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Insurance product pricing method and device, terminal device and storage medium

A pricing and product technology, applied in the field of financial services, can solve the problems of inability to flexibly price, reduce the practicability and flexibility of insurance products, etc., to achieve the effect of improving the success rate of recommendation, flexible pricing, and improving the success rate

Pending Publication Date: 2018-10-09
ONE CONNECT SMART TECH CO LTD SHENZHEN
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0003] The embodiment of the present invention provides a pricing method, device, terminal equipment, and storage medium for insurance products, so as to solve the problem that current insurance products are standardized and cannot be flexibly priced according to user conditions, thereby reducing the practicality and flexibility of insurance products.

Method used

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  • Insurance product pricing method and device, terminal device and storage medium
  • Insurance product pricing method and device, terminal device and storage medium
  • Insurance product pricing method and device, terminal device and storage medium

Examples

Experimental program
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Embodiment 1

[0030] see figure 1 , figure 1 The implementation flow of the insurance product pricing method provided by this embodiment is shown. The pricing method of insurance products is applied in the process of pricing insurance products to achieve flexible pricing of insurance products combined with user data, improve the intelligence of insurance product pricing, and also improve the success rate of insurance for users. The details are as follows:

[0031] S1: Acquire preset n impact factors of the insurance product to be priced, where n is a positive integer.

[0032] In the embodiment of the present invention, n impact factors corresponding to preset insurance products to be priced are acquired, and the impact factors refer to factors that affect the pricing of insurance products.

[0033] It should be noted that the impact factors are obtained through manual analysis based on specific insurance products. For example, the impact factors of critical illness insurance may include...

Embodiment 2

[0114] Corresponding to the pricing method of the insurance product in embodiment 1, Figure 5 The insurance product pricing device corresponding to the insurance product pricing method provided in Embodiment 1 is shown. For the convenience of description, only the parts related to the embodiment of the present invention are shown.

[0115] Such as Figure 5 As shown, the pricing device includes: an impact factor acquisition module 51 , a combination module 52 , a valid data acquisition module 53 , a first calculation module 54 , a second calculation module 55 , and a pricing calculation module 56 . The detailed description of each functional module is as follows:

[0116] The impact factor acquisition module 51 is used to acquire n impact factors preset by the insurance product to be priced, where n is a positive integer;

[0117] The combination module 52 is used to combine n influencing factors to obtain k combinations, and obtain the preset weight value of each combinati...

Embodiment 3

[0143] This embodiment provides a computer-readable storage medium, and a computer program is stored on the computer-readable storage medium, and when the computer program is executed by a processor, the pricing method of the insurance product in Embodiment 1 is implemented, or, the computer program is executed by the processor During execution, the functions of each module in the insurance product pricing device in Embodiment 2 are realized. To avoid repetition, details are not repeated here.

[0144] It can be understood that the computer-readable storage medium may include: any entity or device capable of carrying the computer program code, recording medium, U disk, mobile hard disk, magnetic disk, optical disk, computer memory, read-only memory (Read- Only Memory, ROM), random access memory (Random Access Memory, RAM), electric carrier signal and telecommunication signal, etc.

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Abstract

The invention relates to the technical field of financial services, and provides an insurance product pricing method and device, a terminal device and a storage medium. The pricing method comprises the steps that n preset influence factors of an insurance product to be priced are acquired; n influence factors are combined to acquire k kinds of combination modes, and the preset weight value of eachcombination mode is acquired; valid user data are acquired from m preset data source types; for each combination mode, according to m data sources and the valid user data, the factor correlation score corresponding to the combination mode is calculated; k factor correlation scores are weighted according to the preset weight value of each combination mode, so as to acquire the price adjustment coefficient of the insurance product to be priced; and finally, according to the price adjustment coefficient and the preset base price of the insurance product, a pricing result is calculated. Accordingto the technical scheme of the invention, the price of the insurance product to be priced is flexibly priced, and the rationality of insurance product pricing and the insurance success rate of a userare improved.

Description

technical field [0001] The present invention relates to the technical field of financial services, in particular to a pricing method, device, terminal equipment and storage medium for insurance products. Background technique [0002] At present, due to the large variety of insurance products, the pricing of each insurance product is standardized. When pricing the insurance products to be priced, it is impossible to flexibly adjust the pricing according to the usage of historical users, resulting in unreasonable pricing results and resulting in insurance products. The sales success rate of the company decreased, thereby reducing the number of insured users. Contents of the invention [0003] Embodiments of the present invention provide a pricing method, device, terminal equipment, and storage medium for insurance products to solve the problem that current insurance products are standardized and cannot be flexibly priced according to user conditions, thereby reducing the pra...

Claims

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Application Information

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IPC IPC(8): G06Q40/08
CPCG06Q40/08
Inventor 王强
Owner ONE CONNECT SMART TECH CO LTD SHENZHEN
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