Quotation method and device based on rate table digital achievement, equipment and medium

Abstract

The invention provides a quotation method, device and equipment based on a rate table digital achievement, and a medium, and the method comprises the steps: carrying out the digital processing of a rate table, so as to obtain the rate table digital achievement; determining a pricing factor of a target term associated with the target insurance product based on the rate table digital result; determining an attribute value corresponding to each pricing factor based on the rate table digital result; determining a rate adjustment coefficient corresponding to each attribute value based on the rate table digital result; calculating and determining a target insurance premium based on the rate table digital result in combination with an insurance amount and a rate adjustment coefficient; and determining a quoted premium according to the target premium. By implementing the method disclosed by the invention, the automation degree of the quotation process can be effectively improved based on the rate table digital achievement, and the compliance of the obtained quotation result can be effectively improved.

Description

Technical Field

[0001] The present disclosure relates to the technical field of data processing, and in particular, to a quotation method, device, equipment, and medium based on the digitalization result of a rate table. Background Art

[0002] Currently, when configuring a quotation plan in the insurance field, usually, a plan configurator completes the configuration of contents such as the insured amount and the premium according to information such as the corresponding clause rate table, and subsequently, an auditor will also review whether the configured content meets the rate requirements of the rate table.

[0003] In this way, it has a high dependence on manual work and cannot ensure the compliance of the quotation result. Summary of the Invention

[0004] The present disclosure aims to at least solve one of the technical problems in the related art to some extent.

[0005] To this end, the purpose of the present disclosure is to propose a quotation method, device, computer equipment, and storage medium based on the digitalization result of a rate table, which can effectively improve the automation degree of the quotation process based on the digitalization result of the rate table and effectively improve the compliance of the obtained quotation result.

[0006] To achieve the above object, the quotation method based on the digitalization result of a rate table proposed in the first aspect embodiment of the present disclosure includes:

[0007] Digitally process the rate table to obtain the digitalization result of the rate table;

[0008] Determine the pricing factors of the target clause associated with the target insurance product based on the digitalization result of the rate table;

[0009] Determine the attribute value corresponding to each of the pricing factors based on the digitalization result of the rate table;

[0010] Determine the rate adjustment coefficient corresponding to each of the attribute values based on the digitalization result of the rate table;

[0011] Calculate and determine the target premium based on the digitalization result of the rate table in combination with the insured amount and the rate adjustment coefficient;

[0012] Determine the quotation premium according to the target premium.

[0013] To achieve the above object, the quotation device based on the digitalization result of a rate table proposed in the second aspect embodiment of the present disclosure includes:

[0014] A processing module, configured to digitally process the rate table to obtain the digitalization result of the rate table;

[0015] The first determination module is configured to determine the pricing factors of the target terms associated with the target insurance product based on the digitalization result of the rate table;

[0016] The second determination module is configured to determine the attribute value corresponding to each of the pricing factors based on the digitalization result of the rate table;

[0017] The third determination module is configured to determine the rate adjustment coefficient corresponding to each of the attribute values based on the digitalization result of the rate table;

[0018] The fourth determination module is configured to calculate and determine the target premium based on the digitalization result of the rate table in combination with the insurance amount and the rate adjustment coefficient;

[0019] The fifth determination module is configured to determine the quoted premium according to the target premium.

[0020] The computer device provided in the third aspect embodiment of the present disclosure includes: a memory, a processor, and a computer program stored on the memory and executable on the processor. When the processor executes the program, it implements the quotation method based on the digitalization result of the rate table proposed in the first aspect embodiment of the present disclosure.

[0021] The fourth aspect embodiment of the present disclosure proposes a non-transitory computer-readable storage medium, on which a computer program is stored. When the program is executed by a processor, it implements the quotation method based on the digitalization result of the rate table proposed in the first aspect embodiment of the present disclosure.

[0022] The fifth aspect embodiment of the present disclosure proposes a computer program product. When the instructions in the computer program product are executed by a processor, they execute the quotation method based on the digitalization result of the rate table proposed in the first aspect embodiment of the present disclosure.

