Insurance policy data auditing method, device and equipment, medium and computer program product
By grouping insurance policy data and calculating risk insurance amount, the problem of the policy data review in the existing technology is solved, and the accuracy of risk assessment and comprehensiveness of policy review are improved.
Patent Information
- Application Number
- CN202411426156.6
- Authority / Receiving Office
- CN · China
- Patent Type
- Applications(China)
- Current Assignee / Owner
- Filing Date
- 2024-10-12
- Publication Date
- 2025-02-11
AI Technical Summary
Existing policy data review methods are prone to omit existing insurance policies, resulting in insufficient accuracy of risk assessment, especially when the policy is back-signed during the validity period.
By responding to policy review requests, obtain policy data, select target policy that matches the insurance period, determine the starting date and risk insurance amount according to the policy type, and group the insurance policies based on the evaluation time point within the insurance period, and calculate the groupings of each group The target risk insurance amount will eventually generate an audit result.
It effectively reduces the possibility of missed evaluation or underestimation caused by special circumstances such as reverse signing, enhances the risk identification ability of policy data, and improves the comprehensiveness and accuracy of policy review.
Smart Images
Figure CN119417614A_ABST
Abstract
Description
Technical Field
[0001] The embodiments of the present application relate to the field of data analysis technology, and in particular to a policy data review method, device, equipment, medium and computer program product. Background Art
[0002] In the insurance or reinsurance business process, for specific types of policies, such as property insurance, marine insurance, cargo insurance and specific insured persons, the insured amount needs to be reviewed when entering policy data. The review process aims to obtain the retention amount and contractual ceded amount of the relevant policies, so as to effectively identify and manage the potential accumulation of reinsurance risks, and thus formulate corresponding reinsurance strategies to reduce risk losses.
[0003] The current policy data review method mainly obtains the cumulative share of existing policies through the underwriting date. Since this method relies on a single time point, if backdating occurs during the validity period of the policy (that is, the policy signing date is set after the expiration date), the system will not be able to identify the risks of these policies, resulting in the omission of existing retained risks and ceded risks, thereby affecting the accuracy of the overall risk assessment. Summary of the invention
[0004] The embodiments of the present application provide a policy data review method, apparatus, equipment, medium and computer program product to at least solve the problem that existing policy data review methods are prone to omit existing policies and the risk assessment is not accurate enough.
[0005] In order to solve the above technical problems, this application is implemented as follows: In a first aspect, an embodiment of the present application provides a policy data review method, comprising: in response to an input policy review request, obtaining policy data corresponding to the policy review request, the policy data including an insurance period and a target insurance amount; selecting a target policy matching the insurance period from pre-entered historical policies, and determining the start date and risk insurance amount of the target policy based on the policy type of the target policy; grouping the target policies based on the start date of the target policy and various evaluation time points within the insurance period, and determining a target risk insurance amount based on the risk insurance amount of at least one target policy in each group; generating a review result of the policy data based on the target risk insurance amount and the target insurance amount.
[0006] In a second aspect, an embodiment of the present application provides a policy data review device, comprising: a data acquisition module, used to respond to an input policy review request and obtain the policy data corresponding to the policy review request, the policy data including an insurance period and a target insurance amount; a policy selection module, used to select a target policy that matches the insurance period from pre-entered historical policies, and determine the start date and risk insurance amount of the target policy according to the policy type of the target policy; a risk assessment module, used to group the target policies according to the start date of the target policy and each assessment time point within the insurance period, and determine the target risk insurance amount according to the risk insurance amount of at least one target policy in each group; a result generation module, used to generate a review result of the policy data based on the target risk insurance amount and the target insurance amount.
[0007] In a third aspect, an embodiment of the present application provides an electronic device, comprising a processor and a memory, wherein the memory stores programs or instructions that can be run on the processor, and when the program or instructions are executed by the processor, the steps of the method described in the first aspect above are implemented.
