Project processing method and device

Abstract

The embodiment of the invention provides a project processing method and device.The project processing method comprises the steps that after a user terminal generates an insurance cancellation request of a savings guarantee project and submits the insurance cancellation request, an insurance cancellation interaction page is generated according to the insurance cancellation request submitted by the user terminal and returned to the user terminal, and then the insurance cancellation interaction page is sent to the user terminal according to the project type of the savings guarantee project; and determining a prediction parameter for carrying out insurance cancellation inquiry prediction in the guarantee user data and the insurance policy data, finally inputting the prediction parameter into a prediction model corresponding to the item type to carry out insurance cancellation inquiry prediction, obtaining an insurance cancellation loss interval, returning the insurance cancellation loss interval to the user terminal, and obtaining and displaying the insurance cancellation loss interval by the user terminal. Therefore, interaction with the user is carried out in the insurance cancellation process of the savings guarantee project.

Description

Technical Field

[0001] This document relates to the field of data processing technology, and in particular to a project processing method and device. Background Art

[0002] With the continuous development and promotion of the Internet, related services of Internet-based protection projects are becoming more and more popular, such as online insurance, online withdrawal, online claims, etc. In this case, Internet protection project services not only improve the efficiency and accuracy of services, but also bring great convenience to users. However, as users' requirements for service experience continue to increase, how to quickly and accurately provide users with relevant information on protection project services, and how to improve user retention have become the focus of attention of all parties. Summary of the invention

[0003] One or more embodiments of this specification provide a project processing method, including: generating a surrender interaction page according to a surrender request of a savings protection project submitted by a user terminal and returning it to the user terminal. According to the project type of the savings protection project, determining prediction parameters for surrender inquiry prediction in the protection user data and the policy data. Inputting the prediction parameters into the prediction model corresponding to the project type to perform surrender inquiry prediction, obtaining the surrender loss interval and returning it to the user terminal.

[0004] One or more embodiments of the present specification provide another project processing method, including: generating a cancellation request for a savings protection project and submitting it to a server. Displaying a cancellation interaction page for the savings protection project returned by the server. Obtaining and displaying the cancellation loss range obtained by performing a cancellation inquiry prediction returned by the server; the cancellation inquiry prediction is performed by inputting the prediction parameters determined in the user data and policy data of the insured user into the prediction model corresponding to the project type of the savings protection project.

[0005] One or more embodiments of the present specification provide a project processing device, including: a page return module, configured to generate a surrender interaction page according to a surrender request for a savings protection project submitted by a user terminal and return it to the user terminal. A parameter determination module, configured to determine prediction parameters for surrender inquiry prediction in the protection user data and the policy data according to the project type of the savings protection project. A prediction module, configured to input the prediction parameters into the prediction model corresponding to the project type to perform surrender inquiry prediction, obtain the surrender loss interval and return it to the user terminal.

[0006] One or more embodiments of the present specification provide another project processing device, including: a request submission module, configured to generate a cancellation request for a savings protection project and submit it to a server. A page display module, configured to display the cancellation interaction page of the savings protection project returned by the server. A loss display module, configured to obtain and display the cancellation loss range obtained by performing a cancellation inquiry prediction returned by the server; the cancellation inquiry prediction is performed by inputting the prediction parameters determined in the user data and policy data of the insured user into the prediction model corresponding to the project type of the savings protection project.

[0007] One or more embodiments of the present specification provide a project processing device, including: a processor; and a memory configured to store computer executable instructions, wherein when the computer executable instructions are executed, the processor generates a surrender interaction page according to a surrender request for a savings protection project submitted by a user terminal and returns it to the user terminal. According to the project type of the savings protection project, the prediction parameters for surrender inquiry prediction are determined in the protection user data and the policy data. The prediction parameters are input into the prediction model corresponding to the project type to perform surrender inquiry prediction, and the surrender loss interval is obtained and returned to the user terminal.

[0008] One or more embodiments of the present specification provide another project processing device, including: a processor; and a memory configured to store computer executable instructions, wherein when the computer executable instructions are executed, the processor generates a request for the surrender of a savings protection project and submits it to a server. Displays the surrender interaction page of the savings protection project returned by the server. Obtains and displays the surrender loss range obtained by performing a surrender inquiry prediction returned by the server; the surrender inquiry prediction is performed by inputting the prediction parameters determined in the user data and policy data of the insured user into the prediction model corresponding to the project type of the savings protection project.

[0009] One or more embodiments of the present specification provide a computer-readable storage medium for storing computer-executable instructions, which implement the following process when executed: according to the surrender request of the savings protection project submitted by the user terminal, generate a surrender interaction page and return it to the user terminal. According to the project type of the savings protection project, determine the prediction parameters for surrender inquiry prediction in the protection user data and the policy data. Input the prediction parameters into the prediction model corresponding to the project type to perform surrender inquiry prediction, obtain the surrender loss range and return it to the user terminal.

[0010] One or more embodiments of the present specification provide another computer-readable storage medium for storing computer-executable instructions, which implement the following process when executed: Generate a cancellation request for a savings protection project and submit it to a server. Display the cancellation interaction page of the savings protection project returned by the server. Obtain and display the cancellation loss range obtained by performing a cancellation inquiry prediction returned by the server; the cancellation inquiry prediction is performed by inputting the prediction parameters determined in the user data and policy data of the insured user into the prediction model corresponding to the project type of the savings protection project. BRIEF DESCRIPTION OF THE DRAWINGS

[0011] In order to more clearly illustrate one or more embodiments of the present specification or the technical solutions in the prior art, the drawings required for use in the embodiments or the prior art descriptions are briefly introduced below. Obviously, the drawings described below are only some embodiments recorded in the present specification. For those of ordinary skill in the art, other drawings can be obtained based on these drawings without creative labor. Figure 1 A schematic diagram of an implementation environment of a project processing method provided for one or more embodiments of this specification; Figure 2 A process flow chart of a project processing method provided for one or more embodiments of this specification; Figure 3 A schematic diagram of a policy cancellation interaction page provided in one or more embodiments of this specification; Figure 4 A schematic diagram of a processing page provided for one or more embodiments of this specification; Figure 5 A schematic diagram of a refund confirmation page provided for one or more embodiments of this specification; Figure 6 A processing flow chart of a project processing method applied to a policy cancellation scenario provided by one or more embodiments of this specification; Figure 7 A processing flow chart of another project processing method provided for one or more embodiments of this specification; Figure 8 A schematic diagram of an embodiment of a project processing device provided for one or more embodiments of this specification; Fig. 9 A schematic diagram of another project processing device embodiment provided for one or more embodiments of this specification; Fig.10 A schematic diagram of the structure of a project processing device provided for one or more embodiments of this specification; Fig.11A schematic diagram of the structure of another project processing device provided for one or more embodiments of this specification. DETAILED DESCRIPTION

[0012] In order to enable those skilled in the art to better understand the technical solutions in one or more embodiments of this specification, the technical solutions in one or more embodiments of this specification will be clearly and completely described below in conjunction with the drawings in one or more embodiments of this specification. Obviously, the described embodiments are only part of the embodiments of this specification, not all of them. Based on one or more embodiments of this specification, all other embodiments obtained by ordinary technicians in this field without creative work should fall within the scope of protection of this document.

[0013] The project processing method provided in one or more embodiments of this specification can be applied to the implementation environment of insurance cancellation. Figure 1 , the implementation environment at least includes a server 101, a user terminal 102, and a processing device 103 of a security agency; Among them, server 101 can be one or more servers, a server cluster composed of several servers, or a cloud server of a cloud computing platform. Server 101 can be deployed with an interactive robot; server 101 is used to interact with user terminal 102, receive a cancellation request submitted by user terminal 102, and return a cancellation interaction page and a cancellation loss range predicted by cancellation inquiry to the user terminal.

[0014] The user terminal 102 may be a smart phone, a tablet computer, an e-book reader, a wearable device, a device for information interaction based on AR (Augmented Reality) / VR (Virtual Reality), etc., and may also be installed with an application and / or a browser, through which a cancellation request is submitted and a cancellation interaction page is displayed; the user terminal 102 is used to submit the generated cancellation request to the server 101, and receive and display the cancellation interaction page and cancellation loss range returned by the server 101.

[0015] The processing device 103 of the insurance agency can perform a cancellation quotation calculation after receiving the cancellation quotation interface call request submitted by the server 101, and send the cancellation quotation result to the server 101. The processing device 103 of the insurance agency can also perform cancellation processing and return the corresponding cancellation amount to the server 101 after receiving the cancellation request submitted by the server 101.

[0016] In this implementation environment, during the project processing, the user terminal 102 generates a cancellation request for the savings protection project and submits it to the server 101. The server 101 uses an asynchronous method to call the cancellation inquiry interface of the protection project based on the cancellation request submitted by the user terminal 102 to send the cancellation inquiry processing to the processing device 103 of the protection agency. On the other hand, it generates a cancellation interaction page and returns it to the user terminal 102. The user terminal 102 receives and displays the cancellation interaction page of the savings protection project returned by the server 101. After the user triggers the cancellation inquiry question in the interactive question or asks a question containing the inquiry keyword on the cancellation interaction page, the user terminal 102 submits the question information to the server 101. After receiving the question information, the server 101 selects the cancellation inquiry question in the protection user data and the policy data according to the project type of the savings protection project. Determine the prediction parameters for the policy surrender inquiry prediction, input the prediction parameters into the prediction model corresponding to the project type to perform the policy surrender inquiry prediction, and return the prediction to the user terminal 102 after obtaining the policy surrender loss interval. The user terminal 102 obtains the policy surrender loss interval returned by the server 101 and displays it, so that the user can obtain the policy surrender loss prediction. After the server 101 receives the policy surrender inquiry result returned by the processing device 103 of the security agency, it generates a policy surrender confirmation page based on the policy surrender inquiry result, and returns the policy surrender confirmation page to the user terminal 102 after receiving the policy surrender confirmation instruction submitted by the user terminal 102. The user of the user terminal 102 displays the policy surrender confirmation page. If the user terminal 102 submits the policy surrender instruction to the server 101, the server 101 performs the policy surrender processing and returns the corresponding policy surrender amount to the user account, so that the user can realize the policy surrender.

[0017] One or more embodiments of a project processing method provided in this embodiment are as follows: Reference Figure 2 The project processing method provided in this embodiment can be applied to a server, and specifically includes steps S202 to S206.

[0018] Step S202: generating a policy surrender interaction page based on a policy surrender request for a savings protection item submitted by a user terminal and returning the page to the user terminal.

