Scoring processing method and device, electronic equipment and storage medium

Abstract

The invention provides a score processing method and device, electronic equipment and a storage medium, and can be applied to the technical field of finance, and the method can obtain an initial insurance renewal score of a target user in the current insurance renewal evaluation under the condition that the target user has historical insurance renewal scores of multiple historical insurance renewal evaluations, the historical insurance renewal scores in the second and later historical insurance renewal evaluations are obtained by adjusting the trend score obtained in the current historical insurance renewal evaluation; according to the plurality of historical insurance renewal scores and the initial insurance renewal score, performing insurance renewal score-based trend score calculation on each insurance renewal evaluation including the current insurance renewal evaluation and the previous insurance renewal evaluation; performing score adjustment processing on the initial insurance renewal score according to the obtained trend score to obtain a target insurance renewal score of the current insurance renewal evaluation; and determining an insurance renewal strategy of the current insurance renewal of the target user according to the target insurance renewal score. According to the embodiment of the invention, the accuracy of the determined insurance renewal strategy can be improved.

Description

Technical Field

[0001] The present application relates to the field of financial technology, and in particular to a scoring processing method, device, electronic device and storage medium. Background Art

[0002] In related technologies, in order to regulate operational risks, the insurer can determine whether to renew the insurance for the user who has purchased the insurance by evaluating the user. Generally, the insurer can first obtain the renewal score through the renewal evaluation of the user, and then determine the specific renewal strategy for the user (such as renewal, non-renewal, etc.) based on the renewal score and the actual situation of the user's multiple renewals.

[0003] However, existing renewal evaluation technologies do not take into account the actual situation of multiple renewals by users, which may result in a situation where the final renewal strategy does not correspond to the renewal score, resulting in low accuracy of the determined renewal strategy. Summary of the invention

[0004] The main purpose of the embodiments of the present application is to propose a scoring processing method, device, electronic device and storage medium, aiming to improve the accuracy of the determined renewal strategy.

[0005] To achieve the above purpose, a first aspect of an embodiment of the present application proposes a scoring processing method, comprising the following steps: If the target user has historical renewal scores from multiple historical renewal assessments, obtain the target user's initial renewal score in this renewal assessment, wherein the historical renewal scores in the second and subsequent historical renewal assessments are obtained by adjusting the trend scores obtained in the current historical renewal assessment; According to the plurality of historical renewal scores and the initial renewal score, a trend score calculation based on the renewal score is performed for each renewal assessment including the current renewal assessment and the previous renewal assessment to obtain the trend score between each renewal assessment and the previous renewal assessment; Adjust the initial renewal score according to the obtained trend score to obtain a target renewal score for this renewal evaluation; A renewal strategy for the target user's current renewal is determined according to the target renewal score.

[0006] In some embodiments, the calculation of the trend score based on the renewal score for each renewal assessment including the current renewal assessment and the previous renewal assessment to obtain the trend score between each renewal assessment and the previous renewal assessment includes: After obtaining a plurality of trend scores, performing a change rate analysis on each trend score relative to the previous and next trend scores, and determining a trend change difference between the change rate of each trend score relative to the previous trend score and the change rate of each trend score relative to the next trend score; If at least one of the trend change difference values ​​is not less than a preset change difference threshold, a trend score change trend analysis is performed based on the plurality of trend scores to obtain trend score change trend analysis information; The trend score corresponding to the trend change difference that is not less than the change rate threshold is updated according to the trend score change trend analysis information.

[0007] In some embodiments, the step of adjusting the initial renewal score according to the obtained trend score to obtain a target renewal score for this renewal evaluation includes: Performing a renewal score change trend analysis on the initial renewal score according to the trend score change trend analysis information to obtain the renewal score change trend analysis information for the initial renewal score; If the renewal score change trend analysis information indicates that the initial renewal score does not conform to the renewal score change trends of the plurality of historical renewal scores, the renewal evaluation is re-performed to obtain the target renewal score.

[0008] In some embodiments, re-performing the renewal evaluation to obtain the target renewal score includes: If the change rate of the trend score of the current renewal evaluation relative to the previous trend score is greater than a preset change rate threshold, obtaining the first target insurance evaluation data used by the target user in the previous renewal evaluation and the second target insurance evaluation data used in the current renewal evaluation; According to the first target insurance assessment data and the second target insurance assessment data, a current insurance renewal assessment is performed on the target user based on the association relationship between the first target insurance assessment data and the second target insurance assessment data to obtain the target insurance renewal score.

[0009] In one embodiment, after obtaining the renewal score change trend analysis information, the method further includes: In the case where the renewal score change trend analysis information indicates that the initial renewal score conforms to the renewal score change trends of the plurality of historical renewal scores, if the absolute value of the change rate of the trend score of the current renewal evaluation relative to the previous renewal evaluation is less than the absolute value of the change rate of the trend score of the previous renewal evaluation relative to the two previous renewal evaluations of the current renewal evaluation, information on changes in the insurance benefits of the target user between the previous renewal and the current renewal is obtained; If the change information indicates that there is no change in the insurance benefits of the target user between the previous renewal and the current renewal, a re-evaluation of this renewal is conducted based on the insurance benefits of the previous renewal to obtain the target renewal score.

[0010] In some embodiments, the calculation of the trend score based on the renewal score for each renewal assessment including the current renewal assessment and the previous renewal assessment to obtain the trend score between each renewal assessment and the previous renewal assessment includes: After obtaining the plurality of trend scores, obtaining the historical renewal strategy of the target user in each historical renewal; performing a policy bias analysis on the insurer's preference for the target user according to the plurality of historical renewal policies to obtain policy bias analysis information; According to the strategic bias analysis information, the plurality of trend scores are adjusted with respect to the bias.

[0011] In some embodiments, the calculation of the trend score based on the renewal score for each renewal assessment including the current renewal assessment and the previous renewal assessment to obtain the trend score between each renewal assessment and the previous renewal assessment includes: Determine the target user group to which the target user belongs, and obtain multiple historical renewal information of the target user group; Performing a group renewal bias analysis on the target user group according to the plurality of historical renewal information to obtain a group renewal bias coefficient of the target user group; For each renewal assessment, according to the group renewal bias coefficient, a trend score calculation based on the renewal score is performed on the current renewal assessment and the previous renewal assessment to obtain the trend score corresponding to the current renewal assessment.

