Configuration method, device, electronic device and storage medium for product claim rules

Abstract

The present invention relates to the field of insurance claims and financial technology, and discloses a configuration method, device, electronic device and storage medium for product claims rules, including: in response to a product claims rule configuration request, determining a target product to be configured with claims rules; reading multiple target initial configuration assignments in a basic configuration template based on the product type and product liability information of the target product; generating initial claims rules using the multiple target initial configuration assignments, and sending the initial claims rules to a rule receiver; upon receiving feedback information returned by the rule receiver regarding the initial claims rules, adjusting the initial claims rules using the feedback information to obtain the product claims rules for the target product. This speeds up the generation of product claims rules, while also improving the overall work efficiency of claims and shortening the claims processing time.

Description

Technical Field

[0001] The present invention relates to the field of insurance claims and financial technology, and in particular to a method, device, electronic device and storage medium for configuring product claims rules. Background Art

[0002] Configuring product claims rules is a crucial step in the insurance industry. This includes configuring the liability type, underwriting responsibility, settlement, and pre- and post-setting rules for each insurance liability. These configurations provide fundamental data support for claims settlement, ensuring the accuracy and efficiency of the claims process.

[0003] In the prior art, configuring claims rules for new products typically requires manual configuration by operators. The applicant recognized that this process is not only cumbersome and complex, but also requires significant human resources. Operators must expend considerable time and energy on simple, repetitive, and low-value tasks, hindering overall claims efficiency and extending claims processing times. Summary of the Invention

[0004] The present invention provides a method, device, electronic device and storage medium for configuring product claim rules to solve the technical problem that operators need to spend a lot of time and energy on providing simple, repetitive and low-value labor, which restricts the improvement of the overall claim work efficiency and leads to prolonged claim processing time.

[0005] First, a method for configuring product claim rules is provided, including:

[0006] In response to a product claim rule configuration request, determining a target product for which claim rule configuration is to be performed;

[0007] Reading multiple target initial configuration values ​​from a basic configuration template according to the product type and product responsibility information of the target product;

[0008] Generating initial claim settlement rules by using the multiple target initial configuration assignments, and sending the initial claim settlement rules to a rule recipient;

[0009] When feedback information returned by the rule receiver regarding the initial claim settlement rules is received, the initial claim settlement rules are adjusted using the feedback information to obtain the product claim settlement rules for the target product.

[0010] In a second aspect, a device for configuring product claim rules is provided, comprising:

[0011] A determination module, configured to determine a target product for which claim rules are to be configured in response to a product claim rules configuration request;

[0012] A reading module, configured to read a plurality of target initial configuration assignments in a basic configuration template according to the product type and product responsibility information of the target product;

[0013] A generating module, configured to generate an initial claim settlement rule by using the multiple target initial configuration assignments, and to send the initial claim settlement rule to a rule receiver;

[0014] The adjustment module is used to adjust the initial claim rules using the feedback information returned by the rule receiver for the initial claim rules to obtain the product claim rules of the target product.

[0015] In a third aspect, an electronic device is provided, comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein when the processor executes the computer program, the steps of the method for configuring product claim rules as described in any one of the first aspects above are implemented.

[0016] In a fourth aspect, a storage medium is provided, wherein the computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, the steps of the method for configuring product claim rules as described in any one of the above-mentioned first aspects are implemented.

[0017] In the solution implemented by the above-mentioned product claim rule configuration method, device, electronic device and storage medium, in response to a product claim rule configuration request, the target product for which the claim rule configuration is to be performed is determined, and multiple target initial configuration assignments are read in the basic configuration template according to the product type and product liability information of the target product. The initial claim rules are generated using the multiple target initial configuration assignments, and the initial claim rules are sent to the rule receiver. Upon receiving feedback information returned by the rule receiver regarding the initial claim rules, the initial claim rules are adjusted using the feedback information to obtain the product claim rules for the target product. This allows the server to automatically read and apply the relevant initial configuration assignments from the basic configuration template according to the specific type and liability information of the product to generate preliminary claim rules without manual intervention, thereby reducing the possibility of human error and speeding up the generation of product claim rules. This also improves the overall work efficiency of claims and shortens the claim processing time. BRIEF DESCRIPTION OF THE DRAWINGS

[0018] In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the following briefly introduces the drawings required for use in the description of the embodiments of the present invention. Obviously, the drawings described below are only some embodiments of the present invention. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying any creative labor.

[0019] Figure 1 This is a schematic diagram of an application environment of a method for configuring product claim rules in one embodiment of the present invention;

[0020] Figure 2 This is a flowchart of a method for configuring product claim rules in one embodiment of the present invention;

[0021] Figure 3 This is a flowchart of a specific implementation method of a method for configuring product claim rules;

[0022] Figure 4 This is a flowchart of a specific implementation method of a method for configuring product claim rules;

[0023] Figure 5 This is a flowchart of a specific implementation method of a method for configuring product claim rules;

[0024] Figure 6 This is a flowchart of a specific implementation method of a method for configuring product claim rules;

[0025] Figure 7 This is a flowchart of a specific implementation method of a method for configuring product claim rules;

[0026] Figure 8 It is a structural diagram of a device for configuring product claim rules in one embodiment of the present invention;

[0027] Figure 9 is a structural diagram of a computer device in one embodiment of the present invention;

[0028] Figure 10 FIG. 2 is another structural diagram of a computer device according to an embodiment of the present invention. DETAILED DESCRIPTION

[0029] The following will clearly and completely describe the technical solutions in the embodiments of the present invention in conjunction with the accompanying drawings. Obviously, the described embodiments are only part of the embodiments of the present invention, not all of them. All other embodiments obtained by ordinary technicians in this field based on the embodiments of the present invention without making any creative efforts shall fall within the scope of protection of the present invention.

