Reinsurance pre-estimation bill generation method and device and electronic equipment
By obtaining and processing the estimated information in the reinsurance business, a first estimated bill corresponding to the target reinsurance is generated, and the financial identification abnormality caused by time deviation is solved, and the accuracy and reliability of the bill is achieved.
Patent Information
- Application Number
- CN202411496384.0
- Authority / Receiving Office
- CN · China
- Patent Type
- Applications(China)
- Current Assignee / Owner
- Filing Date
- 2024-10-24
- Publication Date
- 2025-02-11
AI Technical Summary
In reinsurance business, due to the deviation of the time when the business department enters contract information in the system and operates the estimated account, the actual time point of the estimated account is often not in the month when the contract takes effect, resulting in abnormal financial identification.
By obtaining the estimated total premium, estimated contract start period, estimated contract end period and estimated template corresponding to the target reinsurance, the first estimated bill corresponding to the target reinsurance is generated based on this information. The method includes determining the estimated bill financial period corresponding to each estimated installment, and redetermining the financial period corresponding to each estimated installment based on the current time to avoid financial identification abnormalities.
This method can effectively avoid financial identification abnormalities and avoid affecting subsequent statistical reports, ensuring the accuracy and reliability of reinsurance estimate bills.
Smart Images
Figure CN119417620A_ABST
Abstract
Description
Technical Field
[0001] The present application relates to the field of data processing, and in particular to a method, device and electronic device for generating an estimated reinsurance bill. Background Art
[0002] Reinsurance is the act of an insurer transferring part of the risks and responsibilities it should bear to other insurance companies for insurance through signing a reinsurance contract based on the original insurance contract. Contractual reinsurance is a pre-agreed, long-term cooperation method in this transfer behavior. Reinsurance contract ceding is a type of reinsurance business. It is based on the reinsurance contract and the reinsurer undertakes part of the insurance business ceded by the ceding company. The estimated account of contract ceding is because the actual bill of the reinsurance contract is generally received later than the actual financial month of the bill. The business department estimates the bill amount of the current year contract on a quarterly basis based on the bill premiums, handling fees, and claims of the contract in previous years. After the reinsurance contract takes effect, the terminal reinsurance premium income of the contract is estimated for each sub-contract through the calculation method of the terminal premium of the reinsurance bill, and it is allocated to each bill period within the effective period of the contract according to an appropriate method, and the reinsurance premium income of each period is confirmed, and the corresponding handling fees are estimated at the same time, and the reserve is evaluated to meet the financial profit balance needs.
[0003] At present, in actual business operation scenarios, due to the deviation between the confirmation time of the sub-contract and the time when the business department enters the contract information into the system and operates the estimated account, the actual operation time of the estimated account is often not in the month when the contract takes effect. Setting the financial month according to the general estimated account period will lead to financial identification abnormalities. For example, if the contract start date is January 1, 2024, and the actual system entry time is March 2024, the financial account period is already March 2024, and the estimated account for January 2024 can no longer be recorded. Summary of the invention
[0004] The present application discloses a method, device and electronic device for generating an estimated reinsurance bill, which can avoid financial identification anomalies.
[0005] In order to solve the above problems, this application adopts the following technical solutions: In a first aspect, an embodiment of the present application discloses a method for generating an estimated reinsurance bill, comprising: obtaining an estimated total premium, an estimated contract start date, an estimated contract end date, and an estimated template corresponding to a target reinsurance, wherein the estimated template comprises estimated installment information, an estimated premium ratio corresponding to each estimated installment, a handling fee ratio corresponding to each estimated installment, and a claim ratio corresponding to each estimated installment; based on the estimated contract start date, the estimated contract end date, and the estimated installment information, determining the estimated bill financial account period corresponding to each estimated installment respectively; based on the current time and the estimated bill financial account period corresponding to each estimated installment, determining the financial account period corresponding to each estimated installment; generating a first estimated bill corresponding to the target reinsurance based on the estimated total premium, the estimated contract start date, the estimated contract end date, the estimated template, and the financial account period corresponding to each estimated installment.
