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Data processing method and apparatus

A data processing device and data processing technology, applied in the field of communication, can solve the problems of low insurance rate accuracy, low flexibility, dynamic adjustment of insurance rate, etc., so as to improve the rationality, accuracy and flexibility. Effect

Active Publication Date: 2016-12-07
TENCENT TECH (SHENZHEN) CO LTD
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  • Description
  • Claims
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AI Technical Summary

Problems solved by technology

[0003] In the process of research and practice of the prior art, the inventor of the present invention found that due to flights, high-speed rail, etc., the probability of flight delays is sometimes high and sometimes low, but the insurance rate is fixed, that is, the insurance for purchasing this insurance The premium rate is the same, so it is impossible to dynamically adjust the insurance premium rate according to the actual situation, and the flexibility is not high. Relatively speaking, the accuracy of the insurance premium rate obtained is also low

Method used

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  • Data processing method and apparatus
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Examples

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no. 1 example

[0031] see figure 1 , figure 1 is a schematic flowchart of the data processing method provided in the first embodiment of the present invention. The methods include:

[0032] In step S101, an instruction triggered by a user indicating data input is received.

[0033] In step S102, a preset input control is called according to the instruction.

[0034] In step S103, using the called input control, correspondingly acquire applicant parameters and environmental factors.

[0035] In step S104, the corresponding traffic delay insurance premium rate is determined according to a preset algorithm according to the policyholder parameters and environmental factors.

[0036] Wherein, the steps S101 to S104 may specifically be:

[0037] The data processing method is based on running on the server, and the server generates the corresponding traffic delay insurance premium rate according to some objective data such as acquired parameters of the insured person and environmental factors,...

no. 2 example

[0043] see figure 2 , figure 2 It is a schematic flowchart of the data processing method provided in the second embodiment of the present invention. Wherein, the data processing method is based on running on a server, and the server generates the corresponding traffic delay insurance premium rate based on some objective data such as acquired parameters of the insured person and environmental factors, that is, based on actual conditions (such as airplane flights, high-speed rail car shifts, etc.) ) to dynamically adjust the appropriate rate of traffic delay insurance, which can relatively improve the rationality of traffic delay insurance.

[0044] Different from the first embodiment, this embodiment mainly explains in detail the process of determining the corresponding traffic delay insurance premium rate and determining the compensation amount according to the preset algorithm according to the policyholder parameters and environmental factors. The methods include:

[004...

no. 3 example

[0065] Different from the second embodiment, this embodiment mainly describes in detail the calculation process of determining the corresponding traffic delay insurance premium rate according to the preset algorithm according to the applicant parameters and environmental factors.

[0066] In the embodiment of the present invention, the calculation formula of traffic delay insurance rate (may be referred to as insurance rate) can be abstracted as follows:

[0067] Insurance rate=100%+a*weather condition coefficient+b*airport (station) condition coefficient+c*(1-historical delay rate)+d*personal credit coefficient+e*insurance time coefficient+f*other coefficients

[0068] Among them, a, b, c, d, e, f are all weight values, and their value range is [0,+∞). The weight value is used to adjust the proportion of each coefficient; it is easy to imagine that in the actual use process, the weight value can be adjusted and set to highlight or weaken the corresponding influencing factors,...

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Abstract

The invention discloses a data processing method and an apparatus, wherein the method comprises the following steps: receiving a user-instructed instruction for data input; according to a command, retrieving a preset input control; using the retrieved input control to correspondingly obtain parameters of the insured and environmental factors; determining the corresponding traffic delay insurance rate according to a preset algorithm based on the parameters of the insured and environmental factors; and according to the determined traffic delay insurance rate, determining the amount of compensation. According to the embodiment of the invention, an appropriate traffic delay insurance rate can be dynamically adjusted based on the actual situations. Compared with the existing method with a fixed insurance rate, this has more flexibility and relatively improves the rationality and the accuracy of the traffic delay insurance.

Description

technical field [0001] The invention belongs to the technical field of communication, and in particular relates to a data processing method and device. Background technique [0002] With the rapid development of Internet technology, people's daily life is becoming more and more enriched, and at the same time, it is more and more protected. For example, currently people travel through various means of transportation (such as airplanes, high-speed rail, and bullet trains). If they cannot reach their destination on time, the traffic delay insurance will take effect to protect people's interests; among them, the traffic delay insurance refers to the policyholder (passenger) Arrival on time means of transport delay insurance contract stipulates that the insurance premium shall be paid to the insurer (insurance company), and when the delay of means of transport stipulated in the contract occurs, the insurer (insurance company) shall pay the insurance money according to the contrac...

Claims

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Application Information

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IPC IPC(8): G06Q40/08
Inventor 廖晶顾晓立
Owner TENCENT TECH (SHENZHEN) CO LTD
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