Reinsurance processing method and device, electronic equipment, storage medium and program product
Patent Information
- Application Number
- CN202411435081.8
- Authority / Receiving Office
- CN · China
- Patent Type
- Applications(China)
- Current Assignee / Owner
- Filing Date
- 2024-10-14
- Publication Date
- 2025-01-28
Smart Images
Figure CN119379458A_ABST
Abstract
Description
Technical Field
[0001] The present application relates to the field of data processing technology, and in particular to a reinsurance processing method, device, electronic device, storage medium and program product. Background Art
[0002] Reinsurance, also known as "ceded insurance", refers to the act of an insurer insuring part of the risks and liabilities it insures to other insurers through signing a ceded insurance contract on the basis of the original insurance contract. For reinsurance business, it is necessary to determine the ceded insurance ratio of each insurer corresponding to the reinsurance business.
[0003] One implementation method in the prior art is to divide a fixed ratio according to the type of insurance to which the reinsurance business belongs, such as how much is the ratio of auto insurance and how much is the ratio of accident insurance. This method is relatively simple, and the reinsurance ratio determined is not accurate enough. One implementation method in the prior art is to divide a fixed ratio according to the type of insurance to which the reinsurance business belongs, such as how much is the ratio of auto insurance and how much is the ratio of accident insurance. This method is relatively simple, and the reinsurance ratio determined is not accurate enough. Summary of the invention
[0004] The present application provides a reinsurance processing method, device, electronic device, storage medium and program product, which realizes the automated reinsurance processing of reinsurance business.
[0005] In a first aspect, the present application provides a reinsurance processing method, comprising:
[0006] Obtaining business-related data on reinsurance business for which the cession ratio is to be determined;
[0007] Determining, based on the business-related data and a plurality of first screening rules in a first rule base, a plurality of first contract items matching the reinsurance business;
[0008] Determining a second contract item from the plurality of first contract items based on the business-related data and a plurality of second screening rules in a second rule base corresponding to the type of insurance to which the reinsurance business belongs;
[0009] The reinsurance ratio included in the second contract item is determined as the reinsurance ratio corresponding to the reinsurance business.
[0010] In some embodiments, the business-related data includes data of multiple priorities; and determining multiple first contract items matching the reinsurance business based on the business-related data and multiple first screening rules in a first rule base includes:
[0011] Acquire multiple preset contracts; the preset contracts include multiple preset contract sub-items;
[0012] Based on the plurality of first screening rules in the first rule base, a plurality of first contract sub-items that match the data of each priority level are screened out from the plurality of preset contract sub-items.
[0013] In some embodiments, the multiple priorities include a first priority, a second priority, and a third priority; the filtering out, based on the multiple first filtering rules in the first rule base, multiple first contract sub-items that match the data of each priority from the multiple preset contract sub-items includes:
[0014] Based on the multiple first screening rules in the first rule base, the following operations are performed in sequence, and the following operations include:
[0015] Filtering, from the plurality of preset contract sub-items, contract sub-items that match the data of the first priority;
[0016] Filtering the contract sub-items matching the data of the second priority from the contract sub-items matching the data of the first priority;
[0017] Filtering the contract sub-items matching the data of the third priority from the contract sub-items matching the data of the second priority;
[0018] A treaty item matching the data of the third priority level is determined as a first treaty item matching the reinsurance business.
[0019] In some embodiments, the first priority includes insurance type, institution and channel; the second priority includes insurance type; and the third priority includes terms and liability.
[0020] In some embodiments, the business-related data also includes at least one category of personalized data, and different categories correspond to different insurance types;
[0021] The determining of the second contract sub-items from the plurality of first contract sub-items based on the business-related data and a plurality of second screening rules in a second rule base corresponding to the type of insurance to which the reinsurance business belongs comprises:
[0022] Performing the following operations based on the plurality of second screening rules in the second rule base includes:
[0023] Filtering, from the plurality of first contract items, contract items that match the personalized data of the at least one category;
[0024] A contract item matching the personalized data of the at least one category is determined as a second contract item.