[0006] In a second aspect, an embodiment of the present application discloses a device for generating an estimated reinsurance bill, comprising: an acquisition module, used to acquire an estimated total premium, an estimated contract start date, an estimated contract end date, and an estimated template corresponding to a target reinsurance, wherein the estimated template includes estimated installment information, an estimated premium ratio corresponding to each estimated installment, a handling fee ratio corresponding to each estimated installment, and a claim ratio corresponding to each estimated installment; a determination module, used to determine the estimated bill financial account period corresponding to each estimated installment based on the estimated contract start date, the estimated contract end date, and the estimated installment information; the determination module is also used to determine the financial account period corresponding to each estimated installment based on the current time and the estimated bill financial account period corresponding to each estimated installment; a generation module, used to generate a first estimated bill corresponding to the target reinsurance based on the estimated total premium, the estimated contract start date, the estimated contract end date, the estimation template, and the financial account period corresponding to each estimated installment.
[0007] In a third aspect, an embodiment of the present application provides an electronic device, which includes 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 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, and 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, which, when executed by a computer, cause the computer to execute: the steps of the method described in the first aspect.
[0010] The technical solution adopted in this application can achieve the following beneficial effects: The embodiment of the present application provides a method for generating an estimated reinsurance bill, by obtaining an estimated total premium, an estimated contract start date, an estimated contract end date, and an estimated template corresponding to a target reinsurance, the estimated template including estimated installment information, an estimated premium ratio corresponding to each estimated installment, a handling fee ratio corresponding to each estimated installment, and a claim ratio corresponding to each estimated installment; based on the estimated contract start date, the estimated contract end date, and the estimated installment information, the estimated bill financial account period corresponding to each estimated installment is determined respectively; then, based on the current time and the estimated bill financial account period corresponding to each estimated installment, the financial account period corresponding to each estimated installment is determined; based on the estimated total premium, the estimated contract start date, the estimated contract end date, the estimated template, and the financial account period corresponding to each estimated installment, a first estimated bill corresponding to the target reinsurance is generated, thereby avoiding financial identification anomalies and avoiding affecting subsequent statistical reports. BRIEF DESCRIPTION OF THE DRAWINGS
[0011] Figure 1 A schematic diagram of a process for generating a reinsurance estimated bill disclosed in an embodiment of the present application; Figure 2 A schematic diagram of an estimated bill disclosed in an embodiment of the present application; Figure 3 A schematic diagram of a financial account period corresponding to an estimated bill disclosed in an embodiment of the present application; Figure 4 A schematic diagram of a first estimated bill disclosed in an embodiment of the present application; Figure 5 A schematic diagram of a second estimated bill disclosed in an embodiment of the present application; Figure 6 A schematic diagram of a bill reversal disclosed in an embodiment of the present application; Figure 7 A schematic diagram of the structure of a device for generating an estimated reinsurance bill disclosed in an embodiment of the present application; Figure 8 A schematic diagram of the structure of an electronic device disclosed in an embodiment of the present application. DETAILED DESCRIPTION
[0012] The following will be combined with the drawings in the embodiments of the present application to clearly describe the technical solutions in the embodiments of the present application. Obviously, the described embodiments are part of the embodiments of the present application, rather than all the embodiments. All other embodiments obtained by ordinary technicians in this field based on the embodiments in the present application belong to the scope of protection of this application.
[0013] The terms "first", "second", etc. in the specification and claims of the present application are used to distinguish similar objects, and are not used to describe a specific order or sequence. It should be understood that the terms used in this way are interchangeable where appropriate, so that the embodiments of the present application can be implemented in an order other than those illustrated or described herein, and the objects distinguished by "first", "second", etc. are generally of one type, and the number of objects is not limited. For example, the first object can be one or more. In addition, "and / or" in the specification and claims represents at least one of the electrically connected objects, and the character " / " generally indicates that the objects associated with each other are in an "or" relationship.
[0014] In conjunction with the accompanying drawings, the following describes in detail the method, device and electronic device for generating an estimated reinsurance bill disclosed in the embodiments of the present application through specific embodiments and application scenarios.
[0015] The present application discloses a method for generating an estimated reinsurance bill. Figure 1 FIG. 1 is a flow chart of a method for generating a reinsurance estimated bill disclosed in an embodiment of the present application. Figure 1 As shown, the method comprises the following steps: S120: Obtain an estimated total premium, an estimated contract start date, an estimated contract end date, and an estimation template corresponding to the target reinsurance.
