Assessment method, device and system, electronic equipment and storage medium

Abstract

The invention relates to the technical field of data processing, in particular to an assessment method, device and system, electronic equipment and a storage medium, and the method comprises the steps: obtaining insurance policy data from an insurance policy system every preset duration; calculating an assessment point of each insurance policy according to the insurance policy data; according to the accumulated assessment points of all the insurance policies in the current month and the initial point of the channel in the current month, calculating total channel assessment points in the current month; and the channel grade is matched according to the total evaluation point of the channel in the current month, the incentive commission rate is determined according to the channel grade, the incentive commission rate is sent to the fund subsystem, and the fund subsystem calculates the incentive commission required to be issued in the current month according to the incentive commission rate and the insurance premium of all the insurance policies in the current month. Therefore, the problems of high calculation cost, high labor cost, low working efficiency and the like due to the fact that commission calculation for assessment of cooperation channels is performed by offline workers in related technologies are solved.

Description

Technical Field

[0001] The present application relates to the field of data processing technology, and in particular to an assessment method, device, system, electronic device and storage medium. Background Art

[0002] In the relevant technology, the calculation of insurance commission involves the influence of different factors such as insurance type, underwriting time, and user cancellation. The method of calculating commissions is inconsistent for each company, and the method of evaluating cooperative channels can only promote channels from the perspective of premiums. The evaluation method is single and cannot better incentivize channels to sell the main products and sales areas. In addition, the calculation of incentive commissions is a completely offline process, that is, large-scale commission calculations are performed at fixed times. This commission calculation model is not only time-consuming, but also prone to calculation errors. It requires manual offline verification, which increases labor costs, low work efficiency, and is not conducive to retaining high-quality channels. Summary of the invention

[0003] The present application provides an assessment method, device, system, electronic device and storage medium to solve the problems in related technologies that the commission calculation of cooperative channel assessment is performed by offline staff, resulting in high calculation cost, high labor cost and low work efficiency.

[0004] The first aspect of the present application provides an assessment method, which is applied to a cloud service subsystem, wherein the method includes the following steps: obtaining policy data from a policy system at preset time intervals; calculating the assessment points of each policy based on the policy data; calculating the total assessment points of the channel for the month based on the accumulated assessment points of all policies for the month and the initial points of the channel for the month; matching the channel level based on the total assessment points of the channel for the month, determining an incentive commission rate based on the channel level, and sending the incentive commission rate to a funding subsystem, wherein the funding subsystem calculates the incentive commission required to be paid for the month based on the incentive commission rate and the premiums of all policies for the month.

[0005] Preferably, before calculating the assessment points of each policy based on the policy data, it includes: determining the policy type based on the policy data, wherein the policy types include new policies and preservation policies; matching corresponding integral factors according to the policy type, and calculating the issuance points of the current policy based on the integral factors.

[0006] Preferably, the issuance points of the current policy are calculated based on the point factor, wherein the calculation formula for the issuance points of the current policy is: (premium / 1W*1)*product coefficient*(0.8+regional coefficient); wherein the product coefficient is the policy recommendation coefficient, and the regional coefficient is the coefficient corresponding to the matching result of the main and alternative sales provinces of the channel and the business location of the new policy.

[0007] Preferably, after calculating the issuance points of the current policy based on the policy premium, product coefficient and regional coefficient, it includes: judging whether the channel corresponding to the current policy participates in the assessment; if the channel corresponding to the current policy participates in the assessment, the assessment points of the current policy are the issuance points, otherwise the assessment points of the current policy are 0.

[0008] Preferably, before calculating the total assessment points for the month based on the accumulated assessment points of all insurance policies for the month and the initial points of the channel for the month, it includes: detecting whether the current time meets the preset time; if the current time meets the preset time, obtaining the accumulated assessment points of all insurance policies for the month and the initial points of the channel for the month, wherein the initial points of the channel for the month are determined based on the mapping relationship between the channel level of the previous month and the initial points of the channel for the month.

