CN109214942A - It insures information processing method, device, electronic equipment and computer-readable medium - Google Patents
It insures information processing method, device, electronic equipment and computer-readable medium Download PDFInfo
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- CN109214942A CN109214942A CN201811393414.XA CN201811393414A CN109214942A CN 109214942 A CN109214942 A CN 109214942A CN 201811393414 A CN201811393414 A CN 201811393414A CN 109214942 A CN109214942 A CN 109214942A
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
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Abstract
Information processing method, device, Electronic Design and computer-readable medium this disclosure relates to which one kind is insured.This method comprises: obtaining information of insuring, the information of insuring includes insurance scheme and customer information；Risk is determined according to the insurance scheme；Standard rate and at least one count factor are determined according to the risk；And premium data are determined according to the risk, the standard rate, at least one described count factor.This disclosure relates to information processing method of insuring, device, electronic equipment and computer-readable medium, can determine in real time current premium according to multiple dynamic count factors, additionally it is possible to realize premium calculation automation run, reduction exploitation and O&M cost.
Description
Technical field
This disclosure relates to computer information processing field, in particular to one kind insure information processing method, device,
Electronic equipment and computer-readable medium.
Background technique
In the accident insurance of insurance industry property insurance, health insurance, some scenes need according to insurance period, the insurer age or
Others achieve the purpose that avoid risk because usually collecting different premiums.
Premium measuring and calculating is that premium is calculated according to the count factor in corresponding product, and different product count factors may not
Together, the count factor of a product may be warrantee's age and insurance period, another possibility is that professional.Because of products scheme
Difference, the birth of diversification collected premium and promoted just premium measuring and calculating.
Traditional mode at present is accepted insurance in system in throwing since product is also individually to develop, and premium is calculated also with product
Exploitation will write code each time.This technical solution can adapt to initial stage simple premium measuring and calculating scene, but modify not
Just, if the demand of the product is varied, age range or corresponding float factor is such as changed, needs to change code.And
, may be extremely constant if taking over modification by other people since the habit that code is write in each exploitation is different, it is easy error.
Later service environment is more complicated, and count factor becomes more, and the mode of this each product hard coded not only expends people
Power, exploitation, maintenance are also more and more difficult.
Therefore, it is necessary to a kind of new information processing method of insuring, device, Electronic Design and computer-readable mediums.
Above- mentioned information are only used for reinforcing the understanding to the background of the disclosure, therefore it disclosed in the background technology part
It may include the information not constituted to the prior art known to persons of ordinary skill in the art.
Summary of the invention
It insures information processing method, device, Electronic Design and computer-readable Jie in view of this, the disclosure provides one kind
Matter can determine in real time current premium according to multiple dynamic count factors, additionally it is possible to realize that premium calculation automation is run, contracting
Subtract exploitation and O&M cost.
Other characteristics and advantages of the disclosure will be apparent from by the following detailed description, or partially by the disclosure
Practice and acquistion.
According to the one side of the disclosure, propose that one kind is insured information processing method, this method comprises: information of insuring is obtained,
The information of insuring includes insurance scheme and customer information；Risk and insurance amount are determined according to the insurance scheme；According to
The corresponding standard rate of the determining and described customer information of the risk, at least one count factor and relationship；And according to described
Insure amount, the standard rate, at least one described count factor, determines premium data.
It is described that risk is determined according to the insurance scheme in a kind of exemplary embodiment of the disclosure, comprising: according to institute
It states insurance scheme and determines the insurance scheme mark；Acquisition scheme risk allocation list, the scheme risk allocation list include passing through
Each insurance scheme mark generates scheme risk allocation list at least one corresponding risk；It is true according to the scheme risk allocation list
Surely correspond at least one risk of insurance scheme mark.
In a kind of exemplary embodiment of the disclosure, the acquisition scheme risk allocation list, comprising: according to the insurance
Scheme mark obtains the scheme risk allocation list by key-value pair data library.
In a kind of exemplary embodiment of the disclosure, according to the risk determine standard rate, at least one measuring and calculating because
Son, comprising: the standard rate is determined by risk allocation list according to the risk, wherein the risk allocation list includes each danger
Not with corresponding standard rate；And according to the risk by the risk factor table determine at least one described count factor and
Corresponding measuring and calculating rule, wherein the risk factor table includes each risk and at least one corresponding count factor and corresponding
Measuring and calculating rule；According to the customer information, at least one described count factor and corresponding measuring and calculating rule, described at least one is determined
The corresponding parametric values of a count factor.
In a kind of exemplary embodiment of the disclosure, according to the insurance amount, the standard rate, described at least one
A count factor determines premium data, comprising: according to the corresponding parametric values of at least one count factor, determines the base
The float factor of quasi- rate；The rate for the information of insuring is determined according to the base rate and the float factor；Root
According to the insurance amount and the rate, premium data are determined.
In a kind of exemplary embodiment of the disclosure, according to the corresponding parametric values of at least one count factor, really
The float factor of the fixed standard rate, comprising: determined according to float factor table and correspond at least one count factor
The float factor of corresponding parametric values；Wherein, the float factor table includes the corresponding parametric values of at least one count factor
With corresponding float factor.
In a kind of exemplary embodiment of the disclosure, according to the insurance amount, the standard rate, described at least one
A count factor determines premium data, comprising: according to the insurance amount, the standard rate, it is described at least one measuring and calculating because
Son determines the first premium data and the second premium data respectively；And to the first premium data and the second premium number
According to the double verifications of progress with the determination premium data.
