CN109325868B - Questionnaire data processing method, device, computer equipment and storage medium - Google Patents
Questionnaire data processing method, device, computer equipment and storage medium Download PDFInfo
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Abstract
The application relates to a questionnaire data processing method, a questionnaire data processing device, a questionnaire data processing computer device and a questionnaire data storage medium based on big data analysis. The method comprises the following steps: acquiring a nuclear questionnaire in a policy; the core questionnaire comprises a plurality of initial questions and a plurality of sub-questions; extracting a selected option identifier input by a user based on each initial question and each sub-question; acquiring a sub-risk value corresponding to each selected option identifier; calculating according to the sub-risk values to obtain a comprehensive risk value of the nuclear questionnaire; and determining the type of the policy corresponding to the nuclear questionnaire according to the risk value interval in which the comprehensive risk value is located. By adopting the method, accurate user image drawing can be realized, and the verification efficiency is improved.
Description
Technical Field
The present application relates to the field of computer technologies, and in particular, to a questionnaire data processing method, apparatus, computer device, and storage medium.
Background
When the applicant needs to inform the health condition of the insured person in the process of applying the insurance, usually, a service person prints a nuclear insurance questionnaire for health investigation into a letter to be filled out for the applicant, after the letter is filled out, the service person returns the letter to the nuclear insurance person for manual nuclear insurance, and the nuclear insurance person manually judges the protectable risk of the insurance policy according to the filled nuclear insurance questionnaire so as to determine whether to underwire and under what conditions. The underwriter may classify the underwriter into three types according to the health condition of the underwriter. The standard body refers to a crowd capable of being guaranteed without increasing premium or special limit. Sub-standard refers to a higher level of health risk than standard, applicable to people at adjusted rates or under additional conditions. The delay refused body is a crowd with the health risk degree obviously higher than that of the underwriting group and the underwriting cannot be underwriting by the insurance company. In the traditional mode, the underwriter needs to judge whether all insurance policies can be underwritten, and the underwriter needs to combine the underwriter manual and own experience to judge, so that the underwriting efficiency is lower.
Disclosure of Invention
In view of the foregoing, it is desirable to provide a questionnaire data processing method, apparatus, computer device, and storage medium capable of effectively improving the efficiency of kernel protection.
A method of questionnaire data processing, the method comprising: acquiring a nuclear questionnaire in a policy; the core questionnaire comprises a plurality of initial questions and a plurality of sub-questions; extracting a selected option identifier input by a user based on each initial question and each sub-question; acquiring a sub-risk value corresponding to each selected option identifier; calculating according to the sub-risk values to obtain the comprehensive risk value of the nuclear questionnaire; and determining the policy type corresponding to the nuclear questionnaire according to the risk value interval in which the comprehensive risk value is located.
In one embodiment, the acquiring a core questionnaire in a policy includes: acquiring initial questions in a questionnaire tree, and generating an initial questionnaire according to the initial questions; acquiring a selected option identifier based on the initial questionnaire input; judging whether a sub-problem corresponding to the selected option identifier exists in the questionnaire tree; when a sub-question corresponding to the selected option identifier exists in the questionnaire tree, acquiring the sub-question, and generating a new synthesized questionnaire containing the sub-question; and acquiring a selected option identifier based on new synthesized questionnaire input, and returning to the step of executing the step of judging whether the sub-problem corresponding to the selected option identifier exists in the questionnaire tree until the sub-problem corresponding to the selected option identifier does not exist in the questionnaire tree, so as to obtain the core questionnaire.
In one embodiment, the acquiring the sub-risk value corresponding to each selected option identifier includes: determining a corresponding disease identifier according to each selected option identifier; searching for disease mortality of the disease population corresponding to each disease identifier; searching for standard mortality of standard crowd; and calculating a sub-risk value corresponding to the corresponding selected option identifier according to the standard mortality and each disease mortality.
In one embodiment, before determining the policy type corresponding to the core questionnaire according to the risk value interval in which the comprehensive risk value is located, the method further includes: respectively acquiring comprehensive risk values corresponding to a plurality of historical insurance policies; the history policy comprises an underwriting policy and a refusing policy; for each group of historical policies having the same comprehensive risk value, counting a first number of policies determined to be underwriting and a second number of policies determined to be underwriting; and dividing the risk value interval according to the first number and the second number corresponding to the plurality of groups of history policies.
In one embodiment, the dividing the risk value interval according to the first number and the second number corresponding to the plurality of sets of history policies includes: acquiring a first threshold value and a second threshold value corresponding to an original interval; calculating a second classification value according to a first threshold value and a second threshold value corresponding to the original interval, and obtaining the minimum value of the sum of the first total number and the second total number through the second classification value; the second total number is the sum of the second numbers corresponding to the comprehensive risk values from the first threshold value to the second threshold value, and the first total number is the sum of the first numbers corresponding to the comprehensive risk values from the second threshold value to the second threshold value; and adjusting the first threshold value and the second threshold value according to the classification value, and re-dividing a risk value interval according to the adjusted first threshold value and the adjusted second threshold value.
In one embodiment, the determining, according to the risk value interval in which the comprehensive risk value is located, the policy type corresponding to the core questionnaire includes: when the comprehensive risk value is in a risk value interval corresponding to the adjusted first threshold value, judging that the corresponding policy of the nuclear questionnaire is an underwriting policy; when the comprehensive risk value is in a risk value interval between the adjusted first threshold value and the adjusted second threshold value, judging that the corresponding policy of the nuclear questionnaire is a policy to be checked; and when the comprehensive risk value is in a risk value interval corresponding to the adjusted second threshold value, judging that the corresponding policy of the nuclear questionnaire is a refused policy.
A questionnaire data processing device, the device comprising: the acquisition module is used for acquiring the nuclear questionnaire in the policy; the core questionnaire comprises a plurality of initial questions and a plurality of sub-questions; the extraction module is used for extracting the selected option identification input by the user based on each initial question and each sub-question; the computing module is used for acquiring a sub-risk value corresponding to each selected option identifier; calculating to obtain a comprehensive risk value of the nuclear questionnaire according to the sub-risk value; and the determining module is used for determining the policy type corresponding to the nuclear questionnaire according to the risk value interval in which the comprehensive risk value is located.