[0009] Preferably, after matching the channel level according to the total score of the channel assessment for the current month, it includes: judging whether the channel level of the previous month and the channel level of the current month are consistent, and if they are inconsistent, sending the changed channel level and corresponding channel information to the business system mailbox.

[0010] A second aspect of the present application provides an assessment device, which is applied to a cloud service subsystem, wherein the device includes: an acquisition module, which is used to obtain policy data from the policy system at preset time intervals; a first calculation module, which is used to calculate the assessment points of each policy based on the policy data; a second calculation module, which is used to calculate the total assessment points of the channel for the month based on the accumulated assessment points of all policies for the month and the initial points of the channel for the month; a matching module, which is used to match the channel level according to the total assessment points of the channel for the month, and determine the incentive commission rate according to the channel level, and send the incentive commission rate to the funding system, wherein the funding system calculates the incentive commission required to be paid for the month based on the incentive commission rate and the premiums of all policies for the month.

[0011] The third aspect of the present application provides an assessment system, which includes: a policy subsystem, which includes a policy data module for maintaining all policy data sold by the cloud service subsystem; a cloud service subsystem, which includes a channel management module and a product management module, wherein the channel management module is used to maintain all channel data of the cloud service subsystem, and the product management module is used to maintain product data sold by the cloud service subsystem; a capital subsystem, which is used to calculate and distribute commissions for all salesmen in the current month.

[0012] The fourth aspect of the present application provides an electronic device, comprising: a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor executes the program to implement the assessment method as described in the above embodiment.

[0013] The fifth aspect of the present application provides a computer-readable storage medium on which a computer program is stored. The program is executed by a processor to implement the assessment method as described in the above embodiment.

[0014] Beneficial effects of the embodiments of the present application:

[0015] The embodiment of the present application calculates the assessment points of each insurance policy based on the obtained insurance policy data and accumulates them to the initial points of the channel for that month to calculate the total assessment points of the channel for that month. The channel level is matched according to the total assessment points of the channel for that month to determine the incentive commission rate, so that the capital subsystem can calculate the required commission based on the incentive commission rate and the premiums of all insurance policies for that month. The channels are assessed by multiple factors, and the calculation method is more scientific. The channel's incentive commission for the previous month is automatically calculated at a fixed time every month and sent to the channel in a timely manner, which reduces the error rate of offline manual commission calculation and commission supplement, and improves work efficiency.

[0016] Additional aspects and advantages of the present application will be given in part in the description below, and in part will become apparent from the description below, or will be learned through the practice of the present application. BRIEF DESCRIPTION OF THE DRAWINGS

[0017] The above and / or additional aspects and advantages of the present application will become apparent and easily understood from the following description of the embodiments in conjunction with the accompanying drawings, in which:

[0018] Figure 1 A flowchart of an assessment method provided according to an embodiment of the present application;

[0019] Figure 2 A flowchart of an assessment channel algorithm provided according to an embodiment of the present application;

[0020] Figure 3 A schematic diagram of an assessment device provided according to an embodiment of the present application;

[0021] Figure 4 A schematic diagram of an assessment system provided according to an embodiment of the present application;

[0022] Figure 5 A schematic diagram of each module in the assessment system provided according to an embodiment of the present application;

[0023] Figure 6 A schematic diagram of a subsystem in an assessment system provided according to an embodiment of the present application;

[0024] Figure 7 Schematic diagram of the structure of an electronic device according to an embodiment of the present application. DETAILED DESCRIPTION

[0025] Embodiments of the present application are described in detail below, and examples of the embodiments are shown in the accompanying drawings, wherein the same or similar reference numerals throughout represent the same or similar elements or elements having the same or similar functions. The embodiments described below with reference to the accompanying drawings are exemplary and are intended to be used to explain the present application, and should not be construed as limiting the present application.

[0026] At present, the company can only promote channels from the perspective of premiums based on the current way of evaluating cooperative channels. The evaluation method is single and there is no way to better motivate channels to sell the main products and sales areas. Moreover, the calculation of incentive commissions is a completely offline process, which is time-consuming, labor-intensive and seriously delayed, increasing labor costs and not conducive to retaining high-quality channels.