[0008] In a fourth aspect, an embodiment of the present application provides a readable storage medium, on which a program or instruction is stored. When the program or instruction is executed by a processor, the steps of the method described in the first aspect are implemented.
[0009] In a fifth aspect, an embodiment of the present application provides a computer program product, which includes a computer program stored on a non-transitory computer-readable storage medium, and the computer program includes program instructions. When the program instructions are executed by a computer, the computer executes the steps of the method described in the first aspect above.
[0010] In an embodiment of the present application, in response to an input policy review request, the policy data corresponding to the policy review request is obtained; a target policy that matches the insurance period is selected from pre-entered historical policies, and the start date and risk insurance amount of the target policy are determined according to the policy type of the target policy; the target policies are grouped according to the start date of the target policy and each evaluation time point within the insurance period, and the target risk insurance amount is determined according to the risk insurance amount of at least one target policy in each group; and the review results of the policy data are generated according to the target risk insurance amount and the target insurance amount. In this way, the target policies are grouped according to each evaluation time point within the insurance period, and the target risk insurance amount of each group is calculated, which can effectively reduce the possibility of missed evaluation or underestimation due to special circumstances such as backdating, enhance the risk identification capability of policy data, and improve the comprehensiveness and accuracy of policy review.
[0011] It should be understood that the foregoing general description and the following detailed description are exemplary and explanatory only and are not restrictive of the present application. BRIEF DESCRIPTION OF THE DRAWINGS
[0012] 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.
[0013] Figure 1 A schematic diagram showing an application scenario of the insurance policy data review method provided in an embodiment of the present application is shown; Figure 2 A schematic diagram showing a process flow of a method for reviewing insurance policy data provided by an embodiment of the present application is shown; Figure 3 A schematic diagram showing the structure of the insurance policy data review device provided in an embodiment of the present application is shown; Figure 4 A schematic diagram of the structure of an electronic device provided in an embodiment of the present application is shown. DETAILED DESCRIPTION
[0014] 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.
[0015] Figure 1 A schematic diagram of an application scenario of the insurance policy data review method provided in an embodiment of the present application is shown. As shown in the figure, the scenario schematic diagram includes an audit device 110 and a terminal device 120. The audit device 110 and the terminal device 120 are communicatively connected. The terminal device 120 provides an operation interface. The user sends a policy review request through the interactive interface, which triggers the audit device 110 to review the information in the policy data corresponding to the policy review request and return the review result to the terminal device 120.
[0016] At present, the audit device 110 usually obtains the cumulative share of existing policies through the underwriting date. Since the cumulative calculation of existing retained risks and contractual ceded risks is based on the underwriting time, only valid policies whose insurance validity period includes the current time point can be identified, that is, a single time point cannot completely cover all risks within the insurance period of the insured policy. For example, in the actual business operation, if a backdated policy is entered and the underwriting date is after the insurance expiration date of the existing policy, the existing retained risks and ceded risks cannot be obtained, which will cause the retained share or contractual ceded share of the backdated policy to increase, thereby affecting the accuracy of the overall risk assessment.
[0017] In response to the above-mentioned problems in the policy data review process, an embodiment of the present application provides a policy data review method, which groups target policies according to each evaluation time point within the insurance period, and calculates the target risk insurance amount of each group. This method can effectively reduce the possibility of missed assessments or underestimates due to special circumstances such as backdating, enhance the risk identification ability of policy data, and improve the comprehensiveness and accuracy of policy reviews.
[0018] Figure 2 A flow chart of the insurance policy data review method provided in an embodiment of the present application is shown. The execution subject of the method may be a terminal device or a server, wherein the terminal device may be a device such as a personal computer, or a mobile terminal device such as a mobile phone or a tablet computer, and the terminal device may be a terminal device used by a user. The server may be an independent server, or a server cluster composed of multiple servers, and the server may be a background server of a certain business, or a background server of a certain platform or application (for example, a data analysis platform, a risk management system, etc.). In the embodiment of the present application, the background server of the above-mentioned review device 110 is used as an example for explanation. For the case of the terminal device, it can be processed according to the following relevant content, which will not be repeated here. As shown in the figure, the insurance policy data review method 200 may include the following steps: Step 201: In response to an input policy review request, obtain policy data corresponding to the policy review request, wherein the policy data includes an insurance period and a target insurance amount.