[0012] To achieve the above-mentioned purpose, a second aspect of an embodiment of the present application proposes a scoring processing device, comprising: A renewal evaluation module, for obtaining the target user's initial renewal score in this renewal evaluation if the target user has multiple historical renewal evaluations corresponding to the historical renewal scores, wherein the historical renewal scores of the second and subsequent historical renewal evaluations are obtained by adjusting the trend scores obtained in the current historical renewal evaluation; a trend score calculation module, configured to calculate a trend score between each renewal assessment including the current renewal assessment and the previous renewal assessment based on the renewal score according to the plurality of historical renewal scores and the initial renewal score, so as to obtain the trend score between each renewal assessment and the previous renewal assessment; A score adjustment module, configured to adjust the initial renewal score according to the obtained trend score to obtain a target renewal score for this renewal evaluation; The renewal strategy determination module is used to determine the renewal strategy of the target user this time according to the target renewal score.

[0013] To achieve the above objectives, a third aspect of an embodiment of the present application proposes an electronic device, which includes a memory and a processor, wherein the memory stores a computer program, and when the processor executes the computer program, the method described in the first aspect is implemented.

[0014] To achieve the above-mentioned purpose, the fourth aspect of an embodiment of the present application proposes a computer-readable storage medium, wherein the computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, the method described in the first aspect is implemented.

[0015] The present application proposes a scoring processing method, device, electronic device and storage medium, the method comprising: if a target user has historical renewal scores of multiple historical renewal evaluations, obtaining an initial renewal score of the target user in this renewal evaluation, wherein the historical renewal scores in the second and subsequent historical renewal evaluations are all obtained by adjusting the trend scores obtained in the current historical renewal evaluation; according to the multiple historical renewal scores and the initial renewal score, performing a trend score calculation based on the renewal score between each renewal evaluation including the current renewal evaluation and the previous renewal evaluation to obtain the trend score between each renewal evaluation and the previous renewal evaluation; performing score adjustment processing on the initial renewal score according to the obtained trend score to obtain a target renewal score for the current renewal evaluation; and determining a renewal strategy for the current renewal of the target user according to the target renewal score. By calculating the trend score between each renewal assessment and the previous renewal assessment through multiple historical renewal scores and initial renewal scores, the actual situation information of multiple renewals can be introduced into this renewal assessment, and thus the current renewal assessment can pay attention to the impact of the actual situation of multiple renewals on the renewal score; in addition, since the historical renewal scores in the second and subsequent historical renewal assessments are adjusted through trend scores, the trend calculation process of this renewal assessment can take into account the trend information obtained in multiple historical renewal assessments, so that the process of calculating trend scores can take into account the trend information obtained in multiple historical renewal assessments, so that the obtained multiple trend scores can more accurately reflect the changing trends between the renewal scores of multiple renewal assessments, and then the multiple trend scores can reflect the changing relationship between multiple renewal situations, so that the target renewal score adjusted by multiple trend scores can more accurately reflect the changes in the renewal attitude of the target users, which is conducive to improving the accuracy of the renewal strategy determined according to the target renewal score. BRIEF DESCRIPTION OF THE DRAWINGS

[0016] Figure 1 is a flow chart of a scoring processing method provided by an embodiment of the present application; Figure 2 yes Figure 1 A flowchart of an embodiment of a sub-step of step 120; Figure 3 yes Figure 1 A flowchart of an embodiment of a sub-step of step 130; Figure 4 yes Figure 3 A flowchart of an embodiment of a sub-step of step 320; Figure 5 yes Figure 1 A flowchart of another sub-step embodiment of step 130; Figure 6 yes Figure 1 A flowchart of another sub-step embodiment of step 120; Figure 7 yes Figure 1 A flowchart of another sub-step embodiment of step 120; Figure 8 is a schematic diagram of the structure of a scoring processing device provided in an embodiment of the present application; Fig. 9 It is a schematic diagram of the hardware structure of the electronic device provided in the embodiment of the present application. DETAILED DESCRIPTION

[0017] In order to make the purpose, technical solution and advantages of the present application more clearly understood, the present application is further described in detail below in conjunction with the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are only used to explain the present application and are not used to limit the present application.

[0018] It should be noted that, although the functional modules are divided in the device schematic diagram and the logical order is shown in the flowchart, in some cases, the steps shown or described may be performed in a different order than the module division in the device or the order in the flowchart. The terms "first", "second", etc. in the specification, claims and the above drawings are used to distinguish similar objects, and are not necessarily used to describe a specific order or sequence.

[0019] Unless otherwise defined, all technical and scientific terms used herein have the same meaning as those commonly understood by those skilled in the art to which this application belongs. The terms used herein are only for the purpose of describing the embodiments of this application and are not intended to limit this application.

[0020] In related technologies, in order to regulate operational risks, the insurer can determine whether to renew the insurance for the user who has purchased the insurance by evaluating the user. Generally, the insurer can first obtain the renewal score through the renewal evaluation of the user, and then determine the specific renewal strategy for the user (such as renewal, non-renewal, etc.) based on the renewal score and the actual situation of the user's multiple renewals.

[0021] However, existing renewal evaluation technologies do not take into account the actual situation of multiple renewals by users, which may result in a situation where the final renewal strategy does not correspond to the renewal score, resulting in low accuracy of the determined renewal strategy.

[0022] In order to improve the accuracy of the determined renewal strategy, the embodiments of the present application provide a scoring processing method, a scoring processing device, an electronic device, and a computer-readable storage medium. The method can obtain the initial renewal score of the target user in the current renewal evaluation when the target user has historical renewal scores of multiple historical renewal evaluations, wherein the historical renewal scores in the second and subsequent historical renewal evaluations are all obtained by adjusting the trend scores obtained in the current historical renewal evaluation; based on the multiple historical renewal scores and the initial renewal score, a trend score calculation based on the renewal score is performed for each renewal evaluation including the current renewal evaluation and the previous renewal evaluation to obtain a trend score between each renewal evaluation and the previous renewal evaluation; the initial renewal score is score-adjusted according to the obtained trend score to obtain a target renewal score for the current renewal evaluation; and the renewal strategy of the target user is determined according to the target renewal score. By calculating the trend score between each renewal assessment and the previous renewal assessment through multiple historical renewal scores and initial renewal scores, the actual situation information of multiple renewals can be introduced into this renewal assessment, and thus the current renewal assessment can pay attention to the impact of the actual situation of multiple renewals on the renewal score; in addition, since the historical renewal scores in the second and subsequent historical renewal assessments are adjusted through trend scores, the trend calculation process of this renewal assessment can take into account the trend information obtained in multiple historical renewal assessments, so that the process of calculating trend scores can take into account the trend information obtained in multiple historical renewal assessments, so that the obtained multiple trend scores can more accurately reflect the changing trends between the renewal scores of multiple renewal assessments, and then the multiple trend scores can reflect the changing relationship between multiple renewal situations, so that the target renewal score adjusted by multiple trend scores can more accurately reflect the changes in the renewal attitude of the target users, which is conducive to improving the accuracy of the renewal strategy determined according to the target renewal score.