In one embodiment, the obtaining module is further configured to obtain an initial question in a questionnaire tree, and generate an initial questionnaire according to the initial question; acquiring a selected option identifier based on the initial questionnaire input; judging whether a sub-problem corresponding to the selected option identifier exists in the questionnaire tree; when a sub-question corresponding to the selected option identifier exists in the questionnaire tree, acquiring the sub-question, and generating a new synthesized questionnaire containing the sub-question; and acquiring a selected option identifier based on new synthesized questionnaire input, and returning to the step of executing the step of judging whether the sub-problem corresponding to the selected option identifier exists in the questionnaire tree until the sub-problem corresponding to the selected option identifier does not exist in the questionnaire tree, so as to obtain the core questionnaire.
A computer device comprising a memory storing a computer program and a processor implementing the steps of the questionnaire data processing method described in the respective embodiments above when the processor executes the computer program.
A computer-readable storage medium having stored thereon a computer program which, when executed by a processor, implements the steps of the questionnaire data processing method described in the respective embodiments above.
According to the questionnaire data processing method, the questionnaire data processing device, the computer equipment and the storage medium, after the server obtains the nuclear questionnaire which is filled by the user, the server can extract each initial question and the selected option identifier corresponding to each sub-question contained in the nuclear questionnaire, and after the corresponding sub-risk value is obtained based on each selected option identifier, the comprehensive risk value corresponding to the nuclear questionnaire can be obtained through calculation according to the plurality of sub-risk values, and the type of the policy corresponding to the nuclear questionnaire can be determined according to the risk value interval where the comprehensive risk value is located. Based on the nuclear questionnaire, the questionnaire data is processed, and the policy type corresponding to the nuclear questionnaire is automatically calculated and analyzed. The to-be-checked insurance policy of which the part needs to be manually checked is selected through screening, so that a check and insurance person does not need to check and protect all insurance policies, the workload of manual check and insurance is reduced, and the check and insurance efficiency can be effectively improved.
Drawings
FIG. 1 is an application scenario diagram of a questionnaire data processing method in one embodiment;
FIG. 2 is a flow chart of a method of questionnaire data processing in one embodiment;
FIG. 3 is a schematic diagram of a questionnaire tree in one embodiment;
FIG. 4 is a flowchart of a method for processing questionnaire data according to another embodiment;
FIG. 5 is a block diagram of a questionnaire data processing apparatus in one embodiment;
fig. 6 is an internal structural diagram of a computer device in one embodiment.
Detailed Description
The present application will be described in further detail with reference to the drawings and examples, in order to make the objects, technical solutions and advantages of the present application more apparent. It should be understood that the specific embodiments described herein are for purposes of illustration only and are not intended to limit the scope of the application.
It will be understood that the terms first, second, etc. as used herein may be used to describe various elements, but these elements are not limited by these terms. These terms are only used to distinguish one element from another element. For example, a first number may be referred to as a second number, and similarly, a second number may be referred to as a first number, without departing from the scope of the invention. Both the first number and the second number are numbers, but they are not the same number.
The questionnaire data processing method provided by the application can be applied to an application environment shown in figure 1. Wherein the terminal 102 communicates with the server 104 via a network. The terminal 102 may be, but not limited to, various personal computers, notebook computers, smartphones, tablet computers, and portable wearable devices, and the server 104 may be implemented by a stand-alone server or a server cluster composed of a plurality of servers. Server 104 may obtain a core questionnaire from terminal 102 that contains a plurality of initial questions and a plurality of sub-questions, and server 104 may extract a selected option identification entered by the user based on each initial question and each sub-question. Server 104 may obtain a corresponding sub-risk value according to each selected option identifier, and calculate a comprehensive risk value for the core questionnaire according to the plurality of sub-risk values. Server 104 may determine the policy type corresponding to the core questionnaire according to the risk value interval in which the integrated risk value is located.
In one embodiment, as shown in fig. 2, a questionnaire data processing method is provided, and the method is applied to the server 104 in fig. 1 for illustration, and includes the following steps:
Step 202, acquiring a nuclear questionnaire in a policy; the core questionnaire contains a plurality of initial questions and a plurality of sub-questions.
The core questionnaire refers to a questionnaire that a user has completed filling out integrating a plurality of initial questions and a plurality of sub-questions. The sub-questions in the core questionnaire may be more refined questions that are retrieved and presented according to the user's answers to the initial questions, thereby to the corresponding initial questions or options of the initial questions. For example, when the user "clicks" the yes "corresponding option for the initial question" whether there is the symptom, disease or operation history not mentioned above, "the sub-question" symptom, disease or operation name "corresponding to the option may be acquired, and when the" no "corresponding option is clicked, the sub-question need not be acquired and displayed.
Step 204 extracts the user's selected option identification based on each initial question and each sub-question input.
The user can select the option identifiers corresponding to the initial questions and the sub-questions according to the actual conditions, and the selected option identifiers are used as selected option identifiers. The globally unique option identifier can be preset for each option of each question, and the label of the selected option can be added to the question identifier corresponding to each question to serve as the selected option identifier of the corresponding selected option. For example, for A, B, C options of problem 1 and A, B, C options of problem 2, globally unique option identifications 1.1, 1.2, 1.3, 2.1, 3.2, and 3.3 may be preset respectively, and then the selected option identifications need to be extracted from the multiple option identifications; the selected option identifications 1 (B) and 2 (a) may also be preset for only the selected option B of the question 1 and the selected option a of the question 2, respectively.
Step 206, obtaining a sub-risk value corresponding to each selected option identifier.
The health of the user may be determined by the selected option identification. For example, when a user selects a disease having a tumor, nodule, polyp, cyst, cancer, etc., the user's risk of underwriting may be analyzed based on the user's disease. The sub-risk value refers to a numerical value or level corresponding to each selected option for reflecting the degree of risk underwriting by the user.
In one embodiment, obtaining a sub-risk value corresponding to each selected option identifier includes: determining a corresponding disease identifier according to each selected option identifier; searching for disease mortality of the disease population corresponding to each disease identifier; searching for standard mortality of standard crowd; and calculating a sub-risk value corresponding to the corresponding selected option identifier according to the standard mortality and each disease mortality.