[0019] In a specific implementation, the terminal device 120 provides an operation interface, through which the user enters the policy data and initiates a policy review request; the review device 110 responds to the input policy review request and obtains the policy data corresponding to the policy review request, wherein the policy data may include the insurance period, the target insurance amount, and the number of revisions; the insurance period may include the insurance start date and the insurance end date; the target insurance amount may include the policy amount and the risk limit. In a specific application, the risk limit may be a retention limit or a contract ceded limit.
[0020] Step 202: Select a target policy that matches the insurance period from the pre-entered historical policies, and determine the insurance start date and risk insurance amount of the target policy based on the policy type of the target policy.
[0021] In specific implementation, each historical policy includes information such as the insurance start date, insurance end date, retained insurance amount, and ceded insurance amount of the historical policy, and the historical policy with an insurance start date or insurance end date within the insurance period can be selected as the target policy. Each historical policy also includes information such as the number of revisions and the renewal policy number, and the policy type of the target policy can be determined based on the number of revisions and the renewal policy number, and then the start date and risk insurance amount of the target policy can be determined based on the policy type of the target policy.
[0022] In this way, the comprehensiveness of the policy review can be ensured, while the impact of revisions and renewals can be reduced and the accuracy of the policy review can be improved.
[0023] Step 203: The target policies are grouped according to the start date of the target policies and each evaluation time point within the insurance period, and a target risk insurance amount is determined according to the risk insurance amount of at least one target policy in each group.
[0024] The evaluation time point may be every day within the insurance period, a preset time point, or a time point obtained by dividing the insurance period into specific time intervals according to actual needs.
[0025] In the specific implementation, the target policies are grouped according to the start date and evaluation time point of the target policies, and the target risk insurance amount is determined according to the risk insurance amount of at least one target policy in each group. In the specific application, for each group, the maximum risk insurance amount among the risk insurance amounts of at least one target policy in the group is determined as the target risk insurance amount, wherein the target risk insurance amount corresponds to the target insurance amount, and can be a retained insurance amount or a contractual ceded insurance amount.
[0026] Step 204: Generate the audit result of the insurance policy data according to the target risk insurance amount and the target insurance amount.
[0027] In specific implementation, the target risk insurance amounts corresponding to each group can be accumulated to obtain the risk accumulation amount, and the risk accumulation amount can be compared with the target insurance amount to obtain the audit result of the policy data, which can include information such as the retained insurance amount of the policy data and the contract ceded insurance amount of the policy data.
[0028] In this way, the target policies are grouped according to each assessment time point within the insurance period, and the target risk insurance amount of each group is calculated. This can effectively reduce the possibility of missed assessment or underestimate due to special circumstances such as backdating, enhance the risk identification ability of policy data, and improve the comprehensiveness and accuracy of policy review.
[0029] In a possible implementation, in the above step 202, determining the insurance start date and risk insurance amount of the target insurance policy according to the policy type of the target insurance policy includes: Obtaining the policy information of the target policy; determining the policy type of the target policy based on the policy information; determining the start date and risk coverage of the target policy based on the policy type of the target policy.
[0030] In an embodiment of the present application, the policy information of the target policy can be read, as shown in Table 1, the policy information includes the policy number, number of revisions, renewal number, etc. The policy type of the target policy is determined based on the policy information. For example, if the number of revisions of the target policy is not zero, the target policy is a revised policy. If the renewal number does not match the policy number of the target policy, the target policy is a renewal policy. Based on the policy type of the target policy, the start date and risk date of the target policy are determined to reduce the impact of revised and renewed policies on the audit results and improve the accuracy of the policy audit.
