Serious disease insurance product scoring method and device based on factorization rule

A factoring and product technology, applied in the insurance field, can solve the problems of difficult choice for consumers, large amount of information, complex responsibilities, etc., and achieve the effect of intuitive product scoring

Pending Publication Date: 2020-09-11
世纪保众(北京)网络科技有限公司
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Problems solved by technology

[0002] At present, there are various types of critical illness insurance products on the market, a large amount of information, and complex responsibilities, making it difficult for consumers to choose. Moreover, the existing technology has not combined the unique characteristics of critical illness insurance products in the insurance field, comprehensively underwriting information, conditions, Comprehensive evaluation of multiple factors such as rates

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  • Serious disease insurance product scoring method and device based on factorization rule
  • Serious disease insurance product scoring method and device based on factorization rule
  • Serious disease insurance product scoring method and device based on factorization rule

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Embodiment Construction

[0024] In order to make the content of the present invention clearer and easier to understand, the content of the present invention will be described in detail below in conjunction with specific embodiments and accompanying drawings.

[0025] The present invention aims to form a set of factorized rule evaluation methods for critical illness insurance products based on the characteristics of different factors in different dimensions, to comprehensively evaluate critical illness insurance products from multiple angles, and to score each product. Specifically, the present invention analyzes the main features and dimensions of critical illness insurance products, determines the key scoring factors under each dimension, quantifies the scoring factors, and assigns weights to each scoring factor under each dimension, and the weight of each dimension in each dimension. The weight in the product scoring model, the comprehensive calculation of dimension scores and the final product score...

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Abstract

The invention provides a serious disease risk product scoring method and device based on factorization rules. The serious disease risk product scoring method based on the factorization rule comprisesthe following steps: a product dimension division step: dividing a scoring factor into three dimensions according to the characteristics of a serious disease risk product; a refining step: refining the scoring factor of each dimension; a factor quantification step: quantifying the scoring factor; a weighting step: endowing factor weights to the quantized scoring factors; a scoring step: calculating the score of each dimension; a dimension weighting step: endowing the score of each dimension with a weight; and a calculation step: calculating product scores, wherein weighted summation is carriedout on the scores of the three dimensions to obtain the product scores.

Description

technical field [0001] The invention relates to the field of insurance, in particular to a scoring method and device for critical illness insurance products based on factorization rules. Background technique [0002] At present, there are various types of critical illness insurance products on the market, a large amount of information, and complex responsibilities, which make it difficult for consumers to choose. Moreover, the existing technology has not combined the unique characteristics of critical illness insurance products in the insurance field to comprehensively underwrite information, conditions, A comprehensive evaluation of various factors such as rates. Therefore, how to synthesize the details of each critical illness insurance in each dimension and provide consumers with an objective evaluation is of great practical value. Contents of the invention [0003] The technical problem to be solved by the present invention is to provide a method and device for scorin...

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Application Information

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IPC IPC(8): G06Q40/08
CPCG06Q40/08
Inventor 杨喆徐铮田立文裴晋
Owner 世纪保众(北京)网络科技有限公司
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