Internet insurance policy delivery method, device and equipment based on big data, and medium

Abstract

The invention discloses an internet insurance policy delivery method based on big data. The method comprises the steps of obtaining internet insurance policy data corresponding to at least one delivery platform and financial data corresponding to the internet insurance policy data; performing cost analysis on the Internet insurance policy data, and determining a first insurance policy cost rate corresponding to the Internet insurance policy data; carrying out attribute extraction on the Internet insurance policy data, determining an insurance policy service attribute corresponding to the Internet insurance policy data, and determining a second insurance policy cost rate corresponding to the Internet insurance policy data based on the insurance policy service attribute and the financial data; based on the first insurance policy cost rate and the second insurance policy cost rate, determining a comprehensive insurance policy cost rate corresponding to the delivery platform; and based on the comprehensive insurance policy cost rate and the insurance policy service attribute, determining an Internet delivery strategy corresponding to the Internet insurance policy data. According to the method, the comprehensive insurance policy cost rate of the Internet insurance policy is determined from multiple dimensions, the accuracy of the Internet insurance policy cost rate is improved, and scientific allocation of the share of the Internet insurance policy of each delivery platform is realized.

Description

TECHNICAL FIELD

[0001] The present application relates to the technical field of big data and the field of financial technology, and in particular to an internet insurance policy putting method and device based on big data, equipment and medium. BACKGROUND

[0002] With the development of internet technology, internet business has become an important source of property insurance premium. With the growth of internet premium, the cost rate needs to be accurately analyzed to help insurance companies develop a reasonable insurance policy putting plan.

[0003] However, due to the large amount of internet insurance policy business and the small average amount of insurance policy premium, the statistical model cannot be directly used to determine the cost rate of the internet, and only rough statistics of batches of internet insurance policies can be made, which makes it impossible for the insurance company to accurately analyze the putting effect of various insurance policies on different putting platforms and to realize accurate putting of internet insurance policies. SUMMARY

[0004] The embodiments of the present application provide an internet insurance policy putting method, device, equipment and medium based on big data to solve the problem that the determined cost rate of a single internet insurance policy is inaccurate, and then the insurance policy putting plan cannot be reasonably developed.

[0005] In a first aspect, the present disclosure provides an internet insurance policy putting method based on big data, comprising: obtaining internet insurance policy data corresponding to at least one putting platform and financial data corresponding to the internet insurance policy data; performing cost analysis on the internet insurance policy data to determine a first insurance policy cost rate corresponding to the internet insurance policy data; extracting the mechanical energy attribute of the internet insurance policy data to determine the insurance business attribute corresponding to the internet insurance policy data; determining a second insurance policy cost rate corresponding to the internet insurance policy data based on the insurance business attribute and the financial data; determining a comprehensive insurance policy cost rate corresponding to the putting platform based on the first insurance policy cost rate and the second insurance policy cost rate; determining an internet putting strategy corresponding to the internet insurance policy data based on the comprehensive insurance policy cost rate and the insurance business attribute.

[0006] In a second aspect, the present disclosure provides an internet insurance policy putting device based on big data, comprising: an acquisition module configured to obtain internet insurance policy data corresponding to at least one putting platform and financial data corresponding to the internet insurance policy data; a first determination module configured to perform cost analysis on the internet insurance policy data to determine a first insurance policy cost rate corresponding to the internet insurance policy data; The second determining module is configured to perform cost analysis on the Internet insurance policy data, determine the policy business attribute corresponding to the Internet insurance policy data, and determine the second policy cost rate corresponding to the Internet insurance policy data based on the policy business attribute and the financial data; The third determining module is configured to determine the comprehensive policy cost rate corresponding to the delivery platform based on the first policy cost rate and the second policy cost rate. The delivery module is configured to determine the Internet delivery strategy corresponding to the Internet insurance policy data based on the comprehensive policy cost rate and the policy business attribute.

[0007] In a third aspect, the present disclosure provides a computer device, which comprises a memory, a processor, and a computer program stored in the memory and executable on the processor, and the processor implements the above-mentioned big data-based Internet insurance policy delivery method when executing the computer program. In a fourth aspect, the present disclosure provides a computer-readable storage medium, which stores a computer program, and the computer program implements the above-mentioned big data-based Internet insurance policy delivery method when executed by a processor.

[0008] In the above-mentioned big data-based Internet insurance policy delivery method, device, equipment and medium, the Internet insurance policy data corresponding to at least one delivery platform and the financial data corresponding to the Internet insurance policy data are obtained, the cost analysis on the Internet insurance policy data is performed, the first policy cost rate corresponding to the Internet insurance policy data is determined, the attribute extraction on the Internet insurance policy data is performed, the policy business attribute corresponding to the Internet insurance policy data is determined, the policy business attribute and the financial data are combined for analysis, the second policy cost rate corresponding to the Internet insurance policy data is determined, the first policy cost rate and the second policy cost rate are combined to obtain the comprehensive policy cost rate with the delivery platform attribute, and finally, the comprehensive policy cost rate with the delivery platform attribute and the policy business attribute with the Internet insurance policy self-characteristics are analyzed to determine the Internet delivery strategy corresponding to the Internet insurance policy data. In the present disclosure, the Internet insurance policy data is fitted with the financial data by using the logic of financial statistical cost according to the characteristics of large Internet insurance policy volume and small average insurance premium amount, the first policy cost rate with the Internet insurance policy business attribute characteristics and the second policy cost rate with the Internet insurance policy financial attribute characteristics are determined, the comprehensive policy cost rate with the delivery platform characteristics is obtained according to the first policy cost rate and the second policy cost rate, the comprehensive policy cost rate of the Internet insurance policy is determined from multiple dimensions, the accuracy of the Internet insurance policy cost rate is improved, and the comprehensive policy cost rate and the policy business attribute are combined to analyze the Internet delivery strategy corresponding to the Internet insurance policy data from the policy business attribute and the delivery platform and other finer granularity, and the reasonable formulation of the insurance policy delivery plan is realized. BRIEF DESCRIPTION OF DRAWINGS

[0009] In order to more clearly illustrate the technical solutions of the embodiments of the present application, the drawings needed to be used in the description of the embodiments of the present application will be briefly introduced. Obviously, the drawings in the following description are only some embodiments of the present application, and other drawings can be obtained by those skilled in the art without any creative effort on the basis of these drawings.

