Insurance premium management method, device, equipment, medium and program product

Abstract

The invention discloses an insurance premium management method and device, equipment, a medium and a program product. The method comprises the steps of obtaining product parameters of a preset product including a commission rate of the preset product; calculating cost balance according to the product parameters of the preset product; and when the cost balance is greater than or equal to a preset value, determining that the commission rate takes effect, and performing insurance premium configuration according to the product parameters of the preset product. By adopting the method provided by the embodiment of the invention, the flexibility and applicability of the insurance premium management method can be improved.

Description

Technical Field

[0001] The present application relates to the field of data processing technology, and in particular to a premium management method, device, equipment, medium and program product. Background Art

[0002] In the related art, premium expenditure management usually strictly restricts the multi-dimensional combination of insurance products to limit the total expenditure of the insurance policies sold. Although this management method can control the premium expenditure to not exceed the budget, the management method is relatively simple, inflexible and poorly applicable. Summary of the invention

[0003] The present application discloses a premium management method, device, equipment, medium and program product. The technical solution of the present application is as follows:

[0004] In a first aspect, the present application discloses a premium management method, comprising:

[0005] Obtaining product parameters of a preset product; wherein the product parameters include a commission rate of the preset product;

[0006] Calculate the cost balance according to the product parameters of the preset product;

[0007] In the case where the fee balance is greater than or equal to the preset value, the commission rate is determined to be effective, and the premium is configured according to the product parameters of the preset product.

[0008] In a possible implementation manner, before calculating the cost balance according to the product parameters of the preset product, the method further includes:

[0009] Performing data verification on the product parameters of the preset product to determine whether the product parameters of the preset product meet the preset conditions;

[0010] The calculating the cost balance according to the product parameters of the preset product includes:

[0011] When the product parameters of the preset product are verified, the cost balance is calculated according to the product parameters of the preset product.

[0012] In a possible implementation manner, the product parameters further include one or more of the product identifier of the preset product, the bank corresponding to the preset product, the payment period of the preset product, the coverage period of the preset product, and the premium amount of the preset product;

[0013] The performing data verification on the product parameters of the preset product to determine whether the product parameters of the preset product meet the preset conditions includes:

[0014] Determine whether one or more of the product identifier of the preset product, the bank corresponding to the preset product, the payment period of the preset product, the coverage period of the preset product, and the premium amount of the preset product meet the preset conditions.

[0015] In a possible implementation manner, the determining whether one or more of the product identifier of the preset product, the bank corresponding to the preset product, the payment period of the preset product, the coverage period of the preset product, and the premium amount of the preset product meet a preset condition comprises at least one of the following:

[0016] Determine whether the product identifier of the preset product is in the preset sales product library;

[0017] Determine whether the bank corresponding to the preset product is in the agent status;

[0018] Determine whether the payment period and the coverage period of the preset product are sales combinations supported by the preset product;

[0019] Determine whether the commission rate of the preset product meets the preset commission rate requirements; the preset commission rate requirements include that the commission rate is less than the commission rate upper limit and the commission rate format meets the preset format;

[0020] Determine whether the estimated premium of the preset product is greater than a preset value.

[0021] In a possible implementation manner, the calculating the cost balance according to the product parameters of the preset product includes:

[0022] Obtaining a preset reserved expense ratio P, an available expense ratio k corresponding to the preset product, a commission rate Y of the preset product, a premium amount of the preset product, and a second expense ratio Q;

[0023] The expense balance is calculated based on the preset reserved expense ratio P, the available expense ratio k corresponding to the preset product, the commission rate Y of the preset product, the premium amount of the preset product and the second expense ratio Q.

[0024] In a possible implementation, the calculation formula for calculating the cost balance based on the preset reserved cost ratio P, the available cost rate k corresponding to the preset product, the commission rate Y of the preset product, the premium amount F of the preset product and the second cost ratio Q is as follows:

[0025]

[0026] Among them, M represents the cost balance, m i represents the cost balance of the i-th preset product, F i represents the premium amount of the i-th preset product, Pi Indicates the preset reserved fee ratio, Q i represents the second cost ratio of the i-th preset product, Y i Represents the commission rate of the i-th preset product.

[0027] In a second aspect, the present application discloses a premium management device, comprising:

[0028] A parameter acquisition module, used to acquire product parameters of a preset product; wherein the product parameters include a commission rate of the preset product;

[0029] A balance calculation module, used to calculate the cost balance according to the product parameters of the preset product;

[0030] The premium management module is used to determine that the commission rate is effective when the fee balance is greater than or equal to a preset value, and to configure the premium according to the product parameters of the preset product.