[0027] In the related technology, the commission payment logic for renewal commissions of long-term insurance policies (here only refers to new policies), the incentive commission rate can be analogous to the renewal continuation rate value, and the incentive commission can be analogous to the renewal commission of policies (here only refers to new policies), and the steps are as follows: 1) Every day, all policy data that meet the requirements of the cooperation channel for the month are batched out; 2) Every month, a final version is run for batching, and the continuation rate value of the channel renewal month is calculated based on the policy data and the continuation rate formula; 3) After the version is finalized, the renewal commission of the policy is calculated based on the renewal premium of the policy, the renewal rate and the continuation rate value of the month.

[0028] However, the channel level algorithm used only focuses on monthly policy premium data, and the assessment method is single. The calculation of incentive commissions requires manual offline verification of the incentive commission rate corresponding to the channel every month, and then offline calculation and re-issuance of an incentive commission. The process is cumbersome and the incentive commission is often delayed by 2-3 months before it is given to the channel, and there are no detailed records, which makes it difficult to trace.

[0029] This algorithm not only calculates the channel level from multiple dimensions, but also has a more scientific calculation method. It can automatically calculate the channel's incentive commission for the previous month at a fixed time every month and send it to the channel in a timely manner, reducing the error rate of offline manual calculation of commissions and commission supplements.

[0030] The following describes the assessment method, device, system, electronic device and storage medium of the embodiment of the present application with reference to the accompanying drawings. Specifically, Figure 1 A flowchart of an assessment method provided in an embodiment of the present application.

[0031] like Figure 1 As shown, the assessment method is applied to the cloud service subsystem, wherein the method includes the following steps:

[0032] In step S101, insurance policy data is obtained from the insurance policy system at preset time intervals.

[0033] The preset duration can be set according to the number of policies issued, for example, all policy data within this time period can be obtained from the policy system every half hour without specific limitation.

[0034] It can be understood that the embodiments of the present application can obtain insurance policy data from the insurance policy system at preset time intervals, wherein the insurance policy data may include insurance policy premium, insurance period, product coefficient, regional coefficient, etc., so as to facilitate the subsequent calculation of insurance policy assessment points based on the insurance policy data.

[0035] In step S102, the assessment score of each insurance policy is calculated based on the insurance policy data.

[0036] It is understandable that the embodiment of the present application can calculate the assessment points of each insurance policy based on the insurance policy data, so as to facilitate the subsequent calculation of the total assessment points of the channel for that month.

[0037] In an embodiment of the present application, before calculating the assessment points of each policy based on the policy data, it includes: determining the policy type based on the policy data, where the policy types include new policies and preservation policies; matching the corresponding point factors according to the policy type, and calculating the policy issuance points of the current policy based on the point factors.

[0038] Among them, the new policy is the policy produced after the customer purchases the insurance product, and the preservation policy is the cancellation or addition of insurance to the policy; the integral factor includes the policy's premium, product coefficient and regional coefficient, etc., without specific restrictions.

[0039] Among them, the calculation formula for the current policy's issuance points is: (premium / 1W*1)*product coefficient*(0.8+regional coefficient); among them, the product coefficient is the policy recommendation coefficient, and the regional coefficient is the main and alternative sales provinces of the channel, which corresponds to the coefficient matching the business location of the new policy.

[0040] It can be understood that the embodiment of the present application determines the policy type based on the policy data, and calculates the issuance points of the current policy according to the corresponding point factor matched by the policy type, so as to facilitate the subsequent calculation of the assessment points of the current policy.

[0041] In an embodiment of the present application, after calculating the issuance points of the current policy based on the policy premium, product coefficient and regional coefficient, it includes: determining whether the channel corresponding to the current policy participates in the assessment; if the channel corresponding to the current policy participates in the assessment, the assessment points of the current policy are the issuance points, otherwise the assessment points of the current policy are 0.