The nuclear questionnaire may be a health questionnaire. Each selected option identifier may correspond to a disease identifier of a disease type, a disease name, a disease extent, etc. A corresponding sub-risk value for each selected option identification may be calculated. The sub-risk value may be an EM value (additional mortality), which is an assessment of health risk in the nuclear insurance. The disease population refers to the patient population corresponding to the disease mark, and the standard population refers to the population with good physical health condition and no influence on underwriting. The disease mortality of the disease population and the standard mortality of the standard population can be obtained by collecting real-time data from web pages through web crawlers, and the data pre-stored in a local database can also be obtained. The sub-risk value may be calculated by the following formula: sub-risk value = (disease mortality-standard mortality)/standard mortality. The calculated sub-risk value corresponding to the selected option identifier can be stored in a local database for subsequent direct query utilization without repeated calculation.
For example, the selected option identification reflects that the user is a hepatitis B patient aged 45. And 10000 people of 45 years old, hepatitis B crowd die 1000 people in one year; 10000 in standard population and 100 in standard population die. Then the subrisk value of the 45 years old hepatitis B patient is
And step 208, calculating to obtain the comprehensive risk value of the nuclear questionnaire according to the sub-risk value.
When the user selects the selected option identifications corresponding to the multiple diseases, the sub-risk values corresponding to the multiple selected option identifications can be weighted and summed to obtain a final comprehensive risk value. For example, the sub-risk values obtained for five diseases are A, B, D, E and F, respectively, and the corresponding weights are W1, W2, W3, W4, and W5, respectively. The combined EM value is em=aw1+bw2+dw3+ew4+fw5.
Step 210, determining the policy type corresponding to the nuclear questionnaire according to the risk value interval in which the comprehensive risk value is located.
Users can be classified into three types according to health conditions: standard body, sub-standard body, delay refused body. The standard body refers to a crowd capable of being guaranteed without increasing premium or special limit. Sub-standard refers to a higher level of health risk than standard, applicable to people at adjusted rates or under additional conditions. The delay refused body is a crowd with the health risk degree obviously higher than that of the underwriting group and the underwriting cannot be underwriting by the insurance company. The number of the risk value intervals can be three, each risk value interval corresponds to a corresponding policy type, and the policy type is the type of the corresponding policy obtained according to the determined health type of the user. When the user is judged to be a standard body, the corresponding policy of the nuclear questionnaire is indicated as an underwriting policy, and the underwriting process can be directly entered; when the user is judged to be a secondary standard body, the corresponding policy of the nuclear questionnaire is stated as a policy to be checked, manual checking is needed, and the adjusted rate is negotiated or additional conditions are used; when the user is judged to be the deferred refused entity, the policy corresponding to the nuclear questionnaire is indicated to be the refused policy, and the deferred flow or the refused flow can be directly entered.
In the questionnaire data processing method, after the server obtains the core questionnaire which has been filled by the user, the server can extract each initial question and the selected option identifier corresponding to each sub-question contained in the core questionnaire, calculate and obtain the comprehensive risk value corresponding to the core questionnaire according to the multiple sub-risk values after obtaining the corresponding sub-risk value based on each selected option identifier, and determine the type of the policy corresponding to the core questionnaire according to the risk value interval in which the comprehensive risk value is located. Based on the nuclear questionnaire, the questionnaire data is processed, and the policy type corresponding to the nuclear questionnaire is automatically calculated and analyzed. By processing the questionnaire data, a part of to-be-checked insurance policies needing to be manually checked are screened out, so that a check and insurance person does not need to check and insurance all insurance policies, the workload of manual check and insurance is reduced, and the check and insurance efficiency can be effectively improved.
In one embodiment, obtaining a core questionnaire in a policy includes: acquiring initial questions in a questionnaire tree, and generating an initial questionnaire according to the initial questions; acquiring a selected option identifier based on initial questionnaire input; judging whether a sub-problem corresponding to the selected option identifier exists in the questionnaire tree; when a sub-problem corresponding to the selected option identifier exists in the questionnaire tree, acquiring the sub-problem, and generating a new synthesized questionnaire containing the sub-problem; and acquiring a selected option identifier based on new synthesized questionnaire input, and returning to execute the step of judging whether the sub-questions corresponding to the selected option identifier exist in the questionnaire tree until the sub-questions corresponding to the selected option identifier do not exist in the questionnaire tree, so as to obtain the core questionnaire.
The questionnaire tree refers to a tree-structured questionnaire generated from all questionnaire questions. The questionnaire tree comprises a plurality of hierarchical questionnaire questions, and each child node corresponds to a questionnaire question and is a branch refinement question of a parent node corresponds to the questionnaire question. The initial question refers to a questionnaire question at the first level in the questionnaire tree. The question types of the question in the question tree include, but are not limited to, one or more questions of non-questions, single-choice questions, multi-choice questions, text blank-filling questions, digital blank-filling questions, file uploading questions, date selection questions, parameter selection questions and the like. The initial questionnaire refers to a questionnaire integrated with the initial questions for presentation to the user for filling out. The user can select a plurality of option identifiers corresponding to the initial question according to actual conditions based on the initial questionnaire, and the selected option identifiers are used as selected option identifiers.
For example, as in the questionnaire tree of fig. 3, node 1, node 2, node 3 represent the initial problem of the first level, node 1.1, node 1.2, node 2.1, node 2.2 are sub-problems of the second level, and node 1.21, node 1.22 are problems of the third level. Only the initial questions corresponding to the nodes 1,2 and 3 are displayed at first, and the rest level questions are confirmed to be displayed or not displayed according to the selected option identification of the questionnaire questions corresponding to the corresponding father nodes. The problem of the nodes of each level going to the nodes of the next level has a trigger condition. For example, only if the user is directed to "do it smoke? The questionnaire question corresponding to the parent node of "will show" how often smoke is inhaled "after the option identifier of" smoke "is checked? "child problem corresponding to child node of" is provided. If the option mark of 'no smoking' is checked, the questionnaire is not refreshed, and the user can answer another questionnaire question of the same hierarchy. When the problems corresponding to the leaf nodes of the nodes 1.1, 1.21, 1.22, 2.1, 2.2 and 3 are reached, the questionnaire does not need to be refreshed.
