Method, device, equipment and medium for calculating assistant revocation of insurance protocol revocation

Abstract

The invention relates to the technical field of artificial intelligence, and discloses a method, a device, equipment and a medium for calculating copyright deduction of insurance agreement deduction, and the method comprises the steps: collecting all historical deduction cases of an enterprise, and carrying out the clustering of the cases, and obtaining various case clusters; for each insurance institution at different positions of the enterprise, counting historical solution appointment cases corresponding to each case cluster in each time period of each insurance institution, and calculating an assistant solution loss rate and a complaint rate; according to the position of the to-be-settled case and the settlement time, matching with the position of each insurance mechanism and each time period to obtain a target insurance mechanism and a target time period; calculating the similarity between the to-be-reduced case and each case cluster of the target insurance institution in the target time period, and determining a target case cluster; and according to the cooperative solution loss rate and the complaint rate of each target case cluster, determining cooperative solution money of the to-be-solved case. The method and the device solve the technical problem that in the prior art, the cooperative gold solution cannot be objectively and accurately determined.

Description

Technical Field

[0001] The present invention relates to the field of big data processing technology, and in particular to a method, device, equipment and medium for calculating a settlement fee for the termination of an insurance agreement. Background Art

[0002] In the insurance field, after the policy is sold, customers may complain for various reasons, and at this time, a negotiated cancellation is usually carried out. However, there is no absolute standard for the negotiated cancellation amount, and it is mainly handled by manual experience.

[0003] However, in the process of manual experience, due to various subjective factors, the settlement amount scales of the same type of insurance cases are different. If the settlement amount is too much, it will cause losses to the company, and if the settlement amount is too little, it will affect the rights and interests of customers. Therefore, a relatively reasonable standard solution is needed. Summary of the invention

[0004] The present invention provides a method, device, equipment and medium for calculating the settlement money for the termination of an insurance agreement, so as to solve the technical problem in the prior art that the settlement money cannot be determined objectively and accurately.

[0005] In a first aspect, a method for calculating the settlement fee for the termination of an insurance agreement is provided, comprising:

[0006] Collect all historical contract termination cases of the enterprise, cluster the historical contract termination cases, and obtain various case clusters, wherein the case clusters include multiple historical contract termination cases of the same type;

[0007] For each insurance institution at different locations of the enterprise, the historical termination cases corresponding to each case cluster of each insurance institution in each time period are counted, and the settlement loss rate and complaint rate of each case cluster of each insurance institution in each time period are calculated;

[0008] For the cases to be terminated, according to the location and termination time of the cases to be terminated, they are matched with the location of each insurance institution and each time period to obtain the target insurance institution and target time period;

[0009] Calculate the similarity between the case to be terminated and each case cluster of the target insurance institution in the target time period to determine the target case cluster;

[0010] The settlement money for the cases to be terminated is determined based on the settlement loss rate and complaint rate of each target case cluster.

[0011] In a second aspect, a device for calculating a settlement fee for insurance agreement termination is provided, comprising:

[0012] A collection module is used to collect all historical contract termination cases of the enterprise, cluster the historical contract termination cases, and obtain various case clusters, wherein the case clusters include multiple historical contract termination cases of the same category;

[0013] A classification module is used to count the historical termination cases corresponding to each case cluster of each insurance institution in each time period for each insurance institution at different locations of the enterprise, and calculate the settlement loss rate and complaint rate of each case cluster of each insurance institution in each time period;

[0014] A matching module, for matching the pending termination cases with the location of each insurance institution and each time period according to the location and termination time of the pending termination cases, to obtain a target insurance institution and a target time period;

[0015] A similarity module, used to calculate the similarity between the case to be terminated and each case cluster of the target insurance institution in the target time period, and determine the target case cluster;

[0016] The determination module is used to determine the settlement money of the case to be terminated according to the settlement loss rate and complaint rate of each target case cluster.

[0017] In a third aspect, a computer device is provided, comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein when the processor executes the computer program, the steps of the method for calculating the settlement money for termination of the above-mentioned insurance agreement are implemented.

[0018] In a fourth aspect, a computer-readable storage medium is provided, which stores a computer program, and when the computer program is executed by a processor, the steps of the method for calculating the settlement money for termination of the above-mentioned insurance agreement are implemented.