[0023] The quotation method, device, computer device, and storage medium provided by the present disclosure, through digitalizing the rate table to obtain the digitalization result of the rate table; determining the pricing factors of the target terms associated with the target insurance product based on the digitalization result of the rate table; determining the attribute value corresponding to each pricing factor based on the digitalization result of the rate table; determining the rate adjustment coefficient corresponding to each attribute value based on the digitalization result of the rate table; calculating and determining the target premium based on the digitalization result of the rate table in combination with the insurance amount and the rate adjustment coefficient; and determining the quoted premium according to the target premium. Thereby, it can effectively improve the automation degree of the quotation process based on the digitalization result of the rate table and effectively improve the compliance of the obtained quotation result.

[0024] The additional aspects and advantages of the present disclosure will be partly given in the following description, partly become obvious from the following description, or be understood through the practice of the present disclosure. Description of the Drawings

[0025] The above and / or additional aspects and advantages of the present disclosure will become apparent and be readily understood from the following description of embodiments in conjunction with the accompanying drawings, where:

[0026] Figure 1 FIG. 5 is a schematic flowchart of a quotation method based on the digitalization result of a rate table according to an embodiment of the present disclosure;

[0027] Figure 2 FIG. 9 is a schematic flowchart of a quotation configuration according to the present disclosure;

[0028] Figure 3 FIG. 13 is a schematic diagram of a term selection interface according to the present disclosure;

[0029] Figure 4 FIG. 17 is a schematic diagram of an interface for determining pricing elements according to the present disclosure;

[0030] Figure 5 FIG. 21 is a schematic diagram of an interface for entering pricing elements according to the present disclosure;

[0031] Figure 6 FIG. 25 is a schematic diagram of an interface for displaying the premium calculation result according to the present disclosure;

[0032] Figure 7 FIG. 29 is a schematic diagram of an interface for determining a rate adjustment coefficient according to the present disclosure;

[0033] Figure 8 FIG. 33 is a schematic diagram of a rigid control interface according to the present disclosure;

[0034] Figure 9 FIG. 37 is a schematic structural diagram of a quotation device based on the digitalization result of a rate table according to an embodiment of the present disclosure;

[0035] Figure 10 FIG. 41 shows a block diagram of an exemplary computer device suitable for implementing the embodiments of the present disclosure. Detailed Embodiments

[0036] Embodiments of the present disclosure will be described in detail below. Examples of the embodiments are shown in the accompanying drawings, where the same or similar reference numerals denote the same or similar elements or elements having the same or similar functions throughout. The embodiments described below with reference to the accompanying drawings are exemplary only for explaining the present disclosure and should not be construed as limiting the present disclosure. On the contrary, the embodiments of the present disclosure include all variations, modifications, and equivalents falling within the spirit and scope of the appended claims.

[0037] Figure 1 FIG. 50 is a schematic flowchart of a quotation method based on the digitalization result of a rate table according to an embodiment of the present disclosure.

[0038] It should be noted that the execution subject of the quotation method based on the digitalized result of the rate table in this embodiment is a quotation device based on the digitalized result of the rate table. This device can be implemented in software and / or hardware, and can be configured in a computer device, which can include but is not limited to a terminal, a server, etc. For example, the terminal can be a mobile phone, a personal digital assistant, etc.

[0039] As Figure 1 shown, the quotation method based on the digitalized result of the rate table includes:

[0040] S101: Digitally process the rate table to obtain the digitalized result of the rate table.

[0041] The rate table refers to a series of insurance premium standards set by an insurance company according to different insurance products, characteristics of the insured, and risk situations. It is usually listed in a table form, describing the premium amounts that the insured needs to pay under different circumstances.

[0042] The digitalized result of the rate table refers to the result obtained after digitally processing the rate table. This digitalized result of the rate table may include one or more digitalized tables related to the rate table.

[0043] In the embodiment of the present disclosure, when digitally processing the rate table to obtain the digitalized result of the rate table, it can provide a reliable execution basis for the subsequent quotation processing.

[0044] S102: Determine the pricing factors of the target terms associated with the target insurance product based on the digitalized result of the rate table.