[0031] Table 1. Policy information of target policy
[0032] In a possible implementation, the policy information includes the number of revisions; when it is determined that the policy type of the target policy is a revised policy based on the number of revisions, the above-mentioned determining the insurance start date and risk insured amount of the target policy based on the policy type of the target policy includes: The insurance start date of the target policy is determined as the insurance start date of the target policy; the largest revised insurance amount among the revised insurance amounts of the target policy in each revision is determined as the risk insurance amount of the target policy.
[0033] In an exemplary embodiment, taking the policy information of the target policy in Table 1 above as an example, the number of revisions of the target policy policy1 is 2, that is, the target policy is a revised policy, and the insurance start date 2023 / 7 / 12 of the target policy is used as the insurance start date of the target policy; the revised insurance amount of 5,000,000.00 with the largest revised insurance amount in the 2 revisions of the target policy is determined as the risk insurance amount.
[0034] In an exemplary embodiment, the policy information includes a renewal policy number; when it is determined that the policy type of the target policy is a renewal policy according to the renewal policy number, determining the start date and risk insured amount of the target policy according to the policy type of the target policy includes: The target insurance start date in the insurance start date of the target policy is determined as the insurance start date of the target policy, and the target insurance start date is the insurance start date in the insurance start date that is closest to the review time point of the policy data; the renewal insured amount of the target policy is determined as the risk insured amount of the target policy.
[0035] In an exemplary embodiment, taking the policy information of the target policy in Table 1 above as an example, the renewal policy number of the target policy policy5 after renewal is policy6, and the renewal policy number policy6 does not match the policy number policy5 of the target policy, that is, the target policy is a renewal policy, and the latest insurance start date 2023 / 11 / 1 among the insurance start dates of policy5 and policy6 is used as the start date of the target policy; the renewal insured amount of 500,000.00 of the target policy is determined as the risk insured amount of the target policy.
[0036] If the evaluation time point is set to every day within the insurance period, the target policies policy3 and policy4 are grouped together, and the maximum risk amount of the two target policies in the group is determined as the target risk amount. After the above processing, the policy information shown in Table 2 can be obtained.
[0037] Table 2. Policy information of the processed target policy
[0038] In a possible implementation, in the above step 204, generating the audit result of the insurance policy data according to the target risk insurance amount and the target insurance amount includes: The target risk insurance amount is accumulated to obtain a risk accumulation amount; the risk accumulation amount is compared with the target insurance amount to generate a review result of the policy data.
[0039] In an embodiment of the present application, the target risk insurance amounts corresponding to the above-mentioned groups can be accumulated to obtain a risk accumulation amount; the risk accumulation amount is compared with the target insurance amount to generate a review result of the policy data. For example, when the risk accumulation amount is greater than or equal to the target insurance amount, the policy data review fails; when the risk accumulation amount is less than the target insurance amount, the policy data review passes.
[0040] Among them, the target insurance amount includes the policy sum insured and the risk limit; The above-mentioned comparison of the risk accumulation amount with the target insurance amount to generate the audit result of the insurance policy data includes: In the case where the risk accumulation amount is less than the risk limit, determining the difference between the risk limit and the risk accumulation amount, and determining the minimum value between the difference and the risk limit as the audit result of the insurance policy data; In the case where the risk accumulation amount is greater than or equal to the risk limit, target prompt information is generated, and the target prompt information is used to indicate that the audit result is not passed.
[0041] Among them, the risk accumulation amount corresponds to the target insurance amount, which can be the self-retained accumulation amount or the contract ceded accumulation amount. Correspondingly, the audit results can include the self-retained amount of the policy data and the contract ceded amount of the policy data.
[0042] In the embodiment of the present application, the retained insured amount and the contractual ceded insured amount of the policy data can be determined by the following formula: Self-retention amount = min(if((self-retention limit - self-retention cumulative amount)>0, (self-retention limit - self-retention cumulative amount),0), policy amount); Contract ceded sum insured = min(if((Contract ceded limit - accumulated amount retained)>0, (Contract ceded limit - accumulated amount retained),0), Policy sum insured).