[0016] Among them, the estimated template includes estimated installment information, estimated premium ratio corresponding to each estimated installment, handling fee ratio corresponding to each estimated installment, and compensation ratio corresponding to each estimated installment.
[0017] In the present application, the estimated total premium, estimated contract start date, and estimated contract end date corresponding to the target reinsurance can be obtained by receiving the estimated total premium, estimated contract start date, and estimated contract end date corresponding to the target reinsurance input from the outside. The estimated total premium, estimated contract start date, estimated contract end date, and estimation template corresponding to the target reinsurance can be determined based on historical data related to the target reinsurance. By inputting the estimated total premium, estimated contract start date, and estimated contract end date corresponding to the target reinsurance into the estimation template, the target reinsurance can be quickly estimated. For example, Figure 2As shown, the contract id corresponding to the target reinsurance may be A2024001, the estimated total premium corresponding to the target reinsurance may be 100000000.00, the estimated contract start date may be 2024.03.01, and the estimated contract end date may be 2025.02.28. The estimation template in this application may also be an estimation model.
[0018] In the present application, the target reinsurance may be an insurance of a target type, and the estimation template may be a template corresponding to the insurance of the target type. Exemplarily, the target reinsurance may be an insurance product of the first type of risk, and the estimation template may be a template corresponding to the insurance product of the first type of risk; the target reinsurance may be property insurance, and the estimation template may be a template corresponding to property insurance; the target reinsurance may be property insurance of the first type of risk, and the estimation template may be a template corresponding to the property insurance of the first type of risk; the target reinsurance may be an insurance product of the first type of risk divided into 4 periods, and the estimation template may be a template corresponding to the insurance product of the first type of risk divided into 4 periods; the target reinsurance may be an insurance product of the first type of risk in the first type of region, and the estimation template may be a template corresponding to the insurance product of the first type of risk in the first type of region. In the present application, the target type may be at least one of risk type, insurance type, phase type, region type, and channel type.
[0019] In the present application, after obtaining the estimated total premium, estimated contract start date and estimated contract end date corresponding to the target reinsurance, multiple estimation templates corresponding to the target type can be determined and displayed based on the target type of the target reinsurance, and then a selection operation for the estimation template is received. Based on the selection operation, the estimation template corresponding to the target reinsurance is determined. That is, the estimation template corresponding to the target reinsurance can be determined based on manual selection, and when performing manual selection, the estimation template closest to the relevant historical data of the target reinsurance in the most recent year / several years can be selected from the displayed multiple estimation templates. For example, in the past five years, the premium in the first quarter of each year can reach 30% of the annual premium, and the premium in the second quarter can reach 25%. When selecting an estimation template, an estimation template can be selected in which the estimated premium corresponding to the first quarter accounts for nearly 30% and the estimated premium corresponding to the second quarter accounts for nearly 25%. In addition, the estimation template corresponding to the target reinsurance can also be set according to actual needs, and this application does not make specific restrictions on this.
[0020] For example, the estimated installment information in the estimation template may be divided into 4 installments by quarter, 6 installments by quarter, etc. Figure 2 The estimated total installment in the calculation is divided into several periods, and there are several estimated installments. The estimated premium proportions corresponding to each estimated installment can be different. For example, Figure 2As shown, when the estimated installment information divides the target reinsurance into 6 installments, the estimated premium ratio corresponding to the first estimated installment can be 25%, the estimated premium ratio corresponding to the second estimated installment can be 25%, the estimated premium ratio corresponding to the third estimated installment can be 20%, the estimated premium ratio corresponding to the fourth estimated installment can be 15%, the estimated premium ratio corresponding to the fifth estimated installment can be 10%, and the estimated premium ratio corresponding to the sixth estimated installment can be 5%. The handling fee ratio corresponding to each estimated installment can be the same or different. For example, Figure 2 As shown in FIG. 1 , the handling fee ratio corresponding to each estimated installment can be 30%. The compensation ratio corresponding to each estimated installment can be the same or different. For example, Figure 2 As shown, the compensation ratio corresponding to each estimated installment can be 20%.
[0021] S140: Based on the estimated contract start date, the estimated contract end date and the estimated installment information, respectively determine an estimated billing financial account period corresponding to each estimated installment.
