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
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Example Embodiment
[0029] Example 1
[0030] See figure 1 , figure 1 The implementation process of the pricing method of insurance products provided in this embodiment is shown. The pricing method of insurance products is applied in the process of pricing insurance products to realize flexible pricing of insurance products in combination with user data, increase the degree of intelligence in insurance product pricing, and increase the success rate of users in insurance. The details are as follows:
[0031] S1: Obtain n preset impact factors of the insurance product to be priced, where n is a positive integer.
[0032] In the embodiment of the present invention, n influencing factors corresponding to the preset insurance product to be priced are acquired, and the influencing factor refers to a factor that affects the pricing of the insurance product.
[0033] It should be noted that the impact factor is obtained by manual analysis based on specific insurance products. For example, the impact factor of m...
Example Embodiment
[0113] Example 2
[0114] Corresponding to the pricing method of insurance products in Example 1, Figure 5 The insurance product pricing device corresponding to the insurance product pricing method provided in Embodiment 1 is shown. For ease 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, an effective 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 obtaining module 51 is used to obtain n preset impact factors of the insurance product to be priced, where n is a positive integer;
[0117] The combination module 52 is used to combine n influence factors to obtain k combination modes, and obtain the preset weight value of each combination mode, ...
Example Embodiment
[0142] Example 3
[0143] This embodiment provides a computer-readable storage medium on which a computer program is stored. When the computer program is executed by a processor, the method for pricing insurance products in Embodiment 1 is implemented, or the computer program is executed by the processor. When executed, the function of each module in the pricing device of insurance products in the second embodiment is realized. To avoid repetition, I won’t repeat them here.
[0144] Understandably, 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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