[0031] In a third aspect, the present application discloses an electronic device, comprising:

[0032] processor;

[0033] a memory for storing instructions executable by the processor;

[0034] The processor is configured to execute the instructions to implement the method described in the first aspect.

[0035] In a fourth aspect, the present application discloses a computer-readable storage medium having a computer program stored thereon, wherein the computer program implements the method described in the first aspect when executed by a processor.

[0036] In a fifth aspect, the present application discloses a computer program product, including a computer program / instructions, characterized in that when the computer program / instructions are executed by a processor, the method described in the first aspect is implemented.

[0037] The technical solution disclosed in this application brings at least the following beneficial effects:

[0038] In the technical solution disclosed in the present invention, the product parameters of the preset product including the commission rate of the preset product are obtained; the cost balance is calculated according to the product parameters of the preset product; when the cost balance is greater than or equal to the preset value, the commission rate is determined to be effective, and the premium is configured according to the product parameters of the preset product. In this way, different insurance products or the same insurance product can be packaged and configured in different sales dimension commission rate scenarios, and whether the commission rate can be configured is determined by the overall estimated cost balance. In this way, not only can the premium management method be enriched, but also the flexibility and applicability of the premium management method can be improved.

[0039] It should be understood that the foregoing general description and the following detailed description are exemplary and explanatory only and are not restrictive of the present application. BRIEF DESCRIPTION OF THE DRAWINGS

[0040] The drawings herein are incorporated into the specification and constitute a part of the specification, illustrate embodiments consistent with the present application, and together with the specification are used to explain the principles of the present application, and do not constitute an improper limitation on the present application.

[0041] Figure 1 A flowchart of a premium management method provided by an embodiment of the present disclosure;

[0042] Figure 2 It is a flowchart of a premium management method provided by an embodiment of the present disclosure;

[0043] Figure 3 is a structural schematic diagram of a premium management device provided by an embodiment of the present disclosure;

[0044] Figure 4 A schematic diagram of the structure of an electronic device provided in an embodiment of the present disclosure. DETAILED DESCRIPTION

[0045] In order to enable ordinary persons in the art to better understand the technical solution of the present application, the technical solution in the embodiments of the present application will be clearly and completely described below in conjunction with the accompanying drawings.

[0046] It should be noted that the terms "first", "second", etc. in the specification and claims of the present application and the above-mentioned drawings are used to distinguish similar objects, and are not necessarily used to describe a specific order or sequence. It should be understood that the data used in this way can be interchangeable where appropriate, so that the embodiments of the present application described herein can be implemented in an order other than those illustrated or described herein. The embodiments described in the following exemplary embodiments do not represent all embodiments consistent with the present application. On the contrary, they are merely examples of devices and methods consistent with some aspects of the present application as detailed in the attached claims.

[0047] It should be noted that the information (including but not limited to user device information, user personal information, etc.), data (including but not limited to data used for analysis, stored data, displayed data, etc.) and signals involved in this application are all authorized by the user or fully authorized by all parties, and the collection, use and processing of relevant data must comply with relevant laws, regulations and standards of relevant countries and regions.

[0048] The acquisition, storage, use, and processing of data in the technical solution of this application comply with the relevant provisions of national laws and regulations.

[0049] It should be noted that in the embodiments of the present application, there may be existing solutions in the industry such as certain software, components, models, etc., which should be regarded as exemplary. Their purpose is only to illustrate the feasibility of implementing the technical solution of the present application, but it does not mean that the applicant has or will necessarily use the solution.

[0050] In the technical solution disclosed in the present invention, premium income refers to the consideration income collected by the insurance company from the policyholder in order to perform the obligations stipulated in the insurance contract. It is the main channel of capital inflow for the insurance company, and it is also the main source of funds for the insurer to perform its insurance liabilities. The available expense ratio usually refers to the proportion of funds available for the insurance company to pay various expenses (such as sales expenses, administrative expenses, operating expenses, etc.) during the operation of the insurance company to the premium income. Available expenses usually refer to the funds available for the insurance company to pay various expenses (such as sales expenses, administrative expenses, operating expenses, etc.) during the operation of the insurance company. The commission rate refers to the proportion of the commission obtained by the sales staff from the sales in the process of policy sales to the sales amount. The expense balance refers to the remaining expenses obtained by deducting the expenditure expenses from the available expenses of the insurance company in the process of policy sales.