[0019] In the scheme implemented by the above-mentioned settlement fund calculation method, device, computer equipment and storage medium for insurance agreement termination, all historical termination cases of the enterprise are first collected, and the historical termination cases are clustered to obtain various case clusters; then, according to each insurance institution in different locations of the enterprise, the historical termination cases corresponding to each case cluster of each insurance institution in each time period are counted, and then the settlement loss rate and complaint rate of each case cluster of each insurance institution in each time period are calculated; when there are cases to be terminated, the location and termination time of the cases to be terminated are matched with the location of each insurance institution and each time period respectively, and the target insurance institutions and target time periods are screened out; finally, according to each case cluster of the target insurance institution and the target time period, the settlement fund of the cases to be terminated is determined.

[0020] The embodiment of the present invention selects the target insurance institution and the target time period according to the location and termination time of the case to be terminated, thereby ensuring the consistency of the settlement funds in the same location and the same time period, overcoming the differences in settlement funds caused by factors such as region and time, and improving the accuracy of calculating the settlement funds; in addition, the settlement funds of the case to be terminated are determined according to the settlement loss rate and complaint rate of the selected target case cluster, further improving the accuracy of the settlement funds. An objective and accurate settlement fund determination scheme for insurance policy complaint cases is proposed through intelligent and refined calculation methods and big data analysis, which not only significantly improves the efficiency of settlement processing of insurance complaint cases, but also enhances the transparency and credibility of settlement, while minimizing the company's losses and protecting the rights and interests of customers, helping to enhance the brand image and customer loyalty of insurance companies, and providing technical support for the sustainable development of the insurance industry. BRIEF DESCRIPTION OF THE DRAWINGS

[0021] In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the accompanying drawings required for use in the description of the embodiments of the present invention will be briefly introduced below. Obviously, the accompanying drawings in the following description are only some embodiments of the present invention. For ordinary technicians in this field, other accompanying drawings can be obtained based on these accompanying drawings without paying creative labor.

[0022] Figure 1 It is a schematic diagram of an application environment of a method for calculating a settlement fee for insurance agreement termination in one embodiment of the present invention;

[0023] Figure 2 It is a flow chart of a method for calculating the settlement fee for insurance agreement termination in one embodiment of the present invention;

[0024] Figure 3 It is a structural schematic diagram of a settlement fee calculation device for insurance agreement termination in one embodiment of the present invention;

[0025] Figure 4 is a schematic diagram of a structure of a computer device in one embodiment of the present invention;

[0026] Figure 5 It is another structural schematic diagram of a computer device in one embodiment of the present invention. DETAILED DESCRIPTION

[0027] The following will be combined with the drawings in the embodiments of the present invention to clearly and completely describe the technical solutions in the embodiments of the present invention. Obviously, the described embodiments are part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of the present invention.

[0028] The method for calculating the settlement fee for insurance contract termination provided by the embodiment of the present invention can be applied in the following cases: Figure 1 In an application environment, the client communicates with the server through a network. The server can receive historical termination cases and pending termination cases through the client, collect all historical termination cases of the enterprise, cluster the historical termination cases, and obtain various case clusters, wherein the case clusters include multiple historical termination cases of the same category; for each insurance institution at different locations of the enterprise, count the historical termination cases corresponding to each case cluster in each time period of each insurance institution, and calculate the settlement loss rate and complaint rate of each case cluster in each time period of each insurance institution; for pending termination cases, match the location and termination time of each pending termination case with the location of each insurance institution and each time period, respectively, to obtain the target insurance institution and the target time period; calculate the similarity between the pending termination case and each case cluster of the target insurance institution in the target time period, and determine the target case cluster; determine the settlement amount of the pending termination case according to the settlement loss rate and complaint rate of each target case cluster.

[0029] In the present invention, for complex insurance entities under insurance business, all historical termination cases of the enterprise are first collected, and the historical termination cases are clustered to obtain various case clusters; then, according to each insurance institution at different locations of the enterprise, the historical termination cases corresponding to each case cluster of each insurance institution in each time period are counted, and then the settlement loss rate and complaint rate of each case cluster of each insurance institution in each time period are calculated; when there are cases to be terminated, the location and termination time of the cases to be terminated are matched with the location of each insurance institution and each time period, respectively, to screen out target insurance institutions and target time periods; finally, according to each case cluster of the target insurance institution and the target time period, the settlement money of the cases to be terminated is determined.

[0030] The embodiment of the present invention selects the target insurance institution and the target time period according to the location and termination time of the case to be terminated, thereby ensuring the consistency of the settlement funds in the same location and the same time period, overcoming the differences in settlement funds caused by factors such as region and time, and improving the accuracy of calculating the settlement funds; in addition, the settlement funds of the case to be terminated are determined according to the settlement loss rate and complaint rate of the selected target case cluster, further improving the accuracy of the settlement funds. An objective and accurate settlement fund determination scheme for insurance policy complaint cases is proposed through intelligent and refined calculation methods and big data analysis, which not only significantly improves the efficiency of settlement processing of insurance complaint cases, but also enhances the transparency and credibility of settlement, while minimizing the company's losses and protecting the rights and interests of customers, helping to enhance the brand image and customer loyalty of insurance companies, and providing technical support for the sustainable development of the insurance industry.