[0042] It can be understood that the embodiment of the present application obtains the assessment points of the current policy based on whether the channel corresponding to the current policy participates in the assessment. The assessment channel is more flexible, so as to facilitate the subsequent calculation of the total assessment points of the channel for the month.

[0043] In step S103, the total assessment score of the channel for the month is calculated based on the accumulated assessment scores of all insurance policies for the month and the initial score of the channel for the month.

[0044] It is understandable that the embodiment of the present application can accumulate the assessment scores of each insurance policy in that month on the basis of the initial score of the channel in that month to calculate the total assessment score of the channel in that month, so as to facilitate the subsequent matching of the channel level according to the total assessment score of that month.

[0045] In an embodiment of the present application, before calculating the total assessment points for the month based on the accumulated assessment points of all insurance policies for the month and the initial points of the channel for the month, it includes: checking whether the current time meets the preset time; if the current time meets the preset time, obtaining the accumulated assessment points of all insurance policies for the month and the initial points of the channel for the month, wherein the initial points of the channel for the month are determined based on the mapping relationship between the channel level of the previous month and the initial points of the channel for the month.

[0046] The preset time may be midnight on the 1st of the next month, and may be set according to actual conditions without any specific limitation.

[0047] It can be understood that when the embodiment of the present application detects that the current time meets the set time, it determines the channel's initial points for the month based on the mapping relationship between the channel level of the previous month and the channel's initial points for the month, so as to facilitate the subsequent calculation of the total assessment points for the month.

[0048] It should be noted that the mapping relationship between channel level and channel initial points for the month is shown in Table 1 below.

[0049] Table 1 Mapping relationship between channel level and channel initial points for the month

[0050]

[0051]

[0052] In step S104, the channel level is matched according to the total score of the channel assessment for the month, and the incentive commission rate is determined according to the channel level, and the incentive commission rate is sent to the capital subsystem, wherein the capital subsystem calculates the incentive commission required for the month based on the incentive commission rate and the premiums of all insurance policies for the month.

[0053] It can be understood that the embodiment of the present application matches the channel level according to the total score of the channel's monthly assessment, and determines the incentive commission rate according to the channel level, so that the funding subsystem can calculate the incentive commission required for the month based on the incentive commission rate and the policy premium used in the month. It can assess the channel through multiple factors, and the calculation method is more scientific. It can automatically calculate the channel's incentive commission for the previous month at a fixed time every month and send it to the channel in a timely manner, reducing the error rate of offline manual calculation of commissions and commission supplements, and improving work efficiency.

[0054] It should be noted that the mapping relationship between the monthly channel assessment total score and the channel level is divided into four levels: when the channel assessment total score is greater than or equal to 90, the channel level is diamond level; when the channel assessment total score is between [75, 90], the channel level is gold level; when the channel assessment total score is between [60, 75], the channel level is silver level; when the channel assessment total score is less than 60, the channel level is bronze level.

[0055] The mapping relationship between channel level and incentive commission rate is as follows: when the channel level is diamond level, the incentive commission rate is +4%; when the channel level is gold level, the incentive commission rate is +2%; when the channel level is silver level, the incentive commission rate is +1%; when the channel level is diamond level, the incentive commission rate is 0%.

[0056] In an embodiment of the present application, after matching the channel level according to the total score of the channel assessment for the current month, it includes: determining whether the channel level of the previous month and the channel level of the current month are consistent. If they are inconsistent, the changed channel level and the corresponding channel information are sent to the business system mailbox.

[0057] It is understandable that the embodiment of the present application uses the email alert function to monitor production data in real time and promptly discover channel level change errors caused by technical problems.

[0058] According to the assessment method proposed in the embodiment of the present application, the assessment points of each insurance policy are calculated based on the obtained policy data and added to the initial points of the channel for the month to calculate the total assessment points of the channel for the month. The channel level is matched according to the total assessment points of the channel for the month to determine the incentive commission rate, so that the capital subsystem can calculate the required commission based on the incentive commission rate and the premiums of all insurance policies for the month. By assessing channels through multiple factors, the calculation method is more scientific, and the channel's incentive commission for the previous month is automatically calculated at a fixed time every month and sent to the channel in a timely manner, which reduces the error rate of offline manual commission calculation and commission supplement, and improves work efficiency.