[0023] A scoring processing method, device, electronic device and storage medium provided in the embodiments of the present application are specifically described through the following embodiments. First, the scoring processing method in the embodiments of the present application is described.

[0024] The scoring processing method provided in the embodiment of the present application relates to the field of financial technology. The scoring processing method provided in the embodiment of the present application can be applied to a terminal, can be applied to a server side, or can be software running in a terminal or a server side. In some embodiments, the terminal can be a smart phone, a tablet computer, a laptop computer, a desktop computer, etc.; the server side can be configured as an independent physical server, or a server cluster or a distributed system composed of multiple physical servers, or a cloud server that provides basic cloud computing services such as cloud services, cloud databases, cloud computing, cloud functions, cloud storage, network services, cloud communications, middleware services, domain name services, security services, CDN, and big data and artificial intelligence platforms; the software can be an application that implements the scoring processing method, etc., but is not limited to the above forms.

[0025] The present application can be used in many general or special computer system environments or configurations. For example: personal computers, server computers, handheld or portable devices, tablet devices, multiprocessor systems, microprocessor-based systems, set-top boxes, programmable consumer electronics, network PCs, minicomputers, mainframe computers, distributed computing environments including any of the above systems or devices, etc. The present application can be described in the general context of computer-executable instructions executed by a computer, such as program modules. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform specific tasks or implement specific abstract data types. The present application can also be practiced in distributed computing environments, in which tasks are performed by remote processing devices connected through a communication network. In a distributed computing environment, program modules can be located in local and remote computer storage media including storage devices.

[0026] It should be noted that in each specific implementation of the present application, when it comes to the need to perform relevant processing based on data related to user identity or characteristics such as user information, user behavior data, user historical data, and user location information, the user's permission or consent will be obtained first, and the collection, use, and processing of these data will comply with relevant laws, regulations, and standards. In addition, when the embodiment of the present application needs to obtain the user's sensitive personal information, the user's separate permission or consent will be obtained through a pop-up window or by jumping to a confirmation page. After clearly obtaining the user's separate permission or consent, the necessary user-related data for the normal operation of the embodiment of the present application will be obtained.

[0027] See also Figure 1 , Figure 1 The flowchart of a scoring processing method provided by an embodiment of the present application is shown. In the embodiment of the present application, the scoring processing method may include steps 110 to 140.

[0028] Step 110: If the target user has multiple historical renewal scores in historical renewal evaluations, obtain the target user's initial renewal score in this renewal evaluation, wherein the historical renewal scores in the second and subsequent historical renewal evaluations are all obtained by adjusting the trend scores obtained in the current historical renewal evaluation; Step 120: Calculate the trend score between each renewal assessment including the current renewal assessment and the previous renewal assessment based on the renewal score according to the multiple historical renewal scores and the initial renewal score, and obtain the trend score between each renewal assessment and the previous renewal assessment; Step 130: adjusting the initial renewal score according to the obtained trend score to obtain a target renewal score for this renewal evaluation; Step 140: Determine the renewal strategy for the target user's current renewal based on the target renewal score.

[0029] In one embodiment, the renewal score refers to a score used to indicate that a renewal assessment is performed based on various insurance assessment data of the user, and that the score can be used to classify different insurance operation risk levels. The insurance assessment data may include the user's behavior habits, the use of insurance benefits, etc., which are not specifically limited here. In addition, a renewal assessment can obtain a final renewal score.

[0030] In one embodiment, the historical renewal score refers to the final renewal score of a previous renewal completed by the user before the current renewal.

[0031] In one embodiment, the trend score refers to a numerical value used to indicate the renewal score change trend shown by the multiple renewal scores currently available in the current renewal evaluation. Among them, the multiple renewal scores currently available refer to the initial renewal score obtained in the current renewal and the historical renewal score finally obtained in each historical renewal evaluation. Among them, the calculation method of the trend score obtained in the second and subsequent historical renewal evaluations can be the same as step 120, or can be different, etc., which is not specifically limited here. In addition, the specific trend score has positive and negative values, which can be used to indicate the upward or downward trend represented by the trend score. For example, a positive trend score can indicate that the renewal score is on an upward trend, and a negative trend score can indicate that the renewal score is on a downward trend, or the opposite situation, etc., which is not specifically limited here.

[0032] In one embodiment, the historical renewal score in the second and subsequent historical renewal evaluations is adjusted by the trend score calculated in the current historical renewal evaluation, which means that the historical renewal score in the second or subsequent historical renewals of the user carries the trend information between the renewal score of the current historical renewal and the renewal score of the previous historical renewal. Specifically, since the historical renewal score in the second and subsequent historical renewal evaluations is adjusted by the trend score, the trend score calculation of the third and subsequent historical renewal evaluations can take into account the trend information carried by the historical renewal score of the previous historical renewal evaluation, that is, the more renewal times, the more detailed the trend information that can be referenced, which is beneficial to analyze the renewal evaluation of the current renewal evaluation relative to the previous multiple historical evaluations.

[0033] In one embodiment, calculating the trend score based on the renewal score for each renewal assessment including the current renewal assessment and the previous renewal assessment to obtain the trend score between each renewal assessment and the previous renewal assessment refers to calculating the trend score between the renewal score of each renewal assessment and the renewal score in the previous renewal assessment. Since the first renewal assessment does not have a corresponding previous renewal assessment, the trend score corresponding to the first renewal assessment is 0.

[0034] In one embodiment, in the process of calculating a trend score based on the renewal score between each renewal assessment including the current renewal assessment and the previous renewal assessment to obtain a trend score between each renewal assessment and the previous renewal assessment, the trend score between the renewal score of each renewal assessment and the renewal score in the previous renewal assessment may be specifically calculated by the following formula.