[0025] In some embodiments, obtaining business-related data of the reinsurance business for which the cession ratio is to be determined includes:
[0026] The business-related data stored corresponding to the reinsurance identifier of the reinsurance business is obtained from the underwriting and claims database.
[0027] In a second aspect, the present application provides a reinsurance processing device, comprising:
[0028] An acquisition module, used to acquire business-related data of the reinsurance business for which the cession ratio is to be determined;
[0029] A first screening module, configured to determine a plurality of first contract items matching the reinsurance business based on the business-related data and a plurality of first screening rules in a first rule base;
[0030] A second screening module, configured to determine a second contract item from the plurality of first contract items based on the business-related data and a plurality of second screening rules in a second rule base corresponding to the type of insurance to which the reinsurance business belongs;
[0031] A determination module is used to determine the reinsurance ratio included in the second contract item as the reinsurance ratio corresponding to the reinsurance business.
[0032] In a third aspect, the present application provides an electronic device, comprising: a processor and a memory communicatively connected to the processor;
[0033] The memory stores computer-executable instructions;
[0034] The processor executes the computer-executable instructions stored in the memory to implement the reinsurance processing method according to any one of the first aspects.
[0035] In a fourth aspect, the present application provides a computer-readable storage medium, wherein the computer-readable storage medium stores computer-executable instructions, and when the computer-executable instructions are executed by a processor, they are used to implement the reinsurance processing method according to any one of the first aspects.
[0036] In a fifth aspect, the present application provides a computer program product, including a computer program, wherein when the computer program is executed by a processor, the reinsurance processing method according to any one of the first aspects is implemented.
[0037] The reinsurance processing method, device, electronic device, storage medium and program product provided by the present application realize the automated reinsurance processing of reinsurance business. By comprehensively considering business-related data, multiple first screening rules in a first rule base and multiple second screening rules in a second rule base corresponding to the insurance types, it is possible to more accurately determine the contract items matching the reinsurance business, thereby improving the accuracy of determining the reinsurance ratio. BRIEF DESCRIPTION OF THE DRAWINGS
[0038] The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the present application and, together with the description, serve to explain the principles of the present application.
[0039] Figure 1 It is a schematic diagram of an application scenario provided by this application;
[0040] Figure 2 It is a flowchart of a reinsurance processing method provided by the present application;
[0041] Figure 3 It is a structural schematic diagram of a reinsurance processing device provided by the present application;
[0042] Figure 4 It is a structural schematic diagram of an electronic device provided by this application.
[0043] The above drawings have shown clear embodiments of the present application, which will be described in more detail later. These drawings and text descriptions are not intended to limit the scope of the present application in any way, but to illustrate the concept of the present application to those skilled in the art by referring to specific embodiments. DETAILED DESCRIPTION
[0044] Exemplary embodiments will be described in detail herein, examples of which are shown in the accompanying drawings. When the following description refers to the drawings, the same numbers in different drawings represent the same or similar elements unless otherwise indicated. The implementations described in the following exemplary embodiments do not represent all implementations consistent with the present application. Instead, they are merely examples of devices and methods consistent with some aspects of the present application as detailed in the appended claims.
[0045] Reinsurance, also known as "ceding", refers to the act of an insurer, based on the original insurance contract, insuring part of the risks and liabilities it insures to other insurers through the signing of a ceding contract. In reinsurance transactions, the company that cedes the business is called the original insurer or ceding company, and the company that accepts the business is called the reinsurer or ceding acceptor or ceding company. Reinsurance can be divided into proportional reinsurance and non-proportional reinsurance.
[0046] For each reinsurance business, it is necessary to determine the ceding ratio of each insurer corresponding to the reinsurance business. This ceding ratio determines the responsibility of each insurer in sharing risks and premium income. Once the ceding ratio is determined, the relevant terms must be clearly stipulated in the reinsurance contract, including ceding ratio, liability limit, compensation conditions, premium distribution, etc.