[0045] The target insurance product refers to the insurance product to be quoted in the embodiment of the present disclosure. In the embodiment of the present disclosure, the type and quantity of the target insurance product are not limited.

[0046] The target term may refer to an insurance term associated with the above target insurance product.

[0047] The pricing factor may refer to an element that affects the final quotation result of the target insurance product.

[0048] Optionally, in some embodiments, the digitalized result of the rate table includes a clause calculation factor table for storing factor information under the clause. When determining the pricing factors of the target terms associated with the target insurance product based on the digitalized result of the rate table, it may be: determining the pricing factors of the target terms associated with the target insurance product based on the clause calculation factor table. Thus, the pricing factors of the target terms associated with the target insurance product can be accurately and quickly determined based on the clause calculation factor table, effectively improving the reliability of the pricing factor determination process.

[0049] S103: Determine the attribute value corresponding to each pricing factor based on the digitalization result of the rate table.

[0050] Among them, the attribute value can be used to describe the attribute situation of the insured user corresponding to the pricing factor. For example, when the pricing factor is age, the corresponding attribute value is the current age value of the user.

[0051] Optionally, in some embodiments, the digitalization result of the rate table includes a factor table and a clause calculation decision table. The factor table contains all-factor data, and the clause calculation decision table is used to store the corresponding values between factors. Among them, when determining the attribute value corresponding to each pricing factor based on the digitalization result of the rate table, it can be: determining the attribute value corresponding to each pricing factor based on the factor table and the clause calculation decision table. Thus, the rapid determination of the attribute value corresponding to the pricing factor can be realized by combining the factor table and the clause calculation decision table, thereby ensuring the reliability of the obtained attribute value.

[0052] For example, in the embodiments of the present disclosure, it can be determined whether the element is a drop-down selection according to the factor table CPZX_Dfactor, and the options can be obtained according to the clause calculation decision table CPZX_DclauseDecisionTable, etc.

[0053] S104: Determine the rate adjustment coefficient corresponding to each attribute value based on the digitalization result of the rate table.

[0054] Among them, the rate adjustment coefficient refers to a coefficient used to adjust the basic rate in the insurance pricing process, usually adjusted according to different risk factors or specific conditions. The role of this coefficient is to modify the basic rate according to factors such as the specific situation of the insured or the market environment, so as to more accurately reflect the risk and reasonably price.

[0055] Optionally, in some embodiments, the digitalization result of the rate table includes a clause calculation factor table, a clause calculation factor relationship table, and a clause calculation decision table. The clause calculation factor table is used to store factor information under clauses, the clause calculation factor relationship table is used to store the relationships between factors, and the clause calculation decision table is used to store the corresponding values between factors. Among them, when determining the rate adjustment coefficient corresponding to each attribute value based on the digitalization result of the rate table, it can be: determining the matching relationship between the attribute value and the pricing factor according to the clause calculation factor table; determining the rate adjustment coefficient corresponding to the attribute value according to the clause calculation factor relationship table and the clause calculation decision table. Thus, the rapid matching of the attribute value and the corresponding rate adjustment coefficient can be realized by combining the factor table, the clause calculation factor relationship table, and the clause calculation decision table.

[0056] S105: Calculate and determine the target premium based on the digitalization result of the rate table in combination with the insurance amount and the rate adjustment coefficient.

[0057] Among them, the insurance amount may refer to the maximum amount that the insurance company agrees to pay to the policyholder or beneficiary in accordance with the contract agreement in the event of an insurance accident.

[0058] Among them, the target premium refers to the premium information determined based on the digitalization results of the rate table in the embodiments of the present disclosure.

[0059] Optionally, in some embodiments, the digitalization results of the rate table include a clause calculation formula table, which is used to store the calculation formulas of the clauses; among them, when calculating and determining the target premium based on the digitalization results of the rate table in combination with the insurance amount and the rate adjustment coefficient, it may be: calculating and determining the target premium based on the clause calculation formula table in combination with the insurance amount and the rate adjustment coefficient. Thus, the rapid calculation of the target premium can be realized in combination with the clause calculation formula table.