[0035] Y=[F(a)-F(a-1) / F(a)]*100; Where Y can be used to represent the trend score between the ath renewal assessment and the a-1th renewal assessment, where a is a positive integer; F(a) can be used to represent the renewal score obtained in the a-th renewal assessment. When the a-th renewal assessment is a historical renewal assessment, F(a) is the historical renewal score. When the a-th renewal assessment is the current renewal assessment, F(a) is the initial renewal score. F(a-1) can be used to represent the renewal score obtained from the a-1th renewal assessment, where when a=1, F(a-1)=0.

[0036] In one embodiment, in the process of adjusting the initial renewal score according to the obtained trend score to obtain the target renewal score for the current renewal evaluation, specifically, when there is only one trend score, the initial renewal score and the trend score are summed to obtain the target renewal score for the current renewal evaluation; when there are multiple trend scores, the average value of the multiple trend scores is first determined, and then the initial renewal score and the average value of the multiple trend scores are summed to obtain the target renewal score for the current renewal evaluation.

[0037] In one embodiment, the renewal evaluation is performed through a pre-trained renewal evaluation model. In the process of adjusting the initial renewal score according to the obtained trend score to obtain the target renewal score of this renewal evaluation, the trend score can be used as reference information and input into the renewal evaluation model together with the information required for the renewal evaluation, so that the renewal evaluation model outputs the target renewal score. The renewal evaluation model can be a clustering model, a deep learning model, etc., which is not limited here.

[0038] In one embodiment, determining the renewal strategy for the target user's current renewal based on the target renewal score means first determining the target insurance operation risk of the target user using the insurance operation risk level corresponding to the target renewal score, and then determining the preset renewal strategy corresponding to the target insurance operation level as the renewal strategy used in the current renewal of the target user. The renewal strategy refers to the renewal method given by the insurance party when the target user wants to renew the insurance. The target user's current renewal strategy may include one policy content or multiple policy contents, which are not specifically limited here.

[0039] See also Figure 2 , Figure 2 Shows Figure 1 In the process of a sub-step embodiment of step 120, in one embodiment, step 120 may include the following steps.

[0040] Step 210: After obtaining a plurality of trend scores, performing a change rate analysis on each trend score relative to the previous and next trend scores to determine a trend change difference between the change rate of each trend score relative to the previous trend score and the change rate of each trend score relative to the next trend score; Step 220: If at least one trend change difference is not less than a preset change difference threshold, a trend score change trend analysis is performed based on multiple trend scores to obtain trend score change trend analysis information; Step 230: According to the trend score change trend analysis information, the trend score corresponding to the trend change difference that is not less than the change rate threshold is updated.

[0041] In one embodiment, in the process of analyzing the rate of change of each trend score relative to the previous and next trend scores, determining the rate of change of each trend score relative to the previous trend score and the trend change difference between the rate of change of each trend score relative to the next trend score, for each trend score, the rate of change of the trend score relative to the previous trend score of the trend score can be calculated first, and then the rate of change of the trend score relative to the next trend score of the trend score can be calculated, and then the rate of change of the trend score relative to the next trend score of the trend score and the rate of change relative to the previous trend score of the trend score can be calculated to obtain the trend change difference of the trend score. The trend change difference can be used to represent the change between three consecutive trend scores. For example, if the trend change difference is small, it can be considered that the change between the three consecutive trend scores is relatively smooth, and if the trend change difference is large, it can be considered that there is a certain mutation between the three consecutive trend scores, etc., which are not specifically limited here. In addition, for the first trend score, the previous trend score of the trend score is 0.

[0042] In one embodiment, performing trend score change trend analysis based on multiple trend scores to obtain trend score change trend analysis information refers to an operation of inputting multiple trend scores as input information into a pre-trained trend score change trend analysis model, and allowing the trend score change trend analysis model to output trend score change trend analysis information. The trend score change trend analysis information refers to information used to indicate the trend score change trend formed by multiple trend scores.

[0043] In one embodiment, updating the trend score corresponding to the trend change difference that is not less than the change rate threshold according to the trend score change trend analysis information refers to predicting the target update trend score of the trend score corresponding to each trend change difference that is not less than the change rate threshold according to the trend score change trend analysis information, and then updating the target update trend score of the trend score corresponding to each trend change difference that is not less than the change rate threshold to the trend score corresponding to each trend change difference that is not less than the change rate threshold. Among them, the trend change difference formed by the updated trend score and the previous and next trend scores can still be not less than the change rate threshold, or can be less than the change rate threshold, which is not specifically limited here.

[0044] In one embodiment, when the trend change difference between an updated trend score and the previous and next trend scores is still not less than the change rate threshold, the updated trend score is kept unchanged and the trend score change trend analysis information is no longer used to update the updated trend score.

[0045] In one embodiment, if there is no trend change difference value that is not less than the change difference threshold, step 130 is executed.

[0046] For renewal evaluation, under the same evaluation conditions for target customers, the annual renewal score should gradually increase or decrease, and there will be no sudden change in the renewal score. When a sudden change in the renewal score occurs, it can be known that the evaluation conditions of the current renewal evaluation have changed. If such renewal evaluation conditions continue to be used in subsequent renewal evaluations, then the trend change difference corresponding to the next renewal evaluation of this renewal evaluation will be less than the change rate threshold. If such renewal evaluation conditions will not be used in subsequent renewal evaluations, the trend change difference corresponding to the next renewal evaluation of this renewal evaluation will still be no less than the change rate threshold, and the trend change difference corresponding to the next two renewal evaluations of this renewal evaluation will be less than the change rate threshold. Such a sudden trend score will interfere with the score adjustment process of the initial renewal score. To this end, the change rate analysis can be used to determine whether there are trend scores with mutations among multiple trend scores. In the case of mutations, trend score change trend analysis can be performed. In this way, trend score change trend analysis information representing the overall trend formed by multiple trend scores can be determined. In this way, by updating the trend score corresponding to the trend change difference that is not less than the change rate threshold, the mutation trend score that does not conform to the overall trend can be updated, thereby obtaining a trend score with higher reliability, which is beneficial to reducing the interference of the mutation trend score on the score adjustment processing of the initial renewal score.

[0047] See also Figure 3 , Figure 3 Shows Figure 1 In the process of a sub-step embodiment of step 130, in one embodiment, step 130 may include the following steps.

[0048] Step 310: performing a renewal score change trend analysis on the initial renewal score according to the trend score change trend analysis information, to obtain renewal score change trend analysis information for the initial renewal score; Step 320: If the renewal score change trend analysis information indicates that the initial renewal score does not conform to the renewal score change trends of multiple historical renewal scores, re-perform the renewal evaluation to obtain the target renewal score.

