding the required The demo projects are divided into layers, and all the queried projects are calculated in layers according to the results of the hierarchical division, which can avoid repeated calculation, make the calculation more efficient, and improve the accuracy of the calculation.

其中，所述计算机可读指令被处理器执行时实现如上所述的产品的演示方法的步骤：Wherein, when the computer-readable instructions are executed by the processor, the steps of the demonstration method of the product as described above are realized:

通过以上的实施方式的描述，本领域的技术人员可以清楚地了解到上述实施例方法可借助软件加必需的通用硬件平台的方式来实现，当然也可以通过硬件，但很多情况下前者是更佳的实施方式。基于这样的理解，本申请的技术方案本质上或者说对现有技术做出贡献的部分可以以软件产品的形式体现出来，该计算机软件产品存储在一个存储介质（如ROM/RAM、磁碟、光盘）中，包括若干指令用以使得一台终端设备（可以是手机，计算机，服务器，空调器，或者网络设备等）执行本申请各个实施例所述的方法。From the description of the above embodiments, those skilled in the art can clearly understand that the method of the above embodiment can be implemented by means of software plus a necessary general hardware platform, and of course can also be implemented by hardware, but in many cases the former is better implementation. Based on this understanding, the technical solution of the present application can be embodied in the form of a software product in essence or the part that contributes to the prior art, and the computer software product is stored in a storage medium (such as ROM/RAM, magnetic disk, CD-ROM), including several instructions to make a terminal device (which may be a mobile phone, a computer, a server, an air conditioner, or a network device, etc.) execute the methods described in the various embodiments of this application.

显然，以上所描述的实施例仅仅是本申请一部分实施例，而不是全部的实施例，附图中给出了本申请的较佳实施例，但并不限制本申请的专利范围。本申请可以以许多不同的形式来实现，相反地，提供这些实施例的目的是使对本申请的公开内容的理解更加透彻全面。尽管参照前述实施例对本申请进行了详细的说明，对于本领域的技术人员来而言，其依然可以对前述各具体实施方式所记载的技术方案进行修改，或者对其中部分技术特征进行等效替换。凡是利用本申请说明书及附图内容所做的等效结构，直接或间接运用在其他相关的技术领域，均同理在本申请专利保护范围之内。Obviously, the above-described embodiments are only a part of the embodiments of the present application, rather than all of the embodiments. The accompanying drawings show the preferred embodiments of the present application, but do not limit the scope of the patent of the present application. This application may be embodied in many different forms, rather these embodiments are provided so that a thorough and complete understanding of the disclosure of this application is provided. Although the present application has been described in detail with reference to the foregoing embodiments, those skilled in the art can still modify the technical solutions described in the foregoing specific embodiments, or perform equivalent replacements for some of the technical features. . Any equivalent structure made by using the contents of the description and drawings of the present application, which is directly or indirectly used in other related technical fields, is also within the scope of protection of the patent of the present application.

Claims

一种产品的演示方法，包括下述步骤：A demonstration method of a product, including the following steps:

确定每款产品需要演示的所有项目的比率以及每个项目的影响因子；Determine the ratio of all projects that need to be demonstrated for each product and the impact factor of each project;

将所述比率以及所述影响因子配置到预设数据库中进行存储；configuring the ratio and the impact factor into a preset database for storage;

基于预设划分规则将所有项目划分为不同层级；Divide all projects into different levels based on preset division rules;

获取第一客户的特征参数，根据所述特征参数在所述预设数据库中进行比率查询，并根据所述特征参数与所述特征参数对应的比率确定符合第一客户条件的第一项目；及Acquiring characteristic parameters of the first customer, performing a ratio query in the preset database according to the characteristic parameters, and determining a first item that meets the conditions of the first customer according to the ratio corresponding to the characteristic parameters and the characteristic parameters; and

根据所述第一项目的层级划分结果计算第一得益结果，并将所述第一得益结果进行输出展示。A first benefit result is calculated according to the hierarchical division result of the first item, and the first benefit result is output and displayed.
根据权利要求1所述的产品的演示方法，其中，所述将所述比率以及所述影响因子配置到预设数据库进行存储的步骤包括：The product demonstration method according to claim 1, wherein the step of configuring the ratio and the impact factor to a preset database for storage comprises:

对所述影响因子进行分析，将年度因子从所述影响因子中提取出来，存储在所述预设数据库的年度因子字段中；Analyzing the impact factor, extracting the annual factor from the impact factor, and storing it in the annual factor field of the preset database;