[0060] Optionally, in some embodiments, the digitalization results of the rate table include a clause short-term rate table, which is used to store the short-term rates of the clauses; among them, when calculating and determining the target premium based on the clause calculation formula table in combination with the insurance amount and the rate adjustment coefficient, it may be: calculating and determining the reference premium based on the clause calculation formula table in combination with the insurance amount and the rate adjustment coefficient; if the target clause is a long-term clause, then the reference premium is used as the target premium; if the target clause is a short-term clause, then the target premium is determined based on the clause short-term rate table and the reference premium. Thus, the corresponding target premiums can be flexibly determined for long-term clauses and short-term clauses respectively, thereby effectively improving the applicability of the obtained target premiums.

[0061] S106: Determine the quoted premium according to the target premium.

[0062] Optionally, in some embodiments, the target premium includes: the benchmark premium, the bottom-line premium, and the maximum premium; among them, when determining the quoted premium according to the target premium, it may be: determining the quoted premium based on the benchmark premium, the bottom-line premium, and the maximum premium; if the quoted premium is lower than the bottom-line premium, or the quoted premium is higher than the maximum premium, then rigid control is carried out. Thus, the compliance of the quoting process can be further improved.

[0063] In this embodiment, by digitally processing the rate table to obtain the digitalization results of the rate table; determining the pricing factors of the target clauses associated with the target insurance products based on the digitalization results of the rate table; determining the attribute values corresponding to each pricing factor based on the digitalization results of the rate table; determining the rate adjustment coefficients corresponding to each attribute value based on the digitalization results of the rate table; calculating and determining the target premium based on the digitalization results of the rate table in combination with the insurance amount and the rate adjustment coefficient; determining the quoted premium according to the target premium. Thus, the automation degree of the quoting process can be effectively improved based on the digitalization results of the rate table, and the compliance of the obtained quoting results can be effectively improved.

[0064] Based on the digitization of the rate table, the present disclosure constructs a relatively accurate quotation method. The configuration process of the quotation plan is as Figure 2 shown. Figure 2 is a schematic diagram of the quotation configuration process proposed according to the present disclosure, which includes the following steps:

[0065] ① Select terms.

[0066] When configuring the plan, select information such as the product and the corresponding terms. As Figure 3 shown. Figure 3 is a schematic diagram of the term selection interface proposed according to the present disclosure.

[0067] ② Bring out pricing elements.

[0068] According to the selected terms, query the rate table data of the corresponding terms and bring out the elements and control rules. That is, find the pricing factors involved in this term in the term calculation factor table CPZX_DclauseFactor according to the term code, and then determine the attributes of the factor based on the factor table CPZX_Dfactor and the term calculation decision table CPZX_DclauseDecisionTable (for example, it can be judged whether the element is a drop-down selection according to the factor table CPZX_Dfactor, and what the options are can be obtained according to the term calculation decision table CPZX_DclauseDecisionTable). As Figure 4 shown. Figure 4 is a schematic diagram of the pricing element determination interface proposed according to the present disclosure.

[0069] ③ Select / enter.

[0070] Select / enter in the pricing elements according to information such as the object orientation of the plan, and at the same time enter information such as the corresponding insured amount and limit. As Figure 5 shown. Figure 5 is a schematic diagram of the pricing element entry interface proposed according to the present disclosure.

[0071] ④ Automatic calculation stage.

[0072] The system will bring the values selected / entered by the configurator into the rate table, match the corresponding factors according to the clause calculation factor table CPZX_DclauseFactor, match the values (or ranges) of the correlation coefficients according to the clause calculation factor relationship table CPZX_DclauseFactorRelaship and the clause calculation decision table CPZX_DclauseDecisionTable, and then obtain the range of the final premium according to the clause calculation formula table CPZX_DclauseFormula, that is, the benchmark premium, the bottom-line premium, and the maximum premium (if the plan is for less than one year, the corresponding short-term rate will be obtained according to the clause short-term rate table CPZX_DclauseShortRate and participate in the calculation). In addition, you can also click on the quote details to view the quote situation. As Figure 6 and Figure 7 shown Figure 6 is a schematic diagram of the premium calculation result interface proposed according to the present disclosure, Figure 7 is a schematic diagram of the rate adjustment coefficient determination interface proposed according to the present disclosure.