The user can input the selected option identification again based on the new synthesized questionnaire, when the sub-questions corresponding to the selected option identification exist in the questionnaire tree, the corresponding sub-questions are continuously acquired, and the new synthesized questionnaire is regenerated according to the newly acquired sub-questions. When there is no sub-question in the questionnaire tree corresponding to the selected option identifier, then there is no need to obtain a new sub-question. The user can fill in or select based on other initial questions or sub-questions in the new synthesized questionnaire until all the initial questions and the sub-questions have corresponding selected option identifications, which indicates that the current synthesized questionnaire cannot be further filled in, selected and expanded, and takes the synthesized questionnaire in the current completely expanded state as a core questionnaire.
By dynamically generating the synthesized questionnaire according to the selected option identification input by the user, the problem that no filling is needed in display is avoided, so that the initial problem or the sub-problem in the nuclear questionnaire is the problem which the user has to fill in, and the questionnaire investigation efficiency is improved.
In one embodiment, before determining the policy type corresponding to the core questionnaire according to the risk value interval in which the comprehensive risk value is located, the method further includes: respectively acquiring comprehensive risk values corresponding to a plurality of historical insurance policies; the history policy includes an underwriting policy and a refusing policy; for each group of historical policies having the same comprehensive risk value, counting a first number of policies determined to be underwriting and a second number of policies determined to be underwriting; and dividing the risk value interval according to the first number and the second number corresponding to the plurality of groups of history policies.
And forming a policy risk distribution corresponding to the historical policy according to the first number of the policy determined to be underwriting and the second number of the policy determined to be refused, wherein in the policy risk distribution, the abscissa is a comprehensive risk value, and the ordinate is the number of the policies corresponding to the same comprehensive risk value. Corresponding two policy risk distributions can be generated for the underwriting policy and the refusing policy respectively.
In one embodiment, dividing the risk value interval according to the first number and the second number corresponding to the plurality of sets of history policies includes: acquiring a first threshold value and a second threshold value corresponding to an original interval; calculating a second classification value according to a first threshold value and a second threshold value corresponding to the original interval, and obtaining the minimum value of the sum of the first total number and the second total number through the second classification value; the second total number is the sum of the second numbers corresponding to the comprehensive risk values between the first threshold value and the second classification value, and the first total number is the sum of the first numbers corresponding to the comprehensive risk values between the second classification value and the second threshold value; and adjusting the first threshold value and the second threshold value according to the two classification values, and re-dividing the risk value interval according to the adjusted first threshold value and the adjusted second threshold value.
A broader original interval s 1,s2, such as 50%,200% ] may be preset first, where s 1 is a first threshold and s 2 is a second threshold. And (3) manually checking and protecting a plurality of historical insurance policies in the [ s 1,s2 ] risk value interval, and determining the insurance policy and refused insurance policy in the plurality of historical insurance policies. The first threshold and the second threshold of the original interval can be adjusted through policy risk distribution of the underwriting policy and the refusing policy. By adjusting the original interval, the risk value interval corresponding to the insurance policy required to be manually checked is reduced, so that the number of insurance policies required to be manually checked is reduced, and the workload of a check-up person is reduced.
And calculating a second classification value according to the first threshold value and the second threshold value corresponding to the original interval, wherein the calculated second classification value can enable the sum of the first total number and the second total number to reach the minimum value. Can be expressed as a formulaWherein s 1 is a first threshold corresponding to the original interval, s 2 is a second threshold corresponding to the original interval, M i represents a second number of refused insurance policies with a comprehensive risk value of i, N i represents a first number of underwriting insurance policies with a comprehensive risk value of i, and the underwriting insurance policies are obtained by taking/>And/>The minimum value of the sum of the two values can be used to obtain the two classification values t. Can also be expressed as formula/>Wherein s 1 is a first threshold corresponding to the original interval, s 2 is a second threshold corresponding to the original interval, P 2 (x) represents distribution of the second number of refused insurance policies on the comprehensive risk value, P 1 (x) represents distribution of the first number of underwriting insurance policies on the comprehensive risk value, and the minimum value of the sum of the two values can be used for obtaining the two classification values t by taking the integral of P 2 (x) on [ s 1, t ] and the integral of P 1 (x) on [ t, s 2 ].
In one embodiment, when the classification value t is less than or equal to the preset value x 0, the second threshold is adjusted, for example, according to the formulaCalculating to obtain an adjusted second threshold s 2'; when the two classification value t is greater than or equal to the preset value x 0, the first threshold is adjusted, for example, according to the formula/>And calculating to obtain an adjusted first threshold value s 2'. And re-dividing the risk value interval according to the adjusted first threshold value and the adjusted second threshold value. The preset value x 0 may be a median value of the first threshold value and the second threshold value. And taking the policy with the comprehensive risk value in the risk value interval s 1',s2' as the policy needing to be manually checked. The risk value interval is dynamically adjusted according to the actual manual policy type, so that the risk value interval corresponding to the policy requiring manual verification is more accurate, and the condition that the policy of the policy type can be directly obtained and is incorporated into the manual verification is reduced.
In one embodiment, determining the policy type corresponding to the core questionnaire according to the risk value interval in which the integrated risk value is located includes: when the comprehensive risk value is in a risk value interval corresponding to the adjusted first threshold value, judging that the corresponding policy of the nuclear questionnaire is an underwriting policy; when the comprehensive risk value is in a risk value interval between the adjusted first threshold value and the adjusted second threshold value, judging that the corresponding policy of the nuclear questionnaire is a policy to be checked; and when the comprehensive risk value is in the risk value interval corresponding to the adjusted second threshold value, judging that the corresponding policy of the nuclear questionnaire is the refused policy.
When the corresponding policy of the verification questionnaire is the policy to be verified, the health abnormal information of each related disease is extracted, and all the health abnormal information is summarized and displayed, so that a user can quickly confirm. The requirements of each related disease can be searched, and a requirement prompt message is generated according to all the requirements for display so as to prompt a user to provide related data for further manual verification.