[0059] The following will be combined Figure 2 The assessment method is described in detail as follows:

[0060] (1) Maintain basic configuration information:

[0061] Maintenance of the mapping relationship between channel points, channel levels and incentive commission rates, maintenance of product coefficients and regional coefficients, and maintenance of whether the channel participates in the monthly assessment data;

[0062] (2) Run the batch to obtain all the policy data, calculate the policy points, and calculate the channel points for the current month:

[0063] 1) Every half an hour (the time is defined according to the company's order volume), all the policy data of the channel during this period is run through scheduled task 1, and the points of each policy are calculated. The result is that a batch of data will be added to the policy points maintenance table every half an hour;

[0064] The policy points are calculated according to the formula = (premium / 1W*1)*product coefficient*(0.8+regional coefficient). To calculate each policy point, you need to obtain the corresponding points factor of the policy: policy premium, product coefficient corresponding to the product to which the policy belongs, and regional coefficient corresponding to the location where the policy is located. These points factors are all in the policy information.

[0065] 2) Scheduled Task 1 will add the assessment points of each insurance policy to the channel's points for that month when calculating them. If the initial points of the channel for that month are empty, the corresponding initial points will be given according to the channel level and then added to the channel points. The effect is that the channel points will be updated every half an hour.

[0066] (3) Changes in channel levels are achieved through scheduled task 2:

[0067] At the beginning of each month, scheduled task 2 is executed to mark the channel points status of the previous month as finalized. After finalization, the channel points of the previous month will no longer change, and then the current channel level is updated based on the channel points of the previous month. The channel level is updated to a level based on the mapping relationship between the channel points and the channel level configuration.

[0068] (4) Calculation and payment of incentive commissions

[0069] According to the mapping relationship between channel level and incentive commission rate, the corresponding incentive commission rate is obtained, and then the incentive commission rate is multiplied by the sum of the channel's policy premiums last month to obtain an incentive commission, and the incentive commission is sent to the corresponding channel

[0070] (5) Email warning

[0071] A weekly channel assessment points email will include the channel's points for the current month and the previous month. A monthly channel level change notification email will send an email alert to the business about channel data with different values ​​before and after the change, including channel information and the channel level before and after the change. Specific embodiment 1:

[0073] The initial score of channel A is 56 points. The customer bought insurance product 1 on September 12 to generate policy 1. The corresponding premium amount is 20,000 yuan. The product recommendation coefficient is 0.2, which can be obtained from the basic data table. The sales area is Beijing, so the regional coefficient is 0.2. According to the formula (premium / 1W*1)*product coefficient*(0.8+regional coefficient), the policy score is 0.4, and the channel score is 56+0.4=56.4. Similarly, according to policies 2 and 3, the channel score is 146.4. On October 1, the data for September was finalized. According to the "mapping relationship between channel monthly assessment points and channel levels", the channel level was determined to be diamond. According to the "mapping relationship between channel levels and incentive commission rates", the incentive commission rate for September was 5%. Since the total premium is 1,120,000, the commission is calculated to be: 44,800, and according to the "mapping relationship between channel levels and channel initial score", the initial score for October is 60.

[0074] The specific data description of the scenario is shown in Table 2 and Table 3 below.

[0075] Table 2 Basic data table

[0076]

[0077]

[0078] Table 3 Order status table

[0079]

[0080]

[0081] In summary, this application not only calculates the channel level from multiple dimensions, but also has a more scientific calculation method. It can automatically calculate the channel's incentive commission for the previous month at a fixed time every month and send it to the channel in a timely manner, reducing the error rate of offline manual calculation of commissions and commission supplements.

[0082] Next, the assessment device proposed according to the embodiment of the present application is described with reference to the accompanying drawings.

[0083] Figure 3 It is a block diagram of the assessment device of an embodiment of the present application.