[0073] ⑤ Rigid control.

[0074] When the plan configurator configures the corresponding premium, the quote discount rate will be automatically calculated. If it exceeds the maximum premium or is lower than the minimum premium, it will trigger forced control and saving is not allowed. As Figure 8 shown Figure 8 is a schematic diagram of the rigid control interface proposed according to the present disclosure. Among them, the configured premium is 28, which is less than the bottom-line premium of 31.92, so rigid control will be triggered.

[0075] For example, among them,

[0076] ① CPZX_Dfactor factor table

[0077] The basic factor table is used for users to query influencing factors. This factor pool contains all factor data (i.e., all factors affecting premium calculation), as shown in Table 1, and can be obtained by sorting by business personnel.

[0078] Table 1

[0079]

[0080]

[0081] ② CPZX_DclauseFactor clause calculation factor table

[0082] It is used to store factor information under clauses, facilitating the display and logical processing of factors in the clause rate table. The clause calculation factor table can be as shown in Table 2:

[0083] Table 2

[0084]

[0085]

[0086]

[0087] ③ CPZX_DclauseFormula Clause Calculation Formula Table

[0088] Used to store the calculation formula of the clause and display it in the rate table calculation formula module. For example, this clause calculation formula table can be shown as Table 3:

[0089] Table 3

[0090]

[0091]

[0092] ④ CPZX_DclauseFactorRelaship Clause Calculation Factor Relationship Table

[0093] Used to store the relationship between factors. For example, the insurance amount adjustment coefficient is affected by the insurance amount. This table will store the corresponding relationship between the "insurance amount adjustment coefficient" factor and the "insurance amount". For example, this clause calculation factor relationship table can be shown as Table 4:

[0094] Table 4

[0095]

[0096]

[0097] ⑤ CPZX_DclauseDecisionTable Clause Calculation Decision Table

[0098] Used to store the corresponding values between factors, usually used in combination with ④. For example, when the insurance amount is [0, 20000], the insurance amount adjustment coefficient is 0.7, and the corresponding data will be recorded here. For example, this clause calculation decision table can be shown as Table 5:

[0099] Table 5

[0100]

[0101] ⑥ CPZX_DclauseShortRate Clause Short Rate Table

[0102] Used to store the short rate of the clause and display it in the rate table short rate module. For example, this clause short rate table can be shown as Table 6:

[0103] Table 6

[0104]

[0105] Figure 9 is a schematic structural diagram of a quotation device based on the digitalization result of a rate table proposed in an embodiment of the present disclosure. As Figure 9 shown, the quotation device 90 based on the digitalization result of the rate table includes:

[0106] A processing module 901, configured to perform digital processing on the rate table to obtain a digitalization result of the rate table;

[0107] A first determination module 902, configured to determine a pricing factor of a target clause associated with a target insurance product based on the digitalization result of the rate table;

[0108] A second determination module 903, configured to determine an attribute value corresponding to each pricing factor based on the digitalization result of the rate table;

[0109] A third determination module 904, configured to determine a rate adjustment coefficient corresponding to each attribute value based on the digitalization result of the rate table;

[0110] A fourth determination module 905, configured to calculate and determine a target premium based on the digitalization result of the rate table in combination with the insurance amount and the rate adjustment coefficient;

[0111] A fifth determination module 906, configured to determine a quoted premium according to the target premium.

[0112] It should be noted that the foregoing explanation of the quotation method based on the digitalization result of the rate table also applies to the quotation device based on the digitalization result of the rate table in this embodiment, and will not be elaborated here.