将提取后剩余的影响因子按照预设规则进行拼接，存储在所述预设数据库的其他因子字段中，并将所述比率存储至所述预设数据库的比率字段中。The remaining influence factors after extraction are spliced according to preset rules, stored in other factor fields of the preset database, and the ratio is stored in the ratio field of the preset database.
根据权利要求1所述的产品的演示方法，其中，在所述将所述比率以及所述影响因子配置到预设数据库进行存储的步骤之后还包括：The product demonstration method according to claim 1, wherein after the step of configuring the ratio and the impact factor to a preset database for storage, the method further comprises:

对预设数据库中所有影响因子进行统计分析，确定相同影响因子；Statistical analysis of all impact factors in the preset database to determine the same impact factors;

将相同影响因子和相同影响因子对应的比率组成比率集合，并将所述比率集合存入缓存器中。A ratio set is composed of the same impact factor and the ratios corresponding to the same impact factor, and the ratio set is stored in the buffer.
根据权利要求1所述的产品的演示方法，其中，所述获取第一客户的特征参数，根据所述特征参数在所述预设数据库中进行比率查询的步骤包括：The product demonstration method according to claim 1, wherein the step of acquiring the characteristic parameters of the first customer and performing a ratio query in the preset database according to the characteristic parameters comprises:

将所述特征参数作为第一影响因子；Taking the characteristic parameter as the first influence factor;

根据所述第一影响因子在所述预设数据库中进行比率查询，得到所述第一影响因子对应的比率。A ratio query is performed in the preset database according to the first impact factor to obtain a ratio corresponding to the first impact factor.
根据权利要求4所述的产品的演示方法，其中，在所述将所述特征参数作为第一影响因子的步骤之后还包括：The product demonstration method according to claim 4, wherein after the step of using the characteristic parameter as the first influence factor, the method further comprises:

判断所述第一影响因子是否存储于缓存器中；determining whether the first impact factor is stored in a register;

若是，直接从缓存器返回对应的比率结果；If so, return the corresponding ratio result directly from the register;

若否，执行所述根据所述第一影响因子在所述预设数据库中进行比率查询的步骤。If not, the step of performing the ratio query in the preset database according to the first impact factor is performed.
根据权利要求1所述的产品的演示方法，其中，在所述获取第一客户的特征参数，根据所述特征参数在所述预设数据库中进行比率查询的步骤之前还包括：The product demonstration method according to claim 1, wherein before the step of acquiring the characteristic parameters of the first customer and performing a ratio query in the preset database according to the characteristic parameters, the method further comprises:

配置预加载的目标产品的参数，并计算所述目标产品的第二得益结果；configuring the parameters of the preloaded target product and calculating a second benefit result for the target product;

将计算得到的所述第二得益结果存入缓存器中。The calculated second benefit result is stored in a buffer.
根据权利要求6所述的产品的演示方法，其中，所述配置预加载的目标产品参数，并计算所述目标产品的第二得益结果的步骤包括：The product demonstration method according to claim 6, wherein the step of configuring the preloaded target product parameters and calculating the second benefit result of the target product comprises:

根据目标客户为目标产品的第二项目配置影响因子；Configure the impact factor for the second item of the target product according to the target customer;

配置完成后，按照所述第二项目的层级划分结果计算第二得益结果。After the configuration is completed, the second benefit result is calculated according to the hierarchical division result of the second item.
一种产品的演示装置，包括：A demonstration unit of a product, comprising:

确定模块，用于确定每款产品需要演示的所有项目的比率以及每个项目的影响因子；Determine the module to determine the ratio of all projects that need to be demonstrated for each product and the impact factor of each project;

配置模块，用于将所述比率以及所述影响因子配置到预设数据库中进行存储；a configuration module, configured to configure the ratio and the impact factor into a preset database for storage;

层级划分模块，用于基于预设划分规则将所有项目划分为不同层级；Hierarchical division module, which is used to divide all projects into different levels based on preset division rules;

查询模块，获取第一客户的特征参数，根据所述特征参数在所述预设数据库中进行比率查询，并根据所述特征参数与所述特征参数对应的比率确定符合第一客户条件的第一项目；及The query module obtains the characteristic parameters of the first customer, performs a ratio query in the preset database according to the characteristic parameters, and determines the first customer that meets the conditions of the first customer according to the ratio corresponding to the characteristic parameters and the characteristic parameters. items; and