[0051] In the related art, the management of premiums usually imposes strict restrictions on the expenditure rate of any dimensional combination of any insurance product. The restriction condition is: expenditure ratio (commission rate + other expense ratio) <= available expense ratio × branch available ratio (100% - head office reserved ratio), so as to limit the total expense expenditure in the process of policy sales. Although this method can meet the management demand that the expenditure does not exceed the available expenses, it also has obvious practical use defects. For example, because the control measures are limited to insurance products with a single dimensional combination and lack of global allocation, this management method is relatively simple, not flexible, and has poor applicability. Moreover, in the case of high handling fee rates of cooperative banks, it is necessary to reduce expenses such as commission rates, resulting in low enthusiasm of sales personnel of such products to issue orders, thereby affecting the achievement of the company's premium performance.

[0052] Based on this, the embodiments of the present disclosure provide a premium management method, apparatus, device, medium and program product, which can obtain the product parameters of a preset product including the commission rate of the preset product; calculate the cost balance according to the product parameters of the preset product; when the cost balance is greater than or equal to the preset value, determine that the commission rate is effective, and configure the premium according to the product parameters of the preset product. In this way, different insurance products or the same insurance product can be packaged and configured in different sales dimension commission rate scenarios, and determine whether the commission rate can be configured by judging the overall estimated cost balance. In this way, not only can the premium management method be enriched, but also the flexibility and applicability of the premium management method can be improved.

[0053] The technical solutions provided by various embodiments of the present application are described in detail below in conjunction with the accompanying drawings.

[0054] Figure 1 The flowchart of a premium management method provided by the embodiment of the present disclosure is shown in FIG. 1 , which can be applied to a server, such as a single server or a server cluster. Figure 1 As shown, the premium management method may include the following steps:

[0055] S101, obtaining product parameters of a preset product.

[0056] Among them, product parameters include commission rates for preset products.

[0057] In the embodiment of the present disclosure, when performing premium management, the product parameters of the preset product can be obtained first. Among them. The preset product can be one or more, for example, and the product parameters can include the commission rate of the preset product, and the preset product can be an insurance product. Exemplarily, obtaining the product parameters of the preset product can be, for example, obtaining the product parameters of each preset product including the commission rate. It can be understood that the process of obtaining the product parameters of each preset product can be performed in parallel or in series.

[0058] S102, calculating the cost balance according to the product parameters of the preset product.

[0059] In the embodiment of the present disclosure, after obtaining the product parameters of the preset product, the cost balance can be calculated according to the product parameters of the preset product, that is, the remaining cost after the preset product takes effect is calculated. For example, assuming that the preset products include preset product 1, preset product 2, preset product 3, and preset product 4, the remaining cost obtained by deducting the expenditure costs of preset product 1, preset product 2, preset product 3, and preset product 4 from the available cost during the policy sales process can be calculated.

[0060] S103, when the expense balance is greater than or equal to the preset value, the commission rate is determined to be effective, and the premium is configured according to the product parameters of the preset product.

[0061] In an embodiment of the present disclosure, after calculating the expense balance according to the product parameters of the preset product, a preset value of the expense balance can be obtained, and the preset value can be used to determine whether the calculated expense balance meets the requirements. The preset value can be set to 0, for example. Then, it can be determined whether the expense balance is greater than or equal to the preset value, for example, whether the expense balance is greater than or equal to 0. If the expense balance is greater than or equal to the preset value, it can be considered that the preset product meets the requirements in the expense balance dimension. At this time, it can be determined that the commission rate of the preset product is in effect. The premium is configured according to the product parameters of each preset product. Exemplarily, if there are multiple preset products and the commission rates preset to the products are all approved, it can be determined that the commission rate of each preset product is in effect, and the premium is configured according to the product parameters of each preset product; if there are multiple preset products and only the commission rates of some preset products are approved, it can be controlled that only the commission rates of some preset products whose commission rates have been approved are in effect, and the premium is configured according to the product parameters of some preset products whose commission rates have been approved.

[0062] In the embodiment of the present disclosure, when the expense balance is greater than or equal to the preset value, the commission rate is determined to be effective, and the premium is configured according to the product parameters of the preset product, including:

[0063] When the fee balance is greater than or equal to the preset value, receiving an approval instruction for the commission rate of the preset product;

[0064] When the approval instruction indicates that the approval is passed, the commission rate is determined to take effect and the premium is configured according to the product parameters of the preset product.

[0065] In the embodiment of the present disclosure, when the expense balance is greater than or equal to the preset value, the commission rate approval stage of the preset product can also be entered. Exemplarily, the approval can be performed by a management personnel, and the management personnel can determine whether the commission rate of the preset product can be approved according to the actual situation. If the commission rate of the preset product can be approved, an approval instruction for executing the approval of the commission rate of the preset product can be input. At this time, it can be determined that the commission rate is effective, and the premium is configured according to the product parameters of the preset product. Otherwise, it can be determined that the commission rate is not effective.