[0084] like Figure 3 As shown, the assessment device is applied to the cloud service subsystem, and the assessment device 10 includes: an acquisition module 110, a first calculation module 120, a second calculation module 130 and a matching module 140.

[0085] Among them, the acquisition module 110 is used to obtain policy data from the policy system at preset time intervals; the first calculation module 120 is used to calculate the assessment points of each policy based on the policy data; the second calculation module is used to calculate the total assessment points of the channel for the month based on the accumulated assessment points of all policies for the month and the initial points of the channel for the month; the matching module 140 is used to match the channel level according to the total assessment points of the channel for the month, and determine the incentive commission rate according to the channel level, and send the incentive commission rate to the funding system, wherein the funding system calculates the incentive commission required to be paid for the month based on the incentive commission rate and the premiums of all policies for the month.

[0086] It should be noted that the above explanations of the embodiment of the assessment method are also applicable to the assessment device of this embodiment and will not be repeated here.

[0087] Next, the assessment system proposed according to the embodiment of the present application is described with reference to the accompanying drawings.

[0088] Figure 4 It is a block diagram of the assessment system of an embodiment of the present application.

[0089] like Figure 4 As shown, the assessment system 20 includes: a policy subsystem 210, a cloud service subsystem 220 and a capital subsystem 230.

[0090] Among them, the insurance policy subsystem 210 insurance policy subsystem includes an insurance policy data module, which is used to maintain all insurance policy data sold by the cloud service subsystem; the cloud service subsystem 220 cloud service subsystem includes a channel management module and a product management module, among which the channel management module is used to maintain all channel data of the cloud service subsystem, and the product management module is used to maintain the product data sold by the cloud service subsystem; the capital subsystem 230 capital subsystem is used to calculate and distribute the commissions of all salesmen in the current month.

[0091] According to the assessment system proposed in the embodiment of the present application, all policy data are saved through the policy subsystem, and the cloud service subsystem obtains the policy data from the policy subsystem to calculate the total assessment points of the channel for the month and matches the corresponding channel level to determine the incentive commission rate. The capital subsystem calculates the commissions of all salesmen for the month based on the incentive commission rate increased by the cloud service subsystem.

[0092] The following will be based on Figure 5 and Figure 6 The assessment system shown is explained as follows:

[0093] The assessment system consists of three systems and four modules: cloud service subsystem, policy subsystem and capital subsystem. The cloud service subsystem includes channel management module and product management module; the policy subsystem includes policy data module; the capital system includes commission calculation and commission payment modules, which record policy premium change data.

[0094] Specifically, the channel management module maintains all channel data of the cloud service system, including monthly channel assessment indicators, channel main promotion areas, channel levels, etc.; the product management module maintains product data sold by the cloud service system, including the maintenance of product recommendation levels; the policy data module maintains all policy data sold by the cloud service system, and the policy information stores product ID, channel ID and region, etc.; the commission calculation and payment module calculates and pays all commissions of the company, including the policy data premium change records involved in this algorithm.

[0095] The cloud service subsystem maintains configuration data. Channel data comes from cloud service system user registration and configuration, and product data comes from product configuration of cloud service system users. Based on the channel data, it obtains and saves the policy data from the policy subsystem through scheduled task 1; then obtains the relevant product ID, region code, and policy premium data based on the policy data, and then obtains the product coefficient from the product management module through the product ID, and obtains the region coefficient from the channel management module through the region code. After obtaining these data, the assessment points of each policy and the points of the channel for the month are calculated and the records are saved; the cloud service subsystem obtains the incentive commission rate based on the channel points calculated in the previous month through scheduled task 2 according to the above steps, and pushes the finalized month and the corresponding incentive commission rate to the capital subsystem; after receiving the notification, the capital subsystem calculates the incentive commission based on the policy premium data and the incentive commission rate provided by the cloud service system and sends it to the channel.