[0019] The savings protection project described in this embodiment refers to a project that combines savings and protection functions, providing users with fund accumulation while providing certain protection. On the one hand, users can pay premiums regularly, and part of the premiums paid can be deposited into the user's savings account, and the user can choose to withdraw this part of the funds after a certain period of time. On the other hand, if an agreed risk event occurs during the protection period, the user can obtain the corresponding funds paid by the insurance company in accordance with the agreement; There may be multiple types of savings protection projects, including savings protection projects of the savings type, dividend-type savings protection projects, floating-income type savings protection projects, etc.

[0020] In actual applications, after joining a savings protection project, users can choose to withdraw from the savings protection project. The user's withdrawal from the savings protection project is called policy withdrawal. For savings protection projects, after the user submits a policy withdrawal, a certain amount of funds must be returned to the user. Specifically, the process of calculating the funds to be returned to the user is called policy withdrawal inquiry.

[0021] After the user chooses to withdraw from the savings protection program, he or she may submit a withdrawal request, which refers to the user's request to the insurance company to withdraw from the savings protection program; the withdrawal interaction page refers to the user page that interacts with the user during the withdrawal process.

[0022] In specific implementation, during the cancellation process, the user terminal can generate and submit a cancellation request for the savings protection item. Here, after obtaining the cancellation request submitted by the user terminal, a cancellation interaction page is generated in response to the cancellation request submitted by the user terminal, and the generated cancellation interaction page is returned to the user terminal. After returning, the user terminal can display it to the user.

[0023] Specifically, in the process of generating the policy cancellation interactive page, in order to improve the response speed and efficiency of the interaction process, a processing module specifically used for interaction during the policy cancellation process of the insurance project can also be configured. For example, the interaction can be processed through an interactive robot. Here, the generation of the policy cancellation interactive page can also be performed by the interactive robot.

[0024] Optionally, the method is applied to an interactive robot that performs interactive processing of policy cancellation for protection items; the policy cancellation interactive page includes a policy cancellation interactive page for savings protection items generated by the interactive robot.

[0025] Among them, the policy cancellation interaction page may include any one or more elements of interactive questions, question-and-answer interactive controls and / or policy cancellation controls; specifically, the policy cancellation interaction page may include interactive questions, which may be pre-set to guide users to understand the policy cancellation process and related information; the policy cancellation interaction page may also include question-and-answer interactive controls, so that users can input policy cancellation-related questions and obtain corresponding feedback and answers; the policy cancellation interaction page may also include policy cancellation controls, so that users can perform specific policy cancellation operations; optionally, the policy cancellation interaction page includes interactive questions, question-and-answer interactive controls and / or policy cancellation controls.

[0026] During the specific execution process, after the surrender interaction page is generated and returned to the user terminal, the user terminal may display the surrender interaction page, so that the user can understand the surrender-related process and information on the surrender interaction page; in order to improve the efficiency of surrender processing and provide users with more accurate and detailed answers to surrender-related questions, in an optional implementation manner provided by this embodiment, according to the surrender request of the savings protection item submitted by the user terminal, after the surrender interaction page is generated and returned to the user terminal, it also includes: Input the interactive questions submitted by the user terminal into the large language model to generate answers and obtain interactive answers; The interactive answer is returned to the user terminal to be displayed in the question-and-answer interactive control.

[0027] Specifically, after a policy cancellation interaction page is generated according to the policy cancellation request and returned to the user terminal, the user can input the interactive questions they want to know through the question-and-answer interactive control on the policy cancellation interaction page. These interactive questions may include aspects such as the specific process of policy cancellation, required materials, and estimated policy cancellation amount. The interactive questions submitted by the user are received and parsed, and then the interactive questions are input into the large language model. The large language model can analyze the user's interactive questions and generate corresponding interactive answers. The generated interactive answers are returned to the user terminal and displayed in the question-and-answer interactive control on the policy cancellation interaction page, so that the user can further understand the relevant information about the policy cancellation based on the interactive answers.

[0028] During the specific implementation process, in order to improve the accuracy of the surrender result and enable the user to obtain relatively accurate surrender loss information, after the surrender interaction page is generated and returned to the user terminal, it can be first detected whether the processing agency has a directly usable value calculation rule to calculate the surrender loss; in an optional implementation provided by this embodiment, according to the surrender request of the savings protection item submitted by the user terminal, after the surrender interaction page is generated and returned to the user terminal, and according to the item type of the savings protection item, before determining the prediction parameters for the surrender inquiry prediction in the protection user data and the policy data, it also includes: Check whether the processing agency has stored the value calculation rules of the savings guarantee project; If not, the following step S204 is executed to determine prediction parameters for policy cancellation inquiry prediction in the protection user data and the policy data according to the project type of the savings protection project.

[0029] Among them, the value calculation rules refer to the predefined rules used to calculate the policy cash value and / or surrender loss in the savings protection project. The value calculation rules can be used to calculate the precise surrender loss range, which is the actual surrender loss returned to the user.

[0030] Specifically, after the surrender interaction page is generated, it can be first detected whether the processing agency has stored the value calculation rules of the savings protection project. If the detection result is that the processing agency has not stored the value calculation rules of the savings protection project, it means that the pre-stored calculation rules cannot be directly used to accurately calculate the surrender loss of the savings protection project, and it is necessary to predict the surrender loss range through step S204; step S204 specifically determines the prediction parameters for surrender inquiry prediction according to the project type of the savings protection project, and further obtains the predicted surrender loss range; On the other hand, if the detection result shows that the processing agency has stored the value calculation rules of the savings protection project, it means that these pre-stored calculation rules can be used to accurately calculate the surrender loss of the savings protection project. In this case, the following optional implementation method can be used to obtain an accurate surrender loss range.

[0031] In an optional implementation manner provided by this embodiment, if the result of checking whether the processing mechanism stores the value calculation rules of the savings protection item is yes, the following operations are performed: Based on the insured user data and policy data, query the surrender calculation parameters in the value calculation rules; The surrender calculation parameters are input into the surrender loss algorithm to calculate the surrender loss and obtain the surrender loss range.

[0032] Specifically, if the detection result is that the processing agency has stored the value calculation rules of the savings protection project, first, the protection user data and policy data can be extracted from the user's cancellation request, and then the cancellation calculation parameters can be queried in the value calculation rules based on the protection user data and policy data. The cancellation calculation parameters can be as shown in Table 1 below; then, the specific values ​​and calculation methods related to these cancellation calculation parameters can be extracted from the pre-stored value calculation rules, and these cancellation calculation parameters can be input into the cancellation loss algorithm to calculate the cancellation loss, thereby obtaining the cancellation loss range.

[0033]

[0034] Table 1 Furthermore, in order to enable the user to understand the scope of financial losses that may be faced when surrendering the policy and provide reference information for the user to evaluate the impact of surrender, when calculating the losses that the user may face when surrendering the policy based on the user's policy data and surrender calculation parameters, a clear surrender loss range can be provided to the user; in an optional implementation manner provided in this embodiment, the surrender loss calculation includes: Calculate the first loss amount of the cumulative insured amount and the policy value of the current protection period, and calculate the second loss amount of the cumulative insured amount and the policy value of the previous protection period; Calculate the ratio of the first loss amount and the second loss amount to the cumulative insured amount as the upper and lower limits of the loss in the surrender loss range.

[0035] In this process, the difference between the cumulative insured amount and the policy value of the current protection period is first calculated as the first loss amount, and the difference between the cumulative insured amount and the policy value of the previous protection period is calculated as the second loss amount. Then, the ratio of the first loss amount to the cumulative insured amount is used as the upper limit of the loss of the surrender loss range, and the ratio of the second loss amount to the cumulative insured amount is used as the lower limit of the loss of the surrender loss range, so as to determine a specific surrender loss range.

[0036] For example, a user purchases insurance on x / x / 2021 and cancels the policy on x / x / 2024. Based on the policy data such as the insured's date of birth, user type, payment method, payment period, product collection period, and start collection period under the user's policy, the current policy year is 4. The current price value ratio at the end of the 3rd policy year and the cash value ratio of the 4th policy year can be obtained. The cancellation loss ratio x1 and x2 are calculated respectively through the cancellation loss ratio = (cumulative investment - policy current price) / cumulative investment. The cancellation loss ratio x1 can be used as the lower limit of the cancellation loss range, and the cancellation loss ratio x2 can be used as the upper limit of the cancellation loss range. The user's cancellation loss is in the interval [x1, x2].

[0037] In addition, after the cancellation interaction page is generated and returned to the user terminal, the user can also set a required options page or a required options pop-up window and return it to the user terminal before or after entering the cancellation interaction page, so that the user terminal can display the required options page or the required options pop-up window. The required options page or the required options pop-up window can be configured with required options for cancellation-related questions, such as the reason for cancellation, user needs, etc., or required options may not be configured, but cancellation-related questions can be set. Users can fill in or select according to their personal circumstances. Through this interactive question-and-answer mechanism, the user's needs can be better understood, so that targeted cancellation interaction page content can be provided according to user choices.

[0038] Step S204, according to the project type of the savings protection project, determine the prediction parameters for performing surrender inquiry prediction in the protection user data and the policy data.

[0039] In actual applications, after joining a savings protection project, users can choose to withdraw from the savings protection project. After the user requests a cancellation of the policy, a certain amount of funds must be returned to the user. The process of calculating the funds to be returned to the user and the user’s possible losses is called a cancellation inquiry.

[0040] As mentioned above, there are three types of project types for savings protection projects. In the process of forecasting policy cancellation inquiries, the forecasting parameters required for savings protection projects of different project types may be different. Here, the corresponding forecasting parameters can be determined according to the project type of the savings protection project based on the insured user data and policy data, so as to conduct further policy cancellation inquiry forecasts.

[0041] During the specific implementation process, in order to improve the accuracy of the surrender inquiry prediction results and improve the flexibility and adaptability of the surrender inquiry prediction process, appropriate prediction parameters can be selected according to different project types of savings protection projects; in an optional implementation provided by this embodiment, according to the project type of the savings protection project, the prediction parameters for the surrender inquiry prediction are determined in the protection user data and the policy data, including: Read each forecast parameter type in the forecast parameter table of the project type; Query the prediction parameters corresponding to each prediction parameter type in the insured user data and policy data.

[0042] Among them, the prediction parameter type is a parameter type pre-defined according to the type and content of the savings protection project, which may include the policy year, insured person's date of birth, user type, payment frequency, payment period, collection period and / or start period for collection, etc.