And obtaining a corresponding policy as an underwriting policy, a policy to be checked or a policy refused according to the comprehensive risk value of the nuclear questionnaire. The underwriting policy can be directly transferred to the underwriting process, the refusing policy can be transferred to the refusing process, and the to-be-checked policy can be sent to the underwriting person for manual underwriting. By transferring the policy which can directly obtain the type of the policy into the corresponding flow, the workload of the underwriter is reduced, and the underwriting efficiency is improved.
In one embodiment, as shown in fig. 4, another questionnaire data processing method is provided, and the method is applied to the server 104 in fig. 1 for illustration, and includes the following steps:
step 402, acquiring initial questions in a questionnaire tree, and generating an initial questionnaire according to the initial questions.
Step 404, a selected option identifier based on the initial questionnaire input is obtained.
Step 406, determining whether there is a sub-question in the questionnaire tree corresponding to the selected option identifier.
Step 408, when there is a sub-question in the questionnaire tree corresponding to the selected option identifier, the sub-question is obtained and a new synthesized questionnaire containing the sub-question is generated.
Step 410, obtaining the selected option identifier based on the new synthesized questionnaire input, and returning to execute the step of judging whether the sub-problem corresponding to the selected option identifier exists in the questionnaire tree until the sub-problem corresponding to the selected option identifier does not exist in the questionnaire tree, thereby obtaining the nuclear questionnaire.
Step 412 extracts the user's selected option identification based on each initial question and each sub-question input.
Step 414, determining a corresponding disease identifier according to each selected option identifier.
Step 416, the disease mortality of the disease population corresponding to each disease identifier is looked up.
Step 418, find the standard mortality of the standard population.
Step 420, calculating a sub-risk value corresponding to the selected option identifier according to the standard mortality and the mortality of each disease.
Step 422, calculating to obtain the comprehensive risk value of the nuclear questionnaire according to the sub-risk value.
And step 424, determining the policy type corresponding to the nuclear questionnaire according to the risk value interval in which the comprehensive risk value is located.
The policy types include an underwriting policy, a to-be-checked policy, and a refused policy.
According to the questionnaire data processing method, the method of dynamically generating the synthesized questionnaire according to the selected option mark input by the user avoids the problem that the questionnaire is not required to be filled in, so that the initial problem or the sub-problem in the core questionnaire is the problem that the user has to fill in, and the questionnaire investigation efficiency is improved. After obtaining the nuclear questionnaire which has been filled out by the user, the server can extract each initial question and the selected option identifier corresponding to each sub-question contained in the nuclear questionnaire, calculate and obtain the comprehensive risk value corresponding to the nuclear questionnaire according to the multiple sub-risk values after obtaining the corresponding sub-risk value based on each selected option identifier, and determine the type of the policy corresponding to the nuclear questionnaire according to the risk value interval in which the comprehensive risk value is located. Based on the nuclear questionnaire, the questionnaire data is processed, and the policy type corresponding to the nuclear questionnaire is automatically calculated and analyzed, so that the workload of manual nuclear insurance is reduced, and the nuclear insurance efficiency can be effectively improved.
It should be understood that, although the steps in the flowcharts of fig. 2 and 4 are shown in order as indicated by the arrows, these steps are not necessarily performed in order as indicated by the arrows. The steps are not strictly limited to the order of execution unless explicitly recited herein, and the steps may be executed in other orders. Moreover, at least some of the steps in fig. 2 and 4 may include multiple sub-steps or stages that are not necessarily performed at the same time, but may be performed at different times, nor do the order in which the sub-steps or stages are performed necessarily occur sequentially, but may be performed alternately or alternately with at least a portion of the sub-steps or stages of other steps or other steps.
In one embodiment, as shown in fig. 5, there is provided a questionnaire data processing apparatus 500, comprising: an obtaining module 502, configured to obtain a core questionnaire in a policy; the core questionnaire comprises a plurality of initial questions and a plurality of sub-questions; an extraction module 504 for extracting a selected option identifier input by the user based on each initial question and each sub-question; a calculating module 506, configured to obtain a sub-risk value corresponding to each selected option identifier; calculating according to the sub-risk values to obtain a comprehensive risk value of the nuclear questionnaire; the determining module 508 is configured to determine a policy type corresponding to the core questionnaire according to a risk value interval in which the comprehensive risk value is located.
In one embodiment, the obtaining module 502 is further configured to obtain an initial question in the questionnaire tree, and generate an initial questionnaire according to the initial question; acquiring a selected option identifier based on initial questionnaire input; judging whether a sub-problem corresponding to the selected option identifier exists in the questionnaire tree; when a sub-problem corresponding to the selected option identifier exists in the questionnaire tree, acquiring the sub-problem, and generating a new synthesized questionnaire containing the sub-problem; and acquiring a selected option identifier based on new synthesized questionnaire input, and returning to execute the step of judging whether the sub-questions corresponding to the selected option identifier exist in the questionnaire tree until the sub-questions corresponding to the selected option identifier do not exist in the questionnaire tree, so as to obtain the core questionnaire.
In one embodiment, the computing module 506 is further configured to determine a corresponding disease identifier based on each selected option identifier; searching for disease mortality of the disease population corresponding to each disease identifier; searching for standard mortality of standard crowd; and calculating a sub-risk value corresponding to the corresponding selected option identifier according to the standard mortality and each disease mortality.
In one embodiment, the determining module 508 is further configured to obtain comprehensive risk values corresponding to the plurality of historical policies respectively; the history policy includes an underwriting policy and a refusing policy; for each group of historical policies having the same comprehensive risk value, counting a first number of policies determined to be underwriting and a second number of policies determined to be underwriting; and dividing the risk value interval according to the first number and the second number corresponding to the plurality of groups of history policies.
In one embodiment, the determining module 508 is further configured to obtain a first threshold and a second threshold corresponding to the original interval; calculating a second classification value according to a first threshold value and a second threshold value corresponding to the original interval, and obtaining the minimum value of the sum of the first total number and the second total number through the second classification value; the second total number is the sum of the second numbers corresponding to the comprehensive risk values between the first threshold value and the second classification value, and the first total number is the sum of the first numbers corresponding to the comprehensive risk values between the second classification value and the second threshold value; and adjusting the first threshold value and the second threshold value according to the two classification values, and re-dividing the risk value interval according to the adjusted first threshold value and the adjusted second threshold value.