According to the one side of the disclosure, propose that one kind is insured information processing unit, which includes: module of insuring, and is used for
Acquisition is insured information, and the information of insuring includes insurance scheme and customer information；Class Modules, for according to the insurer
Case determines risk；Factor module, for according to the risk and the customer information determine corresponding standard rate, at least one
Count factor and relationship；And premium module, for according to the insurance amount, the standard rate, at least one described survey
The factor is calculated, determines premium data.
According to the one side of the disclosure, a kind of electronic equipment is proposed, which includes: one or more processors；
Storage device, for storing one or more programs；When one or more programs are executed by one or more processors, so that one
A or multiple processors realize such as methodology above.
According to the one side of the disclosure, it proposes a kind of computer-readable medium, is stored thereon with computer program, the program
Method as mentioned in the above is realized when being executed by processor.
According to information processing method of insuring, device, Electronic Design and the computer-readable medium of the disclosure, pass through insurer
Case determines risk；And then determine standard rate and at least one count factor, and the mode of premium is then calculated, it can be according to multiple
Dynamic count factor determines current premium in real time, additionally it is possible to realize that premium calculation automation is run, reduction exploitation and O&M at
This.
It should be understood that the above general description and the following detailed description are merely exemplary, this can not be limited
It is open.
Detailed description of the invention
Its example embodiment is described in detail by referring to accompanying drawing, above and other target, feature and the advantage of the disclosure will
It becomes more fully apparent.Drawings discussed below is only some embodiments of the present disclosure, for the ordinary skill of this field
For personnel, without creative efforts, it is also possible to obtain other drawings based on these drawings.
Fig. 1 is a kind of flow chart of information processing method of insuring shown according to an exemplary embodiment.
Fig. 2 is a kind of flow chart of the information processing method of insuring shown according to another exemplary embodiment.
Fig. 3 is a kind of block diagram of information processing unit of insuring shown according to an exemplary embodiment.
Fig. 4 is the system block diagram of a kind of insure information processing method and device shown according to an exemplary embodiment.
Fig. 5 is the application scenario diagram of a kind of insure information processing method and device shown according to an exemplary embodiment.
Fig. 6 is the block diagram of a kind of electronic equipment shown according to an exemplary embodiment.
Fig. 7 is that a kind of computer readable storage medium schematic diagram is shown according to an exemplary embodiment.
Specific embodiment
Example embodiment is described more fully with reference to the drawings.However, example embodiment can be real in a variety of forms
It applies, and is not understood as limited to embodiment set forth herein；On the contrary, thesing embodiments are provided so that the disclosure will be comprehensively and complete
It is whole, and the design of example embodiment is comprehensively communicated to those skilled in the art.Identical appended drawing reference indicates in figure
Same or similar part, thus repetition thereof will be omitted.
In addition, described feature, structure or characteristic can be incorporated in one or more implementations in any suitable manner
In example.In the following description, many details are provided to provide and fully understand to embodiment of the disclosure.However,
It will be appreciated by persons skilled in the art that can with technical solution of the disclosure without one or more in specific detail,
Or it can be using other methods, constituent element, device, step etc..In other cases, it is not shown in detail or describes known side
Method, device, realization or operation are to avoid fuzzy all aspects of this disclosure.
Block diagram shown in the drawings is only functional entity, not necessarily must be corresponding with physically separate entity.
I.e., it is possible to realize these functional entitys using software form, or realized in one or more hardware modules or integrated circuit
These functional entitys, or these functional entitys are realized in heterogeneous networks and/or processor device and/or microcontroller device.
Flow chart shown in the drawings is merely illustrative, it is not necessary to including all content and operation/step,
It is not required to execute by described sequence.For example, some operation/steps can also decompose, and some operation/steps can close
And or part merge, therefore the sequence actually executed is possible to change according to the actual situation.
It should be understood that although herein various assemblies may be described using term first, second, third, etc., these groups
Part should not be limited by these terms.These terms are to distinguish a component and another component.Therefore, first group be discussed herein below
Part can be described as the second component without departing from the teaching of disclosure concept.As used herein, term " and/or " include associated
All combinations for listing any of project and one or more.
It will be understood by those skilled in the art that attached drawing is the schematic diagram of example embodiment, module or process in attached drawing
Necessary to not necessarily implementing the disclosure, therefore it cannot be used for the protection scope of the limitation disclosure.
Currently, traditional mode at present, accept insurance in system in throwing since product is also individually to develop, premium measuring and calculating also with
Product development will write code each time, a product by the age for count factor of illustrating below.Business actuarial can provide
The Fee Schedule of all insurance kinds under the product, wherein a column are as follows:
| Risk | Age | It is insured amount | Rate radix | Float factor | Premium |
| xxx | 0-17 | 100000.0 | 0.001 | 0.2 | 20 |
| xxx | 18-49 | 100000.0 | 0.001 | 0.4 | 40 |
| xxx | 50-65 | 100000.0 | 0.001 | 0.2 | 20 |
By the simple simple incoming age range of judgement, go to match table to calculate.
This technical solution can adapt to initial stage simple premium measuring and calculating scene, but modify inconvenience, if the product
Demand is varied, and such as to be changed age range or corresponding float factor, be needed to change code.And since each exploitation is write
The habit of code is different, may be extremely constant if taking over modification by other people, is easy error.