[0043] Specifically, in the process of determining the prediction parameters for the policy surrender inquiry prediction, first, each prediction parameter type can be read from the prediction parameter table corresponding to the project type of the savings protection project, and then the prediction parameters corresponding to each prediction parameter type can be queried in the protection user data and policy data, and the policy surrender inquiry prediction can be performed based on the queried prediction parameters.

[0044] For example, refer to the prediction parameter table of savings protection items of the savings type shown in Table 2. In the prediction parameter table, specific prediction parameters corresponding to each prediction parameter type such as policy year, user type, payment frequency, payment period, collection period, start collection period, and surrender loss range can be queried. The queried prediction parameters are input into the corresponding prediction model to perform surrender inquiry prediction.

[0045]

[0046] Table 2 Step S206, inputting the prediction parameters into the prediction model corresponding to the project type to perform surrender inquiry prediction, obtaining the surrender loss range and returning it to the user terminal.

[0047] The prediction model described in this embodiment is used to predict the amount and loss that the user may obtain when canceling the insurance based on the user's protected user data and policy data, combined with the specific project type and value calculation rules of the savings protection project; corresponding models can be set for different project types of savings protection projects. For example, different models can be trained when the prediction parameters are different, and the same model can be used when the prediction parameters are relatively similar; the input of the prediction model can be the prediction parameters determined from the protected user data and policy data according to the project type of the savings protection project, and the output is the cancellation loss range, which includes the upper limit and lower limit of the loss.

[0048] During the specific implementation, considering that different savings protection projects may have different calculation rules, in order to improve the accuracy of the prediction, firstly, the corresponding prediction model can be determined according to the project type of the savings protection project so that the prediction model matches the specific savings protection project. Secondly, the prediction parameters queried from the protection user data and policy data are input into the corresponding prediction model to perform surrender inquiry prediction, obtain the estimated surrender loss range, and return the estimated surrender loss range to the user terminal so that the user can understand the surrender loss that may be faced by the surrender.

[0049] During the specific execution process, when the user triggers the policy cancellation inquiry question in the policy cancellation interaction page, a policy cancellation inquiry prediction can be performed, and the predicted policy cancellation loss range can be returned to the user terminal, so as to promptly respond to the user's inquiry needs and provide the user with an immediate policy cancellation loss estimate; in an optional implementation manner provided by this embodiment, the policy cancellation inquiry prediction is performed after the policy cancellation inquiry question in the interactive question is triggered; after the policy cancellation loss range is returned to the user terminal, it is displayed in the question-and-answer interaction control.

[0050] Specifically, when the user clicks or selects a specific question related to the policy surrender inquiry among the interactive questions on the policy surrender interaction page, the corresponding instruction generated based on the user's trigger action submitted by the user terminal is received, and a policy surrender inquiry prediction can be performed; accordingly, the policy surrender loss range obtained by the policy surrender inquiry prediction can be returned to the user terminal and displayed in the question and answer interactive control on the policy surrender interaction page.

[0051] In addition, users can also submit questions containing inquiry keywords in the policy cancellation interaction page to trigger a policy cancellation inquiry prediction; in another optional implementation manner provided by this embodiment, the policy cancellation inquiry prediction is performed after detecting that the question information submitted by the user terminal contains inquiry keywords; the policy cancellation loss range is returned to the user terminal and displayed in the question and answer interaction control.

[0052] Specifically, when it is detected that a user submits a question information containing inquiry or keywords with similar meanings to inquiry in the question and answer interaction control of the policy cancellation interaction page, a policy cancellation inquiry prediction can also be triggered; and the returned policy cancellation loss range can be displayed in the question and answer interaction control configured in the policy cancellation interaction page of the user terminal, and a pop-up window or page containing the policy cancellation loss range can also be directly returned to the user terminal to display the policy cancellation loss range to the user.

[0053] For example, Figure 3 As shown, the policy cancellation interaction page may include a question-and-answer interaction control 301, a policy cancellation control 302 and / or interactive questions 303-1, 303-2, 303-3, etc. The user may directly select what he wants to know based on the displayed interactive questions, or may click the question button in the question-and-answer interaction control to input questions.

[0054] In actual applications, when users are interacting on the policy cancellation interaction page, if the question selected or entered by the user does not involve the policy cancellation amount or loss estimate, or if the user directly triggers the policy cancellation control to choose to cancel the policy after entering the policy cancellation interaction page, in order to enable the user to understand the possible financial losses that may be faced by the policy cancellation, a policy cancellation inquiry prediction can also be performed, and the policy cancellation range can be returned to the user after the user triggers the policy cancellation control.

[0055] In an optional implementation manner provided by this embodiment, the determination of the prediction parameters and the prediction of the surrender price are performed after receiving the surrender instruction generated by the surrender control that triggers the surrender; Correspondingly, a processing page carrying the surrender loss interval is generated and returned to the user terminal, and a surrender confirmation instruction generated after the surrender control configured on the processing page submitted by the user terminal is triggered is received.

[0056] Specifically, when the user does not select or ask questions related to the surrender amount or loss estimate in the surrender interaction page, but selects or asks general questions about the surrender process and then triggers the surrender control; or, the user does not conduct interactive questions and answers in the surrender interaction page, but directly triggers the surrender control, the surrender inquiry prediction can be performed after the user triggers the surrender control and the processing page with the surrender loss range can be returned to the user.

[0057] For example, when a user clicks Figure 3 After the surrender control 302 is activated, a surrender inquiry prediction can be performed based on the surrender instruction received to trigger the surrender control. Accordingly, the following can be generated: Figure 4 The pop-up window 401 showing the surrender loss interval or the processing page for generating the surrender loss interval is returned to the user terminal to show the predicted surrender loss interval to the user.

[0058] In the specific implementation process, in order to avoid the user waiting too long when accessing the surrender confirmation page, after receiving the surrender request of the savings protection project submitted by the user terminal, on the one hand, interactive questions and answers are conducted with the customer and the surrender loss is estimated, and on the other hand, the surrender confirmation page is loaded asynchronously, so that the user can perceive the surrender loss in advance and the problem of long page loading time for surrender inquiry is avoided; an optional implementation manner provided by this embodiment also includes: In response to the policy cancellation request, the policy cancellation inquiry interface of the savings protection project is called asynchronously to process the policy cancellation inquiry; A cancellation confirmation page is generated based on the cancellation inquiry result returned by the interface call, and the cancellation confirmation page is returned to the user terminal after receiving the cancellation confirmation instruction.

[0059] Specifically, in response to the surrender request submitted by the user terminal, the surrender inquiry interface of the savings protection project can be called in an asynchronous manner to process the surrender inquiry, that is, on the one hand, without waiting for the response result of the surrender inquiry interface, but first returning a surrender interaction page to the user terminal, so that the user can continue to browse or perform other operations while waiting for the surrender confirmation page, and on the other hand, the surrender inquiry interface is called asynchronously, and the interface can obtain the specific surrender amount and related fee information of the savings protection project from the insurance company; When the cancellation inquiry interface returns the cancellation inquiry result, a cancellation confirmation page can be generated based on the cancellation inquiry result. The cancellation confirmation page can contain detailed cancellation information to help users understand the specific circumstances of the cancellation more comprehensively. Users can perform further operations on the cancellation interaction page. After receiving the user's cancellation confirmation instruction, the generated cancellation confirmation page can be returned to the user terminal. Users can view the cancellation-related content on the cancellation confirmation page and confirm the final cancellation operation.

[0060] For example, Figure 5 What is shown is the policy cancellation confirmation page generated based on the policy cancellation inquiry results.

[0061] In this embodiment, the cancellation inquiry processing of the policy cancellation inquiry interface of the savings protection project is called in an asynchronous manner. This can be performed after receiving the cancellation request of the savings protection project submitted by the user terminal, or after determining the prediction parameters for the policy cancellation inquiry prediction according to the project type of the savings protection project, or when the policy cancellation inquiry prediction is performed based on the prediction model, which is not limited in this embodiment.

[0062] After that, after receiving the cancellation instruction submitted by the user terminal on the cancellation confirmation page, the cancellation process of the savings protection item can be carried out, and the corresponding cancellation funds will be transferred to the user account according to the cancellation amount displayed on the cancellation confirmation page. In the process of returning the cancellation funds to the user, the corresponding cancellation amount can be transferred from the protection account and transferred to the user account. A request can also be submitted to the protection agency, and the protection agency will directly transfer the corresponding cancellation amount to the user account.

[0063] In actual applications, if the user interacts on the policy cancellation interaction page many times or stays on the policy cancellation interaction page for a long time, the policy cancellation confirmation page can be directly returned to the user after receiving the user's triggering of the policy cancellation inquiry question, or detecting that the user submits a question containing inquiry keywords, or the user triggers the policy cancellation control.

[0064] In another optional implementation manner provided by this embodiment, in response to a policy surrender request, after the policy surrender inquiry interface of the savings protection item is called in an asynchronous manner to perform policy surrender inquiry processing, and a policy surrender confirmation page is generated based on the policy surrender inquiry result returned by the interface call, and before the policy surrender confirmation page is returned to the user terminal after receiving the policy surrender confirmation instruction, the method further includes: If the policy cancellation inquiry question in the interactive question is triggered, or if it is detected that the question information submitted by the user terminal contains the inquiry keyword, or if a policy cancellation instruction generated by the policy cancellation control is received, the following operations are performed: Check whether the result of the policy refund inquiry interface call is returned; If yes, generate a cancellation confirmation page based on the cancellation inquiry result returned by the interface call, and return the cancellation confirmation page to the user terminal after receiving the cancellation confirmation instruction; If not, a processing page carrying the surrender loss interval is generated and returned to the user terminal.

[0065] For example, when a user is operating on the surrender interaction page, the surrender inquiry interface can be asynchronously called to request the insurance company to return the surrender amount and surrender loss of the user's savings protection project. If the interface call takes 30 seconds, and the user's operation time on the interactive page exceeds 30 seconds, and the user has not selected or asked questions involving the surrender amount or loss estimate on the surrender interaction page, at this time, first check whether the interface call result of the surrender inquiry interface is returned. If the test result is returned, then when it is detected that the surrender inquiry question in the interactive question is triggered, or when it is detected that the question submitted by the user terminal is After the inquiry keyword is included in the title information, or after receiving the surrender instruction generated by triggering the surrender control, the surrender confirmation page can be directly generated based on the surrender inquiry result returned by the interface call, and the surrender confirmation page can be returned to the user terminal after receiving the surrender confirmation instruction; if the detection result is not returned, that is, the surrender confirmation page cannot be generated based on the surrender inquiry result returned by the interface call, then a processing page carrying the surrender loss range is still generated and returned to the user terminal. In this case, the surrender loss range can be calculated based on the value calculation rules of the savings protection project, or predicted based on prediction parameters and prediction models.