[0031] The client may be, but is not limited to, various personal computers, laptops, smart phones, tablet computers, and portable wearable devices. The server may be implemented by an independent server or a server cluster consisting of multiple servers. The present invention is described in detail below through specific embodiments.

[0032] See also Figure 2 As shown, Figure 2 A flowchart of a method for calculating a settlement fee for insurance agreement termination provided by an embodiment of the present invention includes the following steps:

[0033] S10: Collect all historical contract termination cases of the enterprise, cluster the historical contract termination cases, and obtain various case clusters, wherein the case clusters include multiple historical contract termination cases of the same type;

[0034] First, collect all the historical termination cases of the enterprise, which is generally a company that can handle insurance business, and then collect all the historical termination cases of the enterprise. For each insurance policy, if the customer needs to terminate the insurance agreement, the insurance policy case can be regarded as a historical termination case. Among them, the insurance policy can be property insurance, such as property damage insurance, liability insurance, etc., or personal insurance, such as life insurance, health insurance, accident insurance, etc.

[0035] For each historical termination case, the insurance type, premium amount and other dimensions of the historical termination case can be used to measure it, and all historical termination cases can be clustered according to these dimensions, and similar historical termination cases can be classified into one case cluster. Specific clustering methods include K-means clustering algorithm, grid-based method and model-based method, etc., which can be determined according to actual conditions, and the embodiments of the present invention do not make specific limitations on this.

[0036] Among them, the grid-based method divides the data space into a grid structure with a finite number of cells, and all processing is based on a single cell; the model-based method assumes a model for each cluster, and then looks for a data set that can well satisfy this model.

[0037] As an implementation method, the historical termination cases include basic information of historical termination policies, and the basic information includes termination policies, agents, customers, complaint content, insurance types, agent quality, and policy value. The steps of collecting all historical termination cases of the enterprise and clustering the historical termination cases to obtain various case clusters include:

[0038] Normalizing the basic information of the historical termination cases;

[0039] The K-means clustering algorithm is used to classify the basic information of the historical termination cases after normalization to obtain various case clusters.

[0040] In the embodiment of the present invention, each historical termination case includes the basic information of the historical termination policy, and these basic information are used to characterize the historical termination case. The basic information includes the termination policy, agent, customer, complaint content, insurance type, agent quality and policy value. Specifically, the termination policy refers to the number of the policy, the insurance institution, time and other information; the agent refers to the salesperson in the enterprise who is responsible for the policy; the customer refers to the name of the policyholder of the policy; the complaint content includes the termination reason, such as the insured breach of contract, the policyholder breach of contract, the insurance company breach of contract and the change of contracting risk, etc., and the corresponding termination reason can be selected according to the actual situation of the customer; the insurance types include property insurance, life insurance, health insurance, accident insurance, etc., which can be selected according to the actual situation; the agent quality refers to the attendance rate and performance of the policy salesperson; the policy value refers to the total premium of the policy.

[0041] In the actual implementation process, a wide table is usually constructed, with case as the primary key, all historical termination cases are taken, and the settlement loss rate of each historical termination case is calculated, where settlement loss rate = settlement amount / total policy premium; at the same time, all tags such as policy, agent, customer, etc. are associated with the corresponding policy through the database to form a wide table. If the number of historical termination cases is 1 million, with 100 tags, plus the primary key case number and settlement loss rate, a wide table of 1 million rows * 102 columns is formed.

[0042] Then, the basic information of historical termination cases is normalized to shorten the scope of the basic information to a certain range. The normalization process can eliminate the dimension difference and accelerate the convergence of the subsequent clustering model. Finally, the K-means clustering algorithm is used to classify the basic information of historical termination cases after normalization to obtain various case clusters.

[0043] As an implementation method, the K-means clustering algorithm is used to classify the basic information of the historical termination cases after normalization to obtain various case clusters, and the steps include:

[0044] For each normalized basic information of the historical contract termination case, calculate the first average distance between it and other historical contract termination cases in the same cluster and the second average distance between its nearest neighbor and all historical contract termination cases that do not belong to the same cluster;

[0045] Calculating the silhouette coefficient of each normalized historical contract termination case according to the first average distance and the second average distance;

[0046] The case cluster to which each normalized historical contract termination case belongs is determined based on the silhouette coefficient.

