Insurance premium determination method of insured vehicle and related equipment

Abstract

The invention discloses an insurance premium determination method and device for an insured vehicle, computing equipment, a computer readable storage medium and a computer program product. The method comprises the following steps: acquiring a dimension value of an insured party dimension of an insured vehicle; according to the dimension value, generating a query statement used for querying a target pricing strategy in a database; by executing the query statement, querying a dimension value of an insurer dimension contained in the target pricing strategy from a database; and determining the insurance premium of the insured vehicle based on the basic insurance premium of the insured vehicle and the dimension value of the insurer dimension.

Description

Technical Field

[0001] This application relates to the technical field of insurance technology, and particularly to a method, device, equipment, computer-readable storage medium, and computer program product for determining the premium of an insured vehicle. Background Art

[0002] Currently, for the premium of an insured vehicle, it is usually manually priced by the motor vehicle insurance operator based on historical business data. Such a pricing method has the problem of low efficiency. Summary of the Invention

[0003] An embodiment of this application provides a method for determining the premium of an insured vehicle, which is used to solve the problem of low efficiency existing in the existing premium pricing method for insured vehicles.

[0004] An embodiment of this application also provides a device, equipment, computer-readable storage medium, and computer program product for determining the premium of an insured vehicle.

[0005] The embodiments of this application adopt the following technical solutions: A method for determining the premium of an insured vehicle includes: obtaining the identifier of an insurance institution and the premium calculation date of the insured vehicle; according to the identifier and the premium calculation date, determining a version number associated with the identifier and whose validity period covers the premium calculation date; according to the version number, determining the insured party dimension included in at least one pricing strategy having the version number; obtaining the dimension value of the insured party dimension of the insured vehicle; converting the obtained dimension value of the insured party dimension of the insured vehicle into a subdivision code according to a specific conversion method; wherein, the specific conversion method includes: converting the dimension value of the code value type into a subdivision code according to the preset correspondence between different dimension values of the code value type and the subdivision code; converting the dimension value of the numerical type into a subdivision code in a manner of mapping the dimension value of the numerical type to a subdivision code represented as an interval range; based on the converted subdivision code, generating a query statement for querying a target pricing strategy in a database; by executing the query statement, querying from the database the dimension value of the underwriting party dimension included in the target pricing strategy; based on the basic premium of the insured vehicle and the dimension value of the underwriting party dimension, determining the premium of the insured vehicle.

[0006] A method for determining the premium of an insured vehicle includes: obtaining the dimension value of the insured party dimension of the insured vehicle; according to the dimension value, generating a query statement for querying a target pricing strategy in a database; by executing the query statement, querying from the database the dimension value of the underwriting party dimension included in the target pricing strategy; based on the basic premium of the insured vehicle and the dimension value of the underwriting party dimension, determining the premium of the insured vehicle.

[0007] A premium determination device for an insured vehicle, comprising: an identification and date acquisition unit configured to acquire the identification of an insurance institution and the premium calculation date of the insured vehicle; a version number determination unit configured to determine, according to the identification and the premium calculation date, a version number associated with the identification and whose validity period covers the premium calculation date; a dimension determination unit configured to determine, according to the version number, the insured party dimensions included in at least one pricing strategy having the version number; an insured party dimension value acquisition unit configured to acquire the dimension value of the insured party dimension of the insured vehicle; a conversion unit configured to convert, according to a specific conversion method, the acquired dimension value of the insured party dimension of the insured vehicle into a subdivision code; wherein the specific conversion method includes: converting the dimension value of a code value type into a subdivision code according to a preset correspondence between different dimension values of the code value type and the subdivision code; converting the dimension value of a numerical type into a subdivision code in a manner of mapping the dimension value of the numerical type to a subdivision code represented as an interval range; a query statement generation unit configured to generate, based on the converted subdivision code, a query statement for querying a target pricing strategy in a database; an underwriting party dimension value acquisition unit configured to query, by executing the query statement, the dimension value of the underwriting party dimension included in the target pricing strategy from the database; and a premium determination unit configured to determine the premium of the insured vehicle based on the basic premium of the insured vehicle and the dimension value of the underwriting party dimension.

[0008] A premium determination device for an insured vehicle, comprising: an insured party dimension value acquisition unit configured to acquire the dimension value of the insured party dimension of the insured vehicle; a query statement generation unit configured to generate, according to the dimension value, a query statement for querying a target pricing strategy in a database; an underwriting party dimension value acquisition unit configured to query, by executing the query statement, the dimension value of the underwriting party dimension included in the target pricing strategy from the database; and a premium determination unit configured to determine the premium of the insured vehicle based on the basic premium of the insured vehicle and the dimension value of the underwriting party dimension.

[0009] A computing device, comprising: a memory and a processor, wherein the memory is configured to store a computer program; and the processor is coupled to the memory and configured to execute the computer program stored in the memory to execute the above method.

[0010] A computer-readable storage medium storing a computer program, wherein the computer program, when executed by a computer, is capable of implementing the above method.

[0011] A computer program product, wherein the computer program product stores instructions that, when executed by a computer, cause the computer to implement the above method.

[0012] The above at least one technical solution adopted in the embodiments of the present application can achieve the following beneficial effects: By adopting the technical solution of the present application, it is possible to automatically determine the premium efficiently according to the specific information of the insured vehicle and in combination with an effective pricing strategy, avoiding the problem of low efficiency existing in the traditional manual pricing method. BRIEF DESCRIPTION OF THE DRAWINGS

[0013] The drawings described herein are used to provide a further understanding of the present application and constitute a part of the present application. The illustrative embodiments of the present application and their descriptions are used to explain the present application and do not constitute an improper limitation of the present application. In the drawings: Figure 1 is a specific implementation flowchart of a method for determining the premium of an insured vehicle provided by an embodiment of the present application; Figure 2 is a specific structural schematic diagram of a device for determining the premium of an insured vehicle provided by an embodiment of the present application; Figure 3 is a specific structural schematic diagram of a computing device provided by an embodiment of the present application. DETAILED DESCRIPTION OF THE EMBODIMENTS

[0014] To make the objectives, technical solutions and advantages of the present application clearer, the technical solutions of the present application will be clearly and completely described below in conjunction with the specific embodiments of the present application and the corresponding drawings. Obviously, the described embodiments are only a part of the embodiments of the present application, rather than all the embodiments. Based on the embodiments in the present application, all other embodiments obtained by those of ordinary skill in the art without creative efforts shall fall within the protection scope of the present application.

[0015] As known to those of ordinary skill in the art, with the development of technology and the emergence of new scenarios, the technical solutions provided by the embodiments of the present application are also applicable to similar technical problems.

[0016] The terms "first", "second", etc. in the specification and claims of the present application and the above drawings are used to distinguish similar objects and do not necessarily need to be used to describe a specific order or sequence. It should be understood that such terms can be interchanged under appropriate circumstances, which is only a way of distinguishing objects with the same attributes when describing the embodiments of the present application. In addition, the terms "include" and "have" and any variations thereof are intended to cover non-exclusive inclusion, so that a process, method, system, product or device including a series of units does not necessarily have to be limited to those units, but may include other units not clearly listed or inherent to these process, method, product or device.