[0096] Figure 7 A schematic diagram of the structure of an electronic device provided in an embodiment of the present application. The electronic device may include:

[0097] A memory 701 , a processor 702 , and a computer program stored in the memory 701 and executable on the processor 702 .

[0098] When the processor 702 executes the program, the assessment method provided in the above embodiment is implemented.

[0099] Furthermore, the electronic device further comprises:

[0100] The communication interface 703 is used for communication between the memory 701 and the processor 702 .

[0101] The memory 701 is used to store computer programs that can be executed on the processor 702 .

[0102] The memory 701 may include a high-speed RAM (Random Access Memory) memory, and may also include a non-volatile memory, such as at least one disk memory.

[0103] If the memory 701, the processor 702 and the communication interface 703 are implemented independently, the communication interface 703, the memory 701 and the processor 702 can be connected to each other through a bus and communicate with each other. The bus can be an ISA (Industry Standard Architecture) bus, a PCI (Peripheral Component Interconnect) bus or an EISA (Extended Industry Standard Architecture) bus, etc. The bus can be divided into an address bus, a data bus, a control bus, etc. For ease of representation, Figure 7 Only one thick line is used in the diagram, but this does not mean that there is only one bus or only one type of bus.

[0104] Optionally, in a specific implementation, if the memory 701, the processor 702 and the communication interface 703 are integrated on a chip, the memory 701, the processor 702 and the communication interface 703 can communicate with each other through an internal interface.

[0105] The processor 702 may be a CPU (Central Processing Unit), or an ASIC (Application Specific Integrated Circuit), or one or more integrated circuits configured to implement the embodiments of the present application.

[0106] An embodiment of the present application also provides a computer-readable storage medium having a computer program stored thereon, which implements the above-mentioned assessment method when executed by a processor.

[0107] In the description of this specification, the description with reference to the terms "one embodiment", "some embodiments", "example", "specific example", or "some examples" etc. means that the specific features, structures, materials or characteristics described in conjunction with the embodiment or example are included in at least one embodiment or example of the present application. In this specification, the schematic representations of the above terms are not necessarily directed to the same embodiment or example. Moreover, the specific features, structures, materials or characteristics described may be combined in any one or N embodiments or examples in a suitable manner. In addition, those skilled in the art may combine and combine the different embodiments or examples described in this specification and the features of the different embodiments or examples, without contradiction.

[0108] In addition, the terms "first" and "second" are used for descriptive purposes only and should not be understood as indicating or implying relative importance or implicitly indicating the number of technical features indicated. Therefore, a feature defined as "first" or "second" may explicitly or implicitly include at least one of the features. In the description of this application, "N" means at least two, such as two, three, etc., unless otherwise clearly and specifically defined.

[0109] Any process or method description in a flowchart or otherwise described herein may be understood to represent a module, fragment or portion of code comprising one or N executable instructions for implementing the steps of a custom logical function or process, and the scope of the preferred embodiments of the present application includes alternative implementations in which functions may not be performed in the order shown or discussed, including performing functions in a substantially simultaneous manner or in reverse order depending on the functions involved, which should be understood by technicians in the technical field to which the embodiments of the present application belong.

[0110] It should be understood that the various parts of the present application can be implemented by hardware, software, firmware or a combination thereof. In the above-mentioned embodiment, the N steps or methods can be implemented by software or firmware stored in a memory and executed by a suitable instruction execution system. For example, if implemented by hardware, as in another embodiment, it can be implemented by any one of the following technologies known in the art or their combination: a discrete logic circuit having a logic gate circuit for implementing a logic function for a data signal, a dedicated integrated circuit having a suitable combination of logic gate circuits, a programmable gate array, a field programmable gate array, etc.

[0111] A person skilled in the art may understand that all or part of the steps in the method for implementing the above-mentioned embodiment may be completed by instructing related hardware through a program, and the program may be stored in a computer-readable storage medium, which, when executed, includes one or a combination of the steps of the method embodiment.

[0112] Although the embodiments of the present application have been shown and described above, it can be understood that the above embodiments are exemplary and cannot be understood as limitations on the present application. Ordinary technicians in the field can change, modify, replace and modify the above embodiments within the scope of the present application.