The purpose of the present invention is to provide a kind of methods for determining current receivable premium according to multiple Dynamic calculation factors, if
Reasonable database table structure is counted to configure count factor, develops unified measuring and calculating process, by being provided out general query interface,
Make that it is suitable for realizing in system main flow of insuring or in the system that is different, having premium measuring and calculating demand such as front end page is shown
Complete configurationization does not have to modify data with product development code and do not have to do over again, reduction exploitation and O&M cost.
The content in the disclosure is described in detail below in conjunction with specific embodiments.
Fig. 1 is a kind of flow chart of information processing method of insuring shown according to an exemplary embodiment.At information of insuring
Reason method 10 includes at least step S102 to S108.
As shown in Figure 1, obtaining information of insuring, the information of insuring includes insurance scheme and customer information in S102.
Below with reference to specific example, the detailed process of premium measuring and calculating is realized in description.Certain insurance products is middle and high end inpatient medical danger A
(money), insurance scheme is identified as 1310A00201, includes four risks, there are three count factors, and the age, protection amount, whether there is or not social securities.
In S104, risk and insurance amount are determined according to the insurance scheme.In a kind of exemplary implementation of the disclosure
In example, determine that risk includes: to determine danger by the scheme risk allocation list according to the insurance scheme according to the insurance scheme
Not.
Wherein, arrangements table may include scheme mark, scenario name and type.Wherein type is for judging that the program is
Quota scheme is also non-quota scheme, and the method in the disclosure can be used for calculating non-quota scheme, so type identification is " 0 "；
Premium in block insurance can be directly acquired by reading the insured amount premium of configuration, and quota scheme is identified as " 1 " or other are not
Zero numerical value.
In one embodiment, insurance scheme is identified as 1310A00201, entitled middle and high end inpatient medical danger A (money),
Type 0 (indicates non-quota scheme, there is premium measuring and calculating), and arrangements table can be as follows:
| Insurance scheme mark | Insurance scheme title | Type |
| 1310A00201 | Middle and high end inpatient medical danger (A money) | 0 |
Wherein, the program can have 4 risks 1013001,1013002 etc. respectively, and the risk allocation list of the program can be specific
It is as follows:
In S106, according to the risk and the customer information determine corresponding standard rate and at least one measuring and calculating because
Son.In a kind of exemplary embodiment of the disclosure, standard rate and at least one count factor packet are determined according to the risk
It includes: the standard rate being determined by risk allocation list according to the risk, wherein the risk allocation list includes each risk and phase
The standard rate answered；And at least one described count factor and corresponding is determined by the risk factor table according to the risk
Measuring and calculating rule, wherein the risk factor table includes that each risk is advised at least one corresponding count factor and corresponding measuring and calculating
Then；According to the customer information, at least one described count factor and corresponding measuring and calculating rule, at least one described measuring and calculating is determined
The corresponding parametric values of the factor.
Wherein, can four risks being related to of such as insurance scheme, standard rate is 0.001, and risk allocation list is such as
Under:
| Risk | Title | Standard rate | Type |
| 1013001 | General curative insurance | 0.001 | 0 |
| 1013002 | Malignant tumour insurance | 0.001 | 0 |
| 1013003 | Aviation accident insurance | 0.001 | 0 |
| 1013004 | Malignant disease danger | 0.001 | 0 |
Wherein, 1013001 risks of the program use wherein three count factors: age, and measuring and calculating rule is in age area
Interior satisfaction；Insured amount quantity meets when measuring and calculating rule is equal to protection amount；Whether there is or not social security, measuring and calculating rule is to have the satisfaction of social security.Table
In have some other count factors, be other count factors that other schemes use 1013001 risks, in the present embodiment, danger
Other factor table can be for example as follows:
| Risk | Count factor | Measuring and calculating rule | Type |
| 1013001 | Age | Between | 0 |
| 1013001 | It is insured amount | It is equal to | 0 |
| 1013001 | Social security | It is equal to | 0 |
| 1013001 | Gender | It is equal to | 0 |
Can be such as: 1013001 risks of the program, count factor group be combined into [" age ", " social security ", " protection amount "], can be with
A count factor code is defined for each count factor, it is convenient to be called directly when calculating, in the present embodiment, it can determine
(definition rule of count factor code can are as follows: scheme code+001 by one count factor code 1310A00201001list of justice
(the first rule of first risk) ,+list (are represented as count factor group, be not single count factor), and the application is not
As limit.)
Described above, risk factor allocation list is connected, it can be such as:
| Insurance scheme mark | Risk | Count factor combination |
| 1310A00201 | 1013001 | " age ", " social security ", " protection amount " |
In a kind of exemplary embodiment of the disclosure, determined according to the insurance scheme by the scheme risk allocation list
Risk includes: to obtain the scheme risk allocation list by key-value pair data library according to the insurance scheme；Pass through the scheme danger
Other allocation list determines the risk.Wherein, key-value pair data library can be key-value database, key-value distributed storage
System queries speed is fast, store data volume is big, supports high concurrent, is very suitable to be inquired by major key, but not can be carried out multiple
Miscellaneous condition query.
In S108, according to the insurance amount, the standard rate, at least one described count factor, premium is determined
Data.