[0017] Embodiment 1 Embodiment 1 of the present application provides a method for determining the premium of an insured vehicle, which is used to solve the problem of low efficiency existing in the existing premium pricing method for insured vehicles.

[0018] The execution subject of this method can be any computing device that can implement this method, such as a server, a mobile phone, a personal computer, a smart wearable device, a smart robot, etc., or a software system running on a computing device.

[0019] Different steps of this method can be implemented by the same execution subject or different execution subjects. The embodiments of the present application do not limit how to use the execution subject to implement this method.

[0020] In addition, the embodiments of the present application do not limit the execution order of different steps. When using the method provided by the embodiments of the present application, the execution order of different steps can be adjusted according to actual needs.

[0021] For ease of description, the following takes a vehicle insurance pricing system as an example of the execution subject of this method to introduce the method provided by the embodiments of the present application in detail.

[0022] As Figure 1 shown, it is a specific implementation flowchart of a method for determining the premium of an insured vehicle provided by the embodiments of the present application, including the following steps: Step 11: The vehicle insurance pricing system obtains the dimension value of the insured party dimension of the insured vehicle; The insured party dimension refers to various specific indicators related to the situation of the insured party that affect the premium calculation. For example, it may include but is not limited to: the model of the vehicle, the vehicle age, the driving mileage, the age of the insured, the driving experience, and the historical claim record, etc. Among them, the model of the vehicle represents factors such as the safety performance and maintenance cost of the vehicle, while the vehicle age reflects the depreciation degree and maintenance requirements of the vehicle. The driving mileage is directly related to the usage frequency and wear degree of the vehicle, and the location of the vehicle may result in different risk levels and maintenance costs due to regional differences. Similarly, factors such as the age of the insured, the driving experience, and the historical claim record are also important references for reflecting the risk of the insured vehicle and affecting the premium calculation.

[0023] The dimension value of the insured party dimension refers to the specific value of the insured party dimension. In the embodiments of the present application, the dimension value can have two different types: code value type and numerical value type.

[0024] Table 1 mainly shows the dimension values of the "code value type" insured party dimension. The so-called "code value type" dimension value means that the value of the dimension value is selected from a limited number of values, rather than from "a value range with an infinite number of included values".

[0025] Table 1:

[0026] Table 2 mainly shows the breakdown names, etc. of the insured party dimension of the "numerical type". Compared with the dimension values of the code value type, the dimension values of the numerical type generally come from "a value range with an infinite number of included values". For example, the vehicle age is "5", that is, the dimension value of the vehicle age dimension of the insured party is "5", which can come from the value range [1, 999); the vehicle age is "1.5", that is, the dimension value of the vehicle age dimension of the insured party is "5", which can come from the value range [1, 2).

[0027] In an alternative embodiment, the "breakdown name" in Table 2 can also be regarded as a dimension value.

[0028] Table 2:

[0029] In a specific example, the dimension values of the insured party dimension of the insured vehicle obtained by the vehicle insurance pricing system can be, for example: new energy, passenger car, 5. Among them, new energy is the dimension value of the "energy type" dimension; "passenger car" is the dimension value of the "vehicle type" dimension; "5" is the dimension value of the "vehicle age" dimension. From the previous introduction to the definitions of the dimension values of the "code value type" and the "numerical type", it can be seen that "new energy" and "passenger car" are of the code value type; "5" is of the numerical type.

[0030] In an alternative embodiment, the pricing strategy can be a pricing strategy with a version number, and the version number is associated with the identifier of the insurance institution and the validity period of the pricing strategy. In such a case, the method provided by the embodiments of the present application may further include: Obtain the identifier of the insurance institution and the premium calculation date of the insured vehicle; According to the identifier of the insurance institution and the premium calculation date, determine the version number associated with the identifier of the insurance institution and whose validity period covers the premium calculation date; According to the version number, determine the insured party dimensions included in at least one pricing strategy with the version number; Obtain the dimension values of the insured party dimensions included in the at least one pricing strategy of the insured vehicle.

[0031] In a specific example, the vehicle insurance pricing system can, for example, display the insured party dimensions included in at least one pricing strategy with the version number on the user interface, so that the personnel of the vehicle insurance policy issuing institution can know which dimension values of the insured party dimensions of the insured vehicle should be input into the system currently. Further, the personnel of the policy issuing institution can input the dimension values of these insured party dimensions into the vehicle insurance pricing system, so that the system obtains the dimension values of these insured party dimensions.

[0032] Step 12: The vehicle insurance pricing system generates a query statement for querying the target pricing strategy in the database based on the dimension values of the insured party dimension of the insured vehicle obtained by executing Step 11. The pricing strategy refers to the pre-set premium calculation rules based on various attributes of the vehicle and information such as the historical records of the policyholder. In the embodiments of the present application, the pricing strategy may include one or several of: the insured party dimension, the dimension values of the insured party dimension, the underwriting party dimension, and the dimension values of the underwriting party dimension.

[0033] The underwriting party dimension in the pricing strategy refers to the indicators related to the situation of the underwriting party that affect the premium calculation. For example, it may include but is not limited to the independent pricing coefficient, the target loss ratio, the comprehensive cost ratio, etc.

[0034] The target pricing strategy refers to the pricing strategy applicable to the current insured vehicle. Any insured vehicle for which the premium is to be determined can be used as the current insured vehicle.

[0035] In the embodiments of the present application, to facilitate querying the pricing strategy (target pricing strategy) applicable to the current insured vehicle, a pricing strategy including the dimension values of the insured party dimension and the dimension values of the underwriting party dimension can be pre-constructed and saved, for example, saved in the database of the vehicle insurance pricing system.

[0036] In an alternative embodiment, the dimension values of the insured party dimension (or the insured party dimension) and the dimension values of the underwriting party dimension included in the pricing strategy can be correspondingly stored in the database. In particular, for the "code value type" dimension values of the insured party dimension, while storing such dimension values, as shown in Table 1, the sub-codes shown in Table 1 can also be correspondingly stored; for the dimension values of the insured party dimension that are "numerical type", while storing such dimensions, as shown in Table 2, the sub-codes shown in Table 2 can also be correspondingly stored.

[0037] In an alternative embodiment, the dimension values of different insured party dimensions and / or the sub-codes corresponding to the insured party dimension can be combined in a certain format to obtain a Structured Query Language (SQL) statement for querying the database of the vehicle insurance pricing system. Subsequently, the vehicle insurance pricing system can query the target pricing strategy from the database by executing the combined SQL statement. Since the target pricing strategy also includes the dimension values of the underwriting party dimension and is stored in the database of the vehicle insurance pricing system, after querying the target pricing strategy, the dimension values of the underwriting party dimension included in the target pricing strategy can be obtained to determine the premium of the insured vehicle based on the dimension values of the underwriting party dimension.

