Based on configurable product premium calculation methods, devices, equipment, and media

Abstract

This invention relates to the field of artificial intelligence technology and discloses a configurable product premium calculation method, comprising: acquiring product premium information; abstracting and grouping the product premium information to obtain product attribute information; aligning the product attribute information into fields to obtain target field information; generating a product configuration file based on the target field information; filling interface fields of a preset program interface according to the product configuration file to obtain a premium calculation interface; when the premium calculation interface receives a product premium calculation request, calling the product configuration file to determine the calculation configuration information; generating a premium calculation script based on the calculation configuration information; and using the premium calculation script to calculate the product premium requested by the product premium calculation request. This invention also proposes a configurable product premium calculation device, computer equipment, and storage medium. This invention can improve the efficiency of product premium calculation.

Description

Technical Field

[0001] This invention relates to the field of artificial intelligence technology, and in particular to a method, apparatus, device and medium for calculating product premiums based on configuration. Background Technology

[0002] In the insurance industry, accurate premium calculation plays a central role in insurance business. For insurance companies, precise premium calculation helps ensure the continuity and stability of company revenue. For policyholders, reasonable premium calculation ensures that the amount they pay matches the value of the insurance services they purchase, avoiding issues of overpayment or underpayment. Furthermore, accurate premium calculation also helps policyholders to more effectively plan their finances and achieve a balance between their insurance needs and financial goals.

[0003] However, the calculation of insurance premiums for insurance products is complex and variable, with different rate factors for each product. This results in poor scalability of existing technologies for premium calculation. Launching a new product often requires modifications to the front-end page, back-end code, and database fields, significantly increasing the cost and reducing the timeliness of new product launches. Therefore, improving the efficiency of product premium calculation has become an urgent problem to be solved. Summary of the Invention

[0004] This invention provides a configurable product premium calculation method, apparatus, equipment, and medium, the main purpose of which is to solve the problem of poor efficiency in existing product premium calculation methods.

[0005] To achieve the above objectives, the present invention provides a configurable product premium calculation method, comprising:

[0006] Obtain product premium information, and abstract and group the product premium information to obtain product attribute information;

[0007] The product attribute information is aligned to obtain target field information, and a product configuration file is generated based on the target field information.

[0008] The interface fields of the preset program interface are filled according to the product configuration file to obtain the premium calculation interface;

[0009] When the premium calculation interface receives a product premium calculation request, it calls the product configuration file to determine the calculation configuration information;

[0010] Generate a premium calculation script based on the calculation configuration information, and use the premium calculation script to calculate the product premium requested in the product premium calculation request.

[0011] Optionally, the abstract grouping of the product premium information to obtain product attribute information includes:

[0012] Extract the set of product attributes for each product from the product premium information;

[0013] The product attribute set is classified to obtain the product general attribute set, product specific attribute set, and product extended attribute set in the product premium information;

[0014] By combining the product's general attribute set, the product's unique attribute set, and the product's extended attribute set, product attribute information is obtained.

[0015] Optionally, the classification of the product attribute set to obtain the product general attribute set, product specific attribute set, and product extended attribute set in the product premium information includes:

[0016] Semantic analysis is performed on each product attribute in the product attribute set to obtain attribute semantic features;

[0017] Each product attribute is classified according to its semantic features to obtain a product attribute category;

[0018] Generate a set of general product attributes, a set of unique product attributes, and extended product attributes based on the product attribute categories.

[0019] Optionally, generating a product configuration file based on the target field information includes:

[0020] Determine the configuration file information based on the product attributes in the target field information;

[0021] Obtain the configuration file template based on the configuration file information;

[0022] The configuration file template is rendered using the configuration file information to obtain the product configuration file.

[0023] Optionally, the step of filling the interface fields of the preset program interface according to the product configuration file to obtain the premium calculation interface includes:

[0024] A simulated data request is made to the program interface to obtain simulated request data;

[0025] The simulated request data is matched with the configuration file to obtain the configuration fields;

[0026] The premium calculation interface is obtained by filling the configuration fields with default values ​​according to the configuration file.

[0027] Optionally, the step of calling the product configuration file to determine the calculation configuration information includes:

[0028] The product premium calculation request is parsed to obtain the requested product attributes;

[0029] The requested product attributes are used to match the requested attribute information in the product configuration file;

[0030] The calculation configuration information is determined based on the requested attribute information.