[0113] In this embodiment, by performing digital processing on the rate table to obtain a digitalization result of the rate table; determining a pricing factor of a target clause associated with a target insurance product based on the digitalization result of the rate table; determining an attribute value corresponding to each pricing factor based on the digitalization result of the rate table; determining a rate adjustment coefficient corresponding to each attribute value based on the digitalization result of the rate table; calculating and determining a target premium based on the digitalization result of the rate table in combination with the insurance amount and the rate adjustment coefficient; and determining a quoted premium according to the target premium. Thus, the automation degree of the quotation process can be effectively improved based on the digitalization result of the rate table, and the compliance of the obtained quotation result can be effectively improved.

[0114] Figure 10 shows a block diagram of an exemplary computer device suitable for use in implementing the embodiments of the present disclosure. Figure 10The computer device 12 shown is merely an example and should not impose any limitation on the functions and scope of use of the embodiments of the present disclosure.

[0115] As Figure 10 shown, the computer device 12 appears in the form of a general-purpose computing device. The components of the computer device 12 may include, but are not limited to: one or more processors or processing units 16, a system memory 28, and a bus 18 that connects different system components (including the system memory 28 and the processing unit 16).

[0116] The bus 18 represents one or more of several types of bus architectures, including a memory bus or memory controller, a peripheral bus, a graphics acceleration port, a processor, or a local bus using any of the various bus architectures. By way of example, these architectures include, but are not limited to, Industry Standard Architecture (ISA) bus, Micro Channel Architecture (MAC) bus, Enhanced ISA bus, Video Electronics Standards Association (VESA) local bus, and Peripheral Component Interconnection (PCI) bus.

[0117] The computer device 12 typically includes a variety of computer system-readable media. These media can be any available media accessible by the computer device 12, including volatile and non-volatile media, removable and non-removable media.

[0118] The memory 28 may include computer system-readable media in the form of volatile memory, such as random access memory (RAM) 30 and / or cache memory 32. The computer device 12 may further include other removable / non-removable, volatile / non-volatile computer system storage media. By way of example only, the storage system 34 can be used to read and write non-removable, non-volatile magnetic media ( Figure 10 not shown, commonly referred to as a "hard disk drive").

[0119] Although Figure 10Not shown in the figure, a disk drive for reading and writing a removable non-volatile disk (such as a "floppy disk") and an optical disk drive for reading and writing a removable non-volatile optical disk (such as: Compact Disc Read Only Memory (hereinafter referred to as: CD-ROM), Digital Video Disc Read Only Memory (hereinafter referred to as: DVD-ROM) or other optical media) may be provided. In these cases, each drive may be connected to the bus 18 through one or more data medium interfaces. The memory 28 may include at least one program product having a set (such as at least one) of program modules configured to perform the functions of the embodiments of the present disclosure.

[0120] A program / utility 40 having a set (at least one) of program modules 42 may be stored, for example, in the memory 28. Such program modules 42 include, but are not limited to, an operating system, one or more application programs, other program modules, and program data. An implementation of a network environment may be included in each or some combination of these examples. The program modules 42 generally execute the functions and / or methods in the embodiments described in the present disclosure.

[0121] The computer device 12 may also communicate with one or more external devices 14 (such as a keyboard, a pointing device, a display 24, etc.), and may also communicate with one or more devices that enable a human body to interact with the computer device 12, and / or communicate with any device that enables the computer device 12 to communicate with one or more other computing devices (such as a network card, a modem, etc.). Such communication may be carried out through the input / output (I / O) interface 22. In addition, the computer device 12 may also communicate with one or more networks (such as a Local Area Network (hereinafter referred to as: LAN), a Wide Area Network (hereinafter referred to as: WAN), and / or a public network, such as the Internet) through the network adapter 20. As shown in the figure, the network adapter 20 communicates with other modules of the computer device 12 through the bus 18. It should be understood that although not shown in the figure, other hardware and / or software modules may be used in combination with the computer device 12, including but not limited to: microcode, device drivers, redundant processing units, external disk drive arrays, RAID systems, tape drives, and data backup storage systems, etc.

[0122] The processing unit 16 executes various functional applications and data processing by running the programs stored in the system memory 28, such as implementing the quotation method based on the digitalization results of the rate table mentioned in the foregoing embodiments.