[0066] In the technical solution disclosed in the present invention, the product parameters of the preset product including the commission rate of the preset product are obtained; the cost balance is calculated according to the product parameters of the preset product; when the cost balance is greater than or equal to the preset value, the commission rate is determined to be effective, and the premium is configured according to the product parameters of the preset product. In this way, different insurance products or the same insurance product can be packaged and configured in different sales dimension commission rate scenarios, and whether the commission rate can be configured is determined by the overall estimated cost balance. In this way, not only can the premium management method be enriched, but also the flexibility and applicability of the premium management method can be improved.

[0067] In some possible implementations, before calculating the cost balance according to the product parameters of the preset product, the method further includes:

[0068] Perform data verification on the product parameters of the preset product to determine whether the product parameters of the preset product meet the preset conditions;

[0069] Calculate the cost balance based on the product parameters of the preset product, including:

[0070] When the product parameters of the preset product are verified and passed, the cost balance is calculated based on the product parameters of the preset product.

[0071] In the technical solution disclosed in the present invention, before calculating the cost balance according to the product parameters of the preset product, after obtaining the product parameters of the preset product, data verification can be performed on the product parameters of the preset product to verify the accuracy of the product parameters. If the product parameters of the preset product pass the verification, the process of calculating the cost balance according to the product parameters of the preset product can be executed. Exemplarily, if there are multiple preset products, the data accuracy verification can be performed on the product parameters of each preset product respectively.

[0072] In a further possible implementation, the product parameters may also include one or more of a product identifier of a preset product, a bank corresponding to the preset product, a payment period of the preset product, a guarantee period of the preset product, and a premium amount of the preset product;

[0073] Perform data verification on the product parameters of the preset product to determine whether the product parameters of the preset product meet the preset conditions, including:

[0074] Determine whether one or more of the product identification of the preset product, the bank corresponding to the preset product, the payment period of the preset product, the coverage period of the preset product, and the premium amount of the preset product meet the preset conditions.

[0075] In the technical solution disclosed in the present invention, the product parameters of the preset product may include, in addition to the commission rate, the product identifier of the preset product, the bank corresponding to the preset product, the payment period of the preset product, the protection period of the preset product, the premium amount of the preset product, etc. Accordingly, when data verification is performed on the product parameters of the preset product to determine whether the product parameters of the preset product meet the preset conditions, it can be determined whether one or more of the product identifier of the preset product, the bank corresponding to the preset product, the payment period of the preset product, the protection period of the preset product, and the premium amount of the preset product meet the preset conditions.

[0076] In a further possible implementation, determining whether one or more of the product identifier of the preset product, the bank corresponding to the preset product, the payment period of the preset product, the coverage period of the preset product, and the premium amount of the preset product meet the preset conditions includes at least one of the following:

[0077] Determine whether the product identifier of the preset product is in the preset sales product library;

[0078] Determine whether the bank corresponding to the preset product is in the agency status;

[0079] Determine whether the payment period and coverage period of the preset product are sales combinations supported by the preset product;

[0080] Determine whether the commission rate of the preset product meets the preset commission rate requirements; the preset commission rate requirements include that the commission rate is less than the commission rate upper limit and the commission rate format meets the preset format;

[0081] Determine whether the estimated premium for the preset product is greater than the preset value.

[0082] In the technical solution of the present disclosure, determining whether one or more of the product identification of a preset product, the bank corresponding to the preset product, the payment period of the preset product, the protection period of the preset product, and the premium amount of the preset product meet the preset conditions may include: determining whether the product identification of the preset product is in the preset sales product library, the product identification may be, for example, the product code of the preset product, and the preset sales product library may include insurance products being sold in multiple systems; determining whether the bank corresponding to the preset product is in an agency state, that is, the bank corresponding to the preset product needs to be a bank that is currently in an agency state in the system; determining whether the payment period and the protection period of the preset product are sales combinations supported by the preset product; determining whether the commission rate of the preset product is less than the upper limit of the commission rate, and whether the format of the commission rate meets the preset format, for example, the format of the commission rate needs to be a legal percentage number; determining whether the estimated premium of the preset product is greater than the preset value, for example, determining whether the estimated premium of the preset product is greater than 0, that is, the estimated premium of the preset product needs to be a positive number.

[0083] In a possible implementation, calculating the cost balance according to the product parameters of the preset product includes:

[0084] Obtain the preset reserved expense ratio P, the available expense ratio k corresponding to the preset product, the commission rate Y of the preset product, the premium amount F of the preset product, and the second expense ratio Q;

[0085] Based on the preset reserved expense ratio P, the available expense ratio k corresponding to the preset product, the commission rate Y of the preset product, the premium amount F of the preset product and the second expense ratio Q, the expense balance is calculated.