[0031] Optionally, generating the premium calculation script based on the calculation configuration information includes:

[0032] Obtain the preset premium calculation rules, and determine the configuration calculation rules for the calculation configuration information based on the premium calculation rules;

[0033] Generate premium calculation text based on the configured calculation rules;

[0034] The premium calculation file is compiled to obtain the premium calculation script.

[0035] To address the above problems, the present invention also provides a configurable product premium calculation device, the device comprising:

[0036] The abstract grouping module is used to obtain product premium information, abstract and group the product premium information to obtain product attribute information.

[0037] The product configuration file generation module is used to align the product attribute information to obtain target field information and generate a product configuration file based on the target field information.

[0038] The interface field filling module is used to fill the interface fields of the preset program interface according to the product configuration file to obtain the premium calculation interface.

[0039] The configuration information calculation module is used to call the product configuration file to determine the calculation configuration information when the premium calculation interface receives a product premium calculation request.

[0040] The product premium calculation module is used to generate a premium calculation script based on the calculation configuration information, and to calculate the product premium for the product premium calculation request using the premium calculation script.

[0041] To address the above problems, the present invention also provides a computer device, the computer device comprising:

[0042] At least one processor;

[0043] And, a memory communicatively connected to the at least one processor;

[0044] The memory stores a computer program that can be executed by the at least one processor, which enables the at least one processor to perform the configurable product premium calculation method described above.

[0045] To address the aforementioned problems, the present invention also provides a computer-readable storage medium storing at least one computer program, which is executed by a processor in a computer device to implement the above-described configuration-based product premium calculation method.

[0046] This invention, through abstracting and grouping product premium information, categorizes the attributes of each insurance product, facilitating flexible configuration based on these attributes. It aligns product attribute information to obtain target field information, generates a product configuration file based on this information, and allows for configurable writing of product attribute information, improving the flexibility of premium calculation. Filling preset program interface fields according to the product configuration file ensures data integrity and consistency. Upon receiving a premium calculation request, the product configuration file is invoked to determine the calculation configuration information, and a premium calculation script is generated based on this information. This script is then used to calculate the product premium, automatically calculating premiums for new insurance products without requiring front-end or back-end code writing, effectively improving premium calculation efficiency. Therefore, the configurable product premium calculation method, device, computer equipment, and computer-readable storage medium proposed in this invention can solve the problem of poor efficiency in existing premium calculation methods. Attached Figure Description

[0047] Figure 1 This is a flowchart illustrating a configuration-based product premium calculation method according to an embodiment of the present invention.

[0048] Figure 2 This is a schematic diagram of a process for generating a product configuration file based on target field information according to an embodiment of the present invention;

[0049] Figure 3 This is a flowchart illustrating the process of filling in interface fields of a preset program interface according to a product configuration file, as provided in an embodiment of the present invention.

[0050] Figure 4 This is a functional block diagram of a configurable product premium calculation device provided in an embodiment of the present invention;

[0051] Figure 5 This is a schematic diagram of the structure of a computer device according to an embodiment of the present invention;

[0052] Figure 6This is another structural schematic diagram of a computer device according to one embodiment of the present invention.

[0053] The realization of the objective, functional features and advantages of the present invention will be further explained in conjunction with the embodiments and with reference to the accompanying drawings. Detailed Implementation

[0054] It should be understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention.

[0055] This application provides a configurable product premium calculation method. The executing entity of the configurable product premium calculation method includes, but is not limited to, at least one of the following computer devices that can be configured to execute the method provided in this application: a server, a terminal, etc. In other words, the configurable product premium calculation method can be executed by software or hardware installed on a terminal device or a server device, and the software can be a blockchain platform. The server includes, but is not limited to, a single server, a server cluster, a cloud server, or a cloud server cluster. The server can be an independent server or a cloud server that provides basic cloud computing services such as cloud services, cloud databases, cloud computing, cloud functions, cloud storage, network services, cloud communication, middleware services, domain name services, security services, content delivery networks (CDNs), and big data and artificial intelligence platforms.

[0056] Reference Figure 1 The diagram shown is a flowchart illustrating a configurable product premium calculation method according to an embodiment of the present invention. In this embodiment, the configurable product premium calculation method includes:

[0057] S1. Obtain product premium information, and abstract and group the product premium information to obtain product attribute information.