[0030] The configuration method of product claim rules provided by the embodiment of the present invention can be applied in Figure 1 In an application environment, the client communicates with the server through a network. The server can receive a user's product claim rule configuration request through the client, and in response to the product claim rule configuration request, determine the target product to be configured with the claim rule, and read multiple target initial configuration assignments in the basic configuration template according to the product type and product liability information of the target product. The initial claim rule is generated using the multiple target initial configuration assignments, and the initial claim rule is sent to the rule receiver. When the feedback information returned by the rule receiver for the initial claim rule is received, the initial claim rule is adjusted using the feedback information to obtain the product claim rule for the target product. In the present invention, when a new insurance claim product is launched or the existing product claim rule needs to be adjusted, the server can quickly respond to the claim rule configuration request, and automatically read and apply the relevant initial configuration assignments from the basic configuration template according to the specific type and liability information of the product to generate preliminary claim rules. This process does not require manual intervention, reduces the possibility of human error, and speeds up the generation of product claim rules. In addition, the technical solution of the present invention is also highly flexible and adaptable. After the rule recipient receives the initial claim rules and provides feedback for adjustments, the server can immediately adopt these feedbacks and further optimize the rules to ensure that the final generated product claim rules are consistent with product characteristics and meet market demand. This not only improves the competitiveness of insurance claim products, but also enhances customer satisfaction and trust, providing strong support for the digital transformation and intelligent upgrading of enterprises. Among them, the client can be, but is not limited to, various personal computers, laptops, smart phones, tablets, and portable wearable devices. The server can be implemented with an independent server or a server cluster consisting of multiple servers. The present invention is described in detail below through specific embodiments.

[0031] See also Figure 2 As shown, Figure 2 A flowchart of a method for configuring product claim rules provided in an embodiment of the present invention includes the following steps S40 to S70:

[0032] S40: In response to the product claim rule configuration request, determine the target product for which claim rule configuration is to be performed.

[0033] The configuration method of product claims rules provided by the present invention can be applied to the rule configuration of various types of insurance claims products, whether it is health insurance, life insurance, property insurance or liability insurance, etc., the technical solution of the present invention can realize rapid customization and optimization of claims rules. In addition, for insurance companies that frequently update claims policies or launch new products, the solution of the present invention can significantly shorten the product launch cycle and ensure that claims rules keep pace with market changes. In addition to the insurance industry, the technical solution of the present invention is also applicable to other fields that require complex rule configuration and dynamic adjustment, such as loan approval rules in financial services, return and exchange policies on e-commerce platforms, and compensation standards in the logistics industry. In these scenarios, the technical solution of the present invention can help enterprises quickly respond to market changes, improve service efficiency and customer experience, and realize intelligent upgrades of business processes through automated configuration and feedback adjustment mechanisms.

[0034] A product claim rule configuration request can be a user-submitted request for setting new product claim rules through the front-end interface, or a configuration task automatically triggered by the server based on a product update schedule. A product claim rule configuration request indicates the product for which the product claim rules should be generated. The product indicated in the product claim rule configuration request is also the target product.

[0035] In order to implement the technical solution of the present invention, it is necessary to generate a basic configuration template in advance, such as Figure 3 As shown, the process of generating a basic configuration template includes the following steps S10 to S30:

[0036] S10: Acquire a plurality of preset responsibility items, and determine at least one matching designated product for each responsibility item among a plurality of products for which rule configuration has been completed.

[0037] First, the server retrieves a list of pre-defined liability items. These are clauses within insurance products that define the scope, conditions, and standards of compensation, such as medical expense compensation and property damage compensation. The server then analyzes products with pre-configured rules, which have detailed claims rules based on requirements and regulations. During this analysis, the server identifies at least one matching product for each liability item. These products' claims rules explicitly include the liability item. In other words, the matching products' claims rules include the liability item. For example, if the liability item is "medical expense compensation," the server identifies insurance products whose claims rules include medical expense compensation as matching products. This ensures that each liability item has at least one closely related product as a reference, providing a basis for subsequent product tagging and initial configuration value assignment.

[0038] S20: Setting at least one product label and initial configuration value for each responsibility item.

[0039] After determining the correspondence between liability items and products, the server sets at least one product tag and initial configuration value for each liability item. A product tag is a concise and clear identifier used to distinguish the product type or characteristics associated with different liability items. For example, a liability item for medical expense compensation might be labeled "Health Insurance" or "Medical Expenses." The server also sets initial configuration values ​​for each liability item. These values ​​represent key parameters such as the compensation amount, compensation ratio, and compensation conditions that may be involved in different scenarios.

[0040] Specifically, when setting at least one product tag and initial configuration value for each responsibility item, the server will set at least one product tag for the responsibility item based on the product type of at least one designated product that matches the responsibility item, and set the initial configuration value for the responsibility item with reference to the at least one product tag. When setting the initial configuration value for the responsibility item with reference to the at least one product tag, either of the following two methods can be used:

[0041] Method 1: Obtain default configuration parameters that match at least one product tag, use the item default values ​​in the default configuration parameters to set initial configuration values ​​for the responsible item, and use the sub-item default values ​​in the default configuration parameters to set initial configuration values ​​for at least one sub-item included in the responsible item, thereby completing the operation of setting initial configuration values ​​for the responsible item.

[0042] In method one, when the server sets the initial configuration value for the responsibility project, it will first look for matching default configuration parameters based on the product tag associated with the responsibility project. These default configuration parameters are pre-set, and are a series of configuration values ​​for different product types or product tags. They represent the most appropriate initial settings for this type of product in most cases. When the server finds the default configuration parameters that match the product tag of the responsibility project, it will use the default project values ​​in these parameters to directly set the initial configuration for the responsibility project itself. At the same time, for at least one sub-project contained in the responsibility project, the server will also refer to the default sub-item values ​​in the default configuration parameters to set the initial configuration for each sub-project separately, thereby realizing the automated assignment of the initial configuration of the responsibility project and its sub-projects, significantly improving configuration efficiency, and reducing the time and labor costs required for manual configuration.

[0043] For example, for the liability item "Hospitalization Medical Expenses Compensation," assuming its product tag is "Health Insurance - Hospitalization Medical Care," the server will search for default configuration parameters that match the "Health Insurance - Hospitalization Medical Care" product tag. These default configuration parameters may include common settings such as the reimbursement ratio, compensation limit, and deductible. For example, a reimbursement ratio of 80%, a compensation limit of 100,000 yuan per year, and a deductible of 500 yuan per hospitalization could be specified. Based on these default configuration parameters, the server will set the initial configuration values ​​for the "Hospitalization Medical Expenses Compensation" liability item, namely, an 80% reimbursement ratio, a compensation limit of 100,000 yuan per year, and a deductible of 500 yuan per hospitalization. If the "Hospitalization Medical Expenses Compensation" liability item also includes subitems, such as "Drug Expenses Compensation" or "Examination Expenses Compensation," the server will also set initial configuration values ​​for these subitems based on the default subitem default values ​​in the default configuration parameters.

