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Weather index insurance calculation method, electronic device and computer-readable storage medium

A calculation method and index technology, applied in the field of travel insurance measurement, can solve problems such as inability to meet pricing requirements, practical difficulties in the number of tourists, and differences in the number of tourists

Inactive Publication Date: 2018-11-06
SHENZHEN BANNUO COMP SYST CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

However, most of the existing weather index insurance applications in the tourism industry are relatively simple in design. Although consumers are easy to understand, they currently lack effective applications. Or the probability distribution function of monthly meteorological elements cannot meet the actual insurance pricing needs; (2) There are great differences in the number of tourists in different scenic spots in different time periods, and it is extremely difficult to obtain the number of tourists in all scenic spots; (3) For In the itinerary booking mode, tourists will arrange several days of travel in different regions, which requires global insurance coverage

Method used

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  • Weather index insurance calculation method, electronic device and computer-readable storage medium
  • Weather index insurance calculation method, electronic device and computer-readable storage medium
  • Weather index insurance calculation method, electronic device and computer-readable storage medium

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0049] refer to figure 1 As shown, the first embodiment of the present invention proposes an electronic device 2 . The electronic device 2 includes a memory 20 , a processor 22 and a weather index insurance calculation program 28 .

[0050] Wherein, the memory 20 includes at least one type of readable storage medium for storing the operating system installed in the electronic device 2 and various application software, such as the program code of the weather index insurance calculation program 28 and the like. In addition, the memory 20 can also be used to temporarily store various types of data that have been output or will be output.

[0051] The processor 22 may be a central processing unit (Central Processing Unit, CPU), controller, microcontroller, microprocessor, or other data processing chips in some embodiments. The processor 22 is generally used to control the overall operation of the electronic device 2 . In this embodiment, the processor 22 is configured to run pr...

Embodiment 2

[0060] refer to figure 2 As shown, the second embodiment of the present invention proposes a weather index insurance calculation method, which is applied to the electronic device 2 . In this embodiment, according to different requirements, figure 2 The order of execution of the steps in the flowcharts shown may be changed, and certain steps may be omitted. The method includes the following steps:

[0061] S20, calculating the optimal segmented time window of all types of meteorological elements in each scenic spot.

[0062] Specifically, modeling is carried out for the itinerary booking scenario of multiple scenic spots, and the probability distribution PDF (Probability Density Function, probability density model) function of bad weather occurring in any time period of each scenic spot is calculated. Given n scenic spots (or scenic spots, cities), there are K types of bad weather (meteorological elements) that affect tourism, and any number of t From the first day to the...

Embodiment 3

[0072] Such as image 3 As shown, the third embodiment of the present invention proposes a weather index insurance calculation method. In the third embodiment, step S20 of the second embodiment specifically includes the following steps:

[0073] S200. Construct an initial sample according to a preset initial daily scale.

[0074] Specifically, for different scenic spots i, the same meteorological elements will be very different in different months of the year, for example, it is rainy in a certain scenic spot from May to July, but less rainy in other months. Therefore, first of all, it is necessary to segment the daily observation data of the meteorological station i in the scenic spot according to the time-sharing method, that is, to calculate the optimal segmented time window. For example, in this embodiment, the preset initial daily scale T=15 days, and a total of Y years is the annual length of all samples.

[0075] First, for the meteorological element k, construct the...

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Abstract

The invention discloses a weather index insurance calculation method. The method comprises: calculating an optimal segmentation time window of all types of meteorological elements of each scenic spot;calculating an optimal probability distribution function of different segmentation times of all the types of meteorological elements of each scenic spot according to the optimal segmentation time window; calculating a dynamic tourist quantity weight of any future time period of each scenic spot; and calculating a tour weather index insurance pure-premium rate according to tour orders, the optimalprobability distribution function and the dynamic tourist quantity weight. The embodiment of the invention also discloses an electronic device and a computer-readable storage medium. Therefore, weather index insurance calculation under a multi-scenic-spot travel tour scene can be realized, pricing is accurate, and the multiple types of meteorological elements are supported.

Description

technical field [0001] The invention relates to the technical field of travel insurance measurement and calculation, in particular to a weather index insurance calculation method, an electronic device and a computer-readable storage medium. Background technique [0002] The concept of weather index insurance (or weather index insurance) first appeared in the late 1990s. It refers to the indexation of one or several climatic factors (such as temperature, rainfall, wind speed, etc.) There are corresponding crop yields and profits and losses, and insurance contracts are based on this meteorological index. When the index reaches a certain level, it is considered that the trigger condition has been met. Regardless of whether the policyholder is affected by a disaster, the insurance company will pay the corresponding insurance premium to the policyholder according to the meteorological factor index. Weather index insurance pays according to actual weather events. Since the benefi...

Claims

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Application Information

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IPC IPC(8): G06Q40/08G06Q50/14
CPCG06Q40/08G06Q50/14
Inventor 喻炜谭永志刘文龙
Owner SHENZHEN BANNUO COMP SYST CO LTD
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