[0086] In the technical solution of the present disclosure, when calculating the cost balance according to the product parameters of the preset product, the preset reserved cost ratio P, the available cost rate k corresponding to the preset product, the commission rate Y of the preset product, the premium amount of the preset product and the second cost ratio Q can be obtained first. Exemplarily, if the preset products include preset product 1, preset product 2, preset product 3, and preset product 4, the preset reserved cost ratio P can be obtained, the available cost rates k1, k2, k3, and k4 corresponding to the preset product 1, preset product 2, preset product 3, and preset product 4 are obtained, the commission rates Y1, Y2, Y3, and Y4 corresponding to the preset product 1, preset product 2, preset product 3, and preset product 4 are obtained, the commission rates F1, F2, F3, and F4 corresponding to the preset product 1, preset product 2, preset product 3, and preset product 4 are obtained, and the second cost ratios Q1, Q2, Q3, and Q4 corresponding to the preset product 1, preset product 2, preset product 3, and preset product 4 are obtained. It can be understood that the second cost ratio can be other cost ratios corresponding to each preset product, for example, it can be related costs to support the preset product. Then, the cost balance can be calculated according to the following formula (1):

[0087]

[0088] Among them, M represents the cost balance, m i represents the cost balance of the i-th preset product, F i represents the premium amount of the i-th preset product, P i Indicates the preset reserved fee ratio, Q i represents the second cost ratio of the i-th preset product, Y i represents the commission rate of the i-th preset product, k i Indicates the available expense rate of the preset product.

[0089] To make the premium management method provided by the embodiment of the present disclosure clearer, the following is a Figure 2 For explanation. Figure 2 As shown, the premium management method provided by the embodiment of the present disclosure may include the following processing:

[0090] S201, product parameters including commission rates of preset products may be imported first.

[0091] For example, specific examples of product parameter quotas may be shown in Table 1.

[0092] Table 1

[0093] Serial number Product Code Bank branches Payment period Protection Period Commission Rate Estimated Premium 1 A aBank 3 20 5％ 100000 2 A bBank 5 20 6％ 150000 3 B c Bank 3 20 7％ 130000 4 B dBank 5 20 8％ 170000

[0094] S202, perform data verification on product parameters to verify the correctness of product parameters. If the product parameter verification passes, execute S203; otherwise, execute S204.

[0095] For example, a specific example of passing the data accuracy check may be:

[0096] 1) The product code must be a product currently on sale in the system, otherwise the import will fail;

[0097] 2) The bank branch must be a bank that is currently acting as an agent in the system, otherwise the import will fail;

[0098] 3) The payment period and the protection period must be sales combinations supported by the current product, otherwise the import will fail;

[0099] 4) The commission rate cannot exceed the upper limit of the commission rate configured by the head office and must be a legal percentage number, otherwise the import will fail;

[0100] 5) The estimated premium must be a positive number, otherwise the import will fail.

[0101] S203, calculating the cost balance of the preset product data of this batch.

[0102] For example, assuming that the head office reserves a proportion of expenses P, the commission rate under the preset sales dimension W1 scenario of product A is Y1, the available expense rate is K1, the estimated premium income (premium amount) is F1, and the other expense ratio (i.e., the second expense ratio) is Q1; the commission rate under the sales dimension W2 scenario of product B is Y2, the available expense rate is K2, the estimated premium income is F2, and the other expense ratio is Q2. Then, the expense balance = F1*(K1*(100%-P)-Q1-Y1)+F2*(K2*(100%-P)-Q2-Y2).

[0103] As a specific example, assuming that the head office's reserved expense ratio is P, the corresponding available expense ratio (sequentially K1 to K4) and other expense ratios (sequentially Q1 to Q4) are queried based on the imported commission rate data product code, bank branch, payment period, and insurance period. The expense balance is calculated according to the formula as follows:

[0104] Cost balance = 100,000*(K1*(100%-P)-Q1-5%)+150,000*(K2*(100%-P)-Q2-6%)+130,000*(K3*(100%-P)-Q3-7%)+170,000*(K4*(100%-P)-Q4-8%)

[0105] S204: Import fails, and the process ends.

[0106] S205, determining whether the fee balance is greater than or equal to 0. If the fee balance is greater than or equal to 0, executing S206, otherwise, executing S204.

[0107] S206, review and approve the commission rate. If the commission rate is approved, execute S207; otherwise, execute S208.