[0066] In summary, the present embodiment provides a project processing method. First, the user terminal generates a cancellation request for the savings protection project and submits it. According to the cancellation request submitted by the user terminal, on the one hand, a cancellation interaction page is generated and returned to the user terminal, and on the other hand, a cancellation confirmation page is asynchronously loaded. The user terminal receives and displays the cancellation interaction page, so that the user can ask questions and understand the cancellation-related information on the cancellation interaction page. When the user triggers the cancellation inquiry question in the interactive question or asks a question containing an inquiry keyword on the cancellation interaction page, if the processing agency stores the value calculation rule of the savings protection project, the cancellation loss calculation is performed according to the protection user data and the policy data to obtain the cancellation loss range; if the processing agency does not store ... The value calculation rules of the protection project can be determined according to the project type of the savings protection project, and the prediction parameters for the policy cancellation inquiry prediction can be determined in the protection user data and policy data, and the prediction parameters can be input into the prediction model corresponding to the project type to perform the policy cancellation inquiry prediction, and the predicted policy cancellation loss range can be obtained. The obtained policy cancellation loss range is returned to the user terminal so that the user can obtain the policy cancellation loss prediction. The user can determine whether to further process the policy cancellation based on the policy cancellation loss range. If so, the policy cancellation confirmation page can be returned to the user, and the policy cancellation can be processed through the policy cancellation instruction submitted by the user on the policy cancellation confirmation page submitted by the user terminal. Based on this, through asynchronous means, the user can perceive the policy cancellation loss in advance and avoid the problem of long loading time of the policy cancellation inquiry page.

[0067] The implementation process of one project processing method provided above can be executed by a server, and the implementation process of another project processing method provided in the following method embodiment can be executed by a user terminal. The two can cooperate with each other during the execution process. Therefore, when reading the above implementation process, you can refer to the corresponding content of the following another project processing method embodiment. Correspondingly, when reading the following another project processing method embodiment, you can also refer to the corresponding content of the above method embodiment.

[0068] The following takes the application of an item processing method provided in this embodiment in a policy cancellation scenario as an example. Figure 6 , the project processing method provided in this embodiment is further described, see Figure 6 , the project processing method applied to the policy cancellation scenario specifically includes the following steps.

[0069] Step S606: Generate a surrender interaction page based on the surrender request of the savings protection item.

[0070] Step S608: Return the policy cancellation interaction page to the user terminal.

[0071] Step S614, receiving the interactive question submitted by the user terminal, and inputting the interactive question into the large language model to answer and obtain the interactive answer.

[0072] Step S616: Return the interactive answer to the user terminal.

[0073] Step S622: If it is detected that the policy cancellation inquiry question is triggered or the submitted question information contains inquiry keywords, each prediction parameter type is read from the prediction parameter table of the project type of the savings protection project.

[0074] Step S624, query the prediction parameters corresponding to each prediction parameter type in the insured user data and policy data.

[0075] Step S626, input the prediction parameters into the prediction model corresponding to the project type of the savings protection project to perform surrender inquiry prediction, and obtain the surrender loss range of the savings protection project.

[0076] Step S628, generate and return a processing page carrying the surrender loss interval.

[0077] Step S636: Generate a cancellation confirmation page based on the cancellation inquiry result returned by the interface call.

[0078] It should be noted that the process of processing the policy cancellation inquiry in steps S622 to S626 and the generation of the policy cancellation confirmation page based on the policy cancellation inquiry result returned by the interface call in step S636 are asynchronous.

[0079] Step S638, returning the cancellation confirmation page to the user terminal.

[0080] Step S644: Perform a policy cancellation process based on the policy cancellation instruction submitted by the user terminal and transfer the corresponding policy cancellation funds to the user account.

[0081] The above steps S606 to S608, steps S614 to S616, steps S622 to S628, steps S636 to S638, and step S644 provided in this embodiment are executed by the server. It should be noted that the above steps S606 to S608, steps S614 to S616, steps S622 to S628, steps S636 to S638, and step S644 executed by the server are the same as step S602 referred to as step S604, steps S610 to S612, steps S618 to S620, and step S636 executed by the user terminal in the following embodiment. 0 to step S634, step S640 to step S642, can cooperate with each other during the execution process. Therefore, when reading this embodiment, please refer to the corresponding contents of step S602 provided in the following method embodiment, which refers to step S604, step S610 to step S612, step S618 to step S620, step S630 to step S634, and step S640 to step S642. When reading the following method embodiment, please refer to the corresponding contents of step S606 to step S608, step S614 to step S616, step S622 to step S628, step S636 to step S638, and step S644 provided in this embodiment.

[0082] It should be noted that any one of steps S606 to S608, steps S614 to S616, steps S622 to S628, steps S636 to S638, and step S644, or any combination of multiple steps, can be combined with any one of steps S202 to S206 or any combination of multiple steps to form a new implementation method according to the needs of implementation deployment; in addition, steps S606 to S608, steps S614 to S616, steps S622 to S628, steps S636 to S638, and step S644 can be combined with any one of steps S202 to S206 or any combination of multiple steps to form a new implementation method according to the needs of actual deployment. In step S644, any one or more technical features are selected and combined with any one or more technical features provided in the above steps S202 to S206 to form a new implementation method; alternatively, any one or more technical features in steps S606 to S608, steps S614 to S616, steps S622 to S628, steps S636 to S638, and step S644 can also be replaced with any one or more technical features provided in the above steps S202 to S206 to form a new implementation method according to actual deployment needs, which will not be described one by one here.

[0083] One or more embodiments of another project processing method provided in this specification are as follows: Reference Figure 7 The project processing method provided in this embodiment can be applied to a user terminal, and specifically includes steps S702 to S706.

[0084] Step S702: Generate a cancellation request for the savings protection item and submit it to the server.

[0085] The savings protection project described in this embodiment refers to a project that combines savings and protection functions, providing users with fund accumulation while providing certain protection. On the one hand, users can pay premiums regularly, and part of the premiums paid can be deposited into the user's savings account, and the user can choose to withdraw this part of the funds after a certain period of time. On the other hand, if an agreed risk event occurs during the protection period, the user can obtain the corresponding funds paid by the insurance company in accordance with the agreement; There may be multiple types of savings protection projects, including savings protection projects of the savings type, dividend-type savings protection projects, floating-income type savings protection projects, etc.

[0086] In actual applications, after joining a savings protection project, users can choose to withdraw from the savings protection project. The user's withdrawal from the savings protection project is called policy withdrawal. For savings protection projects, after the user submits a policy withdrawal, a certain amount of funds must be returned to the user. Specifically, the process of calculating the funds to be returned to the user is called policy withdrawal inquiry.

[0087] After the user chooses to withdraw from the savings protection program, he or she may submit a withdrawal request, which refers to the user's request to the insurance company to withdraw from the savings protection program; the withdrawal interaction page refers to the user page that interacts with the user during the withdrawal process.

[0088] In specific implementation, during the cancellation process, a cancellation request for the savings protection item can be generated and submitted to the server. Here, after submitting the cancellation request, the server can generate a cancellation interaction page in response to the submitted cancellation request, and return the generated cancellation interaction page. Correspondingly, the cancellation interaction page returned by the server is received.

[0089] Step S704, displaying the policy cancellation interaction page of the savings protection item returned by the server.

[0090] In specific implementation, after the server generates a cancellation interaction page according to the cancellation request, it returns the generated cancellation interaction page. Accordingly, the cancellation interaction page returned by the server is obtained and displayed.

[0091] Specifically, in the process of generating the policy cancellation interactive page, in order to improve the response speed and efficiency of the interaction process, a processing module specifically used for interaction during the policy cancellation process of the insurance project can also be configured. For example, the interaction can be processed through an interactive robot. Here, the generation of the policy cancellation interactive page can also be performed by the interactive robot.

[0092] Optionally, the method is applied to an interactive robot that performs interactive processing of policy cancellation for protection items; the policy cancellation interactive page includes a policy cancellation interactive page for savings protection items generated by the interactive robot.

[0093] Among them, the policy cancellation interaction page may include any one or more elements of interactive questions, question-and-answer interactive controls and / or policy cancellation controls; specifically, the policy cancellation interaction page may include interactive questions, which may be pre-set to guide users to understand the policy cancellation process and related information; the policy cancellation interaction page may also include question-and-answer interactive controls, so that users can input policy cancellation-related questions and obtain corresponding feedback and answers; the policy cancellation interaction page may also include policy cancellation controls, so that users can perform specific policy cancellation operations; optionally, the policy cancellation interaction page includes interactive questions, question-and-answer interactive controls and / or policy cancellation controls.

[0094] During the specific execution process, after generating and returning the policy cancellation interaction page, the server may display the received policy cancellation interaction page, so that the user can understand the policy cancellation related process and information on the policy cancellation interaction page; in order to improve the efficiency of policy cancellation processing and provide users with more accurate and detailed answers to policy cancellation related questions, an optional implementation manner provided by this embodiment further includes: Obtain interactive questions input through the question-and-answer interactive control and submit them to the server; The interactive answer returned by the server is displayed in the question-and-answer interactive control.

[0095] Specifically, users can input the interactive questions they want to know through the question-and-answer interactive control on the policy cancellation interactive page. These interactive questions may include the specific process of policy cancellation, required materials, estimated policy cancellation amount, etc. The interactive questions submitted by users will be sent to the server, which receives and parses these interactive questions, and then inputs the interactive questions into the large language model. The large language model can analyze the user's interactive questions and generate corresponding interactive answers. The server returns the generated interactive answers. After receiving the interactive answers returned by the server, they are displayed in the question-and-answer interactive control on the policy cancellation interactive page, so that users can further understand the relevant information about policy cancellation based on the interactive answers.

[0096] Optionally, the interactive answer is obtained by inputting the interactive question into a large language model for answering.

[0097] During the specific implementation process, in order to improve the accuracy of the surrender result and enable the user to obtain relatively accurate surrender loss information, the server generates a surrender interaction page and returns it. It can first detect whether the processing agency has a directly usable value calculation rule to calculate the surrender loss; in an optional implementation provided by this embodiment, according to the surrender request of the savings protection project submitted by the user terminal, after the surrender interaction page is generated and returned to the user terminal, and according to the project type of the savings protection project, before determining the prediction parameters for surrender inquiry prediction in the protection user data and the policy data, it also includes: Check whether the processing agency has stored the value calculation rules of the savings guarantee project; If not, the step of determining prediction parameters for policy cancellation inquiry prediction in the protection user data and policy data is performed according to the project type of the savings protection project.