[0022] For example, Figure 2 As shown, when the estimated contract start date is 2024.03.01, the estimated contract end date is 2025.02.28, and the estimated installment information is divided into 6 installments by quarter, it can be determined that the estimated bill start date of the first estimated installment is 2024.03.01, and the estimated bill end date of the first estimated installment is 2025.02.28, and then the estimated bill financial account period of the first estimated installment is determined as follows Figure 3 As shown in March 2024, the estimated billing period for the second estimated installment is determined to be 2024.06.01, and the estimated billing period for the second estimated installment is determined to be 2025.05.31, thereby determining the estimated billing financial period for the second estimated installment as follows Figure 3 As shown in June 2024, correspondingly, according to the same method, the estimated billing financial account period of the third estimated installment can be determined as September 2024, the estimated billing financial account period of the fourth estimated installment can be determined as December 2024, the estimated billing financial account period of the fifth estimated installment can be determined as March 2025, and the estimated billing financial account period of the sixth estimated installment can be determined as June 2025.
[0023] S160: Determine the financial account period corresponding to each estimated installment based on the current time and the estimated billing financial account period corresponding to each estimated installment.
[0024] In the present application, the current time is the time for obtaining the estimated total premium, estimated contract start date, estimated contract end date and estimated template corresponding to the target reinsurance to generate the first estimated bill corresponding to the target reinsurance, that is, the estimated bill processing date.
[0025] This application redetermines the financial account period corresponding to each estimated installment based on the estimated billing financial account period corresponding to each estimated installment and the current time to avoid financial identification anomalies.
[0026] It should be noted that the financial account period corresponding to each estimated installment determined here is the actual financial account period of the estimated bill corresponding to each estimated installment.
[0027] S180: Generate a first estimated bill corresponding to the target reinsurance based on the estimated total premium, the estimated contract start date, the estimated contract end date, the estimation template, and the financial account period corresponding to each estimated installment.
[0028] The present application generates a first estimated bill corresponding to the target reinsurance based on the estimated total premium, estimated contract start date, estimated contract end date, estimated template corresponding to the target reinsurance, and the financial account period corresponding to each estimated installment re-determined based on the current time, thereby avoiding financial identification anomalies.
[0029] For example, the first estimated bill corresponding to the target reinsurance generated based on the method of the present application may be as follows: Figure 4 shown.
[0030] The embodiment of the present application provides a method for generating an estimated reinsurance bill, by obtaining an estimated total premium, an estimated contract start date, an estimated contract end date, and an estimated template corresponding to a target reinsurance, the estimated template including estimated installment information, an estimated premium ratio corresponding to each estimated installment, a handling fee ratio corresponding to each estimated installment, and a claim ratio corresponding to each estimated installment; based on the estimated contract start date, the estimated contract end date, and the estimated installment information, the estimated bill financial account period corresponding to each estimated installment is determined respectively; then, based on the current time and the estimated bill financial account period corresponding to each estimated installment, the financial account period corresponding to each estimated installment is determined; based on the estimated total premium, the estimated contract start date, the estimated contract end date, the estimated template, and the financial account period corresponding to each estimated installment, a first estimated bill corresponding to the target reinsurance is generated, thereby avoiding financial identification anomalies and avoiding affecting subsequent statistical reports.
[0031] In an embodiment of the present application, determining the financial account period corresponding to each estimated installment based on the current time and the estimated billing financial account period corresponding to each estimated installment may include: when the estimated billing financial account period corresponding to a first estimated installment is less than the current time, using the current time as the financial account period corresponding to the first estimated installment, wherein the first estimated installment is any estimated installment among the individual estimated installments; when the estimated billing financial account period corresponding to the first estimated installment is greater than or equal to the current time, using the estimated billing financial account period corresponding to the first estimated installment as the financial account period corresponding to the first estimated installment.