[0058] In this embodiment of the invention, the product premium information is the product information of each insurance product in the enterprise insurance device, such as the product attributes and rate factors of each insurance product. The attributes and rate factors of each insurance product can be abstractly grouped through abstract grouping.

[0059] Abstract grouping is the process of organizing objects, concepts, or data items that have certain common characteristics or attributes into a logically consistent set or category. For example, in embodiments of the present invention, abstract grouping can be used to group general attributes, unique attributes, and extended attributes in product premium information to obtain product attribute information contained in the product premium information.

[0060] In this embodiment of the invention, the abstracting and grouping of the product premium information to obtain product attribute information includes:

[0061] Extract the set of product attributes for each product from the product premium information;

[0062] The product attribute set is classified to obtain the product general attribute set, product specific attribute set, and product extended attribute set in the product premium information;

[0063] By combining the product's general attribute set, the product's unique attribute set, and the product's extended attribute set, product attribute information is obtained.

[0064] In this embodiment of the invention, the product attribute set includes different attributes of insurance products, such as common product attributes that are prevalent in multiple products, such as insurance period and premium; unique product attributes that are specific to certain insurance products and are used to distinguish them from other products, such as specific disease insurance and investment-linked insurance; and product extension attributes that add extra features or services to basic insurance products, such as supplementary insurance and customized services. By classifying the product premiums, the product attribute information contained in the product premium information can be obtained. Specifically, the product attribute set of each product can be extracted from the product premium information according to a preset attribute field set. For example, the attribute fields such as insurance period, premium, and specific disease insurance are matched in the product premium information to obtain the product attributes of each product.

[0065] Furthermore, the classification of the product attribute set yields a set of general product attributes, a set of unique product attributes, and a set of extended product attributes in the product premium information, including:

[0066] Semantic analysis is performed on each product attribute in the product attribute set to obtain attribute semantic features;

[0067] Each product attribute is classified according to its semantic features to obtain a product attribute category;

[0068] Generate a set of general product attributes, a set of unique product attributes, and extended product attributes based on the product attribute categories.

[0069] In this embodiment of the invention, product attributes are the various elements constituting the characteristics of an insurance product. Product attributes can clearly define the function, value, and applicability of an insurance product. Furthermore, the semantic features of product attributes include the meaning and purpose of each product attribute. Therefore, the category of each product attribute can be determined through semantic features. For example, if it is a universally existing attribute, it is a general product attribute; if it is a product attribute used to distinguish insurance products, it is a product-specific attribute. This results in a set of general product attributes, a set of product-specific attributes, and extended product attributes. The semantic features of the attributes can be calculated based on a pre-built Transformer model.

[0070] In this embodiment of the invention, by abstracting and grouping the product premium information, the attributes of each insurance product in the insurance device can be classified, which facilitates flexible configuration based on the product attributes in the future.

[0071] S2. Align the product attribute information by field to obtain target field information, and generate a product configuration file based on the target field information.

[0072] In this embodiment of the invention, field alignment ensures that the product attributes displayed on the front-end interface are consistent with the product attribute data stored in the back-end database. Field alignment ensures consistency in field names, data types, and structures between the front-end and back-end, improving the efficiency of function iteration and thus improving the efficiency of premium calculation.

[0073] In this embodiment of the invention, the step of aligning the product attribute information to obtain the target field information includes:

[0074] Obtain a preset front-end information form, and perform data type conversion on the product attribute information based on the front-end information form to obtain a type conversion field;

[0075] The type conversion field is mapped to the front-end and back-end fields to obtain the target field information.

[0076] In this embodiment of the invention, the front-end field information form contains fields required for premium calculation in the user design interface of the enterprise insurance, such as fields corresponding to product attributes, insurance period, premium, etc. The product attribute information that needs to be aligned can be determined through the front-end information form.

[0077] Among them, data type matching is to ensure consistency between the data types of product attribute information and the data types in the front-end information form. For example, the policy date is a date picker on the front-end, but should be a DATE type on the back-end. Front-end and back-end field mapping is to create a mapping table to clarify the relationship between the front-end information form and the product attribute information, and ensure the naming consistency between the front-end and back-end.

[0078] In this embodiment of the invention, field alignment can ensure data consistency between the front-end and back-end, improve the accuracy of data exchange between the front-end and back-end, reduce errors caused by data inconsistency, and effectively improve the efficiency of product premium calculation.