计算展示模块，用于根据所述第一项目的层级划分结果计算第一得益结果，并将所述第一得益结果进行输出展示。The calculation and display module is configured to calculate the first benefit result according to the hierarchical division result of the first item, and output and display the first benefit result.
一种计算机设备，包括存储器和处理器，所述存储器中存储有计算机可读指令，所述处理器执行所述计算机可读指令时实现如下所述的产品的演示方法的步骤：A computer device, comprising a memory and a processor, wherein computer-readable instructions are stored in the memory, and when the processor executes the computer-readable instructions, the steps of the demonstration method of the product described below are realized:

确定每款产品需要演示的所有项目的比率以及每个项目的影响因子；Determine the ratio of all projects that need to be demonstrated for each product and the impact factor of each project;

将所述比率以及所述影响因子配置到预设数据库中进行存储；configuring the ratio and the impact factor into a preset database for storage;

基于预设划分规则将所有项目划分为不同层级；Divide all projects into different levels based on preset division rules;

获取第一客户的特征参数，根据所述特征参数在所述预设数据库中进行比率查询，并根据所述特征参数与所述特征参数对应的比率确定符合第一客户条件的第一项目；及Acquiring characteristic parameters of the first customer, performing a ratio query in the preset database according to the characteristic parameters, and determining a first item that meets the conditions of the first customer according to the ratio corresponding to the characteristic parameters and the characteristic parameters; and

根据所述第一项目的层级划分结果计算第一得益结果，并将所述第一得益结果进行输出展示。A first benefit result is calculated according to the hierarchical division result of the first item, and the first benefit result is output and displayed.
根据权利要求9所述的计算机设备，其中，所述将所述比率以及所述影响因子配置到预设数据库进行存储的步骤包括：The computer device according to claim 9, wherein the step of configuring the ratio and the impact factor to a preset database for storage comprises:

对所述影响因子进行分析，将年度因子从所述影响因子中提取出来，存储在所述预设数据库的年度因子字段中；Analyzing the impact factor, extracting the annual factor from the impact factor, and storing it in the annual factor field of the preset database;

将提取后剩余的影响因子按照预设规则进行拼接，存储在所述预设数据库的其他因子字段中，并将所述比率存储至所述预设数据库的比率字段中。The remaining influence factors after extraction are spliced according to preset rules, stored in other factor fields of the preset database, and the ratio is stored in the ratio field of the preset database.
根据权利要求9所述的计算机设备，其中，在所述将所述比率以及所述影响因子配置到预设数据库进行存储的步骤之后还包括：The computer device according to claim 9, wherein after the step of configuring the ratio and the impact factor to a preset database for storage, further comprising:

对预设数据库中所有影响因子进行统计分析，确定相同影响因子；Statistical analysis of all impact factors in the preset database to determine the same impact factors;

将相同影响因子和相同影响因子对应的比率组成比率集合，并将所述比率集合存入缓存器中。A ratio set is composed of the same impact factor and the ratios corresponding to the same impact factor, and the ratio set is stored in the buffer.
根据权利要求9所述的计算机设备，其中，所述获取第一客户的特征参数，根据所述特征参数在所述预设数据库中进行比率查询的步骤包括：The computer device according to claim 9, wherein the step of acquiring the characteristic parameters of the first customer and performing a ratio query in the preset database according to the characteristic parameters comprises:

将所述特征参数作为第一影响因子；Taking the characteristic parameter as the first influence factor;

根据所述第一影响因子在所述预设数据库中进行比率查询，得到所述第一影响因子对应的比率。A ratio query is performed in the preset database according to the first impact factor to obtain a ratio corresponding to the first impact factor.
根据权利要求12所述的计算机设备，其中，在所述将所述特征参数作为第一影响因子的步骤之后还包括：The computer device according to claim 12, wherein after the step of using the characteristic parameter as the first influence factor, it further comprises:

判断所述第一影响因子是否存储于缓存器中；determining whether the first impact factor is stored in a register;

若是，直接从缓存器返回对应的比率结果；If so, return the corresponding ratio result directly from the register;

若否，执行所述根据所述第一影响因子在所述预设数据库中进行比率查询的步骤。If not, the step of performing the ratio query in the preset database according to the first impact factor is performed.
根据权利要求9所述的计算机设备，其中，在所述获取第一客户的特征参数，根据所述特征参数在所述预设数据库中进行比率查询的步骤之前还包括：The computer device according to claim 9, wherein before the step of acquiring the characteristic parameters of the first customer and performing a ratio query in the preset database according to the characteristic parameters, the method further comprises:

配置预加载的目标产品的参数，并计算所述目标产品的第二得益结果；configuring the parameters of the preloaded target product and calculating a second benefit result for the target product;