[0032] For example, Figure 3 As shown, the estimated bill processing date (i.e., current time) is April 2024, the estimated bill financial account period of the first estimated installment is March 2024, the estimated bill financial account period of the second estimated installment is June 2024, the estimated bill financial account period of the third estimated installment is September 2024, the estimated bill financial account period of the fourth estimated installment is December 2024, the estimated bill financial account period of the fifth estimated installment is March 2025, and the estimated bill financial account period of the sixth estimated installment is June 2025. Since the estimated bill financial account period of the first estimated installment is less than the current time, the current time is used as the financial account period corresponding to the first estimated installment. Since the estimated bill financial account periods of the second to sixth estimated installments are all greater than the current time, their corresponding estimated bill financial account periods are used as their financial account periods.
[0033] By adopting the method of the embodiment of the present application, the financial account period corresponding to each estimated installment is re-determined based on the current time and the estimated bill financial account period corresponding to each estimated installment, so as to avoid financial identification anomalies.
[0034] In one implementation, after generating the first estimated bill corresponding to the target reinsurance, the method may further include: receiving a modification operation on target data, wherein the target data includes at least one of the estimated total premium, the estimated contract start date, the estimated contract end date, the estimated installment information, the estimated premium ratio corresponding to each estimated installment, the handling fee ratio corresponding to each estimated installment, and the claim ratio corresponding to each estimated installment; in response to the modification operation, offsetting the first estimated bill; and generating a second estimated bill corresponding to the target reinsurance based on the modified data.
[0035] In the present application, after generating a first estimated bill corresponding to the target reinsurance, when receiving a modification operation on the target data, the first estimated bill is first offset, and then a second estimated bill corresponding to the target reinsurance is generated based on the modified data. Exemplarily, when the estimated premium ratio corresponding to each estimated installment is adjusted, the part of the generated second estimated bill can be as follows: Figure 5 By adopting the solution of the present application, automatic offset can be achieved when adjusting the bill.
[0036] In one implementation, the first estimated bill includes estimated sub-bills corresponding to each estimated installment. After generating the first estimated bill corresponding to the target reinsurance, it may also include: upon receiving an actual bill corresponding to a second estimated installment of the target reinsurance, generating an offset sub-bill corresponding to the target estimated sub-bill, and recording an offset record, wherein the second estimated installment is any estimated installment among the individual estimated installments, the target estimated sub-bill is the estimated sub-bill corresponding to the second estimated installment in the first estimated bill, and the offset record includes a bill number corresponding to the target estimated sub-bill and a bill number corresponding to the offset sub-bill.
[0037] like Figure 6 As shown, when the actual bill corresponding to the first estimated installment of the target reinsurance is received, an offset sub-bill E007 corresponding to the estimated sub-bill E001 corresponding to the first estimated installment in the first estimated bill is generated, and the offset records E001 and E007 are recorded to implement the estimated account processing. It should be noted that the offset record records the bill number corresponding to the target estimated sub-bill and the bill number corresponding to the offset sub-bill, and also records the corresponding relationship between the bill number corresponding to the target estimated sub-bill and the bill number corresponding to the offset sub-bill.
[0038] It should be noted that the target estimated sub-bill and the offset sub-bill corresponding to the target estimated sub-bill have the same bill start date, bill end date, contract ID, and expense type, but the amount of the offset sub-bill is opposite to that of the target estimated sub-bill.
[0039] In an embodiment of the present application, the estimated contract start date includes year, month, and day, and the estimated contract end date includes year, month, and day. After generating the offset sub-bill corresponding to the target estimated sub-bill and recording the offset record, it may also include: determining the reserve corresponding to the preset date based on the target estimated sub-bill, the offset sub-bill, the actual bill, the preset date, the bill start date corresponding to the second estimated installment, and the bill end date corresponding to the second estimated installment, wherein the bill start date includes year, month, and day, and the bill end date includes year, month, and day. With the scheme of the present application, since the estimated contract start date and estimated contract end date corresponding to the target reinsurance, as well as the bill start date and bill end date corresponding to the second estimated installment, are all accurate to year, month, and day, therefore, compared with the scheme in which the term is only recorded to year and month, this scheme is accurate to day calculation, which can improve the accuracy of the calculated reserve.
[0040] Reserve calculation refers to the reserves set aside for insurance contracts and pending claims that have not yet expired.