[0079] In this embodiment of the invention, the product configuration file is a file used to store software or device settings, and the product configuration file contains parameters and options for initializing or adjusting premium calculations.

[0080] In the embodiments of the present invention, see Figure 2 As shown, the step of generating a product configuration file based on the target field information includes:

[0081] S21. Determine the configuration file information based on the product attributes in the target field information;

[0082] S22. Obtain the configuration file template based on the configuration file information;

[0083] S23. Render the configuration file template using the configuration file information to obtain the product configuration file.

[0084] In this embodiment of the invention, the configuration file information is the parameters and options that can be initialized and adjusted for premium calculation, namely product attributes and the attribute values ​​corresponding to each product attribute, such as the insurance period, the date of the insurance period, the premium, and the specific amount of the premium. The configuration file template corresponding to the configuration file information can be obtained from the pre-built template library through the configuration file information.

[0085] In this embodiment of the invention, data rendering involves assigning configuration file information to the template position corresponding to the configuration file template to obtain the product configuration file. Once the product configuration file is completed, it is stored in a pre-built database to facilitate subsequent flexible configuration and program interface calls.

[0086] Preferably, for the special attributes of new insurance products, the product configuration information is expanded and written, and relevant calculation scripts are generated, so that similar products can be launched later, which has high scalability.

[0087] In this embodiment of the invention, product attribute information can be configured through product configuration files, thereby improving the flexibility of product premium calculation.

[0088] S3. Fill the interface fields of the preset program interface according to the product configuration file to obtain the premium calculation interface.

[0089] In this embodiment of the invention, the preset program interface is a data interface for calculating product premiums. The interface field filling ensures that each field in the request and response data structure of the program interface is assigned an appropriate value or default value to guarantee the integrity and consistency of the data.

[0090] In the embodiments of the present invention, see Figure 3 As shown, the step of filling the interface fields of the preset program interface according to the product configuration file to obtain the premium calculation interface includes:

[0091] S31. Simulate a data request to the program interface to obtain simulated request data;

[0092] S32. Match the simulated request data with the configuration file to obtain the configuration fields;

[0093] S33. Fill the configuration fields with default values ​​according to the configuration file to obtain the premium calculation interface.

[0094] In this embodiment of the invention, a simulated data request is initiated to the program interface, the simulated request data returned by the program interface is obtained, and the field corresponding to the simulated request data is traversed in the configuration file. If it exists, it means that the program interface contains the corresponding data field. If it does not exist, it means that the field is not required. The configuration field is filled with the default value corresponding to the field in the configuration file to obtain the premium calculation interface. The default value can be preset.

[0095] In detail, the product configuration file may include security parameters such as user ID, token, timestamp, and signature, as well as data parameters required by business logic. For example, configuration fields are populated into the request. For GET requests of the program interface, configuration fields are usually appended to the URL; for POST requests, configuration fields can be placed in the request body as form data or JSON objects. They can provide the required input parameters for specific functions or methods in the program interface, providing a basis for subsequent calculation of product premiums.

[0096] S4. When the premium calculation interface receives a product premium calculation request, it calls the product configuration file to determine the calculation configuration information.

[0097] In this embodiment of the invention, the product premium calculation request is a premium calculation request initiated by a new insurance product launched by the enterprise insurance device. The product configuration file is called in the database through the premium calculation interface. The product attributes corresponding to the product premium calculation request can be determined through the product configuration file, and thus the data in the premium calculation process can be determined.

[0098] In this embodiment of the invention, the calculation configuration information is the data required in the product premium calculation process, such as product attributes, rate factors, and other information. The calculation configuration information provides the basis for product premium calculation.

[0099] In this embodiment of the invention, the step of calling the product configuration file to determine the calculation configuration information includes:

[0100] The product premium calculation request is parsed to obtain the requested product attributes;

[0101] The requested product attributes are used to match the requested attribute information in the product configuration file;

[0102] The calculation configuration information is determined based on the requested attribute information.

[0103] In this embodiment of the invention, a pre-built parsing tool can be used to parse the product premium calculation request to obtain the product attributes in the insurance product corresponding to the product premium calculation request, such as general attributes, unique attributes, and extended attributes in the requested product attributes. The requested product attributes are then matched with the corresponding product attributes in the product configuration file to obtain the matching request attribute information required for premium calculation, such as the calculation rules and rate factors corresponding to each product attribute. The matching request attribute information is then collected to obtain the calculation configuration information.