[0047] One implementation method in the prior art is to divide the reinsurance business into fixed proportions according to the types of insurance it belongs to, such as a certain proportion for auto insurance and a certain proportion for accident insurance. This method is relatively simple, and the reinsurance ratio determined is not accurate enough.
[0048] Based on this, the present application proposes a reinsurance processing method, device, electronic device, storage medium and program product, aiming to solve the above technical problems.
[0049] Figure 1 is a schematic diagram of an application scenario provided by this application. Figure 1 As shown, the application scenario includes: electronic device 1. The electronic device 1 may be a terminal or a server, which is not limited in the present application. For example, the electronic device 1 is a background server of a reinsurance system, which is used to provide background services for the reinsurance system, and the reinsurance system is used to process reinsurance business. In the present application, the electronic device 1 is used to perform reinsurance processing on the reinsurance business by executing the reinsurance processing method provided in the present application.
[0050] The execution subject of the reinsurance processing method provided in the present application is a reinsurance processing device, which is integrated in the electronic device 1.
[0051] The technical solution of the present application and how the technical solution of the present application solves the above-mentioned technical problems are described in detail below with specific embodiments. The following specific embodiments can be combined with each other, and the same or similar concepts or processes may not be repeated in some embodiments. The embodiments of the present application will be described below in conjunction with the accompanying drawings.
[0052] Figure 2 Schematic diagram of a reinsurance processing method provided by this application. Figure 2 As shown, the reinsurance processing method provided in this embodiment includes the following steps:
[0053] Step S101, obtaining business-related data of the reinsurance business for which the cession ratio is to be determined.
[0054] The reinsurance business may be any reinsurance business that enters the reinsurance system after underwriting and claim settlement and whose reinsurance ratio is to be determined. For example, the reinsurance business is represented in the form of an insurance policy.
[0055] In some embodiments, the business-related data includes data of multiple priorities; optionally, the multiple priorities include a first priority, a second priority, and a third priority. Exemplarily, the first priority includes insurance type, institution, and channel; the second priority includes insurance type; and the third priority includes terms and liability.
[0056] Insurance category refers to the type of insurance classified according to the source of risk, for example, insurance category can be life insurance, property insurance, etc. Accordingly, the insurance category in the above business-related data is the insurance category to which the reinsurance business belongs.
[0057] Institutions refer to different branches of insurance institutions, such as different branches of insurance companies. Accordingly, the institutions in the above business-related data are the institutions to which the reinsurance business belongs.
[0058] Channel refers to the source of insurance business, such as professional agents, individual agents, part-time agents, brokerage business, traditional direct sales, telephone network marketing, new channel direct sales, etc. Correspondingly, the channel in the above business-related data is the channel to which the reinsurance business belongs.
[0059] Insurance types refer to the classification method of subdividing the same insurance category according to the interests to be protected by the insured. For example, in life insurance, it can be subdivided into health insurance, accident insurance and life insurance, etc. Correspondingly, the insurance types in the above business-related data are the insurance types to which the reinsurance business belongs.
[0060] Clauses and liabilities are a classification method for different risks in the same insurance type. For example, if the insurance type is life insurance, for a family that needs to raise children for a long time, choosing to waive term life insurance means that after the death of the insured, they do not have to pay premiums but can still obtain protection. This is the different "insurance types" selected according to different risk characteristics. Accordingly, the clauses and liabilities in the above business-related data are the clauses and liabilities of the reinsurance business.
[0061] In some embodiments, the business-related data also includes at least one category of personalized data, and different insurance types correspond to different categories. Optionally, if the insurance type is accidental health insurance, at least one category of personalized data includes project code, scheme code, important customer project code, etc.; wherein, project code and important customer project code refer to the unique identification code of a certain type of project; scheme code refers to different insurance scheme combinations. Optionally, if the insurance type is agricultural insurance, at least one category of personalized data includes product type code, policy type, subject code, etc., such as product type code including index insurance, yield insurance, output value insurance, income insurance, price + futures, etc.; policy type includes new insurance and renewal; subject code includes seed crops, seed wheat, and vegetable seed production. Optionally, if the insurance type is property insurance, at least one category of personalized data includes insurance amount, individual group insurance, related person code, etc., wherein the insurance amount is the maximum limit of the insurance company's liability for compensation or payment of insurance money in the insurance contract, that is, the actual insurance amount of the insured for the insurance subject; individual group insurance refers to individual insurance and group insurance; related person code refers to the customer code in the related person information. Optionally, if the insurance type is auto insurance, at least one category of personalized data includes usage status, usage nature, etc.; the vehicle usage status refers to new car or old car; the usage nature refers to family-owned car, commercial passenger car, non-commercial truck, etc.