[0049] In one embodiment, the renewal score change trend analysis information for the initial renewal score refers to information used to indicate whether the initial renewal score is consistent with the renewal score trend formed by multiple historical renewal scores based on the historical renewal score of the previous renewal evaluation.

[0050] In one embodiment, performing renewal score change trend analysis on the initial renewal score according to the trend score change trend analysis information refers to an operation of analyzing whether the initial renewal score conforms to the renewal score trend formed by multiple historical renewal scores according to the trend score change trend analysis information.

[0051] In one embodiment, in the process of analyzing the renewal score change trend of the initial renewal score according to the trend score change trend analysis information and obtaining the renewal score change trend analysis information for the initial renewal score, the initial renewal score can be predicted according to the trend score change trend analysis information and multiple historical renewal scores to obtain the initial predicted renewal score, and then the similarity between the initial predicted renewal score and the currently obtained initial renewal score is calculated, and the renewal score change trend analysis information is output according to the similarity. Among them, the initial renewal score prediction can be a deep Q learning (DeepQ-Network, DQN) network, a Transformer model, etc., which is not specifically limited here.

[0052] In one embodiment, if the renewal score change trend analysis information indicates that the initial renewal score is consistent with the renewal score change trends of multiple historical renewal scores, step 140 may be executed.

[0053] By analyzing the renewal score change trend of the initial renewal score, it can be determined whether the initial renewal score is consistent with the renewal score change trend formed by multiple historical renewal scores. In this way, it can be judged whether the initial renewal score is consistent with the existing renewal score change trend. Therefore, if the initial renewal score does not conform to the existing renewal score change trend, the renewal assessment can be re-performed to obtain a more reliable target renewal score.

[0054] See also Figure 4 , Figure 4 Shows Figure 3 In the process of a sub-step embodiment of step 320, in one embodiment, step 320 may include the following steps.

[0055] Step 410: If the change rate of the trend score of the current renewal evaluation relative to the previous trend score is greater than a preset change rate threshold, obtain the first target insurance evaluation data used by the target user in the previous renewal evaluation and the second target insurance evaluation data used in the current renewal evaluation; Step 420: Based on the first target insurance assessment data and the second target insurance assessment data, a renewal assessment is performed on the target user based on the association relationship between the first target insurance assessment data and the second target insurance assessment data to obtain a target renewal score.

[0056] In one embodiment, the first target insurance evaluation data refers to data used to evaluate the target user in the previous renewal evaluation for the target user. The first target insurance evaluation data may be the number of times the target user used the insurance benefits, operating costs, etc. before the previous renewal evaluation, which is not specifically limited here.

[0057] In one embodiment, the second target insurance evaluation data refers to data used to evaluate the target user in the current renewal evaluation for the target user. The second target insurance evaluation data may be the number of times the target user used the insurance benefits, operating costs, etc. before the current renewal evaluation, which is not specifically limited here.

[0058] In one embodiment, according to the first target insurance assessment data and the second target insurance assessment data, a renewal assessment is performed on the target user based on the correlation relationship between the first target insurance assessment data and the second target insurance assessment data to obtain the target renewal score, which means that the first target insurance assessment data and the second target insurance assessment data are firstly subjected to correlation analysis to obtain the correlation relationship between the first target insurance assessment data and the second target insurance assessment data, and then the correlation relationship and the second target insurance assessment data are input into the renewal assessment model, and the renewal assessment is re-performed through the renewal assessment model to obtain the target renewal score.

[0059] By re-conducting this renewal evaluation using the correlation between the first target insurance evaluation data and the second target insurance evaluation data, this renewal evaluation can take into account the implicit change trend information between the first target insurance evaluation data and the second target insurance evaluation data, thereby enabling this renewal evaluation to obtain a more accurate renewal score.

[0060] See also Figure 5 , Figure 5 Shows Figure 1 In the process of another sub-step embodiment of step 130, in one embodiment, after step 310, step 130 may further include the following steps.

[0061] Step 510: When the renewal score change trend analysis information indicates that the initial renewal score conforms to the renewal score change trends of multiple historical renewal scores, if the absolute value of the change rate of the trend score of the current renewal evaluation relative to the previous renewal evaluation is less than the absolute value of the change rate of the trend score of the previous renewal evaluation relative to the previous two renewal evaluations of the current renewal evaluation, obtain the insurance rights and interests change information between the previous renewal and the current renewal of the target user; Step 520: If the change information indicates that there is no change in the insurance benefits of the target user between the last renewal and the current renewal, re-evaluate the current renewal based on the insurance benefits of the last renewal to obtain a target renewal score.

[0062] In one embodiment, the absolute value of the change rate of the trend score of the current renewal assessment relative to the previous renewal assessment is less than the absolute value of the change rate of the trend score of the previous renewal assessment relative to the current renewal assessment two renewal assessments before the current renewal assessment means that, when the change rate of the trend score of the current renewal assessment relative to the previous renewal assessment and the change rate of the trend score of the previous renewal assessment relative to the current renewal assessment two renewal assessments before the current renewal assessment are both positive values, the change rate of the trend score of the current renewal assessment relative to the previous renewal assessment is less than the change rate of the trend score of the previous renewal assessment relative to the current renewal assessment two renewal assessments before the current renewal assessment, and, when the change rate of the trend score of the current renewal assessment relative to the previous renewal assessment and the change rate of the trend score of the previous renewal assessment relative to the current renewal assessment two renewal assessments before the current renewal assessment are both negative values, the change rate of the trend score of the current renewal assessment relative to the previous renewal assessment is greater than the change rate of the trend score of the previous renewal assessment relative to the current renewal assessment two renewal assessments before the current renewal assessment.

[0063] In one embodiment, the change information refers to information used to indicate the difference between the insurance benefits that the target user needs to continue in this renewal and the insurance benefits that have been continued in the previous renewal.

[0064] In one embodiment, re-evaluating the current renewal based on the insurance benefits of the previous renewal refers to the operation of evaluating the renewal score obtained by the insurance assessment data used in the current renewal evaluation under the insurance benefits of the previous renewal based on the insurance benefits of the previous renewal and the insurance assessment data used in the current renewal evaluation.

[0065] In one embodiment, if the change information indicates that a change in insurance benefits occurs between the target user's last renewal and this renewal, the initial renewal score is determined as the target renewal score.