[0104] In detail, the product configuration file can be used to obtain the requested attribute information needed for product premium calculation. For example, the requested product attributes include general attributes such as product name, model, size, color, weight, material, price, brand, and manufacturer information; unique attributes such as patented technology, special design elements, unique functions or performance indicators; and extended attributes such as product compatibility, scalability, customization options, warranty services, and user support. By matching the requested product attributes with the configuration information for premium calculation in the product configuration file, the automatic configuration of product premiums can be achieved, thereby improving the efficiency of premium calculation.

[0105] S5. Generate a premium calculation script based on the calculation configuration information, and use the premium calculation script to calculate the product premium requested in the product premium calculation request.

[0106] In this embodiment of the invention, the premium calculation script is code written in a programming language that can perform automated calculation tasks. Through premium calculation, the premium of new insurance products can be automatically calculated, thereby improving the efficiency of premium calculation.

[0107] In this embodiment of the invention, generating the premium calculation script based on the calculation configuration information includes:

[0108] Obtain the preset premium calculation rules, and determine the configuration calculation rules for the calculation configuration information based on the premium calculation rules;

[0109] Generate premium calculation text based on the configured calculation rules;

[0110] The premium calculation file is compiled to obtain the premium calculation script.

[0111] In this embodiment of the invention, the premium calculation rule is the method of calculating the premium, including the premium calculation formula, the possible additional values ​​in the premium, etc. The premium calculation rule can clarify how to calculate the premium of the product according to the product attributes. For example, different product categories may have different calculation methods and rate factors, resulting in different premium results. Therefore, the configuration calculation rule for calculating configuration information can be determined according to the preset rules.

[0112] In this embodiment of the invention, the premium calculation text is an algorithm or logical flow used to complete the calculation task. The premium calculation text can be generated using different computer programming languages, and then a program script can be written using the premium calculation text to obtain the premium calculation script and realize the calculation of the premium.

[0113] In this embodiment of the invention, the premium calculation function can be realized through the premium calculation script. That is, by inputting the data value corresponding to each product attribute in the product premium calculation request, the product premium can be automatically calculated, thereby improving the efficiency of premium calculation.

[0114] Preferably, when an insurance product is launched, only the calculation script needs to be generated based on the product configuration file, without the need to write front-end or back-end code. This provides high flexibility and can effectively improve the efficiency of premium calculation.

[0115] like Figure 4 The diagram shown is a functional block diagram of a configurable product premium calculation device provided in an embodiment of the present invention.

[0116] The configurable product premium calculation device 100 described in this invention can be installed in a computer device. Depending on the functions implemented, the configurable product premium calculation device 100 may include an abstract grouping module 101, a product configuration file generation module 102, an interface field filling module 103, a configuration information calculation module 104, and a product premium calculation module 105. The module described in this invention can also be called a unit, referring to a series of computer program segments that can be executed by the processor of a computer device and can perform a fixed function, stored in the memory of the computer device.

[0117] In this embodiment, the functions of each module / unit are as follows:

[0118] The abstract grouping module 101 is used to obtain product premium information, abstract and group the product premium information to obtain product attribute information.

[0119] The product configuration file generation module 102 is used to perform field alignment on the product attribute information to obtain target field information, and generate a product configuration file based on the target field information.

[0120] The interface field filling module 103 is used to fill the interface fields of the preset program interface according to the product configuration file to obtain the premium calculation interface.

[0121] The configuration information calculation module 104 is used to call the product configuration file to determine the calculation configuration information when the premium calculation interface receives a product premium calculation request.

[0122] The product premium calculation module 105 is used to generate a premium calculation script based on the calculation configuration information, and use the premium calculation script to calculate the product premium of the product premium calculation request.

[0123] In detail, the modules in the configurable product premium calculation device 100 described in this embodiment of the invention employ the same methods as described above. Figures 1 to 3 The same technical means are used as the configuration-based product premium calculation method described in the article, and can produce the same technical effect, so they will not be repeated here.

[0124] In one embodiment, a computer device is provided, which may be a server, and its internal structure diagram may be as follows: Figure 5 As shown. The computer device includes a processor, memory, network interface, and database connected via a system bus. The processor provides computing and control capabilities. The memory includes non-volatile and / or volatile storage media and internal memory. The non-volatile storage media stores the operating system, computer programs, and database. The internal memory provides an environment for the operation of the operating system and computer programs in the non-volatile storage media. The network interface is used to communicate with external clients via a network connection. When the computer program is executed by the processor, it implements the functions or steps of a server-side method for calculating product premiums based on a configurable approach.