[0041] In the present application, based on the target estimated sub-bill, the preset date, the bill start date corresponding to the second estimated installment, and the bill end date corresponding to the second estimated installment, the reserve corresponding to the preset date and the target estimated sub-bill is determined; based on the offset sub-bill, the preset date, the bill start date corresponding to the second estimated installment, and the bill end date corresponding to the second estimated installment, the reserve corresponding to the preset date and the offset sub-bill is determined; based on the actual bill, the preset date, the bill start date corresponding to the second estimated installment, and the bill end date corresponding to the second estimated installment, the reserve corresponding to the preset date and the actual bill is determined; based on the reserve corresponding to the preset date and the target estimated sub-bill, the reserve corresponding to the preset date and the offset sub-bill, and the reserve corresponding to the preset date and the actual bill, the reserve corresponding to the preset date is determined. Exemplarily, the reserve corresponding to the preset date can be obtained by adding the reserve corresponding to the preset date and the target estimated sub-bill, the reserve corresponding to the preset date and the offset sub-bill, and the reserve corresponding to the preset date and the actual bill.
[0042] For example, the premium in the bill is 10,000, the corresponding bill starts on January 1, 2024, and ends on December 31, 2024. The corresponding reserve on March 31, 2024 is (December 31, 2024-March 31, 2024) / (December 31, 2024-January 1, 2024)*10,000=275 / 365*10,000=7,534.24.
[0043] In one implementation, after generating the offset sub-bill corresponding to the target estimated sub-bill and recording the offset record, it may also include: changing the bill status corresponding to the second estimated installment according to the offset record. In the present application, when receiving the actual bill corresponding to the second estimated installment of the target reinsurance, generating the offset sub-bill corresponding to the target estimated sub-bill, and recording the offset record, according to the offset record, the payment confirmation is performed, the payment confirmation code is generated, and the bill status corresponding to the second estimated installment is changed, so that the bill status corresponding to the second estimated installment is in a settled state and will not appear in the financial accounts receivable list, completing the historical estimated bill processing, thereby avoiding data redundancy in the payment interface and financial statistical reports.
[0044] The method for generating an estimated reinsurance bill provided in the embodiment of the present application may be executed by a device for generating an estimated reinsurance bill. In the embodiment of the present application, the device for generating an estimated reinsurance bill executing the method for generating an estimated reinsurance bill is taken as an example to illustrate the device for generating an estimated reinsurance bill provided in the embodiment of the present application.
[0045] Figure 7 FIG. 1 is a schematic diagram of a structure of a device for generating an estimated reinsurance bill disclosed in an embodiment of the present application. Figure 7 As shown, the device 700 for generating an estimated reinsurance bill includes: an acquisition module 710, a determination module 720 and a generation module 730.
[0046] In the present application, an acquisition module 710 is used to acquire an estimated total premium, an estimated contract start date, an estimated contract end date, and an estimation template corresponding to the target reinsurance, wherein the estimation template includes estimated installment information, an estimated premium ratio corresponding to each estimated installment, a handling fee ratio corresponding to each estimated installment, and a claim ratio corresponding to each estimated installment; a determination module 720 is used to determine the estimated bill financial account period corresponding to each estimated installment based on the estimated contract start date, the estimated contract end date, and the estimated installment information; the determination module 720 is also used to determine the financial account period corresponding to each estimated installment based on the current time and the estimated bill financial account period corresponding to each estimated installment; a generation module 730 is used to generate a first estimated bill corresponding to the target reinsurance based on the estimated total premium, the estimated contract start date, the estimated contract end date, the estimation template, and the financial account period corresponding to each estimated installment.
[0047] In one implementation, the determination module 720 determines the financial account period corresponding to each estimated installment based on the current time and the estimated billing financial account period corresponding to each estimated installment, including: when the estimated billing financial account period corresponding to the first estimated installment is less than the current time, using the current time as the financial account period corresponding to the first estimated installment, wherein the first estimated installment is any estimated installment among the individual estimated installments; when the estimated billing financial account period corresponding to the first estimated installment is greater than or equal to the current time, using the estimated billing financial account period corresponding to the first estimated installment as the financial account period corresponding to the first estimated installment.
[0048] In one implementation, the device further includes: a receiving module, configured to receive a modification operation on target data after generating the first estimated bill corresponding to the target reinsurance, wherein the target data includes at least one of the estimated total premium, the estimated contract start date, the estimated contract end date, the estimated installment information, the estimated premium ratio corresponding to each estimated installment, the handling fee ratio corresponding to each estimated installment, and the claim ratio corresponding to each estimated installment; a processing module, configured to offset the first estimated bill in response to the modification operation; and the generating module 730, configured to generate a second estimated bill corresponding to the target reinsurance based on the modified data.