In one embodiment, the determining module 508 is further configured to determine that the corresponding policy of the nuclear questionnaire is an underwriting policy when the comprehensive risk value is in a risk value interval corresponding to less than the adjusted first threshold; when the comprehensive risk value is in a risk value interval between the adjusted first threshold value and the adjusted second threshold value, judging that the corresponding policy of the nuclear questionnaire is a policy to be checked; and when the comprehensive risk value is in the risk value interval corresponding to the adjusted second threshold value, judging that the corresponding policy of the nuclear questionnaire is the refused policy.
For specific limitations of the questionnaire data processing apparatus, reference may be made to the above limitations of the questionnaire data processing method, and no further description is given here. The respective modules in the above-described questionnaire data processing apparatus may be implemented in whole or in part by software, hardware, and a combination thereof. The above modules may be embedded in hardware or may be independent of a processor in the computer device, or may be stored in software in a memory in the computer device, so that the processor may call and execute operations corresponding to the above modules.
In one embodiment, a computer device is provided, which may be a server, the internal structure of which may be as shown in fig. 6. The computer device includes a processor, a memory, a network interface, and a database connected by a system bus. Wherein the processor of the computer device is configured to provide computing and control capabilities. The memory of the computer device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system, computer programs, and a database. The internal memory provides an environment for the operation of the operating system and computer programs in the non-volatile storage media. The database of the computer device is for storing questionnaire data. The network interface of the computer device is used for communicating with an external terminal through a network connection. The computer program is executed by a processor to implement a questionnaire data processing method.
It will be appreciated by those skilled in the art that the structure shown in FIG. 6 is merely a block diagram of some of the structures associated with the present inventive arrangements and is not limiting of the computer device to which the present inventive arrangements may be applied, and that a particular computer device may include more or fewer components than shown, or may combine some of the components, or have a different arrangement of components.
In one embodiment, a computer device is provided comprising a memory storing a computer program and a processor that when executing the computer program performs the steps of: acquiring a nuclear questionnaire in a policy; the core questionnaire comprises a plurality of initial questions and a plurality of sub-questions; extracting a selected option identifier input by a user based on each initial question and each sub-question; acquiring a sub-risk value corresponding to each selected option identifier; calculating according to the sub-risk values to obtain a comprehensive risk value of the nuclear questionnaire; and determining the type of the policy corresponding to the nuclear questionnaire according to the risk value interval in which the comprehensive risk value is located.
In one embodiment, the step of obtaining a core questionnaire in a policy is implemented when the processor executes a computer program, comprising the steps of: acquiring initial questions in a questionnaire tree, and generating an initial questionnaire according to the initial questions; acquiring a selected option identifier based on initial questionnaire input; judging whether a sub-problem corresponding to the selected option identifier exists in the questionnaire tree; when a sub-problem corresponding to the selected option identifier exists in the questionnaire tree, acquiring the sub-problem, and generating a new synthesized questionnaire containing the sub-problem; and acquiring a selected option identifier based on new synthesized questionnaire input, and returning to execute the step of judging whether the sub-questions corresponding to the selected option identifier exist in the questionnaire tree until the sub-questions corresponding to the selected option identifier do not exist in the questionnaire tree, so as to obtain the core questionnaire.
In one embodiment, the step of obtaining a sub-risk value corresponding to each selected option identity is implemented when the processor executes the computer program, comprising the steps of: determining a corresponding disease identifier according to each selected option identifier; searching for disease mortality of the disease population corresponding to each disease identifier; searching for standard mortality of standard crowd; and calculating a sub-risk value corresponding to the corresponding selected option identifier according to the standard mortality and each disease mortality.
In one embodiment, when the processor executes the computer program, before the step of determining the policy type corresponding to the core questionnaire according to the risk value interval where the comprehensive risk value is located, the method further includes the following steps: respectively acquiring comprehensive risk values corresponding to a plurality of historical insurance policies; the history policy includes an underwriting policy and a refusing policy; for each group of historical policies having the same comprehensive risk value, counting a first number of policies determined to be underwriting and a second number of policies determined to be underwriting; and dividing the risk value interval according to the first number and the second number corresponding to the plurality of groups of history policies.
In one embodiment, when the processor executes the computer program, the steps implemented to divide the risk value interval according to the first number and the second number corresponding to the plurality of sets of history policies include the steps of: acquiring a first threshold value and a second threshold value corresponding to an original interval; calculating a second classification value according to a first threshold value and a second threshold value corresponding to the original interval, and obtaining the minimum value of the sum of the first total number and the second total number through the second classification value; the second total number is the sum of the second numbers corresponding to the comprehensive risk values between the first threshold value and the second classification value, and the first total number is the sum of the first numbers corresponding to the comprehensive risk values between the second classification value and the second threshold value; and adjusting the first threshold value and the second threshold value according to the two classification values, and re-dividing the risk value interval according to the adjusted first threshold value and the adjusted second threshold value.
In one embodiment, when the processor executes the computer program, the step of determining the policy type corresponding to the core questionnaire according to the risk value interval where the comprehensive risk value is located includes the following steps: when the comprehensive risk value is in a risk value interval corresponding to the adjusted first threshold value, judging that the corresponding policy of the nuclear questionnaire is an underwriting policy; when the comprehensive risk value is in a risk value interval between the adjusted first threshold value and the adjusted second threshold value, judging that the corresponding policy of the nuclear questionnaire is a policy to be checked; and when the comprehensive risk value is in the risk value interval corresponding to the adjusted second threshold value, judging that the corresponding policy of the nuclear questionnaire is the refused policy.
In one embodiment, a computer readable storage medium is provided having a computer program stored thereon, which when executed by a processor, performs the steps of: acquiring a nuclear questionnaire in a policy; the core questionnaire comprises a plurality of initial questions and a plurality of sub-questions; extracting a selected option identifier input by a user based on each initial question and each sub-question; acquiring a sub-risk value corresponding to each selected option identifier; calculating according to the sub-risk values to obtain a comprehensive risk value of the nuclear questionnaire; and determining the type of the policy corresponding to the nuclear questionnaire according to the risk value interval in which the comprehensive risk value is located.