[0125] In one embodiment, a computer device is provided, which may be a client, and its internal structure diagram may be as follows: Figure 6 As shown, the computer device includes a processor, memory, network interface, display screen, and input devices connected via a system bus. The processor provides computing and control capabilities. The memory includes non-volatile storage media and internal memory. The non-volatile storage media stores the operating system and computer programs. The internal memory provides an environment for the operation of the operating system and computer programs in the non-volatile storage media. The network interface is used to communicate with an external server via a network connection. When the computer program is executed by the processor, it implements client-side functions or steps of a configuration-based product premium calculation method.

[0126] In one embodiment, a computer device is provided, including a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor executes the computer program to perform the following steps:

[0127] Obtain product premium information, and abstract and group the product premium information to obtain product attribute information;

[0128] The product attribute information is aligned to obtain target field information, and a product configuration file is generated based on the target field information.

[0129] The interface fields of the preset program interface are filled according to the product configuration file to obtain the premium calculation interface;

[0130] When the premium calculation interface receives a product premium calculation request, it calls the product configuration file to determine the calculation configuration information;

[0131] Generate a premium calculation script based on the calculation configuration information, and use the premium calculation script to calculate the product premium requested in the product premium calculation request.

[0132] In one embodiment, a computer-readable storage medium is provided having a computer program stored thereon, the computer program performing the following steps when executed by a processor:

[0133] Obtain product premium information, and abstract and group the product premium information to obtain product attribute information;

[0134] The product attribute information is aligned to obtain target field information, and a product configuration file is generated based on the target field information.

[0135] The interface fields of the preset program interface are filled according to the product configuration file to obtain the premium calculation interface;

[0136] When the premium calculation interface receives a product premium calculation request, it calls the product configuration file to determine the calculation configuration information;

[0137] Generate a premium calculation script based on the calculation configuration information, and use the premium calculation script to calculate the product premium requested in the product premium calculation request.

[0138] It should be noted that the functions or steps that can be implemented by the computer-readable storage medium or computer device described above can be referred to the relevant descriptions on the server side and client side in the foregoing method embodiments. To avoid repetition, they will not be described one by one here.

[0139] Those skilled in the art will understand that all or part of the processes in the methods of the above embodiments can be implemented by a computer program instructing related hardware. The computer program can be stored in a non-volatile computer-readable storage medium, and when executed, it can include the processes of the embodiments of the above methods. Any references to memory, storage, databases, or other media used in the embodiments provided in this application can include non-volatile and / or volatile memory. Non-volatile memory can include read-only memory (ROM), programmable ROM (PROM), electrically programmable ROM (EPROM), electrically erasable programmable ROM (EEPROM), or flash memory. Volatile memory can include random access memory (RAM) or external cache memory. By way of illustration and not limitation, RAM is available in various forms, such as static RAM (SRAM), dynamic RAM (DRAM), synchronous DRAM (SDRAM), dual data rate SDRAM (DDRSDRAM), enhanced SDRAM (ESDRAM), synchronous link DRAM (SLDRAM), Rambus direct RAM (RDRAM), direct memory bus dynamic RAM (DRDRAM), and memory bus dynamic RAM (RDRAM), etc.

[0140] Those skilled in the art will clearly understand that, for the sake of convenience and brevity, the above-described division of functional units and modules is used as an example. In practical applications, the above functions can be assigned to different functional units and modules as needed, that is, the internal structure of the device can be divided into different functional units or modules to complete all or part of the functions described above.

[0141] If any software tools or components not owned by the patent applicant appear in the embodiments of this application, it is merely to illustrate that a wide range of software tools or components can be selected in the actual implementation of the technical solutions disclosed in this application, and does not represent that the patent applicant actually used these example software tools or components; the above embodiments are only used to illustrate the technical solutions of the present invention, and not to limit them; although the present invention has been described in detail with reference to the foregoing embodiments, those skilled in the art should understand that modifications can still be made to the technical solutions described in the foregoing embodiments, or equivalent substitutions can be made to some of the technical features; and these modifications or substitutions do not cause the essence of the corresponding technical solutions to deviate from the spirit and scope of the technical solutions of the embodiments of the present invention, and should all be included within the protection scope of the present invention.