[0049] In one implementation, the first estimated bill includes estimated sub-bills corresponding to each estimated installment, and the generating module 730 is further used to generate an offset sub-bill corresponding to the target estimated sub-bill and record an offset record after generating the first estimated bill corresponding to the target reinsurance and upon receiving an actual bill corresponding to a second estimated installment of the target reinsurance, wherein the second estimated installment is any estimated installment among the estimated installments, the target estimated sub-bill is the estimated sub-bill corresponding to the second estimated installment in the first estimated bill, and the offset record includes an invoice number corresponding to the target estimated sub-bill and an invoice number corresponding to the offset sub-bill.
[0050] In one implementation, the estimated contract start date includes year, month, and day, and the estimated contract end date includes year, month, and day. The determination module 720 is also used to determine the reserve corresponding to the preset date based on the target estimated sub-bill, the offset sub-bill, the actual bill, the preset date, the bill start date corresponding to the second estimated installment, and the bill end date corresponding to the second estimated installment after generating the offset sub-bill corresponding to the target estimated sub-bill and recording the offset record, wherein the bill start date includes year, month, and day, and the bill end date includes year, month, and day.
[0051] In one implementation, the device further includes: a change module for changing the bill status corresponding to the second estimated installment according to the reversal record after generating the reversal sub-bill corresponding to the target estimated sub-bill and recording the reversal record.
[0052] In one implementation, the target reinsurance is insurance of a target type, and the estimation template is a template corresponding to the insurance of the target type.
[0053] The device for generating an estimated reinsurance bill provided in the embodiment of the present application can implement each process implemented in the embodiment of the method for generating an estimated reinsurance bill, and will not be described again here to avoid repetition.
[0054] Alternatively, if Figure 8 As shown, the embodiment of the present application further provides an electronic device 800, including a processor 801 and a memory 802, wherein the memory 802 stores a program or instruction that can be executed on the processor 801, and when the program or instruction is executed by the processor 801, each step of the embodiment of the method for generating an estimated reinsurance bill described above is implemented, and the same technical effect can be achieved, which will not be described again to avoid repetition.
[0055] It should be noted that the electronic devices in the embodiments of the present application include mobile electronic devices and non-mobile electronic devices.
[0056] The embodiment of the present application further provides a readable storage medium, on which a program or instruction is stored. When the program or instruction is executed by a processor, each process of the embodiment of the method for generating an estimated reinsurance bill described above is implemented, and the same technical effect can be achieved. To avoid repetition, it will not be described again here.
[0057] The processor is the processor in the electronic device described in the above embodiment. The readable storage medium includes a computer readable storage medium, such as a computer read-only memory ROM, a random access memory RAM, a magnetic disk or an optical disk.
[0058] An embodiment of the present application further provides a computer program product, wherein the computer program product includes a computer program stored on a non-transitory computer-readable storage medium, wherein the computer program includes program instructions, and when the program instructions are executed by a computer, the computer is caused to execute: the steps of the method for generating an estimated reinsurance bill as described above.
[0059] The above embodiments of the present application focus on describing the differences between the various embodiments. As long as the different optimization features between the various embodiments are not contradictory, they can be combined to form a better embodiment. Considering the simplicity of the text, they will not be repeated here.
[0060] The above is only an embodiment of the present application and is not intended to limit the present application. For those skilled in the art, the present application may have various changes and variations. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present application should be included in the scope of the claims of the present application.
Claims
1. A method for generating an estimated reinsurance bill, characterized in that: include: Obtaining an estimated total premium, an estimated contract start date, an estimated contract end date, and an estimation template corresponding to the target reinsurance, wherein the estimation template includes estimated installment information, an estimated premium ratio corresponding to each estimated installment, a handling fee ratio corresponding to each estimated installment, and a claim ratio corresponding to each estimated installment; Based on the estimated contract start date, the estimated contract end date and the estimated installment information, respectively determine the estimated billing financial account period corresponding to each estimated installment; Determine the financial account period corresponding to each estimated installment based on the current time and the estimated bill financial account period corresponding to each estimated installment; A first estimated bill corresponding to the target reinsurance is generated based on the estimated total premium, the estimated contract start date, the estimated contract end date, the estimated template, and the financial account period corresponding to each estimated installment.