In one embodiment, the step of obtaining a core questionnaire in a policy is implemented when a computer program is executed by a processor, comprising the steps of: acquiring initial questions in a questionnaire tree, and generating an initial questionnaire according to the initial questions; acquiring a selected option identifier based on initial questionnaire input; judging whether a sub-problem corresponding to the selected option identifier exists in the questionnaire tree; when a sub-problem corresponding to the selected option identifier exists in the questionnaire tree, acquiring the sub-problem, and generating a new synthesized questionnaire containing the sub-problem; and acquiring a selected option identifier based on new synthesized questionnaire input, and returning to execute the step of judging whether the sub-questions corresponding to the selected option identifier exist in the questionnaire tree until the sub-questions corresponding to the selected option identifier do not exist in the questionnaire tree, so as to obtain the core questionnaire.
In one embodiment, the step of obtaining a sub-risk value corresponding to each selected option identity is implemented when the computer program is executed by a processor, comprising the steps of: determining a corresponding disease identifier according to each selected option identifier; searching for disease mortality of the disease population corresponding to each disease identifier; searching for standard mortality of standard crowd; and calculating a sub-risk value corresponding to the corresponding selected option identifier according to the standard mortality and each disease mortality.
In one embodiment, when the computer program is executed by the processor, before the step of determining the policy type corresponding to the core questionnaire according to the risk value interval in which the integrated risk value is located, the method further includes the following steps: respectively acquiring comprehensive risk values corresponding to a plurality of historical insurance policies; the history policy includes an underwriting policy and a refusing policy; for each group of historical policies having the same comprehensive risk value, counting a first number of policies determined to be underwriting and a second number of policies determined to be underwriting; and dividing the risk value interval according to the first number and the second number corresponding to the plurality of groups of history policies.
In one embodiment, the step of dividing the risk value interval according to the first number and the second number corresponding to the plurality of sets of history policies is implemented when the computer program is executed by the processor, comprising the steps of: acquiring a first threshold value and a second threshold value corresponding to an original interval; calculating a second classification value according to a first threshold value and a second threshold value corresponding to the original interval, and obtaining the minimum value of the sum of the first total number and the second total number through the second classification value; the second total number is the sum of the second numbers corresponding to the comprehensive risk values between the first threshold value and the second classification value, and the first total number is the sum of the first numbers corresponding to the comprehensive risk values between the second classification value and the second threshold value; and adjusting the first threshold value and the second threshold value according to the two classification values, and re-dividing the risk value interval according to the adjusted first threshold value and the adjusted second threshold value.
In one embodiment, the step of determining the policy type corresponding to the core questionnaire according to the risk value interval in which the integrated risk value is located, when the computer program is executed by the processor, includes the following steps: when the comprehensive risk value is in a risk value interval corresponding to the adjusted first threshold value, judging that the corresponding policy of the nuclear questionnaire is an underwriting policy; when the comprehensive risk value is in a risk value interval between the adjusted first threshold value and the adjusted second threshold value, judging that the corresponding policy of the nuclear questionnaire is a policy to be checked; and when the comprehensive risk value is in the risk value interval corresponding to the adjusted second threshold value, judging that the corresponding policy of the nuclear questionnaire is the refused policy.
Those skilled in the art will appreciate that implementing all or part of the above described methods may be accomplished by way of a computer program stored on a non-transitory computer readable storage medium, which when executed, may comprise the steps of the embodiments of the methods described above. Any reference to memory, storage, database, or other medium used in embodiments provided herein may include non-volatile and/or volatile memory. The nonvolatile memory can include Read Only Memory (ROM), programmable ROM (PROM), electrically Programmable ROM (EPROM), electrically Erasable Programmable ROM (EEPROM), or flash memory. Volatile memory can include Random Access Memory (RAM) or external cache memory. By way of illustration and not limitation, RAM is available in a variety of forms such as Static RAM (SRAM), dynamic RAM (DRAM), synchronous DRAM (SDRAM), double Data Rate SDRAM (DDRSDRAM), enhanced SDRAM (ESDRAM), synchronous link (SYNCHLINK) DRAM (SLDRAM), memory bus (Rambus) direct RAM (RDRAM), direct memory bus dynamic RAM (DRDRAM), and memory bus dynamic RAM (RDRAM), among others.
The technical features of the above embodiments may be arbitrarily combined, and all possible combinations of the technical features in the above embodiments are not described for brevity of description, however, as long as there is no contradiction between the combinations of the technical features, they should be considered as the scope of the description.
The above examples illustrate only a few embodiments of the application, which are described in detail and are not to be construed as limiting the scope of the application. It should be noted that it will be apparent to those skilled in the art that several variations and modifications can be made without departing from the spirit of the application, which are all within the scope of the application. Accordingly, the scope of protection of the present application is to be determined by the appended claims.
Claims (8)
1. A method of questionnaire data processing, the method comprising:
Acquiring a nuclear questionnaire in a policy; the core questionnaire comprises a plurality of initial questions and a plurality of sub-questions, wherein the sub-questions in the core questionnaire are more refined questions which are obtained and displayed according to options of corresponding initial questions or initial questions by answering the initial questions according to users;
Extracting a selected option identifier input by a user based on each initial question and each sub-question;
acquiring a sub-risk value corresponding to each selected option identifier;
Calculating according to the sub-risk values to obtain the comprehensive risk value of the nuclear questionnaire;
Respectively acquiring comprehensive risk values corresponding to a plurality of historical insurance policies; the history policy comprises an underwriting policy and a refusing policy; for each group of historical policies having the same comprehensive risk value, counting a first number of policies determined to be underwriting and a second number of policies determined to be underwriting; dividing risk value intervals according to a first number and a second number corresponding to a plurality of groups of history policies, wherein the risk value intervals comprise: acquiring a first threshold value and a second threshold value corresponding to an original interval; calculating a second classification value according to a first threshold value and a second threshold value corresponding to the original interval, and obtaining the minimum value of the sum of the first total number and the second total number through the second classification value; the second total number is the sum of the second numbers corresponding to the comprehensive risk values from the first threshold value to the second threshold value, and the first total number is the sum of the first numbers corresponding to the comprehensive risk values from the second threshold value to the second threshold value; the first threshold value and the second threshold value are adjusted according to the classification value, risk value intervals are divided again according to the adjusted first threshold value and the adjusted second threshold value, the first threshold value and the second threshold value of an original interval are adjusted through policy risk distribution of an underwriting policy and a refusing policy, and the risk value interval corresponding to the policy needing to be manually checked is reduced through the adjustment of the original interval;
Determining the policy type corresponding to the nuclear questionnaire according to the risk value interval in which the comprehensive risk value of the nuclear questionnaire is located, including: when the comprehensive risk value is in a risk value interval corresponding to the adjusted first threshold value, judging that the corresponding policy of the nuclear questionnaire is an underwriting policy; when the comprehensive risk value is in a risk value interval between the adjusted first threshold value and the adjusted second threshold value, judging that the corresponding policy of the nuclear questionnaire is a policy to be checked; and when the comprehensive risk value is in a risk value interval corresponding to the adjusted second threshold value, judging that the corresponding policy of the nuclear questionnaire is a refused policy.