Claims

1. A product premium calculation method based on configuration, characterized in that, The method includes: Obtain product premium information, and group the product premium information into a set of general product attributes, a set of product-specific attributes, and a set of extended product attributes to obtain product attribute information; The product attribute information is converted into a type conversion field based on a preset front-end information form. The type conversion field is then mapped to a front-end and back-end field to obtain target field information. A product configuration file is then generated based on the target field information. A simulated data request is made to the preset program interface to obtain simulated request data. The simulated request data is matched with the product configuration file to obtain configuration fields. The configuration fields are filled with default values ​​according to the product configuration file to obtain the premium calculation interface. When the premium calculation interface receives a product premium calculation request, it performs request parsing on the product premium calculation request to obtain the requested product attributes, matches the requested product attributes with the corresponding product attributes in the product configuration file to obtain matching request attribute information, and determines the calculation configuration information based on the request attribute information. Generate a premium calculation script based on the calculation configuration information, and use the premium calculation script to calculate the product premium requested in the product premium calculation request.

2. The product premium calculation method based on configuration as described in claim 1, characterized in that, The product premium information is grouped into a general set of product attributes, a specific set of product attributes, and a set of extended product attributes to obtain product attribute information, including: Extract the set of product attributes for each product from the product premium information; The product attribute set is classified to obtain the product general attribute set, product specific attribute set, and product extended attribute set in the product premium information; By combining the product's general attribute set, the product's unique attribute set, and the product's extended attribute set, product attribute information is obtained.

3. The product premium calculation method based on configuration as described in claim 2, characterized in that, The classification of the product attribute set yields a set of general product attributes, a set of product-specific attributes, and a set of extended product attributes in the product premium information, including: Semantic analysis is performed on each product attribute in the product attribute set to obtain attribute semantic features; Each product attribute is classified according to its semantic features to obtain a product attribute category; Generate a set of general product attributes, a set of unique product attributes, and a set of extended product attributes based on the product attribute categories.

4. The product premium calculation method based on configuration as described in claim 1, characterized in that, The step of generating a product configuration file based on the target field information includes: Determine the configuration file information based on the product attributes in the target field information; Obtain the configuration file template based on the configuration file information; The configuration file template is rendered using the configuration file information to obtain the product configuration file.

5. The product premium calculation method based on configuration as described in claim 1, characterized in that, The step of generating a premium calculation script based on the calculation configuration information includes: Obtain the preset premium calculation rules, and determine the configuration calculation rules for the calculation configuration information based on the premium calculation rules; Generate premium calculation text based on the configured calculation rules; The premium calculation text is compiled into code to obtain the premium calculation script.

6. A configurable product premium calculation device, characterized in that, The device includes: The abstract grouping module is used to obtain product premium information and group the product premium information into a set of general product attributes, a set of unique product attributes, and a set of extended product attributes to obtain product attribute information. The product configuration file generation module is used to convert the data type of the product attribute information according to the preset front-end information form to obtain the type conversion field, perform front-end and back-end field mapping on the type conversion field to obtain the target field information, and generate the product configuration file according to the target field information. The interface field filling module is used to simulate data requests to a preset program interface to obtain simulated request data, match the simulated request data with the product configuration file to obtain configuration fields, and fill the configuration fields with default values ​​according to the product configuration file to obtain the premium calculation interface. The configuration information calculation module is used to, when the premium calculation interface receives a product premium calculation request, parse the product premium calculation request to obtain requested product attribute information containing a set of general product attributes, a set of product-specific attributes, and a set of extended product attributes, match the requested product attribute information with the corresponding product attribute information in the product configuration file to obtain matching request attribute information, and determine the calculation configuration information based on the request attribute information. The product premium calculation module is used to generate a premium calculation script based on the calculation configuration information, and to calculate the product premium for the product premium calculation request using the premium calculation script.

7. A computer device, characterized in that, The computer device includes: At least one processor; And, a memory communicatively connected to the at least one processor; The memory stores a computer program that can be executed by the at least one processor, which enables the at least one processor to perform the configurable product premium calculation method as described in any one of claims 1 to 5.

8. A computer-readable storage medium storing a computer program, characterized in that, When the computer program is executed by the processor, it implements the configurable product premium calculation method as described in any one of claims 1 to 5.

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