[0108] For example, the commission rate approval can be done by management personnel based on an analysis of historical sales data to estimate whether the premium assessment is reasonable, and the reasonable commission rate configuration data can be approved. At this time, the commission rate can take effect, otherwise the commission rate will be invalidated.

[0109] The specific implementation and technical effects of each step of this embodiment are similar to those of the above method embodiment and will not be repeated here.

[0110] Based on the same inventive concept, the present application also provides a premium management device. Figure 3 As shown, the premium management device 300 includes:

[0111] The parameter acquisition module 310 is used to acquire the product parameters of the preset product; wherein the product parameters include the commission rate of the preset product;

[0112] A balance calculation module 320, configured to calculate a cost balance according to the product parameters of the preset product;

[0113] The premium management module 330 is used to determine that the commission rate is effective when the fee balance is greater than or equal to a preset value, and configure the premium according to the product parameters of the preset product.

[0114] In a possible implementation manner, the premium management device 300 further includes:

[0115] A verification module, used to perform data verification on the product parameters of the preset product to determine whether the product parameters of the preset product meet the preset conditions;

[0116] The balance calculation module 320 is used to:

[0117] When the product parameters of the preset product are verified, the cost balance is calculated according to the product parameters of the preset product.

[0118] In a possible implementation manner, the product parameters further include one or more of the product identifier of the preset product, the bank corresponding to the preset product, the payment period of the preset product, the coverage period of the preset product, and the premium amount of the preset product;

[0119] The verification module is used for:

[0120] Determine whether one or more of the product identifier of the preset product, the bank corresponding to the preset product, the payment period of the preset product, the coverage period of the preset product, and the premium amount of the preset product meet the preset conditions.

[0121] In a possible implementation, the verification module is used to perform at least one of the following:

[0122] Determine whether the product identifier of the preset product is in the preset sales product library;

[0123] Determine whether the bank corresponding to the preset product is in the agent status;

[0124] Determine whether the payment period and the coverage period of the preset product are sales combinations supported by the preset product;

[0125] Determine whether the commission rate of the preset product meets the preset commission rate requirements; the preset commission rate requirements include that the commission rate is less than the commission rate upper limit and the commission rate format meets the preset format;

[0126] Determine whether the estimated premium of the preset product is greater than a preset value.

[0127] In a possible implementation manner, the balance calculation module 320 is used to:

[0128] A data acquisition unit, used to acquire a preset reserved expense ratio P, an available expense ratio k corresponding to the preset product, a commission rate Y of the preset product, a premium amount of the preset product, and a second expense ratio Q;

[0129] The calculation unit is used to calculate the cost balance based on the preset reserved cost ratio P, the available cost rate k corresponding to the preset product, the commission rate Y of the preset product, the premium amount of the preset product and the second cost ratio Q.

[0130] In a possible implementation, the calculation formula for calculating the cost balance based on the preset reserved cost ratio P, the available cost rate k corresponding to the preset product, the commission rate Y of the preset product, the premium amount F of the preset product and the second cost ratio Q is as follows:

[0131]

[0132] Among them, M represents the cost balance, m i represents the cost balance of the i-th preset product, F i represents the premium amount of the i-th preset product, P i Indicates the preset reserved fee ratio, Q i represents the second cost ratio of the i-th preset product, Y i Represents the commission rate of the i-th preset product.

[0133] The specific implementation method and technical effect of the device provided in the embodiment of the present application are similar to those of the above-mentioned method embodiment and will not be repeated here.

[0134] According to an embodiment of the present application, the present application also discloses an electronic device, a computer-readable storage medium and a computer program product.

[0135] Figure 4 A schematic block diagram of an example electronic device 400 that can be used to implement an embodiment of the present application is shown. The electronic device 400 is intended to represent various forms of digital computers, such as laptop computers, desktop computers, workbenches, personal digital assistants, servers, blade servers, mainframe computers, and other suitable computers. The electronic device can also represent various forms of mobile devices, such as personal digital processing, cellular phones, smart phones, wearable devices, and other similar computing devices. The components shown herein, their connections and relationships, and their functions are merely examples and are not intended to limit the implementation of the present application described and / or required herein.

[0136] like Figure 4 As shown, the electronic device 400 includes a computing unit 401, which can perform various appropriate actions and processes according to a computer program stored in a read-only memory (ROM) 402 or a computer program loaded from a storage unit 408 into a random access memory (RAM) 403. In the RAM 403, various programs and data required for the operation of the device 400 can also be stored. The computing unit 401, the ROM 402, and the RAM 403 are connected to each other via a bus 404. An input / output (I / O) interface 405 is also connected to the bus 404.