[0098] Among them, the value calculation rules refer to the predefined rules used to calculate the policy cash value and / or surrender loss in the savings protection project. The value calculation rules can be used to calculate the precise surrender loss range, which is the actual surrender loss returned to the user.

[0099] Specifically, after the surrender interaction page is generated, it can be first detected whether the processing agency has stored the value calculation rules of the savings protection project. If the detection result is that the processing agency has not stored the value calculation rules of the savings protection project, it means that the pre-stored calculation rules cannot be directly used to accurately calculate the surrender loss of the savings protection project. It is necessary to determine the prediction parameters for surrender inquiry prediction according to the project type of the savings protection project, and further obtain the surrender loss range; On the other hand, if the detection result shows that the processing institution has stored the value calculation rules of the savings protection project, it means that these pre-stored calculation rules can be used to accurately calculate the surrender loss of the savings protection project. In this case, the following optional implementation method can be used to obtain the specific surrender loss range: In an optional implementation manner provided by this embodiment, if the result of checking whether the processing mechanism stores the value calculation rules of the savings protection item is yes, the following operations are performed: Based on the insured user data and policy data, query the surrender calculation parameters in the value calculation rules; The surrender calculation parameters are input into the surrender loss algorithm to calculate the surrender loss and obtain the surrender loss range.

[0100] Specifically, if the detection result is that the processing agency has stored the value calculation rules of the savings protection project, first, the protection user data and policy data can be extracted from the user's cancellation request, and then the cancellation calculation parameters can be queried in the value calculation rules based on the protection user data and policy data. The cancellation calculation parameters can be as shown in Table 3 below; then, the specific values ​​and calculation methods related to these cancellation calculation parameters can be extracted from the pre-stored value calculation rules, and these cancellation calculation parameters can be input into the cancellation loss algorithm to calculate the cancellation loss, thereby obtaining the cancellation loss range.

[0101]

[0102] Table 3 Furthermore, in order to enable the user to understand the scope of financial losses that may be faced when surrendering the policy and provide reference information for the user to evaluate the impact of surrender, when calculating the losses that the user may face when surrendering the policy based on the user's policy data and surrender calculation parameters, a clear surrender loss range can be provided to the user; in an optional implementation manner provided in this embodiment, the surrender loss calculation includes: Calculate the first loss amount of the cumulative insured amount and the policy value of the current protection period, and calculate the second loss amount of the cumulative insured amount and the policy value of the previous protection period; Calculate the ratio of the first loss amount and the second loss amount to the cumulative insured amount as the upper and lower limits of the loss in the surrender loss range.

[0103] In this process, the difference between the cumulative insured amount and the policy value of the current protection period is first calculated as the first loss amount, and the difference between the cumulative insured amount and the policy value of the previous protection period is calculated as the second loss amount. Then, the ratio of the first loss amount to the cumulative insured amount is used as the upper limit of the loss of the surrender loss range, and the ratio of the second loss amount to the cumulative insured amount is used as the lower limit of the loss of the surrender loss range, so as to determine a specific surrender loss range.

[0104] For example, a user purchases insurance on x / x / 2021 and cancels the policy on x / x / 2024. Based on the policy data such as the insured's date of birth, user type, payment method, payment period, product collection period, and start collection period under the user's policy, the current policy year is 4. The current price value ratio at the end of the 3rd policy year and the cash value ratio of the 4th policy year can be obtained. The cancellation loss ratio x1 and x2 are calculated respectively through the cancellation loss ratio = (cumulative investment - policy current price) / cumulative investment. The cancellation loss ratio x1 can be used as the lower limit of the cancellation loss range, and the cancellation loss ratio x2 can be used as the upper limit of the cancellation loss range. The user's cancellation loss is in the interval [x1, x2].

[0105] In addition, after the server generates the cancellation interaction page and returns, the user can also set a required options page or a required options pop-up window before or after entering the cancellation interaction page, and display the required options page or the required options pop-up window. The required options page or the required options pop-up window can be configured with required options for cancellation-related questions, such as the reason for cancellation, user needs, etc., or required options may not be configured, but cancellation-related questions may be set. Users can fill in or select according to their personal circumstances. Through this interactive question-and-answer mechanism, the user's needs can be better understood, so that targeted cancellation interaction page content can be provided according to user choices.

[0106] Step S706, obtaining and displaying the surrender loss range obtained by performing surrender quotation prediction returned by the server.

[0107] In actual applications, after joining a savings protection project, users can choose to withdraw from the savings protection project. After the user requests a cancellation of the policy, a certain amount of funds must be returned to the user. The process of calculating the funds to be returned to the user and the user’s possible losses is called a cancellation inquiry.

[0108] As mentioned above, there are three types of project types for savings protection projects. In the process of forecasting policy cancellation inquiries, the forecasting parameters required for savings protection projects of different project types may be different. Here, the corresponding forecasting parameters can be determined according to the project type of the savings protection project based on the insured user data and policy data, so as to conduct further policy cancellation inquiry forecasts.

[0109] During the specific implementation process, in order to improve the accuracy of the surrender inquiry prediction results and improve the flexibility and adaptability of the surrender inquiry prediction process, appropriate prediction parameters can be selected according to different project types of savings protection projects; in an optional implementation provided by this embodiment, according to the project type of the savings protection project, the prediction parameters for the surrender inquiry prediction are determined in the protection user data and the policy data, including: Read each forecast parameter type in the forecast parameter table of the project type; Query the prediction parameters corresponding to each prediction parameter type in the insured user data and policy data.

[0110] Among them, the prediction parameter type is a parameter type pre-defined according to the type and content of the savings protection project, which may include the policy year, insured person's date of birth, user type, payment frequency, payment period, collection period and / or start period for collection, etc.

[0111] Specifically, in the process of determining the prediction parameters for the policy surrender inquiry prediction, first, each prediction parameter type can be read from the prediction parameter table corresponding to the project type of the savings protection project, and then the prediction parameters corresponding to each prediction parameter type can be queried in the protection user data and policy data, and the policy surrender inquiry prediction can be performed based on the queried prediction parameters.

[0112] For example, refer to the prediction parameter table of savings protection items of the savings type shown in Table 4. In the prediction parameter table, specific prediction parameters corresponding to each prediction parameter type such as policy year, user type, payment frequency, payment period, collection period, start collection period, and surrender loss range can be queried. The queried prediction parameters are input into the corresponding prediction model to perform surrender inquiry prediction.

[0113]

[0114] Table 4 Optionally, the policy surrender inquiry prediction is performed by inputting prediction parameters determined in the user data and policy data of the insured user into a prediction model corresponding to the project type of the savings protection project.

[0115] The prediction model is used to predict the amount and loss that the user may obtain when canceling the insurance based on the user's protected user data and policy data, combined with the specific project type and value calculation rules of the savings protection project; corresponding models can be set for different project types of savings protection projects, for example, different models can be trained when the prediction parameters are different, and the same model can be used when the prediction parameters are relatively similar; the input of the prediction model can be the prediction parameters determined from the protected user data and policy data according to the project type of the savings protection project, and the output is the cancellation loss range, which includes the upper limit and lower limit of the loss.

[0116] During the specific implementation, taking into account that different savings protection projects may have different calculation rules, in order to improve the accuracy of the prediction, the server can first determine the corresponding prediction model according to the project type of the savings protection project to match the prediction model with the specific savings protection project. Secondly, the prediction parameters queried from the protection user data and policy data are input into the corresponding prediction model to perform surrender inquiry prediction, and obtain the estimated surrender loss range. The server returns the estimated surrender loss range, and accordingly, obtains the surrender loss range obtained by the surrender inquiry prediction returned by the server and displays it, so that the user can understand the surrender loss that may be faced when surrendering the policy.

[0117] During the specific implementation process, when the user triggers the surrender inquiry question in the surrender interaction page or submits a question containing inquiry keywords in the surrender interaction page, a surrender inquiry prediction can be performed, and the predicted surrender loss range can be returned to the user terminal, so as to promptly respond to the user's inquiry demand and provide the user with an immediate surrender loss estimate; an optional implementation manner provided in this embodiment also includes: Receive and display the processing page with the loss range of policy cancellation returned by the server; After the policy cancellation control configured on the processing page is triggered, a policy cancellation confirmation instruction is generated and submitted to the server.

[0118] Specifically, when a user clicks or selects a specific question related to the policy cancellation inquiry among the interactive questions on the policy cancellation interaction page, the user's triggering action can be identified, and a corresponding instruction can be generated based on the user's triggering action and submitted to the server. After the server receives the submitted triggering instruction, it can start the policy cancellation inquiry prediction process; or, when it is detected that the user submits question information containing inquiry or keywords with similar meanings to inquiry in the question-and-answer interaction control of the policy cancellation interaction page, the policy cancellation inquiry prediction can also be triggered; accordingly, after making the policy cancellation inquiry prediction, the server can return the obtained policy cancellation loss range, and after receiving the policy cancellation loss range returned by the server, it can be displayed in the question-and-answer interaction control on the policy cancellation interaction page; the pop-up window or page containing the policy cancellation loss range returned by the server is obtained and displayed.

[0119] For example, Figure 3 As shown, the policy cancellation interaction page may include a question-and-answer interaction control 301, a policy cancellation control 302 and / or interactive questions 303-1, 303-2, 303-3, etc. The user may directly select what he wants to know based on the displayed interactive questions, or may click the question button in the question-and-answer interaction control to input questions.

[0120] In actual applications, when users are interacting on the policy cancellation interaction page, if the question selected or entered by the user does not involve the policy cancellation amount or loss estimate, or if the user directly triggers the policy cancellation control to choose to cancel the policy after entering the policy cancellation interaction page, in order to enable the user to understand the possible financial losses that may be faced by the policy cancellation, a policy cancellation inquiry prediction can also be performed, and the policy cancellation range can be returned to the user after the user triggers the policy cancellation control.

[0121] In an optional implementation manner provided by this embodiment, the determination of the prediction parameters and the prediction of the policy surrender quotation are performed after receiving the policy surrender instruction generated by triggering the policy surrender control.

[0122] Specifically, when the user does not select or ask questions related to the surrender amount or loss estimate in the surrender interaction page, but selects or asks general questions about the surrender process and triggers the surrender control afterwards; or, the user does not conduct interactive Q&A in the surrender interaction page, but directly triggers the surrender control, a surrender inquiry prediction can be made after the user triggers the surrender control and the processing page with the surrender loss range can be returned. Accordingly, after receiving the processing page returned by the server, the processing page with the surrender loss range can be displayed to the user before the final surrender confirmation page is displayed, so that the user can understand the surrender loss range and confirm whether to continue with the surrender.