[0044] Method 2: Input at least one product label and responsibility item into the assignment model, set initial configuration assignment for the responsibility item and at least one sub-item included in the responsibility item based on the assignment model, and complete the operation of setting initial configuration assignment for the responsibility item.

[0045] Among them, the second method is an automated configuration method based on machine learning or artificial intelligence technology. A pre-trained assignment model can automatically output matching preset rule features based on the input product labels and responsibility items. These rule features contain information on how to set initial configuration assignments for the responsibility items and their sub-items. By parsing these rule features, the server can quickly and accurately set initial configuration assignments for the responsibility items and their sub-items. For details, see Figure 4 When setting initial configuration assignment for the responsibility project and at least one sub-project included in the responsibility project based on the assignment model, the following steps S21 to S23 are included:

[0046] S21: Acquire multiple preset rule features output by the assignment model that match at least one product label.

[0047] The server passes at least one product tag and liability item as input to the valuation model. Based on this input, the valuation model searches for multiple matching pre-set rule features. These rule features may include various configuration information regarding compensation ratios, compensation limits, deductibles, compensation conditions, and so on. For example, for the product tag "Health Insurance - Hospitalization," the valuation model may output a series of rule features related to hospitalization medical expense compensation, such as "the compensation ratio should be between 70% and 90%," "the compensation limit should be adjusted based on age and insured amount," and so on.

[0048] S22: Using the assignment model, determine at least one corresponding target preset rule feature for the responsibility project and each sub-project from a plurality of preset rule features.

[0049] After obtaining multiple preset rule features, the server needs to filter out the target preset rule features that are most relevant to the responsible project and each sub-project.

[0050] For example, for the "drug expense compensation" sub-item under the "hospitalization medical expense compensation" liability item, the server will filter out target preset rule features related to drug expense compensation from multiple rule features, such as "the drug expense compensation ratio should be 85%" or "drug expense compensation should be included in the total compensation limit" and other preset rule features as the target preset rule features corresponding to "drug expense compensation".

[0051] S23: Using the feature information of the corresponding at least one target preset rule feature, set initial configuration values ​​for the responsibility project and each sub-project, and complete the operation of setting initial configuration values ​​for the responsibility project.

[0052] After determining the target preset rule features for the responsibility project and each sub-project under the responsibility project, the server can use the feature information of these rule features to set initial configuration values ​​for the responsibility project and each sub-project.

[0053] For example, for the "Hospitalization Medical Expenses Compensation" liability item, the server will set the initial configuration value to "85% compensation ratio, 150,000 yuan per year compensation limit" based on the compensation ratio and compensation limit information in the target preset rule characteristics. Similarly, for the "Drug Expenses Compensation" sub-item, the server will also set the initial configuration value based on the corresponding target preset rule characteristics.

[0054] In this way, the second method realizes the automated configuration process based on the assignment model, so that the server can set reasonable initial configuration assignments for the responsible project and its sub-projects more quickly and accurately.

[0055] S30: Build a basic configuration template by using multiple responsibility items that complete product label settings and initial configuration value settings.

[0056] After completing the product labeling and initial configuration value assignments for the responsibility items, the final step of building the basic configuration template begins. In this final step, the server integrates all the responsibility items that have been labeled and assigned values ​​to form a basic configuration template with a clear structure and complete content. The basic configuration template not only contains the basic information of each responsibility item, but also establishes the association between the responsibility items and the product type and rule configuration through product labels and initial configuration values. This allows the server to quickly retrieve the matching initial configuration values ​​from the basic configuration template based on the target product type and responsibility information during the subsequent product claims rule configuration process, and further customize the rules based on this, greatly improving the efficiency and accuracy of the configuration process.

[0057] S50: Read multiple target initial configuration assignments in the basic configuration template according to the product type and product responsibility information of the target product.

[0058] After determining the target product, the server will read the corresponding initial configuration values ​​from the preset basic configuration template according to the product type and product responsibility information of the product. Figure 5 As shown, according to the product type and product responsibility information of the target product, reading multiple target initial configuration values ​​in the basic configuration template includes the following steps S51 to S53:

[0059] S51: extracting multiple candidate responsibility items from the basic configuration template.

[0060] Since the basic configuration template contains responsibility items and initial configuration assignments corresponding to various product types, the server will first screen out multiple candidate responsibility items in the basic configuration template, where the product label marked on each candidate responsibility item is the same as the product type of the target product.

[0061] For example, if the target product is a health insurance product, the product type of the target product is "health insurance". The server will search for all liability items marked with the "health insurance" product label in the basic configuration template and extract them as candidate liability items. These candidate liability items may include compensation for hospitalization medical expenses, compensation for outpatient medical expenses, compensation for major diseases, and other aspects.

[0062] S52: Parse the product responsibility information, determine a plurality of responsibility items to be configured included in the product responsibility information, and determine a corresponding target candidate responsibility item for each responsibility item to be configured among the plurality of candidate responsibility items.

[0063] After extracting the candidate liability items, the server needs to further parse the product liability information of the target product to determine which liability items need to be configured, that is, the liability items to be configured. Product liability information is a piece of information that contains the names and descriptions of multiple liability items. The server will determine the target candidate liability item corresponding to each liability item to be configured by comparing the liability item names in the product liability information with the project names of the candidate liability items, ensuring that the liability items to be configured and the candidate liability items can correspond one-to-one, so that the initial configuration assignment can be accurately read, that is, the project name of the target candidate liability item corresponding to the liability item to be configured is the same as the project name of the liability item to be configured. For example, if the product liability information includes the liability item "compensation for hospitalization medical expenses", the server will find the target candidate liability item with the project name "compensation for hospitalization medical expenses" among the candidate liability items, and use it as the corresponding item of the liability item to be configured.

[0064] S53: Reading the initial configuration value of the target candidate responsibility item corresponding to each responsibility item to be configured in the basic configuration template as a target initial configuration value, and obtaining multiple target initial configuration values.

[0065] After determining the liability items to be configured and their corresponding target candidate liability items, the server reads the initial configuration values ​​for each target candidate liability item from the basic configuration template. The server saves these initial configuration values ​​as the target initial configuration values ​​and prepares them for subsequent generation of initial claim rules.