[0137] Multiple components in the electronic device 400 are connected to the I / O interface 405, including: an input unit 406, such as a keyboard, a mouse, etc.; an output unit 407, such as various types of displays, speakers, etc.; a storage unit 408, such as a disk, an optical disk, etc.; and a communication unit 409, such as a network card, a modem, a wireless communication transceiver, etc. The communication unit 409 allows the electronic device 400 to exchange information / data with other devices through a computer network such as the Internet and / or various telecommunication networks.

[0138] The computing unit 401 may be a variety of general and / or special processing components with processing and computing capabilities. Some examples of the computing unit 401 include, but are not limited to, a central processing unit (CPU), a graphics processing unit (GPU), various dedicated artificial intelligence (AI) computing chips, various computing units running machine learning model algorithms, digital signal processors (DSPs), and any appropriate processors, controllers, microcontrollers, etc. The computing unit 401 performs the various methods and processes described above, such as the premium management method. For example, in some embodiments, the premium management method may be implemented as a computer software program, which is tangibly contained in a machine-readable medium, such as a storage unit 408. In some embodiments, part or all of the computer program may be loaded and / or installed on the electronic device 400 via the ROM 402 and / or the communication unit 409. When the computer program is loaded into the RAM 403 and executed by the computing unit 401, one or more steps of the premium management method described above may be performed. Alternatively, in other embodiments, the computing unit 401 may be configured to perform the premium management method in any other appropriate manner (e.g., by means of firmware).

[0139] Various implementations of the systems and techniques described above herein can be implemented in digital electronic circuit systems, integrated circuit systems, field programmable gate arrays (FPGAs), application specific integrated circuits (ASICs), application specific standard products (ASSPs), systems on chips (SOCs), load programmable logic devices (CPLDs), computer hardware, firmware, software, and / or combinations thereof. These various implementations can include: being implemented in one or more computer programs that can be executed and / or interpreted on a programmable system including at least one programmable processor, which can be a special purpose or general purpose programmable processor that can receive data and instructions from a storage system, at least one input device, and at least one output device, and transmit data and instructions to the storage system, the at least one input device, and the at least one output device.

[0140] The program code of the computer program product for implementing the method of the present application can be written in any combination of one or more programming languages. These program codes can be provided to a processor or controller of a general-purpose computer, a special-purpose computer, or other programmable data processing device, so that the program code, when executed by the processor or controller, enables the functions / operations specified in the flow chart and / or block diagram to be implemented. The program code can be executed entirely on the machine, partially on the machine, partially on the machine and partially on a remote machine as a stand-alone software package, or entirely on a remote machine or server.

[0141] In the context of the present application, a computer-readable storage medium may be a tangible medium that may contain or store a program for use by or in conjunction with an instruction execution system, device, or equipment. A computer-readable storage medium may be a machine-readable signal medium or a machine-readable storage medium. A computer-readable storage medium may include, but is not limited to, electronic, magnetic, optical, electromagnetic, infrared, or semiconductor systems, devices, or equipment, or any suitable combination of the foregoing. A more specific example of a computer-readable storage medium may include an electrical connection based on one or more lines, a portable computer disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing.

[0142] To provide interaction with a user, the systems and techniques described herein can be implemented on a computer having: a display device (e.g., a CRT (cathode ray tube) or LCD (liquid crystal display) monitor) for displaying information to the user; and a keyboard and pointing device (e.g., a mouse or trackball) through which the user can provide input to the computer. Other types of devices can also be used to provide interaction with the user; for example, the feedback provided to the user can be any form of sensory feedback (e.g., visual feedback, auditory feedback, or tactile feedback); and input from the user can be received in any form (including acoustic input, voice input, or tactile input).

[0143] The systems and techniques described herein can be implemented in a computing system that includes backend components (e.g., as a data server), or a computing system that includes middleware components (e.g., an application server), or a computing system that includes frontend components (e.g., a user computer with a graphical user interface or a web browser through which a user can interact with implementations of the systems and techniques described herein), or a computing system that includes any combination of such backend components, middleware components, or frontend components. The components of the system can be interconnected by any form or medium of digital data communication (e.g., a communication network). Examples of communication networks include: a local area network (LAN), a wide area network (WAN), the Internet, and a blockchain network.

[0144] A computer system may include a client and a server. The client and the server are generally remote from each other and usually interact through a communication network. The relationship between the client and the server is generated by computer programs running on the corresponding computers and having a client-server relationship with each other. The server may be a cloud server, also known as a cloud computing server or cloud host, which is a host product in the cloud computing service system to solve the defects of difficult management and weak business scalability in traditional physical hosts and VPS services ("Virtual Private Server", or "VPS" for short). The server may also be a server of a distributed system, or a server combined with a blockchain.