[0123] For example, when a user clicks Figure 3 After the surrender control 302 is activated, a surrender inquiry prediction can be performed based on the surrender instruction received to trigger the surrender control. Accordingly, the following can be generated: Figure 4 The pop-up window 401 showing the surrender loss interval or the processing page for generating the surrender loss interval is returned to the user terminal to show the predicted surrender loss interval to the user.

[0124] During the specific implementation process, in order to avoid users waiting too long when accessing the cancellation confirmation page, after receiving the cancellation request for the savings protection project submitted by the user terminal, on the one hand, interactive questions and answers are conducted with the customer and the cancellation loss is estimated, and on the other hand, the cancellation confirmation page is loaded asynchronously, so that the user can perceive the cancellation loss in advance and the problem of long loading time of the cancellation inquiry page is avoided; an optional implementation method provided by this embodiment also includes: receiving and displaying the cancellation confirmation page generated based on the cancellation inquiry result returned by the server.

[0125] Optionally, the policy cancellation inquiry result is obtained by calling the policy cancellation inquiry interface of the savings protection item in an asynchronous manner to perform policy cancellation inquiry processing.

[0126] Specifically, in response to the submitted surrender request, the server may asynchronously call the surrender inquiry interface of the savings protection project to process the surrender inquiry, that is, on the one hand, it will not wait for the response result of the surrender inquiry interface, but first return a surrender interaction page to the user terminal, so that the user can continue to browse or perform other operations while waiting for the surrender confirmation page, and on the other hand, the surrender inquiry interface is asynchronously called, and the interface can obtain the specific surrender amount and related fee information of the savings protection project from the insurance company; When the policy cancellation inquiry interface returns the policy cancellation inquiry result, a policy cancellation confirmation page can be generated based on the policy cancellation inquiry result. The policy cancellation confirmation page can contain detailed policy cancellation information to help users understand the specific circumstances of the policy cancellation more comprehensively. Users can perform further operations on the policy cancellation interaction page. After receiving the user's policy cancellation confirmation instruction, the server can return the generated policy cancellation confirmation page. Accordingly, the policy cancellation confirmation page returned by the server is received and displayed, so that users can view the policy cancellation-related content on the policy cancellation confirmation page and confirm the final policy cancellation operation.

[0127] For example, Figure 5 What is shown is the policy cancellation confirmation page generated based on the policy cancellation inquiry results.

[0128] In this embodiment, the cancellation inquiry processing of the policy cancellation inquiry interface of the savings protection project is called in an asynchronous manner. This can be performed after receiving the cancellation request of the savings protection project submitted by the user terminal, or after determining the prediction parameters for the policy cancellation inquiry prediction according to the project type of the savings protection project, or when the policy cancellation inquiry prediction is performed based on the prediction model, which is not limited in this embodiment.

[0129] After that, after receiving the cancellation instruction submitted by the user terminal on the cancellation confirmation page, the cancellation process of the savings protection item can be carried out, and the corresponding cancellation funds will be transferred to the user account according to the cancellation amount displayed on the cancellation confirmation page. In the process of returning the cancellation funds to the user, the corresponding cancellation amount can be transferred from the protection account and transferred to the user account. A request can also be submitted to the protection agency, and the protection agency will directly transfer the corresponding cancellation amount to the user account.

[0130] In actual applications, if the user interacts on the policy cancellation interaction page many times or stays on the policy cancellation interaction page for a long time, the policy cancellation confirmation page can be directly returned to the user after receiving the user's triggering of the policy cancellation inquiry question, or detecting that the user submits a question containing inquiry keywords, or the user triggers the policy cancellation control.

[0131] In another optional implementation manner provided by this embodiment, in response to a policy surrender request, after the policy surrender inquiry interface of the savings protection item is called in an asynchronous manner to perform policy surrender inquiry processing, and a policy surrender confirmation page is generated based on the policy surrender inquiry result returned by the interface call, and before the policy surrender confirmation page is returned to the user terminal after receiving the policy surrender confirmation instruction, the method further includes: If the policy cancellation inquiry question in the interactive question is triggered, or if it is detected that the question information submitted by the user terminal contains the inquiry keyword, or if a policy cancellation instruction generated by the policy cancellation control is received, the following operations are performed: Check whether the result of the policy refund inquiry interface call is returned; If yes, generate a cancellation confirmation page based on the cancellation inquiry result returned by the interface call, and return the cancellation confirmation page to the user terminal after receiving the cancellation confirmation instruction; If not, a processing page carrying the surrender loss interval is generated and returned to the user terminal.

[0132] For example, when a user is operating on the surrender interaction page, the surrender inquiry interface can be asynchronously called to request the insurance company to return the surrender amount and surrender loss of the user's savings protection project. If the interface call takes 30 seconds, and the user's operation time on the interactive page exceeds 30 seconds, and the user has not selected or asked questions involving the surrender amount or loss estimate on the surrender interaction page, at this time, first check whether the interface call result of the surrender inquiry interface is returned. If the test result is returned, then when it is detected that the surrender inquiry question in the interactive question is triggered, or when it is detected that the question submitted by the user terminal is After the inquiry keyword is included in the title information, or after receiving the surrender instruction generated by triggering the surrender control, the surrender confirmation page can be directly generated based on the surrender inquiry result returned by the interface call, and the surrender confirmation page can be returned to the user terminal after receiving the surrender confirmation instruction; if the detection result is not returned, that is, the surrender confirmation page cannot be generated based on the surrender inquiry result returned by the interface call, then a processing page carrying the surrender loss range is still generated and returned to the user terminal. In this case, the surrender loss range can be calculated based on the value calculation rules of the savings protection project, or predicted based on prediction parameters and prediction models.

[0133] In summary, the project processing method provided in this embodiment first generates a cancellation request for a savings protection project and submits it to a server. The server generates a cancellation interaction page based on the cancellation request in an asynchronous manner and returns it to the user terminal. On the other hand, it loads a cancellation confirmation page, receives the cancellation interaction page returned by the server and displays it, so that the user can ask questions and understand cancellation-related information on the cancellation interaction page. When the user triggers a cancellation inquiry question in the interactive question or asks a question containing an inquiry keyword on the cancellation interaction page, the server sends a corresponding request to the server. The server detects whether the processing agency stores the value calculation rule of the savings protection project. If the processing agency stores the value calculation rule of the savings protection project, the cancellation loss calculation is performed according to the insured user data and the policy data. , to obtain the surrender loss range; if the processing agency does not store the value calculation rules of the savings protection project, it can determine the prediction parameters for surrender inquiry prediction in the protection user data and policy data according to the project type of the savings protection project, and input the prediction parameters into the prediction model corresponding to the project type to perform surrender inquiry prediction, obtain the predicted surrender loss range, receive and display the surrender loss range returned by the server, so that the user can obtain the surrender loss prediction, and the user can determine whether to further handle the surrender according to the surrender loss range. If so, the surrender confirmation page can be returned to the user, and the surrender instruction submitted by the user on the surrender confirmation page can be sent to the server for surrender processing; based on this, through asynchronous means, the user can perceive the surrender loss in advance and avoid the problem of long page loading time for surrender inquiry.

[0134] The following takes the application of an item processing method provided in this embodiment in a policy cancellation scenario as an example. Figure 6 , the project processing method provided in this embodiment is further described, see Figure 6 , the project processing method applied to the policy cancellation scenario specifically includes the following steps.

[0135] Step S602: Generate a policy cancellation request for the savings protection item.

[0136] Step S604: submit a request for cancellation of the savings protection item to the server.

[0137] Step S610, receiving the policy cancellation interaction page returned by the server, and obtaining the interaction questions input through the question and answer interaction control in the policy cancellation interaction page.

[0138] Step S612: Submit the interactive question to the server.

[0139] Step S618, receiving the interactive answer returned by the server and displaying the interactive answer.

[0140] Step S620: when a question triggering the policy surrender inquiry or question information input by the user is received, an instruction generated based on the question triggering the policy surrender inquiry or the question information input by the user is submitted to the server.

[0141] Step S630: obtain the processing page of the loss range of the policy cancellation returned by the server and display it.

[0142] Step S632: Generate a cancellation confirmation instruction when it is detected that the cancellation control configured on the processing page is triggered.

[0143] Step S634, submitting a cancellation confirmation instruction to the server.

[0144] Step S640: Receive and display the cancellation confirmation page returned by the server.

[0145] Step S642: After receiving the user's confirmation of policy cancellation on the policy cancellation confirmation page, submit a policy cancellation instruction to the server.

[0146] It should be noted that any one of steps S602 to S604, steps S610 to S612, steps S618 to S620, steps S630 to S634, and steps S640 to S642, or any combination of multiple steps, can be combined with any one of steps S702 to S706 to form a new implementation method according to the needs of implementation deployment; in addition, steps S602 to S604, steps S610 to S612, steps S618 to S620, steps S630 to S634, and steps S640 to S642 can be combined with any one of steps S702 to S706 to form a new implementation method according to the needs of actual deployment. 40 to step S642, select any one or more technical features, and combine them with any one or more technical features provided by the above steps S702 to step S706 to form a new implementation method; or, any one or more technical features in steps S602 to step S604, steps S610 to step S612, steps S618 to step S620, steps S630 to step S634, and steps S640 to step S642 can also be replaced by any one or more technical features provided by the above steps S702 to step S706 to form a new implementation method according to the needs of actual deployment, which will not be described one by one here.

[0147] An embodiment of a project processing device provided in this specification is as follows: In the above-mentioned embodiment, a project processing method is provided, and correspondingly, a project processing device is also provided, which is described below with reference to the accompanying drawings.

[0148] Reference Figure 8 , which shows a schematic diagram of a project device embodiment provided in this embodiment.

[0149] Since the device embodiment corresponds to the method embodiment, the description is relatively simple, and the relevant parts can refer to the corresponding description of the method embodiment provided above. The device embodiment described below is only illustrative.

[0150] This embodiment provides a project processing device, the device comprising: The page return module 802 is configured to generate a surrender interaction page according to a surrender request for a savings protection item submitted by a user terminal and return the page to the user terminal; The parameter determination module 804 is configured to determine the prediction parameters for performing the surrender inquiry prediction in the protection user data and the policy data according to the project type of the savings protection project; The prediction module 806 is configured to input the prediction parameters into the prediction model corresponding to the project type to perform surrender inquiry prediction, obtain the surrender loss range and return it to the user terminal.