[0047] When the embodiment of the present invention uses K-means for clustering, it first defines the number of case clusters to determine how many case categories these historical termination cases need to be divided into. The number of case clusters can be determined based on business experience, or by the elbow rule, silhouette coefficient, etc. The silhouette coefficient is used as an example to illustrate that it combines the two factors of cohesion and separation.

[0048] The normalized basic information of each historical contract termination case is used to calculate its average clustering distance with other historical contract termination cases in the same case cluster, i.e., the first average distance. In addition, the average clustering distance between it and all historical contract termination cases whose nearest neighbors do not belong to the same case cluster, i.e., the second average distance, is also calculated.

[0049] Then, based on the first average distance and the second average distance, the silhouette coefficient of each normalized historical termination case is calculated using the following formula:

[0050] S i =(b i -a i ) / max(a i ,b i ),

[0051] Among them, S i represents the silhouette coefficient of the normalized historical termination case, i is a positive integer, a i represents the first average distance of the normalized historical termination case, b i represents the second average distance of the i-th normalized historical termination case.

[0052] Finally, based on the silhouette coefficient, the case cluster to which each normalized historical termination case belongs is determined.

[0053] S20: for each insurance institution at different locations of the enterprise, count the historical termination cases corresponding to each case cluster of each insurance institution in each time period, and calculate the settlement loss rate and complaint rate of each case cluster of each insurance institution in each time period;

[0054] Because the total premium of the same insurance policy may be different in different cities at different times, the settlement amount of such insurance policy may also be different when the policy is surrendered. In the embodiment of the present invention, the influence of location and time also needs to be considered when determining the settlement amount.

[0055] Usually, a company will have insurance agencies in different cities. For all the classified historical termination cases of the company, the historical termination cases corresponding to the location of each insurance agency and each case cluster in each time period are counted according to the insurance agency signed by the policy and the termination time in the historical termination cases. In addition, the settlement loss rate and complaint rate of each case cluster in each time period of each insurance agency are calculated.

[0056] Among them, the negotiated settlement loss rate of historical termination cases = negotiated settlement amount / total policy premium; the negotiated settlement loss rate of each case cluster is the average of the negotiated settlement loss rates of all historical termination cases in the case cluster; the complaint rate of each case cluster = the number of user complaint policies / the number of all historical termination cases in the case cluster.

[0057] The time period is a pre-set period of time, such as statistics every 15 days or every month. In the embodiment of the present invention, statistics are performed on a monthly basis, that is, historical termination cases corresponding to each case cluster of each insurance institution are counted.

[0058] S30: For the cases to be terminated, according to the location and termination time of the cases to be terminated, the locations of each insurance institution and each time period are matched respectively to obtain the target insurance institution and the target time period;

[0059] When there is a new case to be terminated, the basic information of the case to be terminated is obtained, and then the location and termination time of the case to be terminated are extracted from the basic information, and the location of the case to be terminated is matched with the location of each insurance institution one by one to determine the target insurance institution; then the termination time of the case to be terminated is matched with each time period one by one to determine the target time period. For example, when the location of the case to be terminated is Shenzhen, the target insurance institution is Shenzhen; when the location of the case to be terminated is Qianjiang City, but the enterprise has not set up an insurance institution in Qianjiang City, the insurance institutions set up in Xiantao City, Tianmen City and other locations in Hubei Province with the same economic level as Qianjiang City are used as target insurance institutions. When the termination time of the case to be terminated occurs in March, the target time period is also March, and when the termination time of the case to be terminated occurs in August, the target time period is also August.

[0060] S40: Calculate the similarity between the case to be terminated and each case cluster of the target insurance institution in the target time period to determine the target case cluster;

[0061] After determining the target insurance institution and the target time period, each case cluster of the target insurance institution's target time period is obtained, and the similarity between the case to be terminated and the center point of each case cluster is calculated respectively, and the case cluster with a similarity greater than a preset similarity threshold is taken as the target case cluster. The specific value of the preset similarity threshold can be determined according to actual conditions, and the embodiment of the present invention does not specifically limit this.

[0062] S50: Determine the settlement amount for the case to be terminated according to the settlement loss rate and complaint rate of each target case cluster.

[0063] Finally, based on the settlement loss rate and complaint rate of each target case cluster, an optimal case cluster that meets the current settlement standards is selected from the target case clusters, and the settlement amount of the case to be terminated is determined based on the settlement amounts of historical termination cases in the optimal case cluster.