[0066] For example, for the liability item "hospitalization medical expense compensation" to be configured, assuming the server reads the initial configuration values ​​for the target candidate liability item as "80% compensation ratio, 200,000 yuan annual compensation limit, and 10,000 yuan deductible," the server will save these values ​​as the target initial configuration values. After this step, the server will obtain multiple target initial configuration values, which will serve as the basis for generating the initial claims rules.

[0067] Through this series of steps, the server can accurately read the initial configuration values ​​of the liability items that match the target product from the basic configuration template, providing reliable data support for the subsequent generation of initial claims rules.

[0068] S60: Generate initial claim rules by using multiple target initial configuration assignments, and send the initial claim rules to the rule receiver.

[0069] After reading the target initial configuration values, the server uses these values ​​to generate an initial claims rule to guide the subsequent claims processing. Once generated, the server distributes the initial claims rule to the recipient, which can be the insurance company's claims department or customer service department. They will conduct a preliminary review and confirmation of the rule to ensure it meets the company's business needs and make appropriate adjustments.

[0070] It should be noted that when generating the initial claim rules, there is actually a certain correlation between some rules, which belongs to the relationship between pre- and post-rules. The pre- and post-rules determine the execution order and triggering conditions of each rule in the claim process. Simply put, the pre-rule is the prerequisite for a claim rule to be executed. Only when the pre-rule is triggered or satisfied, the post-rule can be further triggered and executed. This mechanism ensures the rigor and logic of the claim process and avoids conflicts and confusion between rules. For example, in the claim rules of a health insurance product, there may be a pre-rule that "the insured is hospitalized for accidental injury", and the post-rule is "compensation is made according to the hospitalization medical expense compensation ratio". In this example, only when the insured is actually hospitalized for accidental injury (that is, the pre-rule is triggered), will the insurance company pay according to the hospitalization medical expense compensation ratio (that is, the post-rule). Therefore, when generating the initial claim rules, it is necessary to consider whether there is a pre- and post-requisite relationship between the rules, and pay special attention to the logical relationship and triggering conditions between the rules. For example Figure 6 As shown, the process of generating the initial claim settlement rules by using multiple target initial configuration assignments includes the following steps S61 to S65:

[0071] S61: Extract any target initial configuration assignment from multiple target initial configuration assignments as the first target initial configuration assignment, determine the first target to-be-configured responsibility item corresponding to the first target initial configuration assignment among the multiple to-be-configured responsibility items included in the product responsibility information, associate the first target initial configuration assignment with the first target to-be-configured responsibility item, and obtain a first responsibility item information group.

[0072] The server first selects one of the multiple target initial configuration values ​​as the first target initial configuration value and identifies the to-be-configured responsibility item in the product responsibility information corresponding to this value, which is the first target to-be-configured responsibility item. The server then associates this initial configuration value with the to-be-configured responsibility item, forming a responsibility item information group containing the responsibility item name and initial configuration value.

[0073] Suppose the target product is a health insurance policy that includes two liability items: "Inpatient Medical Expense Reimbursement" and "Outpatient Medical Expense Reimbursement." The basic configuration template extracts two target initial configuration values: one for "Inpatient Medical Expense Reimbursement" (e.g., an 80% compensation ratio and a 100,000 yuan compensation limit) and one for "Outpatient Medical Expense Reimbursement" (e.g., a 50% compensation ratio and a 5,000 yuan compensation limit). First, select the initial configuration value for "Inpatient Medical Expense Reimbursement" as the first target initial configuration value, and determine that its corresponding first target liability item to be configured is "Inpatient Medical Expense Reimbursement." Then, associate this initial configuration value with the liability item to be configured to form a liability item information group, such as "Liability Item Name: Inpatient Medical Expense Reimbursement, Initial Configuration Value: 80% Compensation Ratio, 100,000 yuan compensation limit."

[0074] S62: Read the first assignment content of the first target initial configuration assignment, and identify whether the first assignment content includes an associated responsibility item.

[0075] Next, the server reads the value content of the first target initial configuration and checks whether it contains information related to other responsibility items, namely related responsibility items. These related responsibility items may be other responsibility items involved in the pre-rule or post-rule.

[0076] Assume that there is an implicit association condition in the initial configuration assignment of "hospitalization medical expenses compensation", namely "if the hospitalization medical expenses exceed 50,000 yuan, an additional 10,000 yuan of rehabilitation expenses will be paid", then the "hospitalization medical expenses compensation" here can be regarded as a prerequisite rule, which is related to another liability item "rehabilitation expenses compensation".

[0077] S63: When it is identified that the first assignment content includes an associated responsibility item, the target initial configuration assignment that matches the associated responsibility item is extracted from multiple target initial configuration assignments as the second target initial configuration assignment, and among multiple responsibility items to be configured, the second target responsibility item to be configured corresponding to the second target initial configuration assignment is determined, the second target initial configuration assignment is associated with the second target responsibility item to be configured to obtain a second responsibility item information group, and the second responsibility item information group is used as a post-rule of the first responsibility item information group and associated with the first responsibility item information group.

[0078] If the first assignment contains associated liability items, the server searches the remaining target initial configuration assignments for matching target initial configuration items and determines their corresponding liability items to be configured. It then generates new liability item information groups for these matching liability items and associates them as post-rules of the first liability item information group. This forms a claim rule chain consisting of both pre- and post-rules.

[0079] Continuing with the above example, the liability item "Rehabilitation Expense Compensation" can be considered a post-rule for "Hospitalization Expense Compensation." The server will find the target initial configuration value matching "Rehabilitation Expense Compensation" in the basic configuration template (assuming a fixed payment of 10,000 yuan) and associate it with the liability item information group for "Hospitalization Expense Compensation." This forms a claim rule chain consisting of pre-rules and post-rules.

[0080] S64: Continue to read the second assignment content of the second target initial configuration assignment, identify whether the second assignment content includes associated liability items, and when it is determined that there are associated liability items, extract the target initial configuration assignment that matches the associated liability items from multiple target initial configuration assignments as the third target initial configuration assignment, generate a third liability item information group for the third target initial configuration assignment, and use the third liability item information group as a post-rule of the second liability item information group and associate it with the second liability item information group, until the currently identified assignment content does not include associated liability items, and obtain a claim rule information.