In a kind of exemplary embodiment of the disclosure, it is described according to the insurance amount, the standard rate, it is described extremely
A few count factor, determines premium data, comprising: according to the corresponding parametric values of at least one count factor, determine institute
State the float factor of standard rate；The expense for the information of insuring is determined according to the base rate and the float factor
Rate；According to the insurance amount and the rate, premium data are determined.
Wherein, according to the corresponding parametric values of at least one count factor, the float factor of the standard rate is determined,
It include: the float factor that the corresponding parametric values for corresponding at least one count factor are determined according to float factor table；Wherein,
The float factor table includes corresponding parametric values and the corresponding float factor of at least one count factor.
Following table is float factor table, illustrates only a part of configuration data as example, this exemplary count factor code
Under, it include three count factors: age, insured amount, social security " is protected wherein the relevant parameter of " age " count factor is 6 to 10 years old
The relevant parameter of volume " count factor is 1000000, and the relevant parameter of " social security " count factor is " 1 ", i.e., without social security, then basis
Float factor table, corresponding to the corresponding parametric values [" age ": " 6,10 "] of at least one count factor, [" protection amount ":
" 1000000 "], [" social security ": " 1 "], corresponding float factor is 0.24.
Premium data can for example be calculated according to the following formula:
Real-time count factor=standard rate * float factor；
Premium data=real-time the count factor of protection amount *.
Can such as count factor code 1310A00201001list, the corresponding parametric values of corresponding count factor are [" year
Age ": " 6,10 "], [" protection amount ": " 1000000 "], when [" social security ": " 1 "], float factor 0.24.In conjunction with the configuration of front, originally
The meaning of bar count factor code expression is as follows: there is middle and high end inpatient medical danger a (money), under 1013001 risks, and warrantee year
Age, protection amount was 1000000 yuan, and when having social security between 6 to 10 years old, and corresponding float factor is 0.24,
Therefore, for the rate of the client are as follows:
Standard rate * float factor=0.001*0.24=0.00024
Premium data are 240 yuan:
Insured amount * rate=1000000*0.00024=240
According to the information processing method of insuring of the disclosure, risk is determined by insurance scheme；And then determine standard rate with
Then at least one count factor calculates the mode of premium, current protect can be determined in real time according to multiple dynamic count factors
Take, additionally it is possible to realize that premium calculation automation is run, reduction exploitation and O&M cost.
It will be clearly understood that the present disclosure describes how to form and use particular example, but the principle of the disclosure is not limited to
These exemplary any details.On the contrary, the introduction based on disclosure disclosure, these principles can be applied to many other
Embodiment.
In a kind of exemplary embodiment of the disclosure, this method further include: pass through insurance scheme mark and at least one
Risk generates scheme risk allocation list.Arrangements table, for saving the corresponding relationship between insurance scheme and risk, insurance scheme
With the relationship that risk is more than 1 pair.Primary fields have scheme code, risk code, short period rate mark.
In a kind of exemplary embodiment of the disclosure, this method further include: arrangements table, for saving the base of scheme
This information, primary fields have scheme code, Scenario Name.
In a kind of exemplary embodiment of the disclosure, this method further include: risk is generated by risk and standard rate
Allocation list；With or risk factor table generated by risk and at least one count factor.Risk allocation list, for saving most base
This corresponding basic rate of risk, risk and basic rate are 1 pair 1 of relationships, primary fields risk code, risk title,
Standard rate.Risk factor table table, for saving the corresponding relationship of risk and count factor, and measuring and calculating rule, risk and survey
Calculating the factor is the relationship more than 1 pair.Primary fields have risk code, and test factor type (such as: at the AGE age, whether there is or not social securities by SS) is surveyed
Try regular (such as: BETWEEN is equal in this section, EQUAL).
In a kind of exemplary embodiment of the disclosure, this method further include: risk factor allocation list, for saving product
The corresponding relationship of scheme, risk and count factor, scheme and risk are more than 1 pair, and risk is combined into one-to-one with count factor group
Relationship.Primary fields have scheme code, risk code, and count factor combines (can contain multiple count factors), count factor code.
In a kind of exemplary embodiment of the disclosure, this method further include: generated by count factor mark with coefficient
Float factor table.Float factor table, for saving the relationship between count factor value and float factor, count factor value and system of floating
Number is one-to-one relationship.Primary fields have count factor code, count factor value (such as age range 1-17 years old), system of floating
Number.
In a kind of exemplary embodiment of the disclosure, according to the risk, the standard rate, at least one described survey
It calculates the factor and the customer information determines that premium data include: according to the risk, the standard rate, described at least one
A count factor and the customer information determine the first data and the second data；And to the first premium data and institute
It states the second premium data and carries out double verifications with the determination premium data.
Fig. 2 is a kind of flow chart of the information processing method of insuring shown according to another exemplary embodiment.Fig. 2 is exemplary
Illustrate insure information processing method overall process and the first premium data and the second premium data carry out double verifications
With the process of the determination premium data.
As shown in Fig. 2, by insuring, system obtains information of insuring, it may include incoming serial number, insurance scheme mark in S202
Knowledge, risk information array (risk code, protection amount), premium count factor array (age etc.).
In S204, to entering to join, message is decrypted and md5 is verified.
In S206, parses into ginseng message, obtain arrangements table, arrangements table can take from redis, and redis does not have
Have or time-out goes in database to look into again.
In S208, judges that the program be quota scheme is also non-quota scheme, generally pass to all right and wrong of premium measuring and calculating
Quota scheme has prevented goods batch configuration error.