Claims

1. An assessment method, characterized in that: The method is applied to the cloud service subsystem, wherein the method comprises the following steps: Obtaining policy data from the policy system at preset intervals; Calculate the assessment score of each insurance policy according to the insurance policy data; The total assessment score of the channel for the month is calculated based on the accumulated assessment scores of all policies in the month and the initial score of the channel for the month; The channel level is matched according to the total score of the channel assessment for the month, and the incentive commission rate is determined according to the channel level, and the incentive commission rate is sent to the capital subsystem, wherein the capital subsystem calculates the incentive commission required for the month based on the incentive commission rate and the premiums of all insurance policies for the month.

2. The assessment method according to claim 1, characterized in that: Before calculating the assessment score of each insurance policy according to the insurance policy data, the method includes: Determining the type of insurance policy based on the insurance policy data, wherein the insurance policy type includes new insurance policy and surrendered insurance policy; The corresponding integral factor is matched according to the policy type, and the issuance points of the current policy are calculated based on the integral factor.

3. The assessment method according to claim 2, characterized in that: The policy issuance points of the current policy are calculated according to the integral factor, wherein the calculation formula of the policy issuance points of the current policy is: (Premium / 1W*1)*Product coefficient*(0.8+Region coefficient); Among them, the product coefficient is the policy recommendation coefficient, and the regional coefficient is the coefficient corresponding to the matching result of the main and alternative sales provinces of the channel and the business location of the new policy.

4. The assessment method according to claim 2, characterized in that: After calculating the policy points of the current policy according to the policy premium, product coefficient and regional coefficient, it includes: Determine whether the channel corresponding to the current insurance policy participates in the assessment; If the channel corresponding to the current insurance policy participates in the assessment, the assessment score of the current insurance policy is the policy issuance score, otherwise the assessment score of the current insurance policy is 0.

5. The assessment method according to claim 1, characterized in that: Before calculating the total assessment points for the month based on the accumulated assessment points of all policies in the month and the initial points of the channel in the month, it includes: Detecting whether the current time meets the preset time; If the current time meets the preset time, the accumulated assessment points of all insurance policies in that month and the initial points of the channel in that month are obtained, wherein the initial points of the channel in that month are determined based on the mapping relationship between the channel level of the previous month and the initial points of the channel in that month.

6. The assessment method according to claim 1, characterized in that: After matching the channel level according to the total score of the channel in the current month, including: Determine whether the channel level of the previous month is consistent with the channel level of the current month. If not, send the changed channel level and corresponding channel information to the business system mailbox.

7. An assessment device, characterized in that: The device is applied to a cloud service subsystem, wherein the device comprises: An acquisition module is used to obtain policy data from the policy system at preset intervals; A first calculation module, used to calculate the assessment score of each insurance policy according to the insurance policy data; The second calculation module is used to calculate the total assessment score of the channel in the current month based on the accumulated assessment scores of all insurance policies in the current month and the initial score of the channel in the current month; A matching module is used to match the channel level according to the total score of the channel's assessment in that month, determine the incentive commission rate according to the channel level, and send the incentive commission rate to the capital system, wherein the capital system calculates the incentive commission required to be paid in that month based on the incentive commission rate and all policy premiums in that month.

8. An assessment system, characterized in that: The assessment system includes: The insurance policy subsystem includes an insurance policy data module for maintaining all insurance policy data sold by the cloud service subsystem; The cloud service subsystem includes a channel management module and a product management module, wherein the channel management module is used to maintain all channel data of the cloud service subsystem, and the product management module is used to maintain product data sold by the cloud service subsystem; The funding subsystem is used to calculate and distribute the commissions of all salesmen in the current month.

9. An electronic device, characterized in that: include: A memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor executes the program to implement the assessment method according to any one of claims 1 to 6.

10. A computer-readable storage medium having a computer program stored thereon, characterized in that: The program is executed by a processor to implement the assessment method as described in any one of claims 1 to 6.

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