[0038] In the case where "dimension values (or the policyholder dimension) corresponding to the policyholder dimension are stored with corresponding subdivision codes", a specific implementation of step 12 includes: According to a specific conversion method, convert the dimension values of the policyholder dimension of the insured vehicle obtained by executing step 11 into subdivision codes; based on the converted subdivision codes, generate a query statement for querying the database.

[0039] The specific conversion method mentioned here includes: converting the dimension values of the code value class into subdivision codes according to the preset corresponding relationship between different dimension values of the code value class and the subdivision codes; converting the dimension values of the numerical class into subdivision codes in the way of mapping the dimension values of the numerical class to the subdivision codes represented as interval ranges.

[0040] In a specific example, assume that the dimension values of the policyholder dimension of the insured vehicle obtained by the auto insurance pricing system are: new energy, passenger car, 5 (dimension value of vehicle age). Then, according to Table 1 and Table 2, these dimension values can be converted into subdivision codes: 1; 01; [1,999).

[0041] Furthermore, the auto insurance pricing system can splice the converted subdivision codes in a specific format - for example, splice them according to a predetermined SQL statement template - so as to construct an SQL statement that can accurately locate the target pricing strategy. Continuing with the above example, assume that the converted subdivision codes are: 1; 01; [1,999) in sequence. Then, the SQL statement spliced according to the predetermined SQL statement template can be: from pricing strategy table where institution = ’Nanjing’ and pricing strategy version number = ’32010000V20241207’ and (energy type = ’1’ or energy type is null) and (vehicle type = ’01’ or vehicle type is null) and (vehicle age = ’[1,999)’ or vehicle age = ’[1,2)’ or vehicle age is null).

[0042] Step 13: By executing the query statement, query the dimension values of the underwriting party dimension included in the target pricing strategy from the database; Step 14: Based on the basic premium of the insured vehicle and the dimension values of the underwriting party dimension, determine the premium of the insured vehicle.

[0043] In an alternative implementation, the basic premium of the insured vehicle can be calculated in the following way: Obtain the basic insurance elements of the insured vehicle; determine the basic premium of the insured vehicle according to the basic insurance elements.

[0044] By adopting the technical solution of the present application, it is possible to automatically determine the premium efficiently according to the specific information of the insured vehicle and in combination with an effective pricing strategy, avoiding the problem of low efficiency existing in the traditional manual pricing method.

[0045] Embodiment 2 Embodiment 2 mainly introduces a specific implementation manner of applying the premium determination method for the insured vehicle provided in Embodiment 1 of the present application to an actual scenario.

[0046] This specific implementation manner mainly includes three stages. Among them, the first stage is "pricing strategy formulation"; the second stage is "matching pricing strategy"; the third stage is "calculating the premium according to the pricing strategy indicators". The following will introduce these three stages in detail respectively.

[0047] The first stage: Pricing strategy formulation.

[0048] As mentioned above, the pricing strategy refers to the premium calculation rules preset according to various attributes of the vehicle and information such as the historical records of the applicant. These rules may cover various vehicle factors such as the vehicle model, vehicle age, mileage, vehicle location, etc., as well as personal factors such as the applicant's age, driving experience, and historical claim records. These factors can also be referred to as the "insured party dimension" in the embodiments of the present application, which refers to various specific indicators related to the situation of the insured party that affect the premium calculation. For example, the vehicle model represents factors such as the safety performance and maintenance cost of the vehicle, while the vehicle age reflects the depreciation degree and maintenance requirements of the vehicle. The mileage is directly related to the usage frequency and wear degree of the vehicle, and the vehicle location may result in different risk levels and maintenance costs due to regional differences. Similarly, factors such as the applicant's age, driving experience, and historical claim records are also important references for reflecting the risk of the insured vehicle and affecting the premium calculation.

[0049] The following will illustrate how to formulate the pricing strategy by way of example. The formulation process includes the following steps: Step ①: Obtain and store the insured party dimension.

[0050] Taking an insurance company as an example, assume that the company has collected more than 130 insured party dimensions, and these insured party dimensions include the energy type, vehicle type, vehicle age, role of the insured person, age of the insured person, channel code, new / renewal / transfer flag, consecutive underwriting years, consecutive years without claims, claim times, etc. as shown in Table 3 below. Table 3:

[0051] For the convenience of managing the insured party dimension, the collected insured party dimension can be stored corresponding to the insured party dimension type. Specifically, for example, it can be stored in the storage space of the device running the auto insurance pricing system. As shown in Table 3, for example, energy type, vehicle type, and vehicle age can be classified into the "vehicle information" type and then stored corresponding to this type; the role of the insured relationship person and the age of the insured relationship person can be classified into the "insured relationship person information" type and then stored corresponding to this type; the channel code and new / renewal / transmission identifier can be classified into the "channel information" type and then stored corresponding to this type; the number of consecutive underwriting years, the number of consecutive years without claims, and the number of claim occurrences can be classified into the "claim information" type and then stored corresponding to this type.

[0052] In the embodiment of the present application, the auto insurance pricing system described is a software system used to determine the premium of the insured vehicle, which can run on a server or on a user terminal. The embodiment of the present application does not limit the device running the auto insurance pricing system.

[0053] In an alternative embodiment, the collected insured party dimension can be input by, for example, technical personnel of the insurance company into the auto insurance pricing system, and the technical personnel configure the corresponding insured party dimension type for the insured party dimension. Then the auto insurance pricing system stores the insured party dimension and the insured party dimension type in correspondence; in another alternative embodiment, the collected insured party dimension and the corresponding insured party dimension type can be transmitted to the auto insurance pricing system by other devices, and the auto insurance pricing system stores the insured party dimension and the insured party dimension type in correspondence.

[0054] Step ②: Obtain the underwriting party dimension and store it.

[0055] The underwriting party dimension refers to the indicators related to the situation of the underwriting party that affect the premium calculation. The underwriting party dimension can include, but is not limited to, the independent pricing coefficient, target loss ratio, comprehensive cost ratio, etc. shown in Table 4.

[0056] Table 4:

[0057] In Table 4, the independent pricing coefficient is a coefficient independently set by the insurance company according to its own business strategy, risk identification ability, and market competition situation, and is used to adjust the premium level. The size of this coefficient reflects the flexibility of the insurance company in pricing and its market competitiveness. Different insurance companies may set different independent pricing coefficients according to their own risk assessment models and market positions, thereby affecting the premium calculation results under the same conditions. By adjusting the independent pricing coefficient, the insurance company can better manage risks and achieve a reasonable match between premiums and risks.

[0058] The target loss ratio refers to the ratio at which an insurance company expects to cover claim payments and obtain reasonable profits through premium income within a certain period. It is an important reference indicator in the insurance company's pricing strategy and reflects the insurance company's expected management of claim risks.

[0059] The combined ratio is the proportion of the sum of an insurance company's operating costs and claim costs to premium income, comprehensively reflecting the insurance company's operating efficiency, risk control ability, and profitability. By optimizing the combined ratio, the insurance company can improve its operating efficiency and enhance its market competitiveness.