[0066] When the renewal score change trend analysis information indicates that the initial renewal score is consistent with the renewal score change trend of multiple historical renewal scores, if the absolute value of the change rate of the trend score of this renewal assessment relative to the previous renewal assessment is less than the absolute value of the change rate of the trend score of the previous renewal assessment relative to the previous two renewal assessments of this renewal assessment, then it means that the upward trend or downward trend of the initial renewal score relative to the historical renewal score of the previous renewal assessment has changed. At this time, by obtaining the change information, the change of the renewed insurance rights and interests can be known. Since the renewed insurance rights and interests will affect the renewal score to a certain extent, therefore, when the insurance rights and interests change, by re-conducting this renewal assessment based on the insurance rights and interests of the previous renewal, the renewal score can pay more attention to the insurance assessment data used in the renewal assessment, thereby reducing the unexpected decline or increase in the renewal score due to changes in rights and interests, which is conducive to improving the reliability of the target renewal score.

[0067] See also Figure 6 , Figure 6 Shows Figure 1 In the process of another sub-step embodiment of step 120, in one embodiment, step 120 may also include the following steps.

[0068] Step 610: After obtaining multiple trend scores, obtain the historical renewal strategy of each historical renewal of the target user; Step 620: performing a policy bias analysis on the insurer's preference for the target user based on multiple historical renewal policies to obtain policy bias analysis information; Step 630: According to the strategy bias analysis information, multiple trend scores are adjusted according to the bias.

[0069] In one embodiment, the policy bias analysis of the insurer's preference for the target user based on the renewal policies in multiple historical renewal evaluations refers to the operation of analyzing the preference formed for the target user when analyzing multiple renewal policies formulated by the insurer for the target user based on the renewal policy finally obtained by the target user in each historical renewal evaluation.

[0070] In one embodiment, the policy bias analysis information refers to information used to indicate the bias formed for the target user when the insurer formulates multiple renewal policies for the target user.

[0071] In one embodiment, adjusting the bias of multiple trend scores according to the policy bias analysis information means first determining the insurer's bias towards the target user based on the policy bias analysis information, and then adjusting the multiple trend scores according to the insurer's bias towards the target user.

[0072] In one embodiment, in the process of adjusting the bias of multiple trend scores according to the policy bias analysis information, specifically, each trend score can be subjected to bias analysis based on the policy bias analysis information to determine the bias score for each trend score, and then, each trend score and its bias score can be subjected to difference operation to obtain multiple adjusted trend scores. In this way, the trend score can carry the bias information when the insurer specifies the renewal strategy for the target user.

[0073] When the insurer formulates a renewal strategy for the target user, it can make a certain biased adjustment to the renewal strategy content according to the target user's operational risk (for example, some users have a higher operational risk, and the renewal strategy given is more conservative, while some users have a higher operational risk, but the renewal strategy given is the same as that of users with lower operational risk), therefore, the renewal strategy can indirectly reflect the operational risk of the target user and the insurer's preference for the target user. The renewal score is obtained by adjusting the trend score, and the adjusted trend score corresponds to the renewal strategy. Therefore, the trend score can reflect the insurer's preference for the target user in the historical renewal evaluation and the target user's operational risk in the historical renewal evaluation. To this end, the trend score is adjusted for the target user through the strategy bias analysis information, which can weaken the expression of the target user's operational risk in the trend score before the initial renewal score is adjusted, and the insurer's preference for the target user can be noticed, thereby reducing the higher operational risk brought by the adjusted target renewal score, and it is easier to obtain the target renewal score that meets the insurer's preference for the target user.

[0074] See also Figure 7 , Figure 7 Shows Figure 1 In the process of another sub-step embodiment of step 120, in one embodiment, step 120 may also include the following steps.

[0075] Step 710: determine the target user group to which the target user belongs, and obtain multiple historical renewal information of the target user group; Step 720: performing group renewal preference analysis on the target user group according to the plurality of historical renewal information to obtain a group renewal preference coefficient of the target user group; Step 730: For each renewal assessment, according to the group renewal bias coefficient, a trend score calculation based on the renewal score is performed on the current renewal assessment and the previous renewal assessment to obtain a trend score corresponding to the current renewal assessment.

[0076] In one embodiment, the target user group refers to a user group consisting of multiple users who have the same user tag as the target user. In one embodiment, obtaining multiple historical renewal information of the target user group refers to the operation of obtaining one or more historical renewal information of each user in the target user group. The historical renewal information may include historical renewal situations, historical renewal scores obtained by historical renewal evaluation, etc., which are not specifically limited here.

[0077] In one embodiment, performing group renewal preference analysis on the target user group refers to an operation to analyze the renewal strategy preferences of each user of the target user group obtained in multiple historical renewals.

[0078] In one embodiment, in the process of performing group renewal bias analysis on the target user group according to multiple historical renewal information to obtain the group renewal bias coefficient of the target user group, the multiple historical renewal information can be clustered to obtain multiple historical renewal information clusters, and the group renewal bias coefficient corresponding to the cluster containing the most historical renewal information in the multiple preset candidate group renewal bias coefficients corresponding to the multiple historical renewal information clusters is determined as the group renewal bias coefficient of the target user group. The cluster analysis can be implemented using algorithms such as the K-means clustering algorithm and the K-Medoids clustering algorithm, which are not specifically limited here.

[0079] In one embodiment, in the process of calculating the trend score based on the renewal score for the current renewal assessment and the previous renewal assessment according to the group renewal bias coefficient to obtain the trend score corresponding to the current renewal assessment, specifically, the trend score between the current renewal assessment and the previous renewal assessment can be calculated first, and then the trend score and the group renewal bias coefficient are multiplied to obtain the trend score corresponding to the current renewal assessment.

[0080] In one embodiment, in the process of calculating the trend score based on the renewal score for the current renewal assessment and the previous renewal assessment according to the group renewal bias coefficient to obtain the trend score corresponding to the current renewal assessment, specifically, the historical renewal score of the previous renewal assessment and the group renewal bias coefficient can be multiplied first, and then the renewal score of the current renewal assessment and the product result can be subtracted to obtain the trend score corresponding to the current renewal assessment.

[0081] By obtaining multiple historical renewal information of the target user group where the target user is located, and conducting a group renewal preference analysis on the target user group based on the multiple historical renewal information, it is possible to determine the main preference of the renewal strategy that the target user group where the target user is located can then be determined. This allows the trend scoring process to be adjusted through the group renewal preference coefficient so that the trend scoring can carry the main preference characteristics of the target user group, which is beneficial for making the renewal strategy determined based on the target renewal score more in line with the main preference of the target user group after adjusting the initial renewal score, thereby improving the reliability of the renewal strategy.