In S210, it is determined as non-quota scheme.
In S212, establish two tables of data: total premium 1 and total premium 2 recycle the risk list in message.
In S214, according to count factor, insurance scheme mark, risk, reads corresponding benchmark under program risk and take
Rate and float factor calculate rate.
In S216, premium is calculated by insured amount, rate.
In S218, if any short period rate, short period rate is calculated, and calculate premium.
In S220, the premium for the risk that adds up is added to total premium into total premium 1 after the premium for the risk that rounds up
In 2.
In S222, quota scheme reads the insured amount premium of configuration.
In S224, risk list (risk code, protection amount are plus the risk premium calculated) is returned to, total premium is insured
System.
In S226, round up total premium 1, is compared with total premium 2, if rich gap, difference is mended to most
In the premium of the latter risk.
Below with reference to specific example, how description realizes that the premium calculates process.
Request message parameter can be for example as follows:
| Parameter name | Parameter name | Default value | Explanation | |
| 1 | requestId | Serial number | Non-empty | |
| 2 | planCode | Insurance scheme | Non-empty | |
| 3 | kindList | Risk | Non-empty | |
| 4 | factor | Count factor | Non-empty |
KindList risk information array
Factor factor array
| Parameter name | Parameter name | Default value | Explanation | |
| 1 | age | Age | It determines to pass or do not pass by scheme | |
| 2 | ss | Whether there is or not social securities | It determines to pass or do not pass by scheme | 0 without social security；1 has social security |
Premium calculating system is connected to message, after basic sign test, starts to walk process: according to insurance insurance scheme mark
1310A00201 takes the arrangements information of database, it is known that the program is non-quota scheme.Start to walk measuring and calculating process, first build
An a total premium sumPremium1 and sumPremium2 is found,
Start the cycle over risk list:
1. insurance scheme 1310A00201, risk 1013001, protection amount 1000000, there is social security at the age 23, in the database
1013001 corresponding count factor code 1310A00201001list are found, wherein when age=23 belongs between 21 to 25,
Amount=1000000 has social security ss=1, find " age ": " 21,25 ", " amount ": 1000000, " ss ": 1 } it floats
Coefficient 0.156
Calculate risk premium=1000000*0.001*0.156=156, round up retain two-decimal be 156；
SumPremium1=156；
SumPremium2=156；
2. insurance scheme 1310A00201, risk 1013002, protection amount 1000000, there is social security at the age 23, ibid in data
It is found in library
" age ": " 21,25 ", " amount ": 1000000, " ss ": 1 } its float factor 0.0208
Risk premium=1000000*0.001*0.0208=20.8 is calculated, rounding up retains two-decimal and be
20.8；
SumPremium1=176.8；
SumPremium2=176.8；
3. insurance scheme 1310A00201, risk 1013003, protection amount 10000, there is social security at the age 23, ibid in database
In find
" age ": " 21,25 ", " amount ": 10000, " ss ": 1 } its float factor 1.04
Calculate risk premium=10000*0.001*1.04=10.4, round up retain two-decimal be 10.4；
SumPremium1=187.2；
SumPremium2=187.2；
4. insurance scheme 1310A00201, risk 1122001, protection amount 1000000, there is social security at the age 23, ibid in data
It is found in library
" age ": " 21,25 ", " amount ": 1000000, " ss ": 1 } its float factor 0.0208
Risk premium=1000000*0.001*0.0208=20.8 is calculated, rounding up retains two-decimal and be
20.8；
SumPremium1=208；
SumPremium2=208；
SumPremium1=208；
SumPremium2=208；
Compare sumPremium1 and sumPremium2, no difference returns to risk list and total sum insured without the volume of making up the difference:
The system of insuring determines that the premium that the client needs to pay is 208 yuan, and carries out continuing operation thereafter.
According to the information processing method of insuring of the disclosure, developer is when developing new product, it is only necessary to by table above
Premium measuring and calculating can be used in one sets of data of document configuration according to demand, very convenient convenient.
According to the information processing method of insuring of the disclosure, premium measuring and calculating engineering also uses redis, for premium measuring and calculating
Database configuration, can be cached to redis first, when using these configurations, can inquire redis first, only when redis is hung
Inquiry database can be just removed when falling, and avoided several database performance bring bottlenecks, improved the performance of system.
In addition, can be also cached in redis for the premium results of measuring that similar count factor obtains, such as scheme
The 1310A00201 lower age is that 23 to have the receivable premium of the client of social security be 208 yuan, can be identified by insurance scheme and count factor institute
The section of category is stored in redis, encounters the age again between 21 to 25 next time and has the client of social security to buy 1310A00201
Redis can be first inquired when product and takes out receivable premium, without calculating again.
According to the information processing method of insuring of the disclosure, when the float factor of the premium of scheme needs to adjust, it is only necessary to
It mentions a sql and updates database data then flush buffers；When scheme does activity and gives a discount, also only needs to introduce one and beat
Folding factor configuration can fast implement.
It will be appreciated by those skilled in the art that realizing that all or part of the steps of above-described embodiment is implemented as being executed by CPU
Computer program.When the computer program is executed by CPU, above-mentioned function defined by the above method that the disclosure provides is executed
Energy.The program can store in a kind of computer readable storage medium, which can be read-only memory, magnetic
Disk or CD etc..