[0060] The fixed cost ratio refers to the proportion of the fixed costs that an insurance company must bear for operating vehicle insurance business to premium income. These fixed costs include, but are not limited to, employee salaries, rent, equipment purchase and maintenance costs, information technology support, etc. The level of the fixed cost ratio directly affects the insurance company's operating cost structure and profit level. By reasonably controlling the fixed cost ratio, the insurance company can improve its operating efficiency and achieve sustainable development while ensuring service quality. For the convenience of managing the underwriter dimension, the collected underwriter dimension and the underwriter dimension type can be stored in correspondence. Specifically, for example, it can be stored in the storage space of the device running the vehicle insurance pricing system. For example, as shown in Table 4, after the independent pricing coefficient and the target loss ratio are classified as the "premium discount" type, they are stored in correspondence with this type; the combined ratio and the fixed cost ratio can be classified as the "expense information" type and stored in correspondence with this type.

[0061] In an alternative implementation, the storage process of the collected underwriter dimension and the corresponding underwriter dimension type is similar to the storage process of the applicant dimension and the corresponding applicant dimension type described above, and will not be elaborated here.

[0062] Regarding steps ① and ② above, it should be noted that in an alternative implementation, in addition to storing dimensions (including the applicant dimension and the underwriter dimension) and the corresponding dimension types, the vehicle insurance pricing system can also store the possible dimension values of the dimensions.

[0063] For example, for the dimension of "vehicle type", its possible dimension values include "passenger car", "truck", "special vehicle", "trailer", etc., and these dimension values can also be collected by the insurance company and stored in a similar manner as described above. Table 5 shows the illustration of the applicant dimension, the applicant dimension type, and the possible dimension values of the applicant dimension stored in the vehicle insurance pricing system.

[0064] Table 5:

[0065] For the underwriting party dimension, the underwriting party dimension type, and the possible dimension values of the underwriting party dimension, the storage can also be performed in the manner shown in Table 5, which will not be elaborated here.

[0066] Step ③: Based on the applicant dimension and the underwriting party dimension, in response to the configuration operation of the pricing strategy, construct the pricing strategy.

[0067] In an alternative implementation, the configuration operation can be performed by the pricing staff of the insurance company. Specifically, the pricing staff can issue a series of instructions to the vehicle insurance pricing system, so that based on the received instructions and the stored applicant dimension and underwriting party dimension, the construction of the pricing strategy is completed. In an alternative implementation, the pricing staff of the insurance company can adopt a visual and intelligent pricing strategy configuration method to complete the configuration of the pricing strategy, so that the vehicle insurance pricing system constructs the pricing strategy. From the perspective of the vehicle insurance pricing system, the specific process can include the following sub-steps: Sub-step ③-1: The vehicle insurance pricing system responds to the received business label display instruction and presents business labels that can be selected by the pricing staff on the user interface of the vehicle insurance pricing system.

[0068] Sub-step ③-2: The vehicle insurance pricing system responds to the business label selection instruction, determines the business label selected by the instruction; based on the pre-established correspondence between the business label and the dimension, presents the dimension corresponding to the business label in the user interface.

[0069] In an alternative implementation, the vehicle insurance pricing system can pre-establish the correspondence between different business labels and dimensions. For example, the business labels can be: third-party liability insurance, vehicle damage insurance, theft insurance, spontaneous combustion loss insurance, glass breakage insurance, engine special loss insurance, renewal - private car, etc. Taking the label "renewal - private car" as an example, its corresponding dimensions can include both the applicant dimension (such as energy type, vehicle type, vehicle age, consecutive years without claims, number of claims) and the underwriting party dimension (such as fixed cost rate).

[0070] In an alternative implementation, when the vehicle insurance pricing system establishes the correspondence between the business label and the dimension, it can refer to the historical pricing strategy corresponding to the business label. For example, for the business label "renewal - private car", pricing has been carried out before and there is a historical pricing strategy. Then, the dimensions involved in the historical pricing strategy can be referred to establish the correspondence between the business label and the dimension. Specifically, the dimensions can be extracted from the historical pricing strategy, and then the correspondence can be established.

[0071] Based on the established correspondence relationship, the dimensions corresponding to the business label can be presented in the user interface. For example, continuing with the above example, assume that the pricing personnel select the business label "Renewal - Private Car for Personal Use" and send a business label selection instruction to the auto insurance pricing system to indicate the selection of this business label. Then, in response to this instruction, the auto insurance pricing system can present in the user interface the dimensions corresponding to this business label, including: energy type, vehicle type, vehicle age, number of consecutive years without claims, number of claim occurrences, and combined cost ratio.

[0072] Sub - step ③ - 3: The auto insurance pricing system determines the dimensions selected by the dimension selection instruction in response to the dimension selection instruction. Still using the above example, assume that the pricing personnel select "Energy Type, Vehicle Type, Vehicle Age, Combined Cost Ratio" from the dimensions "Energy Type, Vehicle Type, Vehicle Age, Number of Consecutive Years without Claims, Number of Claim Occurrences, Combined Cost Ratio" corresponding to the business label "Renewal - Private Car for Personal Use" presented in the user interface and send a dimension selection instruction to the auto insurance pricing system to indicate the selected dimensions. Then, in response to this instruction, the auto insurance pricing system can determine that the selected dimensions are: Energy Type, Vehicle Type, Vehicle Age, Combined Cost Ratio.

[0073] Sub - step ③ - 4: The auto insurance pricing system determines the dimension values (or sub - names) configured for the selected dimensions in response to the dimension value configuration instruction. In the embodiment of the present application, after the pricing personnel select the dimensions, they can further configure the dimension values (or sub - names) and sub - codes of the selected dimensions.

[0074] For example, for the selected insured - party dimension "Energy Type", the pricing personnel can configure corresponding dimension values for this dimension, such as "New Energy" and "Traditional Energy"; for the selected insured - party dimension "Vehicle Type", the pricing personnel can configure corresponding dimension values for this dimension, such as "Passenger Car", "Truck", "Special Vehicle", "Trailer", etc. These configurations are all for the dimension values of the "code - value type", and the specific configuration results can be seen in Table 1 above.

[0075] For the dimension values of the "numerical type", the pricing staff can configure the detailed names of the dimensions. For example, for the dimension "vehicle age" of the insured party, the pricing staff can configure the corresponding detailed names for this dimension, such as "new vehicle", "non-new vehicle", "nearly new vehicle", "vehicle over 2 years old", etc. The specific configuration results can be seen in Table 2 in the previous text. In an optional implementation manner, if the vehicle insurance pricing system stores the corresponding relationship between the dimension and the possible dimension values (or detailed names) of the dimension, then, after the pricing staff selects the dimension, the vehicle insurance pricing system can display the possible dimension values (or detailed names) of the selected dimension on the user interface according to the stored corresponding relationship between the dimension and the possible dimension values (or detailed names) of the dimension, so as to be selected by the pricing staff. The dimension value (or detailed name) selected by the pricing staff can be used as the dimension value (or detailed name) configured for the corresponding dimension. It should be noted that the detailed name can also be used as the dimension value. In another optional implementation manner, if the vehicle insurance pricing system does not store the possible dimension values of the dimension, then the vehicle insurance pricing system can display the dimension value configuration box (or detailed name configuration box) corresponding to each selected dimension on the user interface respectively, and then obtain the data input by the pricing staff in the dimension value configuration box (or detailed name configuration box) as the dimension value (or detailed name) of the selected dimension.