[0043] When the risk accumulation amount is less than the risk limit, the retained amount and contractual ceded amount obtained by the above formula are determined as the audit result of the policy data. When the risk accumulation amount is greater than or equal to the risk limit, that is, the retained amount or contractual ceded amount is zero, a target prompt information is generated at this time, and the target prompt information is used to indicate that the audit result is not passed, so as to control the risk accumulation amount, formulate corresponding reinsurance strategies in time, and reduce risk losses.
[0044] The embodiment of the present application provides a method for reviewing insurance policy data, which responds to an input insurance policy review request and obtains insurance policy data corresponding to the insurance policy review request; selects a target insurance policy that matches the insurance period from pre-entered historical insurance policies, and determines the start date and risk insurance amount of the target insurance policy according to the policy type of the target insurance policy; groups the target insurance policies according to the start date of the target insurance policy and each evaluation time point within the insurance period, and determines the target risk insurance amount according to the risk insurance amount of at least one target policy in each group; generates the review result of the insurance policy data according to the target risk insurance amount and the target insurance amount. In this way, the target insurance policies are grouped according to each evaluation time point within the insurance period, and the target risk insurance amount of each group is calculated, which can effectively reduce the possibility of missed evaluation or underestimated due to special circumstances such as backdating, enhance the risk identification ability of insurance policy data, and improve the comprehensiveness and accuracy of insurance policy review.
[0045] In addition, by determining the start date and risk coverage of the target policy based on its policy type, the impact of policy revisions and renewals on the audit results can be reduced, thereby improving the accuracy of policy audits.
[0046] Figure 3 The structure diagram of the insurance policy data review device provided in the embodiment of the present application is shown. The insurance policy data review device can be implemented as follows: Figure 2 In the embodiment shown, all or part of the contents, the policy data review device 300 includes: The data acquisition module 310 is used to respond to the inputted policy review request and acquire the policy data corresponding to the policy review request, wherein the policy data includes the insurance period and the target insurance amount; The insurance policy selection module 320 is used to select a target insurance policy that matches the insurance period from the pre-entered historical insurance policies, and determine the insurance start date and risk insurance amount of the target insurance policy according to the policy type of the target insurance policy; The risk assessment module 330 is used to group the target policies according to the start date of the target policies and each assessment time point within the insurance period, and determine the target risk insurance amount according to the risk insurance amount of at least one target policy in each group; The result generation module 340 is used to generate the audit result of the insurance policy data according to the target risk insurance amount and the target insurance amount.
[0047] In a possible implementation, the insurance policy selection module 320, when used to determine the insurance start date and risk insurance amount of the target insurance policy according to the policy type of the target insurance policy, is specifically used to: Obtaining policy information of the target policy; Determining the policy type of the target policy according to the policy information; According to the policy type of the target policy, the insurance start date and risk insurance amount of the target policy are determined.
[0048] In a possible implementation, the policy information includes the number of revisions; when it is determined that the policy type of the target policy is a revised policy according to the number of revisions, the policy selection module 320, when used to determine the insurance start date and risk insured amount of the target policy according to the policy type of the target policy, is specifically used to: Determining the insurance commencement period of the target insurance policy as the insurance commencement date of the target insurance policy; The largest revised insurance sum among the revised insurance sums of the target insurance policy in each revision is determined as the risk insurance sum of the target insurance policy.
[0049] In a possible implementation, the policy information includes a renewal policy number; when it is determined that the policy type of the target policy is a renewal policy according to the renewal policy number, the policy selection module 320, when used to determine the start date and risk insured amount of the target policy according to the policy type of the target policy, is specifically used to: Determine the target insurance start date in the insurance start dates of the target insurance policy, which is the insurance start date closest to the review time point of the insurance policy data, of the insurance start dates corresponding to the target insurance policy and the renewal policy number; The renewal sum insured of the target policy is determined as the risk sum insured of the target policy.