[0081] The server then reads the assigned content in the post-rule and checks to see if any related liability items exist. If so, it repeats the above steps, generating new post-rules for these related liability items and associating them with the previous liability item information group. This process continues until the currently identified assigned content no longer contains related liability items, ultimately forming a complete set of claim settlement rules.

[0082] S65: Re-extract any target initial configuration assignment from other target initial configuration assignments and generate claim rule information until each target initial configuration assignment is traversed, and all the obtained claim rule information is used as the initial configuration claim rule.

[0083] Among them, other target initial configuration assignments are target initial configuration assignments other than the target initial configuration assignments that have participated in the generation of claim rule information. That is, the server will re-extract any target initial configuration assignments from other target initial configuration assignments that have not participated in the generation of claim rule information, and repeat the above steps to generate corresponding claim rule information for them. This process will continue until all target initial configuration assignments have been traversed. Finally, the server will integrate all the obtained claim rule information together to form the initial configuration claim rules, and send these rules to the rule recipient.

[0084] Through such an implementation plan, the server can accurately generate initial claims rules including pre- and post-rules based on the product liability information of the target product and the initial configuration assignment in the basic configuration template, providing strong support for the subsequent claims process.

[0085] The initial claims rules generated above establish a pre- and post-processing mechanism by establishing relationships between pre- and post-processing rules. In actual application, to better handle different types of policies and claims, the server can also set up pre- and post-processing rule templates, distinguishing between group and individual policies. Furthermore, when template data is stored in the database, it is differentiated by self-verification type, including direct claims, fast claims, and ordinary claims.

[0086] For example, an insurance company recently launched a new group insurance product and synchronized it to the server. Based on the configuration, this new group insurance policy was automatically assigned three initial claim templates: [Direct Claim Group], [Three-Day Claim Group], and [General Claim Group]. These templates ensure that different types of claims can be efficiently processed according to established rules.

[0087] At the same time, the product factory also launched a new personal insurance product and synchronized it to the server. This new product was also automatically configured with three initial claim templates: [Direct Claim Individual Form], [Three-Day Claim Individual Form], and [Ordinary Claim Individual Form].

[0088] Shortly thereafter, a corporate client who had purchased a new group policy suffered an accident and reported it to the insurance company. The server identified the case as qualifying for a three-day claim and automatically triggered the corresponding claims process. During this process, the server ran pre- and post-rules based on the two template configurations: the "Three-Day Claim Group Policy" and the "General Case Group Policy." While these two templates may contain identical or similar pre- and post-rules, the server is designed to prioritize the "Three-Day Claim Group Policy" in the event of a conflict. Therefore, the case was processed according to the expedited claims process for three-day claims.

[0089] In this way, by flexibly configuring templates, the pre- and post-rules can be correctly associated and correctly executed during the claims process, thereby achieving efficient management of different types of insurance policies and claims cases. This application does not specifically limit the means used to set up the pre- and post-rule mechanism.

[0090] S70: When feedback information returned by the rule receiver regarding the initial claim settlement rules is received, the initial claim settlement rules are adjusted using the feedback information to obtain product claim settlement rules for the target product.

[0091] After receiving the initial claims rules, the policy recipient will conduct a detailed review and testing. They may discover issues or shortcomings in the initial claims rules, such as an overly high compensation ratio that increases the company's risk, or a compensation limit that is too low to meet customer needs. They will then provide feedback to the server, identifying the issues and suggesting changes. The server will then adjust and optimize the initial claims rules based on the suggestions. For example, if the policy recipient believes the compensation ratio is too high, the server will adjust it from 80% to 75%. If the compensation limit is too low, the server will increase it from 200,000 yuan per year to 300,000 yuan. After these adjustments, the server will obtain a more comprehensive product claims rule that better meets the company's and customer needs. This rule will be officially implemented in the subsequent claims processing process, providing more accurate and efficient claims services for insured persons.

[0092] Among them, such as Figure 7 As shown, the server can automatically perform the claim processing using the product claim processing rules and generate a claim processing plan, which specifically includes the following steps S80 and S90:

[0093] S80: When a claim request related to the target product is received, basic information of the pending claim case is obtained.

[0094] When an insurance company or a related service platform receives a claim request related to a specific product (such as auto insurance, health insurance, etc.), the server will automatically trigger the information acquisition mechanism. For example, suppose a customer submits a claim application for damage to his car due to a traffic accident. The server will first identify that the application is for auto insurance, and then automatically extract basic information from the document or online form submitted by the customer, including but not limited to: the customer's name, policy number, date and time of the accident, location of the accident, model and license plate number of the damaged vehicle, estimated amount of loss, whether there are any injuries, etc. In addition, if the server has integrated an interface with a third-party data source (such as a traffic police accident record system), it may also automatically obtain more accident details, such as liability determination.

[0095] S90: Generate a claim plan based on basic information and product claim rules, and output the claim plan.

[0096] After collecting all the necessary basic information, the server automatically enters the claim plan generation phase. During this phase, the server will evaluate the reasonableness of the claim request and the compensation amount based on the product's claims rules. Continuing with the example of an auto insurance claim, the server will calculate a reasonable compensation amount based on factors such as the current value of the vehicle, the scope of insurance coverage (such as whether it includes comprehensive insurance, whether a deductible has been purchased, etc.), the proportion of accident liability, and the average cost of the repair market. The server will also consider whether a deductible applies and whether the customer needs to provide additional supporting documents (such as repair invoices, accident scene photos, etc.).

[0097] Once the claim settlement is finalized, the service automatically generates a detailed claim report, which includes an overview of the claim request, basic information verification results, analysis of the application of claim rules, the calculation process and final result of the compensation amount, and matters requiring customer cooperation (such as submitting additional documents and confirming the payment account). This report is then immediately pushed to the customer via email, SMS, or client notification, and is also archived in the insurance company's internal system for subsequent review and tracking.

[0098] Through such automated processes, insurance companies can handle claims requests efficiently and accurately, improve customer satisfaction, and reduce human errors and operating costs.