[0123] To implement the above embodiments, the present disclosure also provides a non - transitory computer - readable storage medium, on which a computer program is stored. When the program is executed by a processor, it implements the quotation method based on the digitalization results of the rate table as proposed in the foregoing embodiments of the present disclosure.

[0124] To implement the above embodiments, the present disclosure also provides a computer program product. When the instructions in the computer program product are executed by a processor, it executes the quotation method based on the digitalization results of the rate table as proposed in the foregoing embodiments of the present disclosure.

[0125] After considering the specification and practicing the invention disclosed herein, those skilled in the art will readily conceive of other embodiments of the present disclosure. The present disclosure is intended to cover any variations, uses, or adaptations of the present disclosure, which follow the general principles of the present disclosure and include known common knowledge or conventional technical means in the technical field not disclosed in the present disclosure. The specification and embodiments are only regarded as exemplary, and the true scope and spirit of the present disclosure are pointed out by the following claims.

[0126] It should be understood that the present disclosure is not limited to the exact structures described above and shown in the drawings, and various modifications and changes can be made without departing from its scope. The scope of the present disclosure is only limited by the appended claims.

[0127] It should be noted that in the description of the present disclosure, the terms "first", "second", etc. are only used for descriptive purposes and cannot be construed as indicating or implying relative importance. In addition, in the description of the present disclosure, unless otherwise specified, the meaning of "a plurality of" is two or more.

[0128] Any process or method description in the flowchart or described in other ways herein can be understood as representing a module, segment, or part of code including one or more executable instructions for implementing a specific logical function or process. The scope of the preferred embodiments of the present disclosure includes additional implementations, where the functions can be executed in a manner not shown or discussed, including in a substantially simultaneous manner according to the functions involved or in a reverse order, which should be understood by those skilled in the art in the technical field to which the embodiments of the present disclosure belong.

[0129] It should be understood that various parts of the present disclosure can be implemented by hardware, software, firmware, or a combination thereof. In the above embodiments, multiple steps or methods can be implemented by software or firmware stored in a memory and executed by a suitable instruction execution system. For example, if implemented by hardware, as in another embodiment, any one or a combination of the following techniques well known in the art can be used: discrete logic circuits having logic gate circuits for implementing logic functions on data signals, application specific integrated circuits having appropriate combinational logic gate circuits, programmable gate arrays (PGAs), field programmable gate arrays (FPGAs), etc.

[0130] Those of ordinary skill in the art can understand that all or part of the steps carried by the methods of the above embodiments can be completed by instructing relevant hardware through a program. The said program can be stored in a computer-readable storage medium. When the program is executed, it includes one or a combination of the steps of the method embodiments.

[0131] In addition, in each of the embodiments of the present disclosure, the functional units can be integrated into a processing module, or each unit can exist physically alone, or two or more units can be integrated into one module. The above-mentioned integrated module can be implemented in the form of hardware or in the form of a software functional module. When the integrated module is implemented in the form of a software functional module and sold or used as an independent product, it can also be stored in a computer-readable storage medium.

[0132] The above-mentioned storage medium can be a read-only memory, a magnetic disk, an optical disk, etc.

[0133] In the description of this specification, the descriptions referring to terms such as "one embodiment", "some embodiments", "example", "specific example", or "some examples" etc. mean that the specific features, structures, materials, or characteristics described in connection with the embodiment or example are included in at least one embodiment or example of the present disclosure. In this specification, the schematic representations of the above terms are not necessarily referring to the same embodiment or example. Moreover, the specific features, structures, materials, or characteristics described can be combined in a suitable manner in any one or more embodiments or examples.

[0134] Although the embodiments of the present disclosure have been shown and described above, it can be understood that the above embodiments are exemplary and should not be construed as limitations to the present disclosure. Those of ordinary skill in the art can make changes, modifications, substitutions, and variations to the above embodiments within the scope of the present disclosure.

Claims

1. A quotation method based on the digital achievements of the rate table, characterized in that, Including: Digitize the rate table to obtain the digital result of the rate table; Determine the pricing factors of the target terms associated with the target insurance product based on the digital result of the rate table; Determine the attribute values corresponding to each of the pricing factors based on the digital result of the rate table; Determine the rate adjustment coefficients corresponding to each of the attribute values based on the digital result of the rate table; Calculate and determine the target premium based on the digital result of the rate table in combination with the insurance amount and the rate adjustment coefficients; Determine the quoted premium according to the target premium.