[0062] Optionally, each data in the business-related data may be represented by an identifier, for example, the insurance type is represented by an insurance type identifier, and specifically, the insurance type identifier may be an insurance type code, such as 01, 02, etc. For another example, the insurance type is represented by an insurance type identifier, and specifically, the insurance type identifier may be an insurance type code, such as Q01, Q02, etc.
[0063] In some embodiments, step S101 is specifically implemented as: acquiring business-related data stored corresponding to the reinsurance identifier of the reinsurance business from the underwriting and claim settlement database. The underwriting and claim settlement database stores a large amount of business-related data of reinsurance business, and the reinsurance identifier of each reinsurance business is stored corresponding to the business-related data for easy acquisition. Exemplarily, the reinsurance business is an insurance policy, and the reinsurance identifier is the policy number.
[0064] For example, the business-related data of policy AA includes: insurance type 01, insurance type Q01, clause 1: Q01001, liability 1: Q01001, clause 2: Q02001, liability 2: Q02002, belonging to branch X, project code 001.
[0065] Step S102: determining a plurality of first contract items matching the reinsurance business based on the business-related data and a plurality of first screening rules in a first rule base.
[0066] In the present application, a first rule base is pre-constructed, and the first rule base includes a plurality of first screening rules for screening based on business-related data of the reinsurance business to obtain a plurality of first contract sub-items.
[0067] In some embodiments, step S102 is specifically implemented as follows: obtaining multiple preset contracts; the preset contract includes multiple preset contract sub-items; based on multiple first filtering rules in the first rule base, filtering out multiple first contract sub-items that match data of each priority level from the multiple preset contract sub-items.
[0068] The preset contract is pre-set, each preset contract includes multiple preset contract sub-items, and each preset contract sub-item contains its own reinsurance ratio. Optionally, the reinsurance ratio can be fixed, such as a percentage contract, or can be non-fixed, such as a surplus contract, which is not limited in this application.
[0069] For example, contract A includes item a and item b. Among them, item a is applicable to insurance category 01, insurance type Q01, clause Q01001, liability Q01001, applicable institutions are X branch and Z branch, channel PUB, project code 001, and reinsurance ratio is 20%. Item b is applicable to insurance category 01, insurance type Q02, clause Q01001, liability Q01001, applicable institutions are X branch and Y branch, channel PUB, project code 002, and reinsurance ratio is 30%.
[0070] For another example, contract B includes item a and item b. Item a is applicable to insurance category 01, insurance type Q01, clause Q01001, liability Q01001, applicable institution is X branch, channel PUB, project code 002, and reinsurance ratio is 10%. Item b is applicable to insurance category 02, insurance type W01, clause W01001, liability W01001, applicable institutions are X branch and Y branch, channel PUB, project code 003, and reinsurance ratio is 20%.
[0071] In some embodiments, based on the multiple first screening rules in the first rule base, multiple first contract sub-items that match the data of each priority level are screened out from the multiple preset contract sub-items, which is specifically implemented as follows: based on the multiple first screening rules in the first rule base, the following operations are performed in sequence, and the following operations include:
[0072] Filtering contract items that match the data of the first priority from multiple preset contract items;
[0073] Filter the contract sub-items that match the data of the second priority from the contract sub-items that match the data of the first priority;
[0074] Filter the contract sub-items that match the data of the third priority from the contract sub-items that match the data of the second priority;
[0075] The treaty item matching the data of the third priority level is determined as the first treaty item matching the reinsurance business.