[0099] It can be seen that in the above scheme, in response to the product claim rule configuration request, the target product for which the claim rule configuration is to be performed is determined, and according to the product type and product liability information of the target product, multiple target initial configuration assignments are read in the basic configuration template, and the initial claim rules are generated using the multiple target initial configuration assignments. The initial claim rules are sent to the rule receiver, and when the feedback information returned by the rule receiver for the initial claim rules is received, the initial claim rules are adjusted using the feedback information to obtain the product claim rules for the target product. When a new insurance claim product is launched or the existing product claim rules need to be adjusted, the server can automatically read and apply the relevant initial configuration assignments from the basic configuration template according to the specific type and liability information of the product to generate preliminary claim rules without manual intervention, thereby reducing the possibility of human error and speeding up the generation of product claim rules. At the same time, it also improves the overall work efficiency of claims and shortens the claims processing time.

[0100] It should be understood that the size of the serial numbers of the steps in the above embodiments does not mean the order of execution. The execution order of each process should be determined by its function and internal logic, and should not constitute any limitation on the implementation process of the embodiments of the present invention.

[0101] In one embodiment, a configuration device for product claim rules is provided, and the configuration device for product claim rules corresponds one-to-one with the configuration method for product claim rules in the above embodiment. Figure 8 As shown, the configuration device of the product claim rules includes a determination module 101, a reading module 102, a generation module 103 and an adjustment module 104. The functional modules are described in detail as follows:

[0102] The determination module 101 is configured to determine a target product for which claim rules are to be configured in response to a product claim rules configuration request;

[0103] The reading module 102 is configured to read multiple target initial configuration values ​​from the basic configuration template according to the product type and product responsibility information of the target product;

[0104] The generating module 103 is configured to generate an initial claim settlement rule by using the multiple target initial configuration assignments, and to send the initial claim settlement rule to a rule receiver;

[0105] The adjustment module 104 is configured to adjust the initial claim settlement rules using the feedback information returned by the rule receiver regarding the initial claim settlement rules, so as to obtain the product claim settlement rules for the target product.

[0106] In one embodiment, the apparatus further comprises:

[0107] A first acquisition module is configured to acquire a plurality of preset liability items and determine at least one matching designated product for each of the liability items from a plurality of products for which rule configuration has been completed, wherein the product claim rules of the designated product matching the liability item include the liability item;

[0108] a setting module, configured to perform the following processing on each of the responsibility items: setting at least one product tag for the responsibility item according to the product type of at least one designated product matching the responsibility item, and setting an initial configuration value for the responsibility item with reference to the at least one product tag;

[0109] A construction module is used to construct the basic configuration template by using the multiple responsibility items that have completed product label settings and initial configuration value assignment settings.

[0110] In one embodiment, the setting module is used to:

[0111] Obtaining default configuration parameters that match the at least one product tag, using the item default values ​​in the default configuration parameters to set an initial configuration value for the responsible item, and using the sub-item default values ​​in the default configuration parameters to set an initial configuration value for at least one sub-item included in the responsible item, thereby completing the operation of setting the initial configuration value for the responsible item; or,

[0112] Input the at least one product label and the responsibility item into the assignment model, set an initial configuration assignment for the responsibility item and at least one sub-item included in the responsibility item based on the assignment model, and complete the operation of setting the initial configuration assignment for the responsibility item.

[0113] In one embodiment, the setting module is used to

[0114] Acquire multiple preset rule features output by the assignment model that match the at least one product label;

[0115] Using the assignment model, determining at least one corresponding target preset rule feature for the responsibility project and each of the sub-projects from the plurality of preset rule features;

[0116] The characteristic information of the corresponding at least one target preset rule characteristic is used to set initial configuration values ​​for the responsibility item and each of the sub-items, thereby completing the operation of setting initial configuration values ​​for the responsibility item.

[0117] In one embodiment, the reading module 102 is configured to:

[0118] Extracting a plurality of candidate responsibility items from the basic configuration template, wherein the product label annotated on each candidate responsibility item is the same as the product type of the target product;

[0119] Parsing the product liability information, determining a plurality of to-be-configured liability items included in the product liability information, and determining a corresponding target candidate liability item for each to-be-configured liability item among the plurality of candidate liability items, wherein the project name of the target candidate liability item corresponding to the to-be-configured liability item is the same as the project name of the to-be-configured liability item;

[0120] The initial configuration value of the target candidate responsibility item corresponding to each responsibility item to be configured is read in the basic configuration template as a target initial configuration value to obtain the multiple target initial configuration values.

[0121] In one embodiment, the generating module 103 is configured to:

[0122] Extracting any target initial configuration assignment from the multiple target initial configuration assignments as a first target initial configuration assignment; determining a first target responsibility item to be configured corresponding to the first target initial configuration assignment from the multiple responsibility items to be configured included in the product responsibility information; and associating the first target initial configuration assignment with the first target responsibility item to be configured to obtain a first responsibility item information group;

[0123] Reading a first assignment content of the first target initial configuration assignment, and identifying whether the first assignment content includes an associated responsibility item;

[0124] When it is identified that the associated responsibility item is included in the first assignment content, a target initial configuration assignment matching the associated responsibility item is extracted from the multiple target initial configuration assignments as a second target initial configuration assignment, and a second target responsibility item to be configured corresponding to the second target initial configuration assignment is determined among the multiple responsibility items to be configured, and the second target initial configuration assignment is associated with the second target responsibility item to be configured to obtain a second responsibility item information group, and the second responsibility item information group is used as a post-rule of the first responsibility item information group and associated with the first responsibility item information group;

[0125] Continue reading the second assignment content of the second target initial configuration assignment, identify whether the second assignment content includes an associated liability item, and when it is determined that an associated liability item exists, extract the target initial configuration assignment that matches the associated liability item from the multiple target initial configuration assignments as a third target initial configuration assignment, generate a third liability item information group for the third target initial configuration assignment, and use the third liability item information group as a post-rule of the second liability item information group and associate it with the second liability item information group, until the currently identified assignment content does not include an associated liability item, thereby obtaining claim settlement rule information;

[0126] Re-extract any target initial configuration assignment from other target initial configuration assignments and generate claim rule information until each of the target initial configuration assignments is traversed, and all the obtained claim rule information is used as the initial configuration claim rule, wherein the other target initial configuration assignments are target initial configuration assignments among the multiple target initial configuration assignments except the target initial configuration assignments that have participated in the generation of claim rule information.