[0064] Generally speaking, the loss rate of settlement and the complaint rate are mutually exclusive. The higher the loss rate of settlement, the lower the complaint rate. The lower the loss rate of settlement, the higher the complaint rate. In the actual implementation process, according to the policy requirements of the enterprise, the settlement standards will also change. For example, sometimes a low loss rate of settlement is required, sometimes a balance between the loss rate of settlement and the complaint rate is required, and sometimes a low complaint rate is required. Different settlement standards correspond to different settlement fees. Therefore, it is necessary to determine the settlement fee for the pending termination case based on the settlement standards.

[0065] For example, when the coordination standard is a balance between the coordination loss rate and the complaint rate, the coordination loss rate and complaint rate of each target case cluster are used to calculate the balance value of each target case cluster, wherein the balance value of each target case cluster is calculated based on the coordination loss rate and complaint rate of each target case cluster, and the calculation formula is as follows:

[0066] f=2*(XT) / (X+T),

[0067] Wherein, f represents the balance value, X represents the coordination loss rate, and T represents the complaint rate.

[0068] According to the balance value, the target case cluster with the largest balance value is selected as the optimal case cluster, and the settlement amount of the case to be terminated is determined according to the settlement amounts of historical termination cases in the optimal case cluster.

[0069] In the scheme implemented by the above-mentioned method for calculating the settlement money for termination of insurance agreements, all historical termination cases of the enterprise are first collected, and the historical termination cases are clustered to obtain various case clusters; then, according to each insurance institution in different locations of the enterprise, the historical termination cases corresponding to each case cluster of each insurance institution in each time period are counted, and then the settlement loss rate and complaint rate of each case cluster of each insurance institution in each time period are calculated; when there are cases to be terminated, the location and termination time of the cases to be terminated are matched with the location of each insurance institution and each time period respectively, and the target insurance institutions and target time periods are screened out; finally, according to each case cluster of the target insurance institution and the target time period, the settlement money for the cases to be terminated is determined.

[0070] The embodiment of the present invention selects the target insurance institution and the target time period according to the location and termination time of the case to be terminated, thereby ensuring the consistency of the settlement funds in the same location and the same time period, overcoming the differences in settlement funds caused by factors such as region and time, and improving the accuracy of calculating the settlement funds; in addition, the settlement funds of the case to be terminated are determined according to the settlement loss rate and complaint rate of the selected target case cluster, further improving the accuracy of the settlement funds. An objective and accurate settlement fund determination scheme for insurance policy complaint cases is proposed through intelligent and refined calculation methods and big data analysis, which not only significantly improves the efficiency of settlement processing of insurance complaint cases, but also enhances the transparency and credibility of settlement, while minimizing the company's losses and protecting the rights and interests of customers, helping to enhance the brand image and customer loyalty of insurance companies, and providing technical support for the sustainable development of the insurance industry.

[0071] It should be understood that the order of execution of the steps in the above embodiment does not necessarily mean the order of execution. The execution order of each process should be determined by its function and internal logic, and should not constitute any limitation on the implementation process of the embodiment of the present invention.

[0072] In one embodiment, a settlement fee calculation device for insurance agreement termination is provided, and the settlement fee calculation device for insurance agreement termination corresponds to the settlement fee calculation method for insurance agreement termination in the above embodiment. Figure 3 As shown, the insurance agreement termination settlement fund calculation device includes a collection module 301, a classification module 302, a matching module 303, a similarity module 304 and a determination module 305. The detailed description of each functional module is as follows:

[0073] A collection module 301 is used to collect all historical contract termination cases of the enterprise, cluster the historical contract termination cases, and obtain case clusters of various types, wherein the case clusters include multiple historical contract termination cases of the same type;

[0074] The classification module 302 is used to count the historical termination cases corresponding to each case cluster of each insurance institution in each time period for each insurance institution at different locations of the enterprise, and calculate the settlement loss rate and complaint rate of each case cluster of each insurance institution in each time period;

[0075] The matching module 303 is used to match the case to be terminated with the location of each insurance institution and each time period according to the location and termination time of the case to be terminated, so as to obtain the target insurance institution and the target time period;

[0076] A similarity module 304 is used to calculate the similarity between the case to be terminated and each case cluster of the target insurance institution in the target time period, and determine the target case cluster;

[0077] The determination module 305 is used to determine the settlement amount of the case to be terminated according to the settlement loss rate and complaint rate of each target case cluster.

[0078] In one embodiment, the acquisition module 301 is specifically used for:

[0079] Normalizing the basic information of the historical termination cases;

[0080] The K-means clustering algorithm is used to classify the basic information of the historical termination cases after normalization to obtain various case clusters.