2. The generation method according to claim 1, characterized in that: The determining of the financial account period corresponding to each estimated installment based on the current time and the estimated bill financial account period corresponding to each estimated installment includes: When the estimated bill financial account period corresponding to the first estimated installment is less than the current time, the current time is used as the financial account period corresponding to the first estimated installment, wherein the first estimated installment is any one of the estimated installments; When the estimated billing financial account period corresponding to the first estimated installment is greater than or equal to the current time, the estimated billing financial account period corresponding to the first estimated installment is used as the financial account period corresponding to the first estimated installment.
3. The generation method according to claim 1, characterized in that: After generating the first estimated bill corresponding to the target reinsurance, the method further includes: receiving a modification operation on target data, wherein the target data includes at least one of the estimated total premium, the estimated contract start date, the estimated contract end date, the estimated installment information, the estimated premium ratio corresponding to each estimated installment, the handling fee ratio corresponding to each estimated installment, and the claim ratio corresponding to each estimated installment; In response to the modification operation, performing a reversal process on the first estimated bill; A second estimated bill corresponding to the target reinsurance is generated based on the modified data.
4. The generation method according to claim 1, characterized in that: The first estimated bill includes estimated sub-bills corresponding to each estimated installment, and after generating the first estimated bill corresponding to the target reinsurance, further comprising: When an actual bill corresponding to the second estimated installment of the target reinsurance is received, an offset sub-bill corresponding to the target estimated sub-bill is generated, and an offset record is recorded, wherein the second estimated installment is any estimated installment among the various estimated installments, the target estimated sub-bill is the estimated sub-bill in the first estimated bill corresponding to the second estimated installment, and the offset record includes a bill number corresponding to the target estimated sub-bill and a bill number corresponding to the offset sub-bill.
5. The generation method according to claim 4, characterized in that: The estimated contract start date includes year, month, and day, and the estimated contract end date includes year, month, and day. After generating a write-off sub-bill corresponding to the target estimated sub-bill and recording a write-off record, the method further includes: Based on the target estimated sub-bill, the offset sub-bill, the actual bill, a preset date, a bill start date corresponding to the second estimated installment, and a bill end date corresponding to the second estimated installment, determine the reserve corresponding to the preset date, wherein the bill start date includes the year, month, and day, and the bill end date includes the year, month, and day.
6. The generation method according to claim 4, characterized in that: After generating the offset sub-bill corresponding to the target estimated sub-bill and recording the offset record, the method further includes: According to the write-off record, the bill status corresponding to the second estimated installment is changed.
7. A device for generating an estimated reinsurance bill, characterized in that: include: An acquisition module, used to acquire an estimated total premium, an estimated contract start date, an estimated contract end date, and an estimation template corresponding to the target reinsurance, wherein the estimation template includes estimated installment information, an estimated premium ratio corresponding to each estimated installment, a handling fee ratio corresponding to each estimated installment, and a claim ratio corresponding to each estimated installment; A determination module, configured to determine the estimated billing financial account period corresponding to each estimated installment based on the estimated contract start date, the estimated contract end date and the estimated installment information; The determination module is further configured to determine the financial account period corresponding to each estimated installment based on the current time and the estimated bill financial account period corresponding to each estimated installment; A generating module is used to generate a first estimated bill corresponding to the target reinsurance based on the estimated total premium, the estimated contract start date, the estimated contract end date, the estimation template, and the financial account period corresponding to each estimated installment.
8. An electronic device, characterized in that: The method comprises a processor and a memory, wherein the memory stores a program or instruction executable on the processor, and when the program or instruction is executed by the processor, the steps of the method for generating an estimated reinsurance bill according to any one of claims 1 to 6 are implemented.
9. A readable storage medium, characterized in that: The readable storage medium stores a program or an instruction, and when the program or the instruction is executed by a processor, the steps of the method for generating an estimated reinsurance bill 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 for generating a reinsurance estimate bill according to any one of claims 1 to 6.