Further, it should be noted that above-mentioned attached drawing is only the place according to included by the method for disclosure exemplary embodiment
Reason schematically illustrates, rather than limits purpose.It can be readily appreciated that above-mentioned processing shown in the drawings is not indicated or is limited at these
The time sequencing of reason.In addition, be also easy to understand, these processing, which can be, for example either synchronously or asynchronously to be executed in multiple modules.
Following is embodiment of the present disclosure, can be used for executing embodiments of the present disclosure.It is real for disclosure device
Undisclosed details in example is applied, embodiments of the present disclosure is please referred to.
Fig. 3 is a kind of block diagram of information processing unit of insuring shown according to an exemplary embodiment.It insures information processing
Device 30 includes: module 302 of insuring, class Modules 304, factor module 306 and premium module 308.
For module of insuring 302 for obtaining information of insuring, the information of insuring includes insurance scheme and customer information.
Class Modules 304 are used to determine risk according to the insurance scheme；According to the insurance scheme by the scheme danger
Other allocation list determines risk.
Wherein, class Modules 304 further include:
Unit is identified, for determining that the insurance scheme identifies according to the insurance scheme；
Table unit is configured, for obtaining scheme risk allocation list, the scheme risk allocation list includes passing through each insurer
Pattern identification generates scheme risk allocation list at least one corresponding risk；Configuration table unit is also used to according to the insurance scheme
Mark obtains the scheme risk allocation list by key-value pair data library.
Class location corresponds at least the one of insurance scheme mark for determining according to the scheme risk allocation list
A risk, to determine corresponding at least one risk.
Factor module 306 is used to determine standard rate and at least one count factor according to the risk；According to the guarantor
Dangerous scheme obtains the scheme risk allocation list by key-value pair data library；The danger is determined by the scheme risk allocation list
Not.
Wherein, factor module 306 further include:
Standard rate unit, for determining the standard rate by risk allocation list according to the risk, wherein the danger
Other allocation list includes each risk and corresponding standard rate；
Rules unit is calculated, for determining at least one described count factor by the risk factor table according to the risk
With corresponding measuring and calculating rule, wherein the risk factor table includes each risk and at least one corresponding count factor and correspondence
Measuring and calculating rule；And
Parameters unit, for regular according to the customer information, at least one described count factor and corresponding measuring and calculating, really
The corresponding parametric values of fixed at least one count factor.
Premium module 308 is used for according to the insurance amount, the standard rate, at least one described count factor, really
Determine premium data.It include: that real-time count factor is determined by count factor and the float factor table；According to the risk, institute
It states standard rate, at least one real-time count factor and the customer information and determines premium data.
Premium module 308 includes:
Coefficient elements determine the standard rate for the corresponding parametric values according at least one count factor
Float factor；
Rate unit, for determining the expense for the information of insuring according to the base rate and the float factor
Rate；
Premium unit, for determining premium data according to the insurance amount and the rate.
According to the information processing unit of insuring of the disclosure, risk is determined by insurance scheme；And then determine standard rate with
Then at least one count factor calculates the mode of premium, current protect can be determined in real time according to multiple dynamic count factors
Take, additionally it is possible to realize that premium calculation automation is run, reduction exploitation and O&M cost.
Fig. 4 is the system block diagram of a kind of insure information processing method and device shown according to an exemplary embodiment.
As shown in figure 4, system architecture 40 may include terminal device 401,402,403, network 404 and server 405.Net
Network 404 between terminal device 401,402,403 and server 405 to provide the medium of communication link.Network 404 can wrap
Include various connection types, such as wired, wireless communication link or fiber optic cables etc..
User can be used terminal device 401,402,403 and be interacted by network 404 with server 405, to receive or send out
Send message etc..Various telecommunication customer end applications, such as the application of shopping class, net can be installed on terminal device 401,402,403
The application of page browsing device, searching class application, instant messaging tools, mailbox client, social platform software etc..
Terminal device 401,402,403 can be the various electronic equipments with display screen and supported web page browsing, packet
Include but be not limited to smart phone, tablet computer, pocket computer on knee and desktop computer etc..
Server 405 can be to provide the server of various services, such as utilize terminal device 401,402,403 to user
Captured picture provides the background server supported.Server 405 can carry out the image data received the processing such as analyzing,
And processing result is fed back into terminal device.
User can upload information of insuring by terminal device 401,402,403, and terminal device 401,402,403 can be obtained for example
Information of insuring is taken, the information of insuring includes insurance scheme and customer information；Terminal device 401,402,403 can such as basis
The insurance scheme determines risk；Terminal device 401,402,403 for example can determine standard rate, at least one according to the risk
A count factor and relationship；And terminal device 401,402,403 can be for example according to the risk, standard rate, described
At least one count factor and the customer information determine premium data.Terminal device 401,402,403 can also be for example to guarantor
Expense data are further processed.
User can be obtained by terminal device 401,402,403 and be insured information, terminal device 401,402,403 can for example by
Information of insuring is forwarded in server 405, and server 405 can for example obtain information of insuring, and the information of insuring includes insurer
Case and customer information；Server 405 for example can determine risk according to the insurance scheme；Server 405 can be for example according to institute
It states risk and determines standard rate, at least one count factor and relationship；And server 405 can be for example according to the risk, institute
It states standard rate, at least one described count factor and the customer information and determines premium data.Server 405 can also example
Premium data are further processed.Server 405 can also for example by premium data return terminal device 401,402,
403, terminal device 401,402,403 can also for example be further processed premium data.