[0127] In one embodiment, the apparatus further comprises:

[0128] A second acquisition module is configured to acquire basic information of a pending claim case upon receiving a claim request related to the target product;

[0129] The output module is used to generate a claim settlement plan by referring to the basic information and the product claim settlement rules, and output the claim settlement plan.

[0130] The present invention provides a configuration device for product claim rules. In response to a product claim rule configuration request, the device determines the target product to be configured with the claim rules, reads multiple target initial configuration assignments in a basic configuration template according to the product type and product liability information of the target product, generates initial claim rules using the multiple target initial configuration assignments, and sends the initial claim rules to a rule receiver. Upon receiving feedback information returned by the rule receiver for the initial claim rules, the device adjusts the initial claim rules using the feedback information to obtain the product claim rules for the target product. When a new insurance claim product is launched or the claim rules of an existing product need to be adjusted, the server can automatically read and apply the relevant initial configuration assignments from the basic configuration template according to the specific type and liability information of the product to generate preliminary claim rules without manual intervention, thereby reducing the possibility of human error and speeding up the generation of product claim rules. At the same time, it also improves the overall work efficiency of claims and shortens the claim processing time.

[0131] The specific limitations of the configuration device for product claim rules can be found in the limitations of the configuration method for product claim rules above and will not be repeated here. The various modules in the above-mentioned configuration device for product claim rules can be implemented in whole or in part through software, hardware, or a combination thereof. The above-mentioned modules can be embedded in or independent of the processor in the computer device in hardware form, or can be stored in the memory of the computer device in software form, so that the processor can call and execute the corresponding operations of each of the above modules.

[0132] In one embodiment, a computer device is provided. The computer device may be a server, and its internal structure diagram may be as follows: Figure 9 As shown. The computer device includes a processor, memory, network interface and database connected via a system bus. The processor of the computer device is used to provide computing and control capabilities. The memory of the computer device includes non-volatile and / or volatile storage media and internal memory. The non-volatile storage medium stores an operating system, a computer program and a database. The internal memory provides an environment for the operation of the operating system and computer program in the non-volatile storage medium. The network interface of the computer device is used to communicate with an external client via a network connection. When the computer program is executed by the processor, it implements the functions or steps on the server side of an intelligent question-answering processing method based on artificial intelligence.

[0133] In one embodiment, a computer device is provided. The computer device may be a client, and its internal structure diagram may be as follows: Figure 10As shown. The computer device includes a processor, memory, network interface, display screen and input device connected via a system bus. The processor of the computer device is used to provide computing and control capabilities. The memory of the computer device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system and a computer program. The internal memory provides an environment for the operation of the operating system and computer program in the non-volatile storage medium. The network interface of the computer device is used to communicate with an external server via a network connection. When the computer program is executed by the processor, it implements the functions or steps on the client side of a method for configuring product claim rules.

[0134] 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. When the processor executes the computer program, the following steps are performed:

[0135] In response to a product claim rule configuration request, determining a target product for which claim rule configuration is to be performed;

[0136] Reading multiple target initial configuration values ​​from a basic configuration template according to the product type and product responsibility information of the target product;

[0137] Generating initial claim settlement rules by using the multiple target initial configuration assignments, and sending the initial claim settlement rules to a rule recipient;

[0138] When feedback information returned by the rule receiver regarding the initial claim settlement rules is received, the initial claim settlement rules are adjusted using the feedback information to obtain the product claim settlement rules for the target product.

[0139] In one embodiment, a computer-readable storage medium is provided, on which a computer program is stored. When the computer program is executed by a processor, the following steps are implemented:

[0140] In response to a product claim rule configuration request, determining a target product for which claim rule configuration is to be performed;

[0141] Reading multiple target initial configuration values ​​from a basic configuration template according to the product type and product responsibility information of the target product;

[0142] Generating initial claim settlement rules by using the multiple target initial configuration assignments, and sending the initial claim settlement rules to a rule recipient;

[0143] When feedback information returned by the rule receiver regarding the initial claim settlement rules is received, the initial claim settlement rules are adjusted using the feedback information to obtain the product claim settlement rules for the target product.

[0144] It should be noted that the above functions or steps that can be implemented by the computer-readable storage medium or computer device can be found in the relevant descriptions of the server side and the client side in the aforementioned method embodiment. To avoid repetition, they will not be described one by one here.

[0145] Those skilled in the art will appreciate that all or part of the processes in the above-mentioned embodiments can be implemented by instructing the relevant hardware through a computer program. The computer program can be stored in a non-volatile computer-readable storage medium. When the computer program is executed, it can include the processes of the embodiments of the above-mentioned methods. Among them, any reference to memory, storage, database 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), double data rate SDRAM (DDRSDRAM), enhanced SDRAM (ESDRAM), synchronous link (Synchlink) DRAM (SLDRAM), memory bus (Rambus) direct RAM (RDRAM), direct memory bus dynamic RAM (DRDRAM), and memory bus dynamic RAM (RDRAM).

[0146] Those skilled in the art will clearly understand that for the sake of convenience and brevity of description, only the division of the above-mentioned functional units and modules is used as an example. In actual applications, the above-mentioned functions can be distributed and completed by 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.

[0147] The embodiments described above are only used to illustrate the technical solutions of the present invention, rather than to limit the same. Although the present invention has been described in detail with reference to the aforementioned embodiments, those skilled in the art should understand that they can still modify the technical solutions described in the aforementioned embodiments, or make equivalent replacements for some of the technical features therein. These modifications or replacements do not deviate the essence of the corresponding technical solutions from the spirit and scope of the technical solutions of the embodiments of the present invention, and should all be included in the scope of protection of the present invention.

Claims

1. A method for configuring product claim rules, characterized in that: include: In response to a product claim rule configuration request, a target product to be configured with claim rules is determined; wherein, before determining the target product to be configured with claim rules in response to the product claim rule configuration request, the method further comprises: obtaining a plurality of preset responsibility items, and determining at least one designated product that matches each responsibility item among a plurality of products for which rule configuration has been completed, wherein the product claim rule of the designated product that matches the responsibility item includes the responsibility item; performing the following processing on each responsibility item: setting at least one product label for the responsibility item according to the product type of the at least one designated product that matches the responsibility item, and setting an initial configuration value for the responsibility item with reference to the at least one product label; constructing a basic configuration template using the plurality of responsibility items that have completed product label setting and initial configuration value setting, wherein the basic configuration template contains basic information of each responsibility item, and establishes an association between the responsibility item and the product type and rule configuration through the product label and the initial configuration value; Reading multiple target initial configuration values ​​from a basic configuration template according to the product type and product responsibility information of the target product; Generating initial claim settlement rules by using the multiple target initial configuration assignments, and sending the initial claim settlement rules to a rule recipient; When feedback information returned by the rule receiver regarding the initial claim settlement rules is received, the initial claim settlement rules are adjusted using the feedback information to obtain the product claim settlement rules for the target product.