[0076] After completing the dimension value configuration, the pricing staff can send a dimension value configuration instruction to the vehicle insurance pricing system, and the vehicle insurance pricing system responds to the dimension value configuration instruction to determine the dimension values (or detailed names) configured for each selected dimension respectively.

[0077] For the "underwriting party dimension" and "subdivision code", the configuration can also be carried out in a similar way to the above configuration method, which will not be elaborated here.

[0078] It should be noted that in Table 1 and Table 2, the institution code represents the unique code of the insurance company. For example, 32010000 represents an insurance subsidiary of an insurance group registered in Nanjing, Jiangsu. In an optional implementation manner, 32010000 can be used as the account name for this subsidiary to log in to the vehicle insurance pricing system. When the pricing staff logs in to the vehicle insurance pricing system with this account name for configuration, they can store the corresponding relationship between the account name (unique code) of this subsidiary and the selected dimension and the configured dimension value, so that subsequent pricing strategies containing this account name (unique code) can be constructed based on the account name (unique code) of this subsidiary, thereby supporting subsequent accurate query of the pricing strategies formulated for the corresponding insurance company according to the account name (unique code).

[0079] Sub-step ③-5: After receiving the configuration completion instruction, the vehicle insurance pricing system combines the dimension values (which can also include detailed names) configured for the selected dimension into the pricing strategy.

[0080] In an alternative embodiment, a "Configuration Complete" button can be presented on the above-mentioned user interface of the auto insurance pricing system. When the pricing staff clicks this button, it can trigger the sending of a configuration completion instruction to the auto insurance pricing system. After receiving the configuration completion instruction, the auto insurance pricing system combines the configured dimension values of the selected dimensions into the pricing strategy.

[0081] In a specific example, assume that the dimensions selected by the pricing staff are "energy type, vehicle type, vehicle age, combined cost rate", and corresponding dimension values are configured for these dimensions respectively. Then, the configured dimension values can be combined into the same pricing strategy. The "combination" mentioned here can refer to establishing an association relationship. For example, the auto insurance pricing system can store the configured dimension values of the selected dimensions in an associated manner as shown in Table 6 below, so as to establish an association relationship between the dimension values and achieve the purpose of combining the configured dimension values of the selected dimensions into the same pricing strategy.

[0082] Table 6:

[0083] In Table 6 above, the dimension values of the insured party dimension and the insurer dimension corresponding to each serial number can jointly form a pricing strategy; or, it can also be considered that the insured party dimension, the dimension values of the insured party dimension, the insurer dimension, and the dimension values of the insurer dimension corresponding to each serial number jointly form a pricing strategy. In an alternative embodiment, when configuring the pricing strategy, the pricing staff of the insurance company can configure multiple pricing strategies at one time.

[0084] In an alternative embodiment, for the convenience of subsequent querying of the pricing strategy, the auto insurance pricing system can assign a version number to the pricing strategy. At the same time, the validity period of the pricing strategy can also be bound to the version number. Among them, the validity period of the pricing strategy can be input by the pricing staff of the insurance company into the auto insurance pricing system.

[0085] In an alternative embodiment, the version number can not only be bound to the validity period but also to the institution code. In a specific example, assume that the pricing staff of an insurance company with the code "32010000" configures one or several pricing strategies and sets the validity period of this / these pricing strategies to "2024.12.1 - 2025.01.11". Then, the auto insurance pricing system can assign the version number "32000000V20241201" to this / these pricing strategies and store the institution code, validity period, and version number in a storage manner similar to Table 7.

[0086] Table 7:

[0087] After completing the configuration of the pricing strategy, the first stage, "Formulation of the Pricing Strategy," ends. The formulated pricing strategy can be released by the auto insurance pricing system. Specifically, the pricing strategy can be released by the auto insurance pricing system to the client side of the auto insurance issuing agency.

[0088] Stage 2: Match the pricing strategy.

[0089] As can be seen from the previous description, different pricing strategies have different comprehensive considerations for various dimensions. In the second stage, it is mainly to match the pricing strategy (target pricing strategy) that is most suitable for the insured vehicle for which the premium is to be determined from different pricing strategies.

[0090] In an optional implementation manner, the auto insurance pricing system can specifically complete the operations in the second stage by performing the following steps: Step 1: The auto insurance pricing system determines the version number of the pricing strategy applicable to the insured vehicle for which the premium is to be determined; In the second stage, the reason for first determining the version number of the pricing strategy applicable to the insured vehicle for which the premium is to be determined is that different pricing strategies contain different dimensions. Therefore, before determining which pricing strategy is applicable to the insured vehicle, it is impossible to determine which values of the insured party dimensions of the insured vehicle should be obtained to meet the requirements of the pricing strategy. Therefore, Step 1 can be executed first to match the pricing strategy applicable to the insured vehicle from numerous pricing strategies.

[0091] In an optional implementation manner, if the version number of the pricing strategy is bound to the validity period of the pricing strategy and the institution code of the insurance institution, then the auto insurance issuing agency can query the version number bound to the input institution code and validity period as the version number of the applicable pricing strategy by inputting the institution code of the insurance institution and the validity period of the pricing strategy to the auto insurance pricing system. Or, in another optional implementation manner, the version number bound to the institution code of the insurance institution can be queried by inputting the institution code of the insurance institution and the date for calculating the premium of the insured vehicle to the auto insurance pricing system. At the same time, the version number also meets the requirement that the bound validity period can cover the "date for calculating the premium of the insured vehicle" input to the system.

[0092] In a specific example, assume that the institutional code of the insurance institution input into the vehicle insurance pricing system is "32010000", and the date for calculating the premium of the insured vehicle is December 8, 2024. Then, the vehicle insurance pricing system can determine the version number of the applicable pricing strategy by querying Table 7 as: 32000000V20241201. Of course, it is also possible to only input the institutional code of the insurance institution to trigger the vehicle insurance pricing system to query the version number bound to the input institutional code. For the queried version number, the vehicle insurance pricing system can filter out the version numbers of pricing strategies that are no longer in the valid period according to the validity period bound to the version number, and only retain the version numbers of pricing strategies that are in the valid period as the applicable pricing strategy version numbers.