[0081] The K-means clustering algorithm is used to classify the basic information of the historical termination cases after normalization to obtain various case clusters, and the steps include:

[0082] For each normalized basic information of the historical contract termination case, calculate the first average distance between it and other historical contract termination cases in the same cluster and the second average distance between its nearest neighbor and all historical contract termination cases that do not belong to the same cluster;

[0083] Calculating the silhouette coefficient of each normalized historical contract termination case according to the first average distance and the second average distance;

[0084] The case cluster to which each normalized historical contract termination case belongs is determined based on the silhouette coefficient.

[0085] The contour coefficient of each normalized historical termination case is calculated based on the first average distance and the second average distance, and the calculation formula is as follows:

[0086] Si=(bi-ai) / max(ai,bi),

[0087] Among them, S irepresents the silhouette coefficient of the normalized historical termination case, i is a positive integer, a i represents the first average distance of the normalized historical termination case, b i represents the second average distance of the i-th normalized historical termination case.

[0088] In one embodiment, the determination module 305 is specifically configured to:

[0089] Calculate the equilibrium value of each target case cluster based on the coordination loss rate and complaint rate of each target case cluster;

[0090] And based on the balance value, determine the settlement money for the case to be terminated.

[0091] The balance value of each target case cluster is calculated based on the coordination loss rate and complaint rate of each target case cluster, and the calculation formula is as follows:

[0092] f=2*(XT) / (X+T),

[0093] Wherein, f represents the balance value, X represents the coordination loss rate, and T represents the complaint rate.

[0094] In one embodiment, the acquisition module 301 is further used for:

[0095] The historical termination cases corresponding to each case cluster of each insurance institution within each month are dynamically updated at monthly intervals.

[0096] The present invention provides a settlement money calculation device for insurance agreement termination. The device first collects all historical termination cases of an enterprise, and clusters the historical termination cases to obtain various case clusters; then, according to each insurance institution at different locations of the enterprise, the historical termination cases corresponding to each case cluster of each insurance institution in each time period are counted, and then the settlement loss rate and complaint rate of each case cluster of each insurance institution in each time period are calculated; when there are cases to be terminated, the location and termination time of the cases to be terminated are matched with the location of each insurance institution and each time period respectively, and the target insurance institutions and target time periods are screened out; finally, according to each case cluster of the target insurance institutions and the target time period, the settlement money of the cases to be terminated is determined.

[0097] The embodiment of the present invention selects the target insurance institution and the target time period according to the location and termination time of the case to be terminated, thereby ensuring the consistency of the settlement funds in the same location and the same time period, overcoming the differences in settlement funds caused by factors such as region and time, and improving the accuracy of calculating the settlement funds; in addition, the settlement funds of the case to be terminated are determined according to the settlement loss rate and complaint rate of the selected target case cluster, further improving the accuracy of the settlement funds. An objective and accurate settlement fund determination scheme for insurance policy complaint cases is proposed through intelligent and refined calculation methods and big data analysis, which not only significantly improves the efficiency of settlement processing of insurance complaint cases, but also enhances the transparency and credibility of settlement, while minimizing the company's losses and protecting the rights and interests of customers, helping to enhance the brand image and customer loyalty of insurance companies, and providing technical support for the sustainable development of the insurance industry.

[0098] For the specific limitations of the settlement fund calculation device for insurance agreement termination, please refer to the limitations of the intelligent question and answer method above, which will not be repeated here. Each module in the above-mentioned settlement fund calculation device for insurance agreement termination can be implemented in whole or in part through software, hardware and a combination thereof. The above-mentioned modules can be embedded in or independent of the processor in the computer device in the form of hardware, or can be stored in the memory of the computer device in the form of software, so that the processor can call and execute the operations corresponding to the above modules.

[0099] In one embodiment, a computer device is provided. The computer device may be a server, and its internal structure diagram may be as follows: Figure 4 As shown. The computer device includes a processor, a memory, a network interface and a database connected via a system bus. The processor of the computer device is used to provide computing and control capabilities. The memory of the computer device includes a non-volatile and / or volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system, a computer program and a database. The internal memory provides an environment for the operation of the operating system and the computer program in the non-volatile storage medium. The network interface of the computer device is used to communicate with an external client via a network connection. When the computer program is executed by the processor, it implements the functions or steps on the service side of a method for calculating the settlement amount for the termination of an insurance agreement.