2. The method according to claim 1, characterized in that The setting of an initial configuration value for the responsibility item with reference to the at least one product tag includes: Obtaining default configuration parameters that match the at least one product tag, using the item default values ​​in the default configuration parameters to set an initial configuration value for the responsible item, and using the sub-item default values ​​in the default configuration parameters to set an initial configuration value for at least one sub-item included in the responsible item, thereby completing the operation of setting the initial configuration value for the responsible item; or, Input the at least one product label and the responsibility item into the assignment model, set an initial configuration assignment for the responsibility item and at least one sub-item included in the responsibility item based on the assignment model, and complete the operation of setting the initial configuration assignment for the responsibility item.

3. The method according to claim 2, characterized in that The setting of initial configuration assignments for the responsibility item and at least one sub-item included in the responsibility item based on the assignment model includes: Acquire multiple preset rule features output by the assignment model that match the at least one product label; Using the assignment model, determining at least one corresponding target preset rule feature for the responsibility project and each of the sub-projects from the plurality of preset rule features; The characteristic information of the corresponding at least one target preset rule characteristic is used to set initial configuration values ​​for the responsibility item and each of the sub-items, thereby completing the operation of setting initial configuration values ​​for the responsibility item.

4. The method according to claim 1, wherein The step of reading multiple target initial configuration values ​​from the basic configuration template according to the product type and product responsibility information of the target product includes: Extracting a plurality of candidate responsibility items from the basic configuration template, wherein the product label annotated on each candidate responsibility item is the same as the product type of the target product; Parsing the product liability information, determining a plurality of to-be-configured liability items included in the product liability information, and determining a corresponding target candidate liability item for each to-be-configured liability item among the plurality of candidate liability items, wherein the project name of the target candidate liability item corresponding to the to-be-configured liability item is the same as the project name of the to-be-configured liability item; The initial configuration value of the target candidate responsibility item corresponding to each responsibility item to be configured is read in the basic configuration template as a target initial configuration value to obtain the multiple target initial configuration values.

5. The method according to claim 1, wherein The generating of initial claim settlement rules by using the multiple target initial configuration assignments includes: Extracting any target initial configuration assignment from the multiple target initial configuration assignments as a first target initial configuration assignment; determining a first target responsibility item to be configured corresponding to the first target initial configuration assignment from the multiple responsibility items to be configured included in the product responsibility information; and associating the first target initial configuration assignment with the first target responsibility item to be configured to obtain a first responsibility item information group; Reading a first assignment content of the first target initial configuration assignment, and identifying whether the first assignment content includes an associated responsibility item; When it is identified that the associated responsibility item is included in the first assignment content, a target initial configuration assignment matching the associated responsibility item is extracted from the multiple target initial configuration assignments as a second target initial configuration assignment, and a second target responsibility item to be configured corresponding to the second target initial configuration assignment is determined among the multiple responsibility items to be configured, and the second target initial configuration assignment is associated with the second target responsibility item to be configured to obtain a second responsibility item information group, and the second responsibility item information group is used as a post-rule of the first responsibility item information group and associated with the first responsibility item information group; Continue reading the second assignment content of the second target initial configuration assignment, identify whether the second assignment content includes an associated liability item, and when it is determined that an associated liability item exists, extract the target initial configuration assignment that matches the associated liability item from the multiple target initial configuration assignments as a third target initial configuration assignment, generate a third liability item information group for the third target initial configuration assignment, and use the third liability item information group as a post-rule of the second liability item information group and associate it with the second liability item information group, until the currently identified assignment content does not include an associated liability item, thereby obtaining claim settlement rule information; Re-extract any target initial configuration assignment from other target initial configuration assignments and generate claim rule information until each of the target initial configuration assignments is traversed, and all the obtained claim rule information is used as the initial configuration claim rule, wherein the other target initial configuration assignments are target initial configuration assignments among the multiple target initial configuration assignments except the target initial configuration assignments that have participated in the generation of claim rule information.

6. The method according to claim 1, wherein The method further comprises: When receiving a claim request related to the target product, obtaining basic information of the pending claim case; Referring to the basic information and the product claim rules, a claim plan is generated and the claim plan is output.

7. A device for configuring product claim rules, characterized in that: include: A determination module is used to determine the target product to be configured with claim rules in response to a product claim rule configuration request; wherein, the device further comprises: a first acquisition module, used to obtain a plurality of preset responsibility items, and determine at least one matching designated product for each of the responsibility items among a plurality of products for which the rule configuration has been completed, wherein the product claim rules of the designated product matching the responsibility item include the responsibility item; a setting module is used to perform the following processing on each of the responsibility items: according to the product type of the at least one designated product matching the responsibility item, setting at least one product label for the responsibility item, and setting an initial configuration value for the responsibility item with reference to the at least one product label; a construction module is used to construct a basic configuration template using the plurality of responsibility items for which the product label setting and the initial configuration value setting have been completed, wherein the basic configuration template contains the basic information of each of the responsibility items, and establishes an association between the responsibility item and the product type and the rule configuration through the product label and the initial configuration value; A reading module, configured to read a plurality of target initial configuration assignments in a basic configuration template according to the product type and product responsibility information of the target product; A generating module, configured to generate an initial claim settlement rule by using the multiple target initial configuration assignments, and to send the initial claim settlement rule to a rule receiver; The adjustment module is used to adjust the initial claim rules using the feedback information returned by the rule receiver for the initial claim rules to obtain the product claim rules of the target product.

8. An electronic device comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein: When the processor executes the computer program, the steps of the method for configuring product claim rules according to any one of claims 1 to 7 are implemented.

9. A computer-readable storage medium storing a computer program, characterized in that: When the computer program is executed by a processor, the steps of the method for configuring product claim rules according to any one of claims 1 to 7 are implemented.

Images