[0093] Step 2: According to the version number of the applicable pricing strategy, obtain each insured party dimension included in each pricing strategy with this version number; and obtain the subdivision codes corresponding to the values (and subdivision names, if any) of each insured party dimension included in each pricing strategy. Among them, each obtained insured party dimension can be displayed on the user interface so that the personnel of the vehicle insurance policy-issuing institution can know which insured party dimensions of the insured vehicle should be obtained currently. For example, assume that the version number of each pricing strategy in Table 6 is "32000000V20241201". Then, based on the version number "32000000V20241201" of the applicable pricing strategy determined by executing Step 1, the vehicle insurance pricing system can obtain each insured party dimension and the corresponding insured party dimension values shown in Table 6. Further, according to the corresponding relationship between the dimension values of different insured party dimensions and the corresponding subdivision codes stored in advance, the subdivision codes corresponding to the dimension values of each insured party dimension included in the pricing strategy can be obtained.

[0094] Step 3: Obtain the dimension value of the insured party dimension of the insured vehicle; based on the subdivision code corresponding to the value (including the subdivision name) of the insured party dimension included in the pricing strategy of this version number, convert the obtained dimension value of the insured party dimension of the insured vehicle into the corresponding subdivision code; among them, the dimension value (including the subdivision name) of the insured party dimension of the insured vehicle can be input into the vehicle insurance pricing system by the personnel of the vehicle insurance issuing agency according to each insured party dimension included in each pricing strategy with this version number shown. In a specific example, assume that the dimension values of the insured party dimension of the insured vehicle obtained by the vehicle insurance pricing system are: Energy type - New energy; Vehicle type - Passenger car; Vehicle age - Non-new car. Then, according to Table 1 and Table 2, these dimension values can be converted into subdivision codes: 1; 01; [1,999). In particular, at this time, each subdivision name in Table 1 and Table 2 can be regarded as the dimension value included in the pricing strategy. In another specific example, assume that the dimension values of the insured party dimension of the insured vehicle obtained by the vehicle insurance pricing system are: Energy type - New energy; Vehicle type - Passenger car; Vehicle age - 5. Then, according to Table 1 and Table 2, these dimension values can be converted into subdivision codes: 1; 01; [2,999). In this example, the dimension value "5" of the vehicle age is mapped to the subdivision code [2,999) expressed as an interval range, and thus is converted into [2,999).

[0095] In the embodiment of this application, one of the main reasons for converting the dimension value into a subdivision code and then constructing an SQL statement is that: the dimension value of the insured party dimension of the insured vehicle obtained by the vehicle insurance pricing system is very likely to be of the "numerical type" - for this type of dimension value, the number of values within its value range is infinite, and it is difficult to rely on the method of "including a 'numerical type' dimension value of a certain dimension in one pricing strategy" to enumerate and store the pricing strategies. Instead, a limited number of pricing strategies are often set in the way that one value range corresponds to one pricing strategy.

[0096] In such a case, when the vehicle insurance pricing system obtains the "numerical type" dimension value (such as vehicle age - 5 years) of the insured vehicle, since there is no pricing strategy directly corresponding to "5" years in the database, it will be difficult to directly query the target pricing strategy from the database. Therefore, the dimension value (such as vehicle age - 5 years) can be first converted into a subdivision code (such as [2,999)), and then the target pricing strategy can be queried according to the SQL statement generated based on the subdivision code. Since there is a target pricing strategy directly corresponding to the subdivision code (such as [2,999)) in the database, the target pricing strategy can be efficiently and accurately queried according to the SQL statement.

[0097] Step 4: Concatenate the converted detailed codes to obtain an SQL statement; query the target pricing strategy based on the SQL statement and obtain the dimension values of the underwriting party dimension included in the queried target pricing strategy; specifically, the auto insurance pricing system can concatenate the converted detailed codes in a specific format - for example, concatenate them according to a predetermined SQL statement template - to construct an SQL statement that can accurately locate the target pricing strategy. After executing this SQL statement, the auto insurance pricing system can query from the database at least one pricing strategy that includes all the dimension values of the insured party dimension of the insured vehicle as the target pricing strategy. Furthermore, the dimension values of the underwriting party dimension included in the target pricing strategy can be obtained. In a specific example, assume that the detailed codes converted from the dimension values of the insured party dimension of the insured vehicle "Energy type - New energy; Vehicle type - Passenger car; Vehicle age - Non-new vehicle" are: 1; 01; [1,999) in sequence. Then the SQL statement concatenated according to the predetermined SQL statement template can be: from Pricing Strategy Table where Agency = 'Nanjing' and Pricing Strategy Version Number = '32010000V20241207' and (Energy type = '1' or Energy type is null) and (Vehicle type = '01' or Vehicle type is null) and (Vehicle age = '[1,999)' or Vehicle age = '[1,2)' or Vehicle age is null).

[0098] After concatenating these detailed codes into an SQL statement and querying the database of the auto insurance pricing system, the target pricing strategy can be queried as shown in Table 8 below. After querying the target pricing strategy, the dimension values of the underwriting party dimension included in this strategy can be obtained, specifically the combined ratio of 95.2%.

[0099] Table 8:

[0100] After obtaining the dimension values of the underwriting party dimension included in the target pricing strategy, the auto insurance pricing system can further calculate the premium of the insured vehicle based on this / these values.

[0101] Phase 3: Calculate the premium according to the pricing strategy indicators.

[0102] The specific implementation process of Phase 3 can include the following steps: Step i: The auto insurance pricing system obtains the basic insurance elements of the insured vehicle and determines the basic premium of the insured vehicle according to the basic insurance elements. In an optional implementation manner, the basic insurance elements refer to the basic information that affects the calculation of the vehicle premium, such as: the insurance institution, vehicle type, number of seats, service life, etc. These basic information are important bases for determining the basic premium of the vehicle. The auto insurance pricing system will automatically calculate the basic premium of the insured vehicle according to the rate table set by the insurance company and in combination with these basic insurance elements. The basic premium is the basis for subsequent premium discounts and cost adjustments.

[0103] In an optional implementation manner, the basic insurance elements of the insured vehicle obtained by the auto insurance pricing system can be input by the personnel of the auto insurance issuing institution into the auto insurance pricing system. In the embodiments of the present application, the basic insurance elements can be the dimensional values in the dimension of the insured party, or they can be different. In a specific example, the basic premium is shown in Table 9 below. For example, if the insured vehicle is a family self-use car, the vehicle type is below 6 seats, and when purchasing third-party liability insurance, the calculation method of the basic premium of 1 million is: Basic premium of 1 million = Benchmark pure risk premium / (1 - Surcharge rate) = 415.23 / (1 - 0.15) = 488.5 yuan.

[0104] Table 9:

[0105] Step ii: The auto insurance pricing system adjusts the basic premium according to the value of the underwriting party dimension (such as the combined ratio) included in the target pricing strategy to obtain the adjusted basic premium; The combined ratio is an important indicator for insurance companies to measure the profitability of their business, and it includes multiple aspects such as claim costs and operating costs. The auto insurance pricing system will make corresponding adjustments to the basic premium according to the combined ratio set in the target pricing strategy. Generally, the higher the combined ratio, it means that the risks and costs borne by the insurance company are greater. Therefore, the premium of the insured vehicle will also increase accordingly.