[0076] The above implementation method uses the first screening rule in the first rule base to automatically screen out the first contract sub-items that match the data of each priority level from multiple preset contract sub-items. The automated screening process reduces human intervention, thereby reducing the risk of reinsurance processing errors caused by human negligence or errors, and the standardized application of preset contracts and the first screening rule ensures the consistency and accuracy of reinsurance processing.
[0077] For example, taking the above-mentioned insurance policy AA, contract A, and contract B as examples, the first priority includes insurance type, institution, and channel; the second priority includes insurance type; and the third priority includes terms and liabilities. First, the insurance type, institution, and channel are screened. The contracts that can be matched with insurance type 01 include sub-items a and b of contract A, and sub-item a of contract B, while sub-item b of contract B is screened out; proceed to the next step of screening, that is, screening of insurance types. According to insurance type Q01 of policy AA, matching is performed among sub-items a and b of contract A, and sub-item a of contract B. Contracts can be matched with sub-item a of contract A and sub-item a of contract B, while sub-item b of contract A is screened out; proceed to the third step of screening, that is, screening of clauses and responsibilities, and matching with sub-item a of contract A and sub-item a of contract B. Clause 1: Q01001, liability 1: Q01001 of policy AA can be matched with sub-item a of contract A and sub-item a of contract B, but clause 2: Q02001, liability 1: Q02002 of policy AA fail to match. Therefore, the multiple first contract sub-items obtained after this step include sub-item a of contract A and sub-item a of contract B.
[0078] Step S103: determining a second contract item from the plurality of first contract items based on the business-related data and a plurality of second screening rules in a second rule base corresponding to the type of insurance to which the reinsurance business belongs.
[0079] In the present application, a second rule base is pre-constructed, and the second rule base includes a plurality of second screening rules for screening based on the business-related data of the reinsurance business to obtain the second contract sub-items. The first rule base can be regarded as a basic rule base, the first screening rule can be regarded as a basic rule, the second rule base can be regarded as a personalized rule base, and the second screening rule can be regarded as a personalized rule. Accordingly, the first screening rule in the first rule base is screened based on the basic data in the business-related data, such as insurance type, insurance type, clause, etc., and the second screening rule in the second rule base is screened based on the personalized data in the business-related data.
[0080] In some embodiments, step S103 is specifically implemented as follows: performing the following operations based on the plurality of second screening rules in the second rule base, the following operations including:
[0081] Filtering, from the plurality of first contract items, contract items that match at least one category of personalized data;
[0082] A contract item matching the personalized data of at least one category is determined as a second contract item.
[0083] Continuing with the above-mentioned insurance policy AA, contract A, and contract B as an example, the personalized data includes the project code, and the multiple first contract sub-items include sub-item a of contract A and sub-item a of contract B. The next step is to enter the screening of the personalized rule library. Sub-item a of contract A and the personalized rule are applicable to project code 001, and the personalized rule for sub-item a of contract B is applicable to project code 002. The project code of insurance policy AA is 001, so sub-item a of contract A is matched. Therefore, for insurance policy AA, only the insured amount and premium corresponding to clause 1: Q01001 and liability 1: Q01001 are reinsured, and the reinsurance ratio is 20%.
[0084] This embodiment performs personalized screening based on the personalized data of the reinsurance business on the basis of the basic rule base, so that the determined second contract items are more matched with the reinsurance business and have higher accuracy.
[0085] Step S104: determine the reinsurance ratio included in the second contract item as the reinsurance ratio corresponding to the reinsurance business.
[0086] Among them, the second contract item can be regarded as a contract item that is more closely matched with the reinsurance business. Therefore, the reinsurance ratio contained in the second contract item can determine the reinsurance ratio corresponding to the reinsurance business.
[0087] The present application realizes automated reinsurance processing for reinsurance business. By comprehensively considering business-related data, a plurality of first screening rules in a first rule base, and a plurality of second screening rules in a second rule base corresponding to the insurance types, it is possible to more accurately determine the contract items matching the reinsurance business, thereby improving the accuracy of determining the reinsurance ratio.