Server 405 can be the server of an entity, also may be, for example, multiple server compositions, needs to illustrate
Be insure provided by the embodiment of the present disclosure information processing method can by server 405 and/or terminal device 401,402,
403 execute, and correspondingly, information processing unit of insuring can be set in server 405 and/or terminal device 401,402,403.
And it is supplied to the insure request end of information input of user and is normally in terminal device 401,402,403.
Fig. 5 is the application scenario diagram of a kind of insure information processing method and device shown according to an exemplary embodiment.
Fig. 5 show routinely illustrate to insure information processing method insurance field application scenarios.
Certain client buys middle and high end inpatient medical danger (A money), needs to calculate it and deals with premium, premium calculating system is connected to report
Text starts to calculate premium, finally provides real-time premium data to client after basic sign test.
According to insure information processing method and the device of the disclosure, risk is determined by insurance scheme；And then determine benchmark
Then rate and at least one count factor calculate the mode of premium, can be determined in real time according to multiple dynamic count factors
Current premium, additionally it is possible to realize that premium calculation automation is run, reduction exploitation and O&M cost.
According to insure information processing method and the device of the disclosure, complete configurationization is realized, is avoided using exploit person
Power exploitation code, it is only necessary to which simple database configuration reduces exploitation human cost.
According to insure information processing method and the device of the disclosure, O&M cost is reduced, is expanded since its is good
Property, all optimization modifications all configure level in database, and since online, problem did not occurred yet in never iteration version,
It is sufficiently stable.
Fig. 6 is the block diagram of a kind of electronic equipment shown according to an exemplary embodiment.
The electronic equipment 200 of this embodiment according to the disclosure is described referring to Fig. 6.The electronics that Fig. 6 is shown
Equipment 200 is only an example, should not function to the embodiment of the present disclosure and use scope bring any restrictions.
As shown in fig. 6, electronic equipment 200 is showed in the form of universal computing device.The component of electronic equipment 200 can wrap
It includes but is not limited to: at least one processing unit 210, at least one storage unit 220, (including the storage of the different system components of connection
Unit 220 and processing unit 210) bus 230, display unit 240 etc..
Wherein, the storage unit is stored with program code, and said program code can be held by the processing unit 210
Row, so that the processing unit 210 executes described in this specification above-mentioned electronic prescription circulation processing method part according to this
The step of disclosing various illustrative embodiments.For example, the processing unit 210 can be executed such as Fig. 2, walked shown in Fig. 3
Suddenly.
The storage unit 220 may include the readable medium of volatile memory cell form, such as random access memory
Unit (RAM) 2201 and/or cache memory unit 2202 can further include read-only memory unit (ROM) 2203.
The storage unit 220 can also include program/practical work with one group of (at least one) program module 2205
Tool 2204, such program module 2205 includes but is not limited to: operating system, one or more application program, other programs
It may include the realization of network environment in module and program data, each of these examples or certain combination.
Bus 230 can be to indicate one of a few class bus structures or a variety of, including storage unit bus or storage
Cell controller, peripheral bus, graphics acceleration port, processing unit use any bus structures in a variety of bus structures
Local bus.
Electronic equipment 200 can also be with one or more external equipments 300 (such as keyboard, sensing equipment, bluetooth equipment
Deng) communication, can also be enabled a user to one or more equipment interact with the electronic equipment 200 communicate, and/or with make
Any equipment (such as the router, modulation /demodulation that the electronic equipment 200 can be communicated with one or more of the other calculating equipment
Device etc.) communication.This communication can be carried out by input/output (I/O) interface 250.Also, electronic equipment 200 can be with
By network adapter 260 and one or more network (such as local area network (LAN), wide area network (WAN) and/or public network,
Such as internet) communication.Network adapter 260 can be communicated by bus 230 with other modules of electronic equipment 200.It should
Understand, although not shown in the drawings, other hardware and/or software module can be used in conjunction with electronic equipment 200, including but unlimited
In: microcode, device driver, redundant processing unit, external disk drive array, RAID system, tape drive and number
According to backup storage system etc..
Through the above description of the embodiments, those skilled in the art is it can be readily appreciated that example described herein is implemented
Mode can also be realized by software realization in such a way that software is in conjunction with necessary hardware.Therefore, according to the disclosure
The technical solution of embodiment can be embodied in the form of software products, which can store non-volatile at one
Property storage medium (can be CD-ROM, USB flash disk, mobile hard disk etc.) in or network on, including some instructions are so that a calculating
Equipment (can be personal computer, server or network equipment etc.) executes the above method according to disclosure embodiment.
Figure, 7 schematically show a kind of computer readable storage medium schematic diagram in disclosure exemplary embodiment.
Refering to what is shown in Fig. 7, describing the program product for realizing the above method according to embodiment of the present disclosure
700, can using portable compact disc read only memory (CD-ROM) and including program code, and can in terminal device,
Such as it is run on PC.However, the program product of the disclosure is without being limited thereto, in this document, readable storage medium storing program for executing can be with
To be any include or the tangible medium of storage program, the program can be commanded execution system, device or device use or
It is in connection.