[0082] See also Figure 8 The embodiment of the present application further provides a scoring processing device, which can implement the scoring processing method of the first aspect above. The scoring processing device 800 includes: The renewal evaluation module 810 may be used to obtain the target user's initial renewal score in this renewal evaluation if the target user has multiple historical renewal evaluations, wherein the historical renewal scores in the second and subsequent historical renewal evaluations are obtained by adjusting the trend scores obtained in the current historical renewal evaluation; The trend score calculation module 820 may be used to calculate the trend score based on the renewal score for each renewal evaluation including the current renewal evaluation and the previous renewal evaluation according to the multiple historical renewal scores and the initial renewal score, so as to obtain the trend score between each renewal evaluation and the previous renewal evaluation; The score adjustment module 830 may be used to adjust the initial renewal score according to the obtained trend score to obtain the target renewal score for this renewal evaluation; The renewal strategy determination module 840 may be used to determine the renewal strategy for the target user's current renewal according to the target renewal score.

[0083] The specific implementation of the scoring processing device is basically the same as the specific implementation of the scoring processing method described above, and will not be described in detail here.

[0084] The embodiment of the present application also provides an electronic device, the electronic device includes a memory and a processor, the memory stores a computer program, and the processor implements the above-mentioned scoring processing method when executing the computer program. The electronic device can be any intelligent terminal including a tablet computer, a car computer, etc.

[0085] See also Fig. 9 , Fig. 9 The hardware structure of an electronic device of another embodiment is illustrated. The electronic device 900 includes: The processor 901 may be implemented by a general-purpose CPU (Central Processing Unit), a microprocessor, an application-specific integrated circuit (Application Specific Integrated Circuit, ASIC), or one or more integrated circuits, and is used to execute relevant programs to implement the technical solutions provided in the embodiments of the present application; The memory 902 can be implemented in the form of a read-only memory (ROM), a static storage device, a dynamic storage device, or a random access memory (RAM). The memory 902 can store an operating system and other application programs. When the technical solution provided in the embodiment of this specification is implemented by software or firmware, the relevant program code is stored in the memory 902, and the processor 901 calls and executes the scoring processing method of the embodiment of this application; Input / output interface 903, used to implement information input and output; Communication interface 904, used to realize communication interaction between the device and other devices, which can be realized through wired mode (such as USB, network cable, etc.) or wireless mode (such as mobile network, WIFI, Bluetooth, etc.); A bus 905 that transmits information between various components of the device (e.g., the processor 901, the memory 902, the input / output interface 903, and the communication interface 904); The processor 901 , the memory 902 , the input / output interface 903 and the communication interface 904 are connected to each other in communication within the device via a bus 905 .

[0086] The embodiment of the present application further provides a computer-readable storage medium, which stores a computer program, and when the computer program is executed by a processor, the above-mentioned scoring processing method is implemented.

[0087] The memory, as a non-transitory computer-readable storage medium, can be used to store non-transitory software programs and non-transitory computer executable programs. In addition, the memory may include a high-speed random access memory, and may also include a non-transitory memory, such as at least one disk storage device, a flash memory device, or other non-transitory solid-state storage device. In some embodiments, the memory may include a memory remotely disposed relative to the processor, and these remote memories may be connected to the processor via a network. Examples of the above-mentioned network include, but are not limited to, the Internet, an intranet, a local area network, a mobile communication network, and combinations thereof.

[0088] The embodiments described in the embodiments of the present application are intended to more clearly illustrate the technical solutions of the embodiments of the present application, and do not constitute a limitation on the technical solutions provided in the embodiments of the present application. Those skilled in the art will appreciate that with the evolution of technology and the emergence of new application scenarios, the technical solutions provided in the embodiments of the present application are also applicable to similar technical problems.

[0089] Those skilled in the art will appreciate that the technical solutions shown in the figures do not constitute a limitation on the embodiments of the present application, and may include more or fewer steps than shown in the figures, or a combination of certain steps, or different steps.

[0090] The device embodiments described above are merely illustrative, and the units described as separate components may or may not be physically separated, that is, they may be located in one place or distributed on multiple network units. Some or all of the modules may be selected according to actual needs to achieve the purpose of the solution of this embodiment.

[0091] Those skilled in the art will appreciate that all or some of the steps in the methods disclosed above, and the functional modules / units in the systems and devices may be implemented as software, firmware, hardware, or a suitable combination thereof.

[0092] The terms "first", "second", "third", "fourth", etc. (if any) in the specification 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. In addition, the terms "including" and "having" and any of their variations are intended to cover non-exclusive inclusions, for example, a process, method, system, product or device comprising a series of steps or units is not necessarily limited to those steps or units clearly listed, but may include other steps or units that are not clearly listed or inherent to these processes, methods, products or devices.

[0093] It should be understood that in the present application, "at least one (item)" means one or more, and "plurality" means two or more. "And / or" is used to describe the association relationship of associated objects, indicating that three relationships may exist. For example, "A and / or B" can mean: only A exists, only B exists, and A and B exist at the same time, where A and B can be singular or plural. The character " / " generally indicates that the objects associated before and after are in an "or" relationship. "At least one of the following" or similar expressions refers to any combination of these items, including any combination of single or plural items. For example, at least one of a, b or c can mean: a, b, c, "a and b", "a and c", "b and c", or "a and b and c", where a, b, c can be single or multiple.

[0094] In the several embodiments provided in the present application, it should be understood that the disclosed devices and methods can be implemented in other ways. For example, the device embodiments described above are only schematic. For example, the division of the above units is only a logical function division. There may be other division methods in actual implementation, such as multiple units or components can be combined or integrated into another system, or some features can be ignored or not executed. Another point is that the mutual coupling or direct coupling or communication connection shown or discussed can be through some interfaces, indirect coupling or communication connection of devices or units, which can be electrical, mechanical or other forms.

[0095] The units described above as separate components may or may not be physically separated, and the components shown as units may or may not be physical units, that is, they may be located in one place or distributed on multiple network units. Some or all of the units may be selected according to actual needs to achieve the purpose of the solution of this embodiment.

[0096] In addition, each functional unit in each embodiment of the present application may be integrated into one processing unit, or each unit may exist physically separately, or two or more units may be integrated into one unit. The above-mentioned integrated unit may be implemented in the form of hardware or in the form of software functional units.