[0100] In one embodiment, a computer device is provided. The computer device may be a client, and its internal structure diagram may be as follows: Figure 5As shown. The computer device includes a processor, a memory, a network interface, a display screen and an input device connected via a system bus. The processor of the computer device is used to provide computing and control capabilities. The memory of the computer device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system and a computer program. The internal memory provides an environment for the operation of the operating system and the computer program in the non-volatile storage medium. The network interface of the computer device is used to communicate with an external server via a network connection. When the computer program is executed by the processor, it implements the functions or steps on the client side of a method for calculating the settlement amount of an insurance agreement termination.

[0101] In one embodiment, a computer device is provided, including a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor implements the following steps when executing the computer program:

[0102] Collect all historical contract termination cases of the enterprise, cluster the historical contract termination cases, and obtain various case clusters, wherein the case clusters include multiple historical contract termination cases of the same type;

[0103] For each insurance institution at different locations of the enterprise, the historical termination cases corresponding to each case cluster of each insurance institution in each time period are counted, and the settlement loss rate and complaint rate of each case cluster of each insurance institution in each time period are calculated;

[0104] For the cases to be terminated, according to the location and termination time of the cases to be terminated, they are matched with the location of each insurance institution and each time period to obtain the target insurance institution and target time period;

[0105] Calculate the similarity between the case to be terminated and each case cluster of the target insurance institution in the target time period to determine the target case cluster;

[0106] The settlement money for the cases to be terminated is determined based on the settlement loss rate and complaint rate of each target case cluster.

[0107] In one embodiment, a computer readable storage medium is provided, on which a computer program is stored, and when the computer program is executed by a processor, the following steps are implemented:

[0108] Collect all historical contract termination cases of the enterprise, cluster the historical contract termination cases, and obtain various case clusters, wherein the case clusters include multiple historical contract termination cases of the same type;

[0109] For each insurance institution at different locations of the enterprise, the historical termination cases corresponding to each case cluster of each insurance institution in each time period are counted, and the settlement loss rate and complaint rate of each case cluster of each insurance institution in each time period are calculated;

[0110] For the cases to be terminated, according to the location and termination time of the cases to be terminated, they are matched with the location of each insurance institution and each time period to obtain the target insurance institution and target time period;

[0111] Calculate the similarity between the case to be terminated and each case cluster of the target insurance institution in the target time period to determine the target case cluster;

[0112] The settlement money for the cases to be terminated is determined based on the settlement loss rate and complaint rate of each target case cluster.

[0113] It should be noted that the above functions or steps that can be implemented by the computer-readable storage medium or computer device can refer to the relevant descriptions on the server side and the client side in the aforementioned method embodiment. To avoid repetition, they will not be described one by one here.

[0114] Those skilled in the art can understand that all or part of the processes in the above-mentioned embodiment methods can be completed by instructing the relevant hardware through a computer program, and the computer program can be stored in a non-volatile computer-readable storage medium. When the computer program is executed, it can include the processes of the embodiments of the above-mentioned methods. Among them, any reference to memory, storage, database or other media used in the embodiments provided in this application can include non-volatile and / or volatile memory. Non-volatile memory can include read-only memory (ROM), programmable ROM (PROM), electrically programmable ROM (EPROM), electrically erasable programmable ROM (EEPROM) or flash memory. Volatile memory can include random access memory (RAM) or external cache memory. As an illustration and not limitation, RAM is available in many forms, such as static RAM (SRAM), dynamic RAM (DRAM), synchronous DRAM (SDRAM), double data rate SDRAM (DDRSDRAM), enhanced SDRAM (ESDRAM), synchronous link (Synchlink) DRAM (SLDRAM), memory bus (Rambus) direct RAM (RDRAM), direct memory bus dynamic RAM (DRDRAM), and memory bus dynamic RAM (RDRAM).

[0115] Those skilled in the art can clearly understand that for the convenience and simplicity of description, only the division of the above-mentioned functional units and modules is used as an example. In actual applications, the above-mentioned functions can be distributed and completed by different functional units and modules as needed, that is, the internal structure of the device can be divided into different functional units or modules to complete all or part of the functions described above.

[0116] The embodiments described above are only used to illustrate the technical solutions of the present invention, rather than to limit the same. Although the present invention has been described in detail with reference to the aforementioned embodiments, those skilled in the art should understand that the technical solutions described in the aforementioned embodiments may still be modified, or some of the technical features may be replaced by equivalents. Such modifications or replacements do not deviate the essence of the corresponding technical solutions from the spirit and scope of the technical solutions of the embodiments of the present invention, and should all be included in the protection scope of the present invention.