将计算得到的所述第二得益结果存入缓存器中。The calculated second benefit result is stored in a buffer.
根据权利要求14所述的计算机设备，其中，所述配置预加载的目标产品参数，并计算所述目标产品的第二得益结果的步骤包括：15. The computer device of claim 14, wherein the step of configuring the preloaded target product parameters and calculating a second benefit result for the target product comprises:

根据目标客户为目标产品的第二项目配置影响因子；Configure the impact factor for the second item of the target product according to the target customer;

配置完成后，按照所述第二项目的层级划分结果计算第二得益结果。After the configuration is completed, the second benefit result is calculated according to the hierarchical division result of the second item.
一种计算机可读存储介质，所述计算机可读存储介质上存储有计算机可读指令，所述计算机可读指令被处理器执行时实现如下所述的产品的演示方法的步骤：A computer-readable storage medium, on which computer-readable instructions are stored, and when the computer-readable instructions are executed by a processor, implement the steps of the demonstration method of the product described below:

确定每款产品需要演示的所有项目的比率以及每个项目的影响因子；Determine the ratio of all projects that need to be demonstrated for each product and the impact factor of each project;

将所述比率以及所述影响因子配置到预设数据库中进行存储；configuring the ratio and the impact factor into a preset database for storage;

基于预设划分规则将所有项目划分为不同层级；Divide all projects into different levels based on preset division rules;

获取第一客户的特征参数，根据所述特征参数在所述预设数据库中进行比率查询，并根据所述特征参数与所述特征参数对应的比率确定符合第一客户条件的第一项目；及Acquiring characteristic parameters of the first customer, performing a ratio query in the preset database according to the characteristic parameters, and determining a first item that meets the conditions of the first customer according to the ratio corresponding to the characteristic parameters and the characteristic parameters; and

根据所述第一项目的层级划分结果计算第一得益结果，并将所述第一得益结果进行输出展示。A first benefit result is calculated according to the hierarchical division result of the first item, and the first benefit result is output and displayed.
根据权利要求16所述的计算机可读存储介质，其中，所述将所述比率以及所述影响因子配置到预设数据库进行存储的步骤包括：The computer-readable storage medium according to claim 16, wherein the step of configuring the ratio and the impact factor to a preset database for storage comprises:

对所述影响因子进行分析，将年度因子从所述影响因子中提取出来，存储在所述预设数据库的年度因子字段中；Analyzing the impact factor, extracting the annual factor from the impact factor, and storing it in the annual factor field of the preset database;

将提取后剩余的影响因子按照预设规则进行拼接，存储在所述预设数据库的其他因子字段中，并将所述比率存储至所述预设数据库的比率字段中。The remaining influence factors after extraction are spliced according to preset rules, stored in other factor fields of the preset database, and the ratio is stored in the ratio field of the preset database.
根据权利要求16所述的计算机可读存储介质，其中，在所述将所述比率以及所述影响因子配置到预设数据库进行存储的步骤之后还包括：The computer-readable storage medium according to claim 16, wherein after the step of configuring the ratio and the impact factor to a preset database for storage, further comprising:

对预设数据库中所有影响因子进行统计分析，确定相同影响因子；Statistical analysis of all impact factors in the preset database to determine the same impact factors;

将相同影响因子和相同影响因子对应的比率组成比率集合，并将所述比率集合存入缓存器中。A ratio set is composed of the same impact factor and the ratios corresponding to the same impact factor, and the ratio set is stored in the buffer.
根据权利要求16所述的计算机可读存储介质，其中，所述获取第一客户的特征参数，根据所述特征参数在所述预设数据库中进行比率查询的步骤包括：The computer-readable storage medium according to claim 16, wherein the step of acquiring the characteristic parameters of the first customer and performing a ratio query in the preset database according to the characteristic parameters comprises:

将所述特征参数作为第一影响因子；Taking the characteristic parameter as the first influence factor;

根据所述第一影响因子在所述预设数据库中进行比率查询，得到所述第一影响因子对应的比率。A ratio query is performed in the preset database according to the first impact factor to obtain a ratio corresponding to the first impact factor.
根据权利要求19所述的计算机可读存储介质，其中，在所述将所述特征参数作为第一影响因子的步骤之后还包括：The computer-readable storage medium according to claim 19, wherein after the step of using the characteristic parameter as the first impact factor, further comprising:

判断所述第一影响因子是否存储于缓存器中；determining whether the first impact factor is stored in a register;

若是，直接从缓存器返回对应的比率结果；If so, return the corresponding ratio result directly from the register;

若否，执行所述根据所述第一影响因子在所述预设数据库中进行比率查询的步骤。If not, the step of performing the ratio query in the preset database according to the first impact factor is performed.