2. The method of claim 1, wherein the acquiring the core questionnaire in the policy comprises:
acquiring initial questions in a questionnaire tree, and generating an initial questionnaire according to the initial questions;
acquiring a selected option identifier based on the initial questionnaire input;
Judging whether a sub-problem corresponding to the selected option identifier exists in the questionnaire tree;
when a sub-question corresponding to the selected option identifier exists in the questionnaire tree, acquiring the sub-question, and generating a new synthesized questionnaire containing the sub-question;
And acquiring a selected option identifier based on new synthesized questionnaire input, and returning to the step of executing the step of judging whether the sub-problem corresponding to the selected option identifier exists in the questionnaire tree until the sub-problem corresponding to the selected option identifier does not exist in the questionnaire tree, so as to obtain the core questionnaire.
3. The method of claim 1, wherein the obtaining a sub-risk value corresponding to each selected option identifier comprises:
Determining a corresponding disease identifier according to each selected option identifier;
searching for disease mortality of the disease population corresponding to each disease identifier;
Searching for standard mortality of standard crowd;
And calculating a sub-risk value corresponding to the corresponding selected option identifier according to the standard mortality and each disease mortality.
4. The method of claim 1, wherein said adjusting the first and second thresholds according to the classification value comprises:
and when the classification value is smaller than or equal to a preset value, adjusting the second threshold value, and when the classification value is larger than the preset value, adjusting the first threshold value, wherein the preset value is the intermediate value between the first threshold value and the second threshold value.
5. A questionnaire data processing device, the device comprising:
The acquisition module is used for acquiring the nuclear questionnaire in the policy; the core questionnaire comprises a plurality of initial questions and a plurality of sub-questions, wherein the sub-questions in the core questionnaire are more refined questions which are obtained and displayed according to options of corresponding initial questions or initial questions by answering the initial questions according to users;
The extraction module is used for extracting the selected option identification input by the user based on each initial question and each sub-question;
the computing module is used for acquiring a sub-risk value corresponding to each selected option identifier; calculating to obtain a comprehensive risk value of the nuclear questionnaire according to the sub-risk value;
The determining module is used for respectively acquiring comprehensive risk values corresponding to the plurality of historical insurance policies; the history policy comprises an underwriting policy and a refusing policy; for each group of historical policies having the same comprehensive risk value, counting a first number of policies determined to be underwriting and a second number of policies determined to be underwriting; dividing risk value intervals according to a first number and a second number corresponding to a plurality of groups of history policies, wherein the risk value intervals comprise: acquiring a first threshold value and a second threshold value corresponding to an original interval; calculating a second classification value according to a first threshold value and a second threshold value corresponding to the original interval, and obtaining the minimum value of the sum of the first total number and the second total number through the second classification value; the second total number is the sum of the second numbers corresponding to the comprehensive risk values from the first threshold value to the second threshold value, and the first total number is the sum of the first numbers corresponding to the comprehensive risk values from the second threshold value to the second threshold value; the first threshold value and the second threshold value are adjusted according to the classification value, risk value intervals are divided again according to the adjusted first threshold value and the adjusted second threshold value, the first threshold value and the second threshold value of an original interval are adjusted through policy risk distribution of an underwriting policy and a refusing policy, and the risk value interval corresponding to the policy needing to be manually checked is reduced through the adjustment of the original interval; determining the policy type corresponding to the nuclear questionnaire according to the risk value interval in which the comprehensive risk value of the nuclear questionnaire is located, including: when the comprehensive risk value is in a risk value interval corresponding to the adjusted first threshold value, judging that the corresponding policy of the nuclear questionnaire is an underwriting policy; when the comprehensive risk value is in a risk value interval between the adjusted first threshold value and the adjusted second threshold value, judging that the corresponding policy of the nuclear questionnaire is a policy to be checked; and when the comprehensive risk value is in a risk value interval corresponding to the adjusted second threshold value, judging that the corresponding policy of the nuclear questionnaire is a refused policy.
6. The apparatus of claim 5, wherein the obtaining module is further configured to obtain an initial question in a questionnaire tree, and generate an initial questionnaire according to the initial question; acquiring a selected option identifier based on the initial questionnaire input; judging whether a sub-problem corresponding to the selected option identifier exists in the questionnaire tree; when a sub-question corresponding to the selected option identifier exists in the questionnaire tree, acquiring the sub-question, and generating a new synthesized questionnaire containing the sub-question; and acquiring a selected option identifier based on new synthesized questionnaire input, and returning to the step of executing the step of judging whether the sub-problem corresponding to the selected option identifier exists in the questionnaire tree until the sub-problem corresponding to the selected option identifier does not exist in the questionnaire tree, so as to obtain the core questionnaire.
7. A computer device comprising a memory and a processor, the memory storing a computer program, characterized in that the processor implements the steps of the method of any of claims 1 to 4 when the computer program is executed.
8. A computer readable storage medium, on which a computer program is stored, characterized in that the computer program, when being executed by a processor, implements the steps of the method of any of claims 1 to 4.
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