Underwriting method and device, electronic device and storage medium

Abstract

The invention provides an underwriting method and device, an electronic device and a storage medium. The underwriting method comprises the following steps of obtaining an attribute of a to-be-underwritten insurance policy; matching an underwriting rule set name from the underwriting rule set names of a plurality of underwriting rule sets according to the attribute of the to-be-underwritten insurance policy, and dividing each underwriting rule set according to a determined finite-state machine algorithm; determining at least one underwriting route according to the matched underwriting rule setname; calling a program of an underwriting rule set on the underwriting route according to the determined underwriting route to perform underwriting on the to-be-underwritten policy to obtain an underwriting result of the underwriting route; and obtaining an underwriting result of the to-be-underwritten policy in combination with the underwriting result of the at least one underwriting route. According to the present invention, the efficient underwriting is achieved.

Description

technical field [0001] The present invention relates to the field of computer application technology, in particular to an underwriting method, device, electronic equipment, and storage medium. Background technique [0002] Now the underwriting rules of each insurance policy are stored in the database, and all the underwriting rules are bound to the insurance type. In the current system, the insurance type code TY can represent the general rules of all insurance types, such as the insured’s age, occupation, etc. There will be special underwriting requirements for insurance types in the future. For the underwriting of all insurance policies, it is necessary to find the product information corresponding to the policy, find the corresponding insurance type information through the product information, and judge whether the insurance policy can pass the underwriting by checking the underwriting rules of the insurance type. Table 1 and Table 2 are the tables of the database used ...

AI Technical Summary

Problems solved by technology

Such a rule will save many items in the database, which will lead to a lot of duplicate data in the database

[0019] 5) The local underwriting rules and insurance underwriting rules are stored in one table, because the local underwriting rules keep changing, while the underwriting rules for product insurance types are very stable, which leads to constant changes in the underwriting table, and the overall system is not stable. too stable

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