[0097] If the integrated unit is implemented in the form of a software functional unit and sold or used as an independent product, it can be stored in a computer-readable storage medium. Based on this understanding, the technical solution of the present application, or the part that contributes to the prior art, or all or part of the technical solution can be embodied in the form of a software product, and the computer software product is stored in a storage medium, including multiple instructions to enable a computer device (which can be a personal computer, server, or network device, etc.) to execute all or part of the steps of the methods of various embodiments of the present application. The aforementioned storage medium includes: U disk, mobile hard disk, read-only memory (Read-Only Memory, referred to as ROM), random access memory (Random Access Memory, referred to as RAM), disk or optical disk and other media that can store programs.

[0098] The preferred embodiments of the present invention are described above with reference to the accompanying drawings, but the scope of the rights of the present invention is not limited thereto. Any modification, equivalent substitution and improvement made by a person skilled in the art without departing from the scope and essence of the present invention should be within the scope of the rights of the present invention.

Claims

1. A scoring processing method, characterized in that: The following steps are involved: If the target user has multiple historical renewal scores from historical renewal evaluations, obtain the target user's initial renewal score in this renewal evaluation, wherein the historical renewal scores in the second and subsequent historical renewal evaluations are obtained by adjusting the trend scores obtained in the current historical renewal evaluation; According to the plurality of historical renewal scores and the initial renewal score, a trend score calculation based on the renewal score is performed for each renewal assessment including the current renewal assessment and the previous renewal assessment to obtain the trend score between each renewal assessment and the previous renewal assessment; Adjust the initial renewal score according to the obtained trend score to obtain a target renewal score for this renewal evaluation; A renewal strategy for the target user's current renewal is determined according to the target renewal score.

2. The method according to claim 1, characterized in that The trend score calculation based on the renewal score is performed on each renewal assessment including the current renewal assessment and the previous renewal assessment to obtain the trend score between each renewal assessment and the previous renewal assessment, including: After obtaining a plurality of trend scores, performing a change rate analysis on each trend score relative to the previous and next trend scores, and determining a trend change difference between the change rate of each trend score relative to the previous trend score and the change rate of each trend score relative to the next trend score; If at least one of the trend change difference values ​​is not less than a preset change difference threshold, a trend score change trend analysis is performed based on the plurality of trend scores to obtain trend score change trend analysis information; The trend score corresponding to the trend change difference that is not less than the change rate threshold is updated according to the trend score change trend analysis information.

3. The method according to claim 2, characterized in that The step of adjusting the initial renewal score according to the obtained trend score to obtain a target renewal score for this renewal evaluation includes: Performing a renewal score change trend analysis on the initial renewal score according to the trend score change trend analysis information to obtain the renewal score change trend analysis information for the initial renewal score; If the renewal score change trend analysis information indicates that the initial renewal score does not conform to the renewal score change trends of the plurality of historical renewal scores, the renewal evaluation is re-performed to obtain the target renewal score.

4. The method according to claim 3, characterized in that The re-evaluation of this renewal to obtain the target renewal score includes: If the change rate of the trend score of the current renewal evaluation relative to the previous trend score is greater than a preset change rate threshold, obtaining the first target insurance evaluation data used by the target user in the previous renewal evaluation and the second target insurance evaluation data used in the current renewal evaluation; According to the first target insurance assessment data and the second target insurance assessment data, a renewal assessment is performed on the target user based on the association relationship between the first target insurance assessment data and the second target insurance assessment data to obtain the target renewal score.

5. The method according to claim 3, characterized in that: After obtaining the renewal score change trend analysis information, the method further includes: In the case where the renewal score change trend analysis information indicates that the initial renewal score conforms to the renewal score change trends of the plurality of historical renewal scores, if the absolute value of the change rate of the trend score of the current renewal evaluation relative to the previous renewal evaluation is less than the absolute value of the change rate of the trend score of the previous renewal evaluation relative to the two previous renewal evaluations of the current renewal evaluation, information on changes in the insurance benefits of the target user between the previous renewal and the current renewal is obtained; If the change information indicates that there is no change in the insurance benefits of the target user between the previous renewal and the current renewal, a re-evaluation of this renewal is conducted based on the insurance benefits of the previous renewal to obtain the target renewal score.

6. The method according to claim 1, characterized in that The trend score calculation based on the renewal score is performed on each renewal assessment including the current renewal assessment and the previous renewal assessment to obtain the trend score between each renewal assessment and the previous renewal assessment, including: After obtaining the plurality of trend scores, obtaining the historical renewal strategy of each historical renewal of the target user; performing a policy bias analysis on the insurer's preference for the target user according to the plurality of historical renewal policies to obtain policy bias analysis information; According to the strategic bias analysis information, the plurality of trend scores are adjusted with respect to the bias.

7. The method according to claim 1, characterized in that The trend score calculation based on the renewal score is performed on each renewal assessment including the current renewal assessment and the previous renewal assessment to obtain the trend score between each renewal assessment and the previous renewal assessment, including: Determine the target user group to which the target user belongs, and obtain multiple historical renewal information of the target user group; Performing a group renewal bias analysis on the target user group according to the plurality of historical renewal information to obtain a group renewal bias coefficient of the target user group; For each renewal assessment, according to the group renewal bias coefficient, a trend score calculation based on the renewal score is performed on the current renewal assessment and the previous renewal assessment to obtain the trend score corresponding to the current renewal assessment.

8. A scoring processing device, characterized in that: include: A renewal evaluation module, for obtaining the target user's initial renewal score in this renewal evaluation if the target user has multiple historical renewal evaluations, wherein the historical renewal scores in the second and subsequent historical renewal evaluations are obtained by adjusting the trend scores obtained in the current historical renewal evaluation; a trend score calculation module, configured to calculate a trend score based on the renewal score for each renewal assessment including the current renewal assessment and the previous renewal assessment according to the plurality of historical renewal scores and the initial renewal score, so as to obtain the trend score between each renewal assessment and the previous renewal assessment; A score adjustment module, configured to adjust the initial renewal score according to the obtained trend score to obtain a target renewal score for this renewal evaluation; The renewal strategy determination module is used to determine the renewal strategy for the target user's current renewal according to the target renewal score.

9. An electronic device, characterized in that: The electronic device comprises a memory and a processor, the memory stores a computer program, and the processor implements the scoring processing method according to any one of claims 1 to 7 when executing the computer program.

10. A computer-readable storage medium storing a computer program, characterized in that: When the computer program is executed by a processor, the scoring processing method according to any one of claims 1 to 7 is implemented.

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