[0088] Figure 3 is a structural schematic diagram of a reinsurance processing device provided by the present application, such as Figure 3 As shown, in this embodiment, the reinsurance processing device 20 can be set in an electronic device, and the reinsurance processing device 20 includes:
[0089] An acquisition module 201 is used to acquire business-related data of the reinsurance business for which the cession ratio is to be determined;
[0090] A first screening module 202, configured to determine a plurality of first contract items matching the reinsurance business based on the business-related data and a plurality of first screening rules in a first rule base;
[0091] A second screening module 203, configured to determine a second contract item from a plurality of first contract items based on the business-related data and a plurality of second screening rules in a second rule base corresponding to the type of insurance to which the reinsurance business belongs;
[0092] The determination module 204 is used to determine the reinsurance ratio included in the second contract item as the reinsurance ratio corresponding to the reinsurance business.
[0093] In some embodiments, the business-related data includes data of multiple priorities; the first screening module 202 is used to:
[0094] Obtain multiple preset contracts; the preset contract includes multiple preset contract sub-items;
[0095] Based on the plurality of first screening rules in the first rule base, a plurality of first contract sub-items that match the data of each priority level are screened out from the plurality of preset contract sub-items.
[0096] In some embodiments, the plurality of priorities include a first priority, a second priority, and a third priority; the first screening module 202 is configured to:
[0097] Based on the multiple first screening rules in the first rule base, the following operations are performed in sequence, and the following operations include:
[0098] Filtering contract items that match the data of the first priority from multiple preset contract items;
[0099] Filter the contract sub-items that match the data of the second priority from the contract sub-items that match the data of the first priority;
[0100] Filter the contract sub-items that match the data of the third priority from the contract sub-items that match the data of the second priority;
[0101] The treaty item matching the data of the third priority level is determined as the first treaty item matching the reinsurance business.
[0102] In some embodiments, the first priority includes insurance type, institution and channel; the second priority includes insurance type; and the third priority includes terms and liability.
[0103] In some embodiments, the business-related data further includes at least one category of personalized data, and different insurance types correspond to different categories; the second screening module 203 is used to:
[0104] Perform the following operations based on the plurality of second screening rules in the second rule base, the following operations including:
[0105] Filtering, from the plurality of first contract items, contract items that match at least one category of personalized data;
[0106] A contract item matching the personalized data of at least one category is determined as a second contract item.
[0107] In some embodiments, the acquisition module 201 is used to:
[0108] The business-related data stored corresponding to the reinsurance identifier of the reinsurance business is obtained from the underwriting and claims database.
[0109] The reinsurance processing device 20 provided in this embodiment can execute the technical solution of the corresponding method embodiment. Its implementation principle and technical effect are similar to those of the corresponding method embodiment, and will not be repeated here.
[0110] An embodiment of the present application also provides an electronic device. Figure 4 Schematic diagram of the structure of an electronic device provided by this application. Figure 4 As shown, the electronic device 30 includes: a processor 301 and a memory 302 communicatively connected to the processor 301 .
[0111] The memory 302 stores computer-executable instructions; the processor 301 executes the computer-executable instructions stored in the memory 302 to implement the reinsurance processing method provided in the present application.
[0112] In the embodiment of the present application, the memory 302 and the processor 301 are connected via a bus. The bus may be an Industry Standard Architecture (ISA) bus, a Peripheral Component Interconnect (PCI) bus, or an Extended Industry Standard Architecture (EISA) bus, etc. The bus may be divided into an address bus, a data bus, a control bus, etc.
[0113] The components, their connections and relationships, and their functions shown herein are only examples and are not intended to limit the implementation of the present application described and / or required herein. The various components are interconnected using different buses and can be installed on a common motherboard or in other ways as needed.
[0114] In an exemplary embodiment, a computer-readable storage medium is further provided, wherein computer-executable instructions are stored in the computer-readable storage medium, and when the computer-executable instructions are executed by a processor, the reinsurance processing method provided in the present application is implemented.