[0151] Another project processing device embodiment provided in this specification is as follows: In the above-mentioned embodiment, another project processing method is provided, and correspondingly, another project processing device is also provided, which is described below with reference to the accompanying drawings.

[0152] Reference Fig. 9 , which shows a schematic diagram of another project processing device embodiment provided by this embodiment.

[0153] Since the device embodiment corresponds to the method embodiment, the description is relatively simple, and the relevant parts can refer to the corresponding description of the method embodiment provided above. The device embodiment described below is only illustrative.

[0154] This embodiment provides a project processing device, the device comprising: A request submission module 902, configured to generate a policy cancellation request for a savings protection item and submit it to a server; A page display module 904, configured to display the policy cancellation interaction page of the savings protection item returned by the server; The loss display module 906 is configured to obtain and display the surrender loss range obtained by the surrender quotation prediction returned by the server; the surrender quotation prediction is performed by inputting the prediction parameters determined in the user data and policy data of the insured user into the prediction model corresponding to the project type of the savings protection project.

[0155] An example of a project processing device provided in this specification is as follows: Corresponding to the project processing method described above, based on the same technical concept, one or more embodiments of this specification further provide a project processing device, which is used to execute the project processing method provided above. Fig.10 A schematic diagram of the structure of a project processing device provided for one or more embodiments of this specification.

[0156] This embodiment provides a project processing device, including: like Fig.10 As shown, the project processing device may have relatively large differences due to different configurations or performances, and may include one or more processors 1001 and memory 1002, and the memory 1002 may store one or more storage applications or data. Among them, the memory 1002 may be a short-term storage or a persistent storage. The application stored in the memory 1002 may include one or more modules (not shown in the figure), and each module may include a series of computer executable instructions in the project processing device. Furthermore, the processor 1001 may be configured to communicate with the memory 1002 and execute a series of computer executable instructions in the memory 1002 on the project processing device. The project processing device may also include one or more power supplies 1003, one or more wired or wireless network interfaces 1004, one or more input / output interfaces 1005, one or more keyboards 1006, etc.

[0157] In a specific embodiment, the project processing device includes a memory and one or more programs, wherein the one or more programs are stored in the memory, and the one or more programs may include one or more modules, and each module may include a series of computer executable instructions for the project processing device, and the one or more programs are configured to be executed by one or more processors, including computer executable instructions for performing the following: Generate a policy surrender interactive page based on a policy surrender request for a savings protection item submitted by a user terminal and return it to the user terminal; According to the project type of the savings protection project, determining prediction parameters for performing surrender inquiry prediction in the protection user data and policy data; The prediction parameters are input into the prediction model corresponding to the project type to perform surrender inquiry prediction, and the surrender loss interval is obtained and returned to the user terminal.

[0158] Another project processing device embodiment provided in this specification is as follows: Corresponding to the another project processing method described above, based on the same technical concept, one or more embodiments of this specification also provide another project processing device, which is used to execute the another project processing method provided above. Fig.11 A schematic diagram of the structure of a project processing device provided for one or more embodiments of this specification.

[0159] Another project processing device provided by this embodiment includes: like Fig.11 As shown, the project processing device may have relatively large differences due to different configurations or performances, and may include one or more processors 1101 and memory 1102, and the memory 1102 may store one or more storage applications or data. Among them, the memory 1102 may be a short-term storage or a persistent storage. The application stored in the memory 1102 may include one or more modules (not shown in the figure), and each module may include a series of computer executable instructions in the project processing device. Furthermore, the processor 1101 may be configured to communicate with the memory 1102 and execute a series of computer executable instructions in the memory 1102 on the project processing device. The project processing device may also include one or more power supplies 1103, one or more wired or wireless network interfaces 1104, one or more input / output interfaces 1105, one or more keyboards 1006, etc.

[0160] In a specific embodiment, the project processing device includes a memory and one or more programs, wherein the one or more programs are stored in the memory, and the one or more programs may include one or more modules, and each module may include a series of computer executable instructions for the project processing device, and the one or more programs are configured to be executed by one or more processors, including computer executable instructions for performing the following: Generate a refund request for the savings protection item and submit it to the server; Displaying the policy cancellation interaction page of the savings protection item returned by the server; The surrender loss range obtained by performing surrender quotation prediction returned by the server is obtained and displayed; the surrender quotation prediction is performed by inputting the prediction parameters determined in the user data and policy data of the insured user into the prediction model corresponding to the project type of the savings protection project.

[0161] An embodiment of a computer-readable storage medium provided in this specification is as follows: Corresponding to the project processing method described above, based on the same technical concept, one or more embodiments of this specification also provide a computer-readable storage medium.

[0162] The computer-readable storage medium provided in this embodiment is used to store computer-executable instructions, and the computer-executable instructions implement the following process when executed: Generate a policy surrender interactive page based on a policy surrender request for a savings protection item submitted by a user terminal and return it to the user terminal; According to the project type of the savings protection project, determining prediction parameters for performing surrender inquiry prediction in the protection user data and policy data; The prediction parameters are input into the prediction model corresponding to the project type to perform surrender inquiry prediction, and the surrender loss interval is obtained and returned to the user terminal.

[0163] It should be noted that an embodiment of a computer-readable storage medium in this specification and an embodiment of a network live broadcast processing method in this specification are based on the same inventive concept, so the specific implementation of this embodiment can refer to the implementation of the aforementioned corresponding method, and the repeated parts will not be repeated.

[0164] Another computer-readable storage medium embodiment provided in this specification is as follows: Corresponding to the other project processing method described above, based on the same technical concept, one or more embodiments of this specification also provide another computer-readable storage medium.

[0165] The computer-readable storage medium provided in this embodiment is used to store computer-executable instructions, and the computer-executable instructions implement the following process when executed: Generate a refund request for the savings protection item and submit it to the server; Displaying the policy cancellation interaction page of the savings protection item returned by the server; The surrender loss range obtained by performing surrender quotation prediction returned by the server is obtained and displayed; the surrender quotation prediction is performed by inputting the prediction parameters determined in the user data and policy data of the insured user into the prediction model corresponding to the project type of the savings protection project.

[0166] It should be noted that the embodiment of another computer-readable storage medium in this specification and the embodiment of another project processing method in this specification are based on the same inventive concept, so the specific implementation of this embodiment can refer to the implementation of the aforementioned corresponding method, and the repeated parts will not be repeated.

[0167] Each embodiment in this specification is described in a progressive manner, and the same or similar parts between the embodiments can be referenced to each other. Each embodiment focuses on the differences from other embodiments. For example, the device embodiment, equipment embodiment, and computer-readable storage medium embodiment are similar to the method embodiment, so the description is relatively simple. To read the relevant content in the device embodiment, equipment embodiment, and computer-readable storage medium embodiment, please refer to the partial description of the method embodiment.

[0168] The above is a description of a specific embodiment of the specification. Other embodiments are within the scope of the appended claims. In some cases, the actions or steps recorded in the claims can be performed in an order different from that in the embodiments and still achieve the desired results. In addition, the processes depicted in the drawings do not necessarily require the specific order or continuous order shown to achieve the desired results. In some embodiments, multitasking and parallel processing are also possible or may be advantageous.

[0169] In the 1930s, improvements to a technology could be clearly distinguished as hardware improvements (for example, improvements to circuit structures such as diodes, transistors, switches, etc.) or software improvements (improvements to method flows). However, with the development of technology, many of today's method flow improvements can be regarded as direct improvements to hardware circuit structures. Designers almost always obtain the corresponding hardware circuit structure by programming the improved method flow into the hardware circuit. Therefore, it cannot be said that an improvement in a method flow cannot be implemented using hardware entity modules. For example, a programmable logic device (PLD) (such as a field programmable gate array (FPGA)) is such an integrated circuit whose logical function is determined by the user's programming of the device. Designers can "integrate" a digital system on a PLD by programming it themselves, without having to ask chip manufacturers to design and produce dedicated integrated circuit chips. Moreover, nowadays, instead of manually making integrated circuit chips, this kind of programming is mostly implemented by "logic compiler" software, which is similar to the software compiler used when developing and writing programs, and the original code before compilation must also be written in a specific programming language, which is called hardware description language (HDL). There is not only one kind of HDL, but many kinds, such as ABEL (Advanced Boolean Expression Language), AHDL (Altera Hardware Description Language), Confluence, CUPL (Cornell University Programming Language), HDCal, JHDL (Java Hardware Description Language), Lava, Lola, MyHDL, PALASM, RHDL (Ruby Hardware Description Language), etc. The most commonly used ones are VHDL (Very-High-Speed ​​Integrated Circuit Hardware Description Language) and Verilog. Those skilled in the art should also know that it is only necessary to program the method flow slightly in the above-mentioned hardware description languages ​​and program it into the integrated circuit, and then it is easy to obtain the hardware circuit that implements the logic method flow.

[0170] The controller may be implemented in any suitable manner, for example, the controller may take the form of a microprocessor or processor and a computer-readable medium storing a computer-readable program code (e.g., software or firmware) executable by the (micro)processor, a logic gate, a switch, an application-specific integrated circuit (ASIC), a programmable logic controller, and an embedded microcontroller, examples of which include but are not limited to the following microcontrollers: ARC 625D, Atmel AT91SAM, Microchip PIC18F26K20, and Silicone Labs C8051F320, and the memory controller may also be implemented as part of the control logic of the memory. It is also known to those skilled in the art that, in addition to implementing the controller in a purely computer-readable program code manner, the controller may be implemented in the form of a logic gate, a switch, an application-specific integrated circuit, a programmable logic controller, and an embedded microcontroller by logically programming the method steps. Therefore, such a controller may be considered as a hardware component, and the devices for implementing various functions included therein may also be considered as structures within the hardware component. Or even, the devices for implementing various functions may be considered as both software modules for implementing the method and structures within the hardware component.

[0171] The systems, devices, modules or units described in the above embodiments may be implemented by computer chips or entities, or by products with certain functions. A typical implementation device is a computer. Specifically, the computer may be, for example, a personal computer, a laptop computer, a cellular phone, a camera phone, a smart phone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.

[0172] For the convenience of description, the above devices are described in terms of functions and are divided into various units. Of course, when implementing the embodiments of this specification, the functions of each unit can be implemented in the same or multiple software and / or hardware.