[0145] It should be understood that the various forms of processes shown above can be used to reorder, add or delete steps. For example, the steps recorded in this disclosure can be executed in parallel, sequentially or in different orders, as long as the desired results of the technical solution disclosed in this application can be achieved, and this document is not limited here.

[0146] The above specific implementations do not constitute a limitation on the protection scope of this application. It should be understood by those skilled in the art that various modifications, combinations, sub-combinations and substitutions can be made according to design requirements and other factors. Any modifications, equivalent substitutions and improvements made within the spirit and principles of this application should be included in the protection scope of this application.

Claims

1. A premium management method, characterized in that: include: Obtaining product parameters of a preset product; wherein the product parameters include a commission rate of the preset product; Calculate the cost balance according to the product parameters of the preset product; In the case where the fee balance is greater than or equal to the preset value, the commission rate is determined to be effective, and the premium is configured according to the product parameters of the preset product.

2. The premium management method according to claim 1, characterized in that: Before calculating the cost balance according to the product parameters of the preset product, the method further includes: Performing data verification on the product parameters of the preset product to determine whether the product parameters of the preset product meet the preset conditions; The calculating the cost balance according to the product parameters of the preset product includes: When the product parameters of the preset product are verified, the cost balance is calculated according to the product parameters of the preset product.

3. The premium management method according to claim 2, characterized in that: The product parameters also include one or more of the product identifier of the preset product, the bank corresponding to the preset product, the payment period of the preset product, the coverage period of the preset product, and the premium amount of the preset product; The performing data verification on the product parameters of the preset product to determine whether the product parameters of the preset product meet the preset conditions includes: Determine whether one or more of the product identifier of the preset product, the bank corresponding to the preset product, the payment period of the preset product, the coverage period of the preset product, and the premium amount of the preset product meet the preset conditions.

4. The premium management method according to claim 3, characterized in that: The determining whether one or more of the product identifier of the preset product, the bank corresponding to the preset product, the payment period of the preset product, the coverage period of the preset product, and the premium amount of the preset product meet the preset conditions includes at least one of the following: Determine whether the product identifier of the preset product is in the preset sales product library; Determine whether the bank corresponding to the preset product is in the agent status; Determine whether the payment period and the coverage period of the preset product are sales combinations supported by the preset product; Determining whether the commission rate of the preset product meets the preset commission rate requirement; The preset commission rate requirement includes that the commission rate is less than the commission rate upper limit and the commission rate format meets the preset format; Determine whether the estimated premium of the preset product is greater than a preset value.

5. The premium management method according to any one of claims 1 to 4, characterized in that: The calculating the cost balance according to the product parameters of the preset product includes: Obtaining a preset reserved expense ratio P, an available expense ratio k corresponding to the preset product, a commission rate Y of the preset product, a premium amount of the preset product, and a second expense ratio Q; The expense balance is calculated based on the preset reserved expense ratio P, the available expense ratio k corresponding to the preset product, the commission rate Y of the preset product, the premium amount of the preset product and the second expense ratio Q.

6. The premium management method according to claim 5, characterized in that: The calculation formula for calculating the cost balance based on the preset reserved cost ratio P, the available cost rate k corresponding to the preset product, the commission rate Y of the preset product, the premium amount F of the preset product and the second cost ratio Q is as follows: Among them, M represents the cost balance, m i represents the cost balance of the i-th preset product, F i represents the premium amount of the i-th preset product, P i Indicates the preset reserved fee ratio, Q i represents the second cost ratio of the i-th preset product, Y i Represents the commission rate of the i-th preset product.

7. A premium management device, characterized in that: include: A parameter acquisition module, used to acquire product parameters of a preset product; wherein the product parameters include a commission rate of the preset product; A balance calculation module, used to calculate the cost balance according to the product parameters of the preset product; The premium management module is used to determine that the commission rate is effective when the fee balance is greater than or equal to a preset value, and to configure the premium according to the product parameters of the preset product.

8. An electronic device, characterized in that: include: processor; a memory for storing instructions executable by the processor; The processor is configured to execute the instructions to implement the premium management method according to any one of claims 1-6.

9. A computer-readable storage medium having a computer program stored thereon, characterized in that: When the computer program is executed by a processor, the premium management method according to any one of claims 1 to 6 is implemented.

10. A computer program product comprising a computer program / instructions, characterized in that When the computer program / instructions are executed by a processor, the premium management method according to any one of claims 1 to 6 is implemented.

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