2. The method according to claim 1, wherein The digital result of the rate table includes a clause calculation factor table, which is used to store factor information under the clause; Among them, the determining the pricing factors of the target terms associated with the target insurance product based on the digital result of the rate table includes: Determining the pricing factors of the target terms associated with the target insurance product based on the clause calculation factor table.

3. The method according to claim 1, characterized in that, The digital result of the rate table includes a factor table and a clause calculation decision table. The factor table contains all-factor data, and the clause calculation decision table is used to store the corresponding values between factors; Among them, the determining the attribute values corresponding to each of the pricing factors based on the digital result of the rate table includes: Determining the attribute values corresponding to each of the pricing factors based on the factor table and the clause calculation decision table.

4. The method according to claim 1, characterized in that, The digital result of the rate table includes a clause calculation factor table, a clause calculation factor relationship table, and a clause calculation decision table. The clause calculation factor table is used to store factor information under the clause, the clause calculation factor relationship table is used to store the relationships between factors, and the clause calculation decision table is used to store the corresponding values between factors; Among them, the determining the rate adjustment coefficients corresponding to each of the attribute values based on the digital result of the rate table includes: Determine the matching relationship between the attribute value and the pricing factor according to the clause calculation factor table; Determine the rate adjustment coefficients corresponding to the attribute value according to the clause calculation factor relationship table and the clause calculation decision table.

5. The method according to claim 1, characterized in that, The digital result of the rate table includes a clause calculation formula table, which is used to store the calculation formulas of the clauses; Among them, the calculating and determining the target premium based on the digital result of the rate table in combination with the insurance amount and the rate adjustment coefficients includes: Calculating and determining the target premium based on the clause calculation formula table in combination with the insurance amount and the rate adjustment coefficients.

6. The method according to claim 5, wherein The digital result of the rate table includes a clause short-term rate table, which is used to store the short-term rates of the clauses; Among them, the calculating and determining the target premium based on the clause calculation formula table in combination with the insurance amount and the rate adjustment coefficients includes: Calculating and determining the reference premium based on the clause calculation formula table in combination with the insurance amount and the rate adjustment coefficients; If the target clause is a long-term clause, then use the reference premium as the target premium; If the target clause is a short-term clause, then determine the target premium based on the clause short-term rate table and the reference premium.

7. The method according to claim 1, characterized in that The target premium includes: benchmark premium, bottom-line premium, and maximum premium; Among them, determining the quoted premium according to the target premium includes: Determining the quoted premium based on the benchmark premium, the bottom-line premium, and the maximum premium; If the quoted premium is lower than the bottom-line premium or higher than the maximum premium, rigid control is performed.

8. A quotation device based on the digitalization result of a rate table, characterized in that, It includes: A processing module for digitally processing the rate table to obtain the digital result of the rate table; A first determination module for determining the pricing factors of the target terms associated with the target insurance product based on the digital result of the rate table; A second determination module for determining the attribute value corresponding to each of the pricing factors based on the digital result of the rate table; A third determination module for determining the rate adjustment coefficient corresponding to each of the attribute values based on the digital result of the rate table; A fourth determination module for calculating and determining the target premium based on the digital result of the rate table in combination with the insured amount and the rate adjustment coefficient; A fifth determination module for determining the quoted premium according to the target premium.

9. A computer device, characterized in that, It includes: At least one processor; And A memory communicatively connected to the at least one processor; wherein, The memory stores instructions executable by the at least one processor, and the instructions are executed by the at least one processor so that the at least one processor can execute the method according to any one of claims 1-7.

10. A non-transitory computer-readable storage medium storing computer instructions, characterized in that, Among them, The computer instructions are used to cause the computer to execute the method according to any one of claims 1-7.

11. A computer program product, characterized in that, It includes a computer program which, when executed by a processor, implements the steps of the method according to any one of claims 1-7.

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