[0050] In a possible implementation, the result generation module 340, when used to generate the audit result of the insurance policy data according to the target risk insurance amount and the target insurance amount, is specifically used to: Accumulating the target risk insured amount to obtain the risk accumulation amount; The risk accumulation amount is compared with the target insurance amount to generate a review result of the policy data.
[0051] Wherein, the target insurance amount includes the policy sum insured and the risk limit; The result generation module 340 is used to compare the risk accumulation amount with the target insurance amount to generate the audit result of the insurance policy data, specifically for: In the case where the risk accumulation amount is less than the risk limit, determining the difference between the risk limit and the risk accumulation amount, and determining the minimum value between the difference and the risk limit as the audit result of the insurance policy data; In the case where the risk accumulation amount is greater than or equal to the risk limit, target prompt information is generated, and the target prompt information is used to indicate that the audit result is not passed.
[0052] The embodiment of the present application provides a policy data review device, including a data acquisition module, a policy selection module, a risk assessment module and a result generation module; the data acquisition module responds to the input policy review request to obtain the policy data corresponding to the policy review request, and the policy data includes the insurance period and the target insurance amount; the policy selection module selects a target policy that matches the insurance period from the pre-entered historical policies, and determines the start date and risk insurance amount of the target policy according to the policy type of the target policy; the risk assessment module groups the target policies according to the start date of the target policy and each evaluation time point within the insurance period, and determines the target risk insurance amount according to the risk insurance amount of at least one target policy in each group; the result generation module generates the review result of the policy data according to the target risk insurance amount and the target insurance amount. In this way, the target policies are grouped according to each evaluation time point within the insurance period, and the target risk insurance amount of each group is calculated, which can effectively reduce the possibility of missed evaluation or underestimated due to special circumstances such as backdating, enhance the risk identification ability of policy data, and improve the comprehensiveness and accuracy of policy review.
[0053] Figure 4 The hardware structure diagram of the electronic device provided by the embodiment of the present application is shown. Referring to the figure, at the hardware level, the electronic device 400 includes a processor 410, and optionally, includes an internal bus 420, a network interface 430, and a memory 440. Among them, the memory 440 may include a memory 441, such as a high-speed random access memory (Random-Access Memory, RAM), and may also include a non-volatile memory 442 (non-volatile memory), such as at least one disk storage, etc. Of course, the electronic device 400 may also include hardware required for other services.
[0054] The processor 410, the network interface 430 and the memory may be connected to each other via an internal bus 420, which 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. For ease of representation, only one bidirectional arrow is used in the figure, but it does not mean that there is only one bus or one type of bus.
[0055] The memory 440 stores programs. Specifically, the programs may include program codes, and the program codes include computer operation instructions. The memory 440 may include a memory 441 and a non-volatile memory 442 , and provide instructions and data to the processor 410 .
[0056] The processor 410 reads the corresponding computer program from the non-volatile memory 442 into the memory and then runs it, forming a device for locating the target user at the logical level. The processor 410 executes the program stored in the memory and specifically performs: Figure 2 The method disclosed in the illustrated embodiment realizes the functions and beneficial effects of each method described in the foregoing method embodiments, which will not be described in detail here.
[0057] The above application Figure 2 The method disclosed in the illustrated embodiment can be applied to the processor 410 or implemented by the processor 410. The processor 410 may be an integrated circuit chip with signal processing capabilities. In the implementation process, each step of the above method can be completed by the hardware integrated logic circuit or software instructions in the processor 410. The above processor 410 can be a general-purpose processor, including a central processing unit (CPU), a network processor (NP), etc.; it can also be a digital signal processor (DSP), an application-specific integrated circuit (ASIC), a field-programmable gate array (FPGA) or other programmable logic devices, discrete gates or transistor logic devices, discrete hardware components. The methods, steps and logic block diagrams disclosed in the embodiments of the present application can be implemented or executed. The general-purpose processor can be a microprocessor or the processor can also be any conventional processor, etc. The steps of the method disclosed in the embodiments of the present application can be directly embodied as a hardware decoding processor for execution, or a combination of hardware and software modules in the decoding processor for execution. The software module can be located in a storage medium mature in the art such as a random access memory, a flash memory, a read-only memory, a programmable read-only memory, or an electrically erasable programmable memory, a register, etc. The storage medium is located in the memory, and the processor reads the information in the memory and completes the steps of the above method in combination with its hardware.