[0115] In an exemplary embodiment, a computer program product is also provided, including a computer program. When the computer program in the computer program product is executed by a processor, it is used to implement the reinsurance processing method provided by the present application.
[0116] It should be noted that, for the aforementioned method embodiments, for the sake of simplicity, they are all expressed as a series of action combinations, but those skilled in the art should be aware that the present application is not limited by the described order of actions, because according to the present application, certain steps can be performed in other orders or simultaneously. Secondly, those skilled in the art should also be aware that the embodiments described in the specification are all optional embodiments, and the actions and modules involved are not necessarily required by the present application.
[0117] It should be further noted that, although the various steps in the flowchart are displayed in sequence according to the indication of the arrows, these steps are not necessarily executed in sequence in the order indicated by the arrows. Unless there is a clear description in this article, the execution of these steps is not strictly limited in order, and these steps can be executed in other orders. Moreover, at least a portion of the steps in the flowchart may include multiple sub-steps or multiple stages, and these sub-steps or stages are not necessarily executed at the same time, but can be executed at different times, and the execution order of these sub-steps or stages is not necessarily to be carried out in sequence, but can be executed in turn or alternately with other steps or at least a portion of the sub-steps or stages of other steps.
[0118] It should be understood that the above-mentioned device embodiments are only illustrative, and the device of the present application can also be implemented in other ways. For example, the division of units / modules in the above-mentioned embodiments is only a logical function division, and there may be other division methods in actual implementation. For example, multiple units, modules or components can be combined, or can be integrated into another system, or some features can be ignored or not executed.
[0119] In addition, unless otherwise specified, each functional unit / module in each embodiment of the present application may be integrated into one unit / module, each unit / module may exist physically separately, or two or more units / modules may be integrated together. The above-mentioned integrated unit / module may be implemented in the form of hardware or in the form of a software program module.
[0120] If the integrated unit / module is implemented in the form of hardware, the hardware may be a digital circuit, an analog circuit, etc. The physical implementation of the hardware structure includes but is not limited to transistors, memristors, etc. Unless otherwise specified, the processor may be any appropriate hardware processor, such as a central processing unit (CPU), a graphics processing unit (GPU), an application specific integrated circuit (ASIC), a digital signal processor (DSP), a programmable logic device (PLD), a field programmable gate array (FPGA), a controller, a microcontroller, a microprocessor or other electronic components. Unless otherwise specified, the memory can be implemented by any type of volatile or non-volatile storage device or a combination of them, such as a USB flash drive, random-access memory (RAM), static random-access memory (SRAM), dynamic random-access memory (DRAM), enhanced dynamic random-access memory (EDRAM), electrically erasable programmable read-only memory (EEPROM), erasable programmable read-only memory (EPROM), programmable read-only memory (PROM), read-only memory (ROM), high-bandwidth memory (HBM) or hybrid memory cube (HMC) and other media that can store program code.
[0121] If the integrated unit / module is implemented in the form of a software program module and sold or used as an independent product, it can be stored in a computer-readable memory. Based on this understanding, the technical solution of the present application is essentially or the part that contributes to the prior art or the whole 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 memory, including a number of instructions for an electronic device to execute all or part of the steps of the various embodiments of the present application.
[0122] In the above embodiments, the description of each embodiment has its own emphasis. For the part not described in detail in a certain embodiment, please refer to the relevant description of other embodiments. The technical features of the above embodiments can be combined arbitrarily. In order to make the description concise, all possible combinations of the technical features in the above embodiments are not described. However, as long as there is no contradiction in the combination of these technical features, they should be considered to be within the scope of this specification.
[0123] Those skilled in the art will readily appreciate other embodiments of the present application after considering the specification and practicing the invention disclosed herein. The present application is intended to cover any modification, use or adaptation of the present application, which follows the general principles of the present application and includes common knowledge or customary techniques in the art that are not disclosed in the present application. The specification and examples are intended to be exemplary only, and the true scope and spirit of the present application are indicated by the claims.