[0173] It should be understood by those skilled in the art that one or more embodiments of the present specification may be provided as a method, system or computer program product. Therefore, one or more embodiments of the present specification may take the form of a complete hardware embodiment, a complete software embodiment, or an embodiment combining software and hardware. Moreover, the present specification may take the form of a computer program product implemented on one or more computer-readable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0174] This specification is described with reference to the flowcharts and / or block diagrams of the methods, devices (systems), and computer program products according to the embodiments of this specification. It should be understood that each process and / or box in the flowchart and / or block diagram, as well as the combination of processes and / or boxes in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable network live broadcast processing device to produce a machine, so that the instructions executed by the processor of the computer or other programmable network live broadcast processing device generate instructions for implementing the processes in the process. Figure 1 A process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.

[0175] These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable network live broadcast processing device to work in a specific manner, so that the instructions stored in the computer-readable memory produce a manufactured product including an instruction device, which implements the process Figure 1 A process or multiple processes and / or boxes Figure 1 A function specified in one or more boxes.

[0176] These computer program instructions may also be loaded onto a computer or other programmable network live processing device so that a series of operating steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing instructions for executing on the computer or other programmable device to implement the process. Figure 1 A process or multiple processes and / or boxes Figure 1 The steps for the functions specified in one or more boxes.

[0177] In a typical configuration, a computing device includes one or more processors (CPU), input / output interfaces, network interfaces, and memory.

[0178] Memory may include non-permanent storage in a computer-readable medium, random access memory (RAM) and / or non-volatile memory in the form of read-only memory (ROM) or flash RAM. Memory is an example of a computer-readable medium.

[0179] Computer-readable media include permanent and non-permanent, removable and non-removable media that can be implemented by any method or technology to store information. Information can be computer-readable instructions, data structures, program modules or other data. Examples of computer-readable storage media include, but are not limited to, phase change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technology, compact disk read-only memory (CD-ROM), digital versatile disk (DVD) or other optical storage, magnetic cassettes, magnetic disk storage or other magnetic storage devices or any other non-transmission media that can be used to store information that can be accessed by a computing device. As defined herein, computer-readable media does not include transitory media such as modulated data signals and carrier waves.

[0180] It should also be noted that the terms "include", "comprises" or any other variations thereof are intended to cover non-exclusive inclusion, so that a process, method, commodity or device including a series of elements includes not only those elements, but also other elements not explicitly listed, or also includes elements inherent to such process, method, commodity or device. In the absence of further restrictions, the elements defined by the sentence "includes at least one ..." do not exclude the presence of other identical elements in the process, method, commodity or device including the elements.

[0181] One or more embodiments of the present specification may be described in the general context of computer-executable instructions executed by a computer, such as program modules. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform specific tasks or implement specific abstract data types. One or more embodiments of the present specification may also be practiced in distributed computing environments where tasks are performed by remote processing devices connected through a communication network. In a distributed computing environment, program modules may be located in local and remote computer storage media, including storage devices.

[0182] The above description is only an embodiment of this document and is not intended to limit this document. For those skilled in the art, this document may have various changes and variations. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of this document should be included in the scope of the claims of this document.

Claims

1. A project processing method, comprising: Generate a policy surrender interactive page based on a policy surrender request for a savings protection item submitted by a user terminal and return it to the user terminal; According to the project type of the savings protection project, determining prediction parameters for performing surrender inquiry prediction in the protection user data and policy data; The prediction parameters are input into the prediction model corresponding to the project type to perform surrender inquiry prediction, and the surrender loss interval is obtained and returned to the user terminal.

2. The project processing method according to claim 1, wherein the method is applied to an interactive robot that performs the interactive processing of the refund of the insurance project; The policy cancellation interaction page includes the policy cancellation interaction page of the savings protection item generated by the interactive robot.

3. The project processing method according to claim 1, after the step of generating a surrender interaction page and returning it to the user terminal according to the surrender request of the savings protection project submitted by the user terminal, and before the step of determining prediction parameters for surrender inquiry prediction in the protection user data and the policy data according to the project type of the savings protection project, further comprising: Detecting whether the processing institution stores the value calculation rules of the savings protection item; If not, the step of determining prediction parameters for policy cancellation inquiry prediction in the protection user data and policy data according to the project type of the savings protection project is executed.

4. The project processing method according to claim 3, if the result of the step of detecting whether the processing mechanism stores the value calculation rule of the savings protection project is yes, the following operations are performed: According to the insured user data and the policy data, querying the policy surrender calculation parameter in the value calculation rule; The surrender calculation parameters are input into a surrender loss algorithm to calculate the surrender loss, and the surrender loss interval is obtained.

5. According to the project processing method of claim 4, the calculation of surrender loss comprises: Calculate the first loss amount of the cumulative insured amount and the policy value of the protection period at the current time, and calculate the second loss amount of the cumulative insured amount and the policy value of the previous protection period; The ratio of the first loss amount and the second loss amount to the accumulated insured amount is calculated as the upper and lower loss limits of the surrender loss interval.

6. The project processing method according to claim 1, further comprising: In response to the policy cancellation request, calling the policy cancellation inquiry interface of the savings protection item in an asynchronous manner to perform policy cancellation inquiry processing; A cancellation confirmation page is generated based on the cancellation inquiry result returned by the interface call, and the cancellation confirmation page is returned to the user terminal after receiving the cancellation confirmation instruction.

7. The project processing method according to claim 1, wherein the prediction parameters for performing policy surrender inquiry prediction are determined in the protection user data and the policy data according to the project type of the savings protection project, including: Read each prediction parameter type in the prediction parameter table of the project type; The prediction parameters corresponding to each prediction parameter type are queried in the protected user data and the insurance policy data.

8. According to the project processing method according to claim 1, the policy cancellation interaction page includes interactive questions, question and answer interactive controls and / or policy cancellation controls.

9. According to the project processing method of claim 8, the policy cancellation inquiry prediction is performed after the policy cancellation inquiry question in the interactive question is triggered, or after it is detected that the question information submitted by the user terminal contains an inquiry keyword; After the surrender loss interval is returned to the user terminal, it is displayed in the question-and-answer interactive control.

10. The project processing method according to claim 8, wherein the determination of the prediction parameters and the prediction of the policy cancellation inquiry are performed after receiving the policy cancellation instruction generated by triggering the policy cancellation control; Accordingly, the method further includes: A processing page carrying the policy surrender loss interval is generated and returned to the user terminal, and a policy surrender confirmation instruction generated after the policy surrender control configured on the processing page submitted by the user terminal is triggered is received.

11. The project processing method according to claim 8, after the step of generating a surrender interaction page and returning the page to the user terminal according to the surrender request of the savings protection project submitted by the user terminal is executed, the method further comprises: Inputting the interactive question submitted by the user terminal into the large language model to generate an answer to obtain an interactive answer; The interactive answer is returned to the user terminal so as to be displayed in the question-and-answer interactive control.

12. A project processing method comprising: Generate a refund request for the savings protection item and submit it to the server; Displaying the policy cancellation interaction page of the savings protection item returned by the server; The surrender loss range obtained by performing surrender quotation prediction returned by the server is obtained and displayed; the surrender quotation prediction is performed by inputting the prediction parameters determined in the user data and policy data of the insured user into the prediction model corresponding to the project type of the savings protection project.

13. According to the project processing method of claim 12, the policy cancellation interaction page includes the policy cancellation interaction page generated by an interactive robot deployed by the server to perform policy cancellation interaction processing for the insurance project.

14. The project processing method according to claim 12, further comprising: Receive and display the policy cancellation confirmation page generated based on the policy cancellation inquiry result and returned by the server; The policy cancellation inquiry result is obtained by asynchronously calling the policy cancellation inquiry interface of the savings protection item to perform policy cancellation inquiry processing.

15. According to the project processing method of claim 12, the policy cancellation interaction page includes interactive questions, question-and-answer interactive controls and / or policy cancellation controls.

16. The project processing method according to claim 15, wherein the surrender loss range is displayed in the question-and-answer interactive control; The policy cancellation inquiry prediction is performed after the policy cancellation inquiry question in the interactive question is triggered, or after it is detected that the question information contains inquiry keywords.

17. The project processing method according to claim 15, further comprising: receiving a processing page carrying the surrender loss interval returned by the server and displaying the processing page; After the policy cancellation control configured on the processing page is triggered, a policy cancellation confirmation instruction is generated and submitted to the server.

18. The project processing method according to claim 12, further comprising: Obtaining the interactive question input through the question-answer interactive control and submitting it to the server; Displaying the interactive answer returned by the server in the question-and-answer interactive control; The interactive answer is obtained by inputting the interactive question into a large language model to generate the answer.

19. A project processing device, comprising: A page return module is configured to generate a surrender interaction page according to a surrender request for a savings protection item submitted by a user terminal and return the page to the user terminal; A parameter determination module is configured to determine prediction parameters for performing a surrender price prediction in the insured user data and the policy data according to the project type of the savings protection project; The prediction module is configured to input the prediction parameters into the prediction model corresponding to the project type to perform surrender inquiry prediction, obtain the surrender loss interval and return it to the user terminal.

20. A project processing device, comprising: A request submission module, configured to generate a policy cancellation request for a savings protection item and submit it to a server; A page display module, configured to display the policy cancellation interaction page of the savings protection item returned by the server; The loss display module is configured to obtain and display the surrender loss range obtained by the surrender quotation prediction returned by the server; the surrender quotation prediction is performed by inputting the prediction parameters determined in the user data and policy data of the insured user into the prediction model corresponding to the project type of the savings protection project.

21. An item processing device comprising: processor; and a memory configured to store computer executable instructions that, when executed, cause the processor to: Generate a policy surrender interactive page based on a policy surrender request for a savings protection item submitted by a user terminal and return it to the user terminal; According to the project type of the savings protection project, determining prediction parameters for performing surrender inquiry prediction in the protection user data and policy data; The prediction parameters are input into the prediction model corresponding to the project type to perform surrender inquiry prediction, and the surrender loss interval is obtained and returned to the user terminal.

22. An item processing device comprising: processor; and a memory configured to store computer executable instructions that, when executed, cause the processor to: Generate a refund request for the savings protection item and submit it to the server; Displaying the policy cancellation interaction page of the savings protection item returned by the server; The surrender loss range obtained by performing surrender quotation prediction returned by the server is obtained and displayed; the surrender quotation prediction is performed by inputting the prediction parameters determined in the user data and policy data of the insured user into the prediction model corresponding to the project type of the savings protection project.

23. A computer-readable storage medium for storing computer-executable instructions, wherein the computer-executable instructions implement the steps of the method of claim 1 when executed.

24. A computer-readable storage medium for storing computer-executable instructions, wherein the computer-executable instructions implement the steps of the method of claim 12 when executed.

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