Can with any combination of one or more programming languages come write for execute the disclosure operation program
Code, described program design language include object oriented program language-Java, C++ etc., further include conventional
Procedural programming language-such as " C " language or similar programming language.Program code can be fully in user
It calculates and executes in equipment, partly executes on a user device, being executed as an independent software package, partially in user's calculating
Upper side point is executed on a remote computing or is executed in remote computing device or server completely.It is being related to far
Journey calculates in the situation of equipment, and remote computing device can pass through the network of any kind, including local area network (LAN) or wide area network
(WAN), it is connected to user calculating equipment, or, it may be connected to external computing device (such as utilize ISP
To be connected by internet).
Above-mentioned computer-readable medium carries one or more program, when said one or multiple programs are by one
When the equipment executes, so that the computer-readable medium implements function such as: obtaining information of insuring, the information of insuring includes protecting
Dangerous scheme and customer information；Risk and insurance amount are determined according to the insurance scheme；According to the risk and the client
Information determines corresponding standard rate and at least one count factor；And according to the insurance amount, the standard rate, institute
At least one count factor is stated, determines premium data.
It will be appreciated by those skilled in the art that above-mentioned each module can be distributed in device according to the description of embodiment, it can also
Uniquely it is different from one or more devices of the present embodiment with carrying out corresponding change.The module of above-described embodiment can be merged into
One module, can also be further split into multiple submodule.
By the description of above embodiment, those skilled in the art is it can be readily appreciated that example embodiment described herein
It can also be realized in such a way that software is in conjunction with necessary hardware by software realization.Therefore, implemented according to the disclosure
The technical solution of example can be embodied in the form of software products, which can store in a non-volatile memories
In medium (can be CD-ROM, USB flash disk, mobile hard disk etc.) or on network, including some instructions are so that a calculating equipment (can
To be personal computer, server, mobile terminal or network equipment etc.) it executes according to the method for the embodiment of the present disclosure.
It is particularly shown and described the exemplary embodiment of the disclosure above.It should be appreciated that the present disclosure is not limited to
Detailed construction, set-up mode or implementation method described herein；On the contrary, disclosure intention covers included in appended claims
Various modifications and equivalence setting in spirit and scope.
Claims (10)
- The information processing method 1. one kind is insured characterized by comprisingAcquisition is insured information, and the information of insuring includes insurance scheme and customer information；Risk and insurance amount are determined according to the insurance scheme；Corresponding standard rate and at least one count factor are determined according to the risk and the customer information；AndAccording to the insurance amount, the standard rate, at least one described count factor, premium data are determined.
- 2. the method as described in claim 1, which is characterized in that described to determine risk according to the insurance scheme, comprising:The insurance scheme mark is determined according to the insurance scheme；Acquisition scheme risk allocation list, the scheme risk allocation list include each insurance scheme mark and at least one corresponding danger Not；At least one risk for corresponding to insurance scheme mark is determined according to the scheme risk allocation list.
- 3. method according to claim 2, which is characterized in that the acquisition scheme risk allocation list, comprising:It is identified according to the insurance scheme, the scheme risk allocation list is obtained by key-value pair data library.
- 4. the method as described in claim 1, which is characterized in that determine benchmark expense according to the risk and the customer information Rate, at least one count factor, comprising:The standard rate is determined by risk allocation list according to the risk, wherein the risk allocation list include each risk with Corresponding standard rate；AndAt least one described count factor and corresponding measuring and calculating rule are determined by the risk factor table according to the risk, In, the risk factor table includes each risk and at least one corresponding count factor and corresponding measuring and calculating rule；According to the customer information, at least one described count factor and corresponding measuring and calculating rule, at least one described survey is determined Calculate the corresponding parametric values of the factor.
- 5. method as claimed in claim 4, which is characterized in that it is described according to the insurance amount, it is the standard rate, described At least one count factor determines premium data, comprising:According to the corresponding parametric values of at least one count factor, the float factor of the standard rate is determined；The rate for the information of insuring is determined according to the base rate and the float factor；According to the insurance amount and the real-time rate, premium data are determined.
- 6. method as claimed in claim 5, which is characterized in that according to the corresponding parametric values of at least one count factor, Determine the float factor of the standard rate, comprising:The float factor for corresponding to the corresponding parametric values of at least one count factor is determined according to float factor table；Wherein, the float factor table includes corresponding parametric values and the corresponding float factor of at least one count factor.
- 7. the method as described in claim 1, which is characterized in that according to the insurance amount, the standard rate, it is described at least One count factor, determines premium data, comprising:According to the insurance amount, the standard rate, at least one described count factor, respectively determine the first premium data with Second premium data；AndDouble verifications are carried out with the determination premium data to the first premium data and the second premium data.
- The information processing unit 8. one kind is insured characterized by comprisingIt insures module, for obtaining information of insuring, the information of insuring includes insurance scheme and customer information；Class Modules, for determining risk according to the insurance scheme；Factor module, for according to the risk and the customer information determine corresponding standard rate and at least one measuring and calculating because Son；AndPremium module, for determining premium according to the insurance amount, the standard rate, at least one described count factor Data.
- 9. a kind of electronic equipment characterized by comprisingOne or more processors；Storage device, for storing one or more programs；When one or more of programs are executed by one or more of processors, so that one or more of processors are real The now method as described in any in claim 1-7.
- 10. a kind of computer-readable medium, is stored thereon with computer program, which is characterized in that described program is held by processor The method as described in any in claim 1-7 is realized when row.
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| CN113643138A (en) * | 2020-12-16 | 2021-11-12 | 北京车与车科技有限公司 | Method and device for calculating and configuring personal insurance premium |
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