[0124] It should be understood that the present application is not limited to the precise structures that have been described above and shown in the drawings, and that various modifications and changes may be made without departing from the scope thereof. The scope of the present application is limited only by the appended claims.
Claims
1. A reinsurance processing method, characterized in that: include: Obtaining business-related data on reinsurance business for which the cession ratio is to be determined; Determining, based on the business-related data and a plurality of first screening rules in a first rule base, a plurality of first contract items matching the reinsurance business; Determining a second contract item from the plurality of first contract items based on the business-related data and a plurality of second screening rules in a second rule base corresponding to the type of insurance to which the reinsurance business belongs; The reinsurance ratio included in the second contract item is determined as the reinsurance ratio corresponding to the reinsurance business.
2. The method according to claim 1, characterized in that: The business-related data includes data of multiple priorities; and determining multiple first contract items matching the reinsurance business based on the business-related data and multiple first screening rules in a first rule base includes: Acquire multiple preset contracts; the preset contracts include multiple preset contract sub-items; Based on the plurality of first screening rules in the first rule base, a plurality of first contract sub-items that match the data of each priority level are screened out from the plurality of preset contract sub-items.
3. The method according to claim 2, characterized in that The multiple priorities include a first priority, a second priority, and a third priority; the multiple first screening rules in the first rule base are used to screen out multiple first contract sub-items that match the data of each priority from the multiple preset contract sub-items, including: Based on the multiple first screening rules in the first rule base, the following operations are performed in sequence, and the following operations include: Filtering, from the plurality of preset contract sub-items, contract sub-items that match the data of the first priority; Filtering the contract sub-items matching the data of the second priority from the contract sub-items matching the data of the first priority; Filtering the contract sub-items matching the data of the third priority from the contract sub-items matching the data of the second priority; A treaty item matching the data of the third priority level is determined as a first treaty item matching the reinsurance business.
4. The method according to claim 3, characterized in that The first priority includes insurance type, institution and channel; the second priority includes insurance type; and the third priority includes terms and responsibilities.
5. The method according to claim 1, characterized in that: The business-related data also includes at least one category of personalized data, and different categories correspond to different insurance types; The determining of the second contract sub-items from the plurality of first contract sub-items based on the business-related data and a plurality of second screening rules in a second rule base corresponding to the type of insurance to which the reinsurance business belongs comprises: Performing the following operations based on the plurality of second screening rules in the second rule base includes: Filtering, from the plurality of first contract items, contract items that match the personalized data of the at least one category; A contract item matching the personalized data of the at least one category is determined as a second contract item.
6. The method according to claim 1, characterized in that The obtaining of business-related data of the reinsurance business for which the reinsurance ratio is to be determined includes: The business-related data stored corresponding to the reinsurance identifier of the reinsurance business is obtained from the underwriting and claims database.
7. A reinsurance processing device, characterized in that: include: An acquisition module, used to acquire business-related data of the reinsurance business for which the cession ratio is to be determined; A first screening module, configured to determine a plurality of first contract items matching the reinsurance business based on the business-related data and a plurality of first screening rules in a first rule base; A second screening module, configured to determine a second contract item from the plurality of first contract items based on the business-related data and a plurality of second screening rules in a second rule base corresponding to the type of insurance to which the reinsurance business belongs; A determination module is used to determine the reinsurance ratio included in the second contract item as the reinsurance ratio corresponding to the reinsurance business.
8. An electronic device, characterized in that: include: A processor and a memory communicatively connected to the processor; The memory stores computer-executable instructions; The processor executes the computer-executable instructions stored in the memory to implement the reinsurance processing method according to any one of claims 1 to 6.
9. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores computer-executable instructions, and when the computer-executable instructions are executed by a processor, they are used to implement the reinsurance processing method according to any one of claims 1 to 6.
10. A computer program product, comprising a computer program, characterized in that When the computer program is executed by a processor, the reinsurance processing method according to any one of claims 1 to 6 is implemented.