[0058] The computer device can also execute the methods described in the foregoing method embodiments, and realize the functions and beneficial effects of the methods described in the foregoing method embodiments, which will not be repeated here.
[0059] Of course, in addition to software implementation methods, the electronic device of the present application does not exclude other implementation methods, such as logic devices or a combination of software and hardware, etc. That is to say, the execution subject of the following processing flow is not limited to each logic unit, but can also be hardware or logic devices.
[0060] The embodiment of the present application also provides a computer-readable storage medium, wherein the computer-readable medium stores one or more programs, and when the one or more programs are executed by an electronic device including a plurality of application programs, the electronic device executes Figure 2 The method disclosed in the illustrated embodiment realizes the functions and beneficial effects of each method described in the foregoing method embodiments, which will not be described in detail here.
[0061] The computer-readable storage medium includes a read-only memory (ROM), a random access memory (RAM), a magnetic disk or an optical disk, etc.
[0062] Furthermore, an embodiment of the present application also provides a computer program product, the computer program product comprising a computer program stored on a non-transitory computer-readable storage medium, the computer program comprising program instructions, and when the program instructions are executed by a computer, the following process is implemented: Figure 2 The method disclosed in the illustrated embodiment realizes the functions and beneficial effects of each method described in the foregoing method embodiments, which will not be described in detail here.
[0063] The embodiments of the present application can be applied to various electronic device collaboration or interconnection scenarios, including: collaboration and interconnection between mobile phones and laptops / tablet computers; collaboration and interconnection between mobile terminals and smart TVs / displays; collaboration and interconnection between mobile phones or tablet computers and in-car entertainment systems; collaboration and interconnection between mobile terminals and smart conference systems, etc., so as to meet the needs of users in various scenarios such as smart homes, smart offices, and smart travel.
[0064] In short, the above is only a preferred embodiment of the present application and does not limit the protection scope of the present application. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present application shall be included in the protection scope of the present application.
[0065] The systems, devices, modules or units described in the above embodiments may be implemented by computer chips or entities, or by products with certain functions. A typical implementation device is a computer. Specifically, the computer may be, for example, a personal computer, a laptop computer, a cellular phone, a camera phone, a smart phone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.
[0066] Computer readable media include permanent and non-permanent, removable and non-removable media that can be implemented by any method or technology to store information. Information can be computer readable instructions, data structures, program modules or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technology, compact disk read-only memory (CD-ROM), digital versatile disk (DVD) or other optical storage, magnetic cassettes, magnetic tape disk storage or other magnetic storage devices or any other non-transmission media that can store information that can be accessed by a computing device. As defined herein, computer readable media does not include temporary computer readable media (transitory media), such as modulated data signals and carrier waves.
[0067] It should also be noted that the terms "include", "comprises" or any other variations thereof are intended to cover non-exclusive inclusion, so that a process, method, commodity or device including a series of elements includes not only those elements, but also other elements not explicitly listed, or also includes elements inherent to such process, method, commodity or device. In the absence of more restrictions, the elements defined by the sentence "comprises a ..." do not exclude the existence of other identical elements in the process, method, commodity or device including the elements.
[0068] Each embodiment in this specification is described in a progressive manner, and the same or similar parts between the embodiments can be referred to each other, and each embodiment focuses on the differences from other embodiments. In particular, for the system embodiment, since it is basically similar to the method embodiment, the description is relatively simple, and the relevant parts can be referred to the partial description of the method embodiment.
