Calculation method and device for insurance premium traceability correction
A computing method and computing device technology, applied in computing, instruments, finance, etc., can solve the problems of manual verification, low computing efficiency, inaccuracy, etc., and achieve the effect of improving efficiency and accurate computing
Inactive Publication Date: 2017-11-03
PING AN TECH (SHENZHEN) CO LTD
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Problems solved by technology
Sometimes the modification of the policy needs to be retrospectively corrected at the past point in time. The traditional retroactive correction calculation of premium is often only based on the premium before the retrospective time point to calculate the corresponding premium change. There are other changes to premiums, so the results of traditional retrospective revision premium calculations are often inaccurate and require manual checking and modification, resulting in low calculation efficiency
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[0023] In order to make the object, technical solution and advantages of the present invention clearer, the present invention will be further described in detail below in conjunction with the accompanying drawings and embodiments. It should be understood that the specific embodiments described here are only used to explain the present invention, not to limit the present invention.
[0024] like figure 1 As shown, in one embodiment, a calculation method for retrospective modification of insurance premiums is proposed, the method includes the following steps:
[0025] Step 102, acquire the time period of premium to be changed.
[0026] Specifically, the retroactive starting point and end point of the premium to be changed are obtained, and the time period of the premium to be changed is determined according to the retroactive starting point and end point, and the time period of the premium to be changed is the line segment between the retroactive starting point and the ending p...
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The invention puts forward a calculation method for insurance premium traceability correction. The method comprises the following steps that: obtaining the time period of an insurance premium to be changed; obtaining a correction node contained in the time period; according to the correction node in the time period, dividing the time period into a plurality of sub time periods; independently calculating an insurance premium change corresponding to each sub time period; and according to the insurance premium change which is obtained by calculation and corresponds to each sub time period, determining the insurance premium change corresponding to the time period. The insurance premium change corresponding to each correction node is recorded, i.e., the insurance premium after a traceability time point is subjected to piecewise calculation according to the correction node, the accurate calculation of the traceability correction insurance premium is realized, meanwhile, a whole process does not need artificial calculation, and calculation efficiency is improved. In addition, the invention also puts forward a calculation device for the insurance premium traceability correction.
Description
technical field [0001] The invention relates to the field of insurance information processing, in particular to a calculation method and device for retroactive correction of insurance premiums. Background technique [0002] With the development of the insurance business, more and more people start to buy insurance. When applying for insurance, the policyholder needs to pay the premium, and in the life cycle of the policy, the policyholder can change the amount of premium payment according to the need, that is, the policy can be changed. Premiums are subject to modification. Sometimes the modification of the policy needs to be retrospectively corrected at the past point in time. The traditional retrospective correction calculation of premium is often only based on the premium before the retrospective time point to calculate the corresponding premium change. There are other changes to premiums, so the results of traditional retroactive premium calculations are often inaccurat...
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IPC IPC(8): G06Q40/08
CPCG06Q40/08
Inventor 辛朋肖泉海毕坚程春霞
Owner PING AN TECH (SHENZHEN) CO LTD