[0106] In a specific example, the basic premium can be adjusted in the following way: If the combined ratio set in the target pricing strategy is 120%, it means that the insurance company expects to obtain 20% additional cost coverage for this business, which may be due to the relatively high historical loss ratio of this type of vehicle or the relatively high cost of operating the business of this type of vehicle. At this time, the auto insurance pricing system will multiply the basic premium by 120% to calculate the adjusted premium. Through such an adjustment mechanism, the insurance company can ensure that its pricing strategy is consistent with the business profit target, and at the same time, it can also reflect the risk and cost differences of vehicles under different underwriting party dimensions.

[0107] In another specific example, the basic premium can also be adjusted in this way: first calculate the autonomous pricing coefficient based on the comprehensive cost rate; then calculate the rate adjustment coefficient according to the formula "rate adjustment coefficient = no-claim discount coefficient (provided by the industry platform) × traffic violation coefficient (provided by the industry platform) × autonomous pricing coefficient"; finally, multiply the basic premium by the rate adjustment coefficient to obtain the adjusted basic premium.

[0108] Step III: According to the insurance company's discount policy, further discount the adjusted basic premium to obtain the discounted premium; generally, insurance companies will formulate different discount policies based on market competition, customer loyalty, sales channels and other factors. The auto insurance pricing system will further discount the adjusted basic premium based on these discount policies to attract customers and improve market competitiveness.

[0109] In a specific example, the adjusted basic premium can be further discounted in the following way: Assume that the insurance company's discount policy stipulates that customers who purchase insurance through online channels can enjoy a 5% premium discount. Then, the auto insurance pricing system will multiply the adjusted basic premium by a discount factor of 95% (i.e. 1-5%) to calculate the final premium amount. Such a discount policy not only helps insurance companies attract more online customers and increase the diversity of sales channels, but also reduces operating costs through online sales and maximizes business profits.

[0110] Step IV: Summarize the discounted premium with the various fees set by the insurance company (such as handling fees, taxes, etc.) to obtain the final actual premium collected.

[0111] After completing the premium discount process, the auto insurance pricing system will also summarize the various fees set by the insurance company (such as handling fees, taxes, etc.) and add them to the discounted premium to get the final insurance premium. This premium is the actual settlement amount between the insurance company and the customer, and is also the final fee that the customer needs to pay.

[0112] In a specific example, the various charges can be aggregated and added to the discounted premium in the following manner: First, the vehicle insurance pricing system retrieves various fee data pre-set by the insurance company, which may include handling fees, taxes, etc. Then, the system adds these fee data to the premium after discount processing to ensure that each fee is accurately calculated. During this process, the system can also perform multiple validations to ensure the accuracy and reasonableness of each fee, avoiding calculation errors or omissions. Through such summarization and calculation, the final received premium for insurance will be an accurate and reasonable amount, which can not only protect the interests of the insurance company but also ensure that the rights and interests of customers are fully protected.

[0113] Embodiment 3 To solve the problem of low efficiency in the existing premium pricing method for insured vehicles, and based on the same inventive concept as the above embodiments of the present application, Embodiment 3 of the present application provides a premium determination device for an insured vehicle.

[0114] The specific structural schematic diagram of the device is as Figure 2 shown and includes the following functional units: The applicant dimension value acquisition unit 21 is used to acquire the dimension value of the applicant dimension of the insured vehicle; The query statement generation unit 22 is used to generate a query statement for querying the target pricing strategy in the database according to the dimension value; The insurer dimension value acquisition unit 23 is used to query the dimension value of the insurer dimension included in the target pricing strategy from the database by executing the query statement; The premium determination unit 24 is used to determine the premium of the insured vehicle based on the basic premium of the insured vehicle and the dimension value of the insurer dimension.

[0115] In an optional implementation manner, the pricing strategy is a pricing strategy with a version number, and the version number is associated with the identifier of the insurance institution and the validity period of the pricing strategy. In such a case, the applicant dimension value acquisition unit 21 can specifically be used to: Acquire the identifier of the insurance institution and the premium calculation date of the insured vehicle; according to the identifier and the premium calculation date, determine the version number associated with the identifier and whose associated validity period covers the premium calculation date; according to the version number, determine the applicant dimension included in at least one pricing strategy with the version number; acquire the dimension value of the applicant dimension of the insured vehicle included in the at least one pricing strategy.

[0116] In an alternative embodiment, the query statement generation unit 22 may specifically be configured to: convert the dimension value of the applicant dimension of the insured vehicle obtained according to a specific conversion method into a subdivision code; and generate the query statement based on the converted subdivision code.

[0117] Wherein, the specific conversion method includes: converting the dimension value of the code value class into a subdivision code according to a preset correspondence between different dimension values of the code value class and the subdivision code; and converting the dimension value of the numerical class into a subdivision code in a manner of mapping the dimension value of the numerical class to a subdivision code represented as an interval range.

[0118] In an alternative embodiment, the device provided in the embodiments of the present application may further include: An insurance application element acquisition unit, configured to acquire basic insurance application elements of the insured vehicle; A basic premium determination unit, configured to determine the basic premium of the insured vehicle according to the basic insurance application elements.

[0119] By adopting the technical solution of the present application, it is possible to automatically determine the premium efficiently according to the specific information of the insured vehicle in combination with an effective pricing strategy, avoiding the problem of low efficiency existing in the traditional manual pricing method.

[0120] Embodiment 4 For the same inventive concept as the foregoing embodiments of the present application, Embodiment 4 of the present application provides a computing device to solve the problem of low efficiency existing in the existing premium pricing method for insured vehicles.

[0121] As Figure 3 shown, the computing device includes: a memory 31 and a processor 32. The memory 31 may be configured to store various other data to support operations on the electronic device. Examples of such data include instructions for any application or method for operating on the electronic device. The memory 31 may be implemented by any type of volatile or non-volatile storage device or a combination thereof, such as static random access memory (SRAM), electrically erasable programmable read-only memory (EEPROM), erasable programmable read-only memory (EPROM), programmable read-only memory (PROM), read-only memory (ROM), magnetic memory, flash memory, a magnetic disk or an optical disc.

[0122] The processor 32, coupled to the memory 31, is configured to execute a computer program stored in the memory 31 to perform a method for determining the premium of an insured vehicle described in Embodiment 1 of the present application.

[0123] When the processor 32 executes the computer program in the memory 31, in addition to the above functions, other functions may also be implemented. For specific details, reference may be made to the descriptions of the foregoing embodiments.

[0124] Further, as Figure 3 shown, the computing device further includes: a display 34, a communication component 33, a power supply component 35, an audio component 36, and other components. Figure 3 Only some components are schematically shown in [the figure], and it does not mean that the computing device only includes Figure 3 the components shown.

[0125] Correspondingly, an embodiment of the present application further provides a computer-readable storage medium storing a computer program, and when the computer program is executed by a computer, it can implement the methods provided in the above embodiments.