Claims

1. A method for calculating the settlement fee for the termination of an insurance agreement, characterized in that: include: Collect all historical contract termination cases of the enterprise, cluster the historical contract termination cases, and obtain various case clusters, wherein the case clusters include multiple historical contract termination cases of the same type; For each insurance institution at different locations of the enterprise, the historical termination cases corresponding to each case cluster of each insurance institution in each time period are counted, and the settlement loss rate and complaint rate of each case cluster of each insurance institution in each time period are calculated; For the cases to be terminated, according to the location and termination time of the cases to be terminated, they are matched with the location of each insurance institution and each time period to obtain the target insurance institution and target time period; Calculate the similarity between the case to be terminated and each case cluster of the target insurance institution in the target time period to determine the target case cluster; The settlement money for the cases to be terminated is determined based on the settlement loss rate and complaint rate of each target case cluster.

2. The method for calculating the settlement fee for insurance contract termination according to claim 1, characterized in that: The historical termination cases include basic information of historical termination policies, and the basic information includes termination policies, agents, customers, complaint content, insurance types, agent quality and policy value. The steps of collecting all historical termination cases of the enterprise and clustering the historical termination cases to obtain various case clusters include: Normalizing the basic information of the historical termination cases; The K-means clustering algorithm is used to classify the basic information of the historical termination cases after normalization to obtain various case clusters.

3. The method for calculating the settlement fee for insurance contract termination according to claim 2, characterized in that: The K-means clustering algorithm is used to classify the basic information of the historical termination cases after normalization to obtain various case clusters, and the steps include: For each normalized basic information of the historical contract termination case, calculate the first average distance between it and other historical contract termination cases in the same cluster and the second average distance between its nearest neighbor and all historical contract termination cases that do not belong to the same cluster; Calculating the silhouette coefficient of each normalized historical contract termination case according to the first average distance and the second average distance; The case cluster to which each normalized historical contract termination case belongs is determined based on the silhouette coefficient.

4. The method for calculating the settlement fee for insurance contract termination according to claim 3, characterized in that: The contour coefficient of each normalized historical termination case is calculated based on the first average distance and the second average distance, and the calculation formula is as follows: Si=(bi-ai) / max(ai,bi), Among them, S i represents the silhouette coefficient of the normalized historical termination case, i is a positive integer, a i represents the first average distance of the normalized historical termination case, b i represents the second average distance of the i-th normalized historical termination case.

5. The method for calculating the settlement fee for insurance contract termination according to claim 1, characterized in that: The steps of determining the settlement money of the case to be terminated according to the settlement loss rate, complaint rate and preset settlement standard of each target case cluster include: Calculate the equilibrium value of each target case cluster based on the coordination loss rate and complaint rate of each target case cluster; And based on the balance value, determine the settlement money for the case to be terminated.

6. The method for calculating the settlement fee for insurance contract termination according to claim 5, characterized in that: The balance value of each target case cluster is calculated based on the coordination loss rate and complaint rate of each target case cluster. The calculation formula is as follows: f=2*(X-T) / (X+T), Wherein, f represents the balance value, X represents the coordination loss rate, and T represents the complaint rate.

7. The method for calculating the settlement fee for insurance contract termination according to any one of claims 1 to 6, characterized in that: The time period is one month, and the steps of counting the historical termination cases corresponding to each case cluster of each insurance institution in each time period include: The historical termination cases corresponding to each case cluster of each insurance institution within each month are dynamically updated at monthly intervals.

8. A device for calculating the settlement fee for insurance contract termination, characterized in that: include: A collection module is used to collect all historical contract termination cases of the enterprise, cluster the historical contract termination cases, and obtain various case clusters, wherein the case clusters include multiple historical contract termination cases of the same category; A classification module is used to count the historical termination cases corresponding to each case cluster of each insurance institution in each time period for each insurance institution at different locations of the enterprise, and calculate the settlement loss rate and complaint rate of each case cluster of each insurance institution in each time period; A matching module, for matching the pending termination cases with the location of each insurance institution and each time period according to the location and termination time of the pending termination cases, to obtain a target insurance institution and a target time period; A similarity module, used to calculate the similarity between the case to be terminated and each case cluster of the target insurance institution in the target time period, and determine the target case cluster; The determination module is used to determine the settlement money of the case to be terminated according to the settlement loss rate and complaint rate of each target case cluster.

9. A computer device comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, characterized in that: When the processor executes the computer program, the steps of the method for calculating the settlement money for the termination of an insurance agreement as described in any one of claims 1 to 7 are implemented.

10. A computer-readable storage medium storing a computer program, characterized in that: When the computer program is executed by a processor, the steps of the method for calculating the settlement money for the termination of an insurance agreement as described in any one of claims 1 to 7 are implemented.

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