Claims
1. A method for reviewing insurance policy data, characterized in that: include: In response to the inputted policy review request, obtaining policy data corresponding to the policy review request, wherein the policy data includes an insurance period and a target insurance amount; Selecting a target policy that matches the insurance period from pre-entered historical policies, and determining the insurance start date and risk insured amount of the target policy according to the policy type of the target policy; The target policies are grouped according to the start date of the target policies and each evaluation time point within the insurance period, and a target risk insurance amount is determined according to the risk insurance amount of at least one target policy in each group; The audit result of the policy data is generated according to the target risk insurance amount and the target insurance amount.
2. The method according to claim 1, characterized in that Determining the insurance start date and risk insurance amount of the target insurance policy according to the policy type of the target insurance policy includes: Obtaining policy information of the target policy; Determining the policy type of the target policy according to the policy information; According to the policy type of the target policy, the insurance start date and risk insurance amount of the target policy are determined.
3. The method according to claim 2, characterized in that The policy information includes the number of revisions; when the policy type of the target policy is determined to be a revised policy based on the number of revisions, determining the insurance start date and risk insured amount of the target policy based on the policy type of the target policy includes: Determining the insurance commencement period of the target insurance policy as the insurance commencement date of the target insurance policy; The largest revised insurance sum among the revised insurance sums of the target insurance policy in each revision is determined as the risk insurance sum of the target insurance policy.
4. The method according to claim 2, characterized in that: The policy information includes a renewal policy number; when it is determined that the policy type of the target policy is a renewal policy according to the renewal policy number, determining the start date and risk insured amount of the target policy according to the policy type of the target policy includes: Determine the target insurance start date in the insurance start dates of the target insurance policy, which is the insurance start date closest to the review time point of the insurance policy data, of the insurance start dates corresponding to the target insurance policy and the renewal policy number; The renewal sum insured of the target policy is determined as the risk sum insured of the target policy.
5. The method according to claim 1, characterized in that Generating the audit result of the insurance policy data according to the target risk insurance amount and the target insurance amount includes: Accumulating the target risk insured amount to obtain the risk accumulation amount; The risk accumulation amount is compared with the target insurance amount to generate a review result of the policy data.
6. The method according to claim 5, characterized in that The target insurance amount includes the policy sum insured and the risk limit; The step of comparing the risk accumulation amount with the target insurance amount to generate the audit result of the insurance policy data includes: In the case where the risk accumulation amount is less than the risk limit, determining the difference between the risk limit and the risk accumulation amount, and determining the minimum value between the difference and the risk limit as the audit result of the insurance policy data; In the case where the risk accumulation amount is greater than or equal to the risk limit, target prompt information is generated, and the target prompt information is used to indicate that the audit result is not passed.
7. A device for reviewing insurance policy data, characterized in that: include: A data acquisition module, configured to respond to an inputted policy review request and acquire policy data corresponding to the policy review request, wherein the policy data includes an insurance period and a target insurance amount; The insurance policy selection module is used to select a target insurance policy that matches the insurance period from the pre-entered historical insurance policies, and determine the insurance start date and risk insurance amount of the target insurance policy according to the policy type of the target insurance policy; A risk assessment module, configured to group the target policies according to the start date of the target policies and each assessment time point within the insurance period, and determine a target risk insurance amount according to the risk insurance amount of at least one target policy in each group; A result generating module is used to generate the audit result of the insurance policy data according to the target risk insurance amount and the target insurance amount.
8. An electronic device, characterized in that: The electronic device comprises a processor and a memory, wherein the memory stores a program or instruction that can be run on the processor, and when the program or instruction is executed by the processor, the steps of the method according to any one of claims 1 to 6 are implemented.
9. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores a program or instruction, and when the program or instruction is executed by a processor, the steps of the method according to any one of claims 1 to 6 are implemented.
10. A computer program product, characterized in that The computer program product comprises a computer program stored on a non-transitory computer-readable storage medium, wherein the computer program comprises program instructions, and when the program instructions are executed by a computer, the computer is caused to perform the steps of the method according to any one of claims 1 to 6.