[0126] Correspondingly, an embodiment of the present application further provides a computer program product, the computer program product stores instructions, and when the instructions are executed by a computer, the computer implements the methods provided in the above embodiments. The device embodiments described above are merely illustrative. The units described as separate components may or may not be physically separated, and the components shown as units may or may not be physical units, that is, they may be located in one place, or may be distributed to multiple network units. Some or all of the modules can be selected according to actual needs to achieve the purpose of the solution of this embodiment. Those of ordinary skill in the art can understand and implement it without creative labor.

[0127] Through the description of the above embodiments, those skilled in the art can clearly understand that each embodiment can be implemented by means of software plus a necessary general hardware platform, and of course, it can also be implemented by hardware. Based on this understanding, the above technical solutions, in essence, or the part that contributes to the prior art, can be embodied in the form of a software product. The computer software product can be stored in a computer-readable storage medium, such as ROM / RAM, magnetic disk, optical disk, etc., and includes several instructions for causing a computer device (which can be a personal computer, a server, or a network device, etc.) to execute the methods described in each embodiment or some parts of the embodiments.

[0128] Finally, it should be noted that: the above embodiments are only used to illustrate the technical solutions of the present application, and are not intended to limit them; although the present application has been described in detail with reference to the foregoing embodiments, those of ordinary skill in the art should understand that: they can still modify the technical solutions recorded in the foregoing embodiments, or perform equivalent replacements on some of the technical features; and these modifications or replacements do not make the essence of the corresponding technical solutions deviate from the spirit and scope of the technical solutions of each embodiment of the present application.

Claims

1. A method for determining the insurance premium of an insured vehicle, characterized in that: include: Obtaining the identification of the insurance agency and the premium calculation date of the insured vehicle; According to the identifier and the premium calculation date, determining a version number associated with the identifier and having an associated validity period covering the premium calculation date; Determining, according to the version number, the policyholder dimension included in at least one pricing strategy having the version number; Obtaining the dimension value of the insured party dimension of the insured vehicle; The dimension value of the insured party dimension of the insured vehicle obtained is converted into a subdivision code according to a specific conversion method; wherein the specific conversion method includes: converting the dimension value of the code value class into a subdivision code according to a preset correspondence between different dimension values ​​of the code value class and the subdivision code; converting the dimension value of the numerical class into a subdivision code in a manner of mapping the dimension value of the numerical class to the subdivision code represented as an interval range; Based on the segmentation codes obtained by the conversion, a query statement for searching the target pricing strategy in the database is generated; By executing the query statement, the dimension value of the insurer dimension included in the target pricing strategy is queried from the database; The premium of the insured vehicle is determined based on the basic premium of the insured vehicle and the dimension value of the underwriter dimension.

2. A method for determining the insurance premium of an insured vehicle, characterized in that: include: Obtaining the dimension value of the insured party dimension of the insured vehicle; Generate a query statement for searching a target pricing strategy in a database according to the dimension value; By executing the query statement, the dimension value of the insurer dimension included in the target pricing strategy is queried from the database; The premium of the insured vehicle is determined based on the basic premium of the insured vehicle and the dimension value of the underwriter dimension.

3. The method according to claim 2, characterized in that The pricing strategy is a pricing strategy with a version number, and the version number is associated with the identification of the insurance institution and the validity period of the pricing strategy; then, obtaining the dimension value of the insured party dimension of the insured vehicle includes: Obtaining the identification of the insurance agency and the premium calculation date of the insured vehicle; According to the identifier and the premium calculation date, determining a version number associated with the identifier and having the associated validity period covering the premium calculation date; Determining, according to the version number, the policyholder dimension included in at least one pricing strategy having the version number; Obtain a dimension value of the insured party dimension included in the at least one pricing strategy of the insured vehicle.

4. The method according to claim 2, characterized in that According to the dimension value, a query statement for querying the target pricing strategy in the database is generated, including: The dimension value of the insured party dimension of the insured vehicle obtained is converted into a subdivision code according to a specific conversion method; wherein the specific conversion method includes: converting the dimension value of the code value class into a subdivision code according to a preset correspondence between different dimension values ​​of the code value class and the subdivision code; converting the dimension value of the numerical class into a subdivision code in a manner of mapping the dimension value of the numerical class to the subdivision code represented as an interval range; The query statement is generated based on the segmentation code obtained by conversion.

5. The method according to any one of claims 2 to 4, characterized in that: The method further comprises: Obtaining basic insurance elements of the insured vehicle; The basic insurance premium of the insured vehicle is determined based on basic insurance elements.

6. A device for determining the insurance premium of an insured vehicle, characterized in that: include: An identification and date acquisition unit, used to acquire the identification of the insurance institution and the premium calculation date of the insured vehicle; A version number determination unit, configured to determine, based on the identifier and the premium calculation date, a version number associated with the identifier and having an associated validity period covering the premium calculation date; A dimension determination unit, configured to determine, according to the version number, the policyholder dimension included in at least one pricing strategy having the version number; An insured party dimension value acquisition unit, used to acquire the dimension value of the insured party dimension of the insured vehicle; A conversion unit, configured to convert the acquired dimension value of the insured party dimension of the insured vehicle into a subdivision code according to a specific conversion method; wherein the specific conversion method includes: converting the dimension value of the code value class into a subdivision code according to a preset correspondence between different dimension values ​​of the code value class and the subdivision code; converting the dimension value of the numerical class into a subdivision code in a manner of mapping the dimension value of the numerical class to the subdivision code represented as an interval range; A query statement generating unit, used for generating a query statement for searching a target pricing strategy in a database based on the segmentation code obtained by the conversion; An insurer dimension value acquisition unit, configured to query the dimension value of the insurer dimension included in the target pricing strategy from a database by executing the query statement; The premium determination unit is used to determine the premium of the insured vehicle based on the basic premium of the insured vehicle and the dimension value of the underwriter dimension.

7. A device for determining the insurance premium of an insured vehicle, characterized in that: include: An insured party dimension value acquisition unit, used to acquire the dimension value of the insured party dimension of the insured vehicle; A query statement generating unit, used to generate a query statement for searching a target pricing strategy in a database according to the dimension value; An insurer dimension value acquisition unit, configured to query the dimension value of the insurer dimension included in the target pricing strategy from a database by executing the query statement; The premium determination unit is used to determine the premium of the insured vehicle based on the basic premium of the insured vehicle and the dimension value of the underwriter dimension.

8. A computing device, characterized in that include: Memory and processor, wherein: The memory is used to store computer programs; The processor is coupled to the memory and is used to execute the computer program stored in the memory to execute the method described in any one of claims 1 to 5.

9. A computer-readable storage medium storing a computer program, wherein the computer program can implement the method according to any one of claims 1 to 5 when executed by a computer.

10. A computer program product, characterized in that The computer program product stores instructions, which, when executed by a computer, enable the computer to implement the method according to any one of claims 1 to 5.

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