[0010] Figure 1 is a flow chart of an internet insurance policy putting method based on big data in an embodiment of the present application; Figure 2 is another flow chart of an internet insurance policy putting method based on big data in an embodiment of the present application; Figure 3 is another flow chart of an internet insurance policy putting method based on big data in an embodiment of the present application; Figure 4 is another flow chart of an internet insurance policy putting method based on big data in an embodiment of the present application; Figure 5 is another flow chart of an internet insurance policy putting method based on big data in an embodiment of the present application; Figure 6 is another flow chart of an internet insurance policy putting method based on big data in an embodiment of the present application; Figure 7 is another flow chart of an internet insurance policy putting method based on big data in an embodiment of the present application; Figure 8 is a principle block diagram of an internet insurance policy putting device based on big data in an embodiment of the present application; Figure 9 is a principle block diagram of a computer device in an embodiment of the present application. DETAILED DESCRIPTION

[0011] The internet insurance policy putting method based on big data provided by the embodiments of the present application can be applied in the application environment as shown in Figure 1 , including the client and the server as shown in Figure 1 , the client and the server communicate through the network to determine the internet putting strategy of each internet insurance policy. The client, also known as the user end, is a program corresponding to the server, which provides local service for the client. The client can be installed on, but not limited to, various personal computers, notebook computers, smart phones, tablet computers and portable wearable devices. The server can be realized by an independent server or a server cluster composed of multiple servers.

[0012] In an embodiment, as shown in Figure 2 , an internet insurance policy putting method based on big data is provided, and the method is applied inFigure 1 The server in the server is illustrated, including the following steps: S101, obtaining at least one internet insurance data corresponding to the delivery platform and the financial data corresponding to the internet insurance data; S102, analyzing the cost of the internet insurance data, and determining the first insurance cost rate corresponding to the internet insurance data; S103, extracting the attribute of the internet insurance data, determining the insurance business attribute corresponding to the internet insurance data, and determining the second insurance cost rate corresponding to the internet insurance data based on the insurance business attribute and the financial data; S104, determining the comprehensive insurance cost rate corresponding to the delivery platform based on the first insurance cost rate and the second insurance cost rate; S105, determining the internet delivery strategy corresponding to the internet insurance data based on the comprehensive insurance cost rate and the insurance business attribute.

[0013] Among them, the internet insurance data can be the data contained in the internet insurance of one or more delivery platforms, in other words, the internet insurance data can be used to describe the insurance information of the internet insurance.

[0014] Among them, the delivery platform refers to the platform of the website page, software application and the like for delivering the internet insurance.

[0015] Among them, the internet insurance business attribute can refer to each item of data contained in the insurance contract of the internet insurance.

[0016] Among them, the financial data can include the transaction data of the internet insurance and other data used to indicate the financial status of the internet insurance.

[0017] Among them, the first insurance cost rate can be used to indicate the cost and income of the internet insurance on the delivery platform, in other words, the first insurance cost rate can be used to reflect the profit and loss state of the internet insurance in the delivery platform.

[0018] Among them, the second insurance cost rate can be used to indicate the deviation between the adjustment of the incurred but not reported (IBNR) and the actual claim in the internet insurance, in other words, the second insurance cost rate can be used to predict the future claim situation of the internet insurance on the delivery platform.

[0019] Among them, the comprehensive insurance cost rate can be used to indicate the predicted cost rate of the internet insurance combined with the delivery platform dimension.

[0020] As an example, in step S101, the distributed system can obtain the internet insurance data corresponding to at least one distribution platform and the financial data corresponding to the internet insurance data by reading a database storing internet insurance related information.

[0021] For example, the distributed system obtains the internet insurance data and financial data of internet insurance #1 and internet insurance #2 in platform A and the internet insurance data and financial data of internet insurance #1 and internet insurance #2 in platform B by reading the database.

[0022] As an example, in step S102, the obtained internet insurance data can be classified and counted to realize cost analysis of the internet insurance data and determine the first insurance cost rate corresponding to the internet insurance data.

[0023] For example, by counting the internet insurance data of each internet insurance, the data indicating the cost of the internet insurance and the data indicating the income of the internet insurance in the internet insurance data are obtained, and the first insurance cost rate of the internet insurance is determined by the above two kinds of data.

[0024] As an example, in step S103, the internet insurance data can be extracted to obtain various data described in the insurance contract of each internet insurance, so as to determine the insurance business attribute corresponding to the internet insurance data. Further, by fitting the insurance business attribute with the financial data corresponding to the internet insurance, the second insurance cost rate corresponding to the internet insurance data is determined.

[0025] For example, by counting and extracting the internet insurance data, the premium information, insurance term and insurance type of each internet insurance are obtained, and then the deviation between the IBNR adjustment and the actual claim is calculated according to the extracted business attribute and the financial data corresponding to each internet insurance, so as to determine the second insurance cost rate corresponding to the internet insurance data.

[0026] As an example, in step S104, the first insurance cost rate and the second insurance cost rate can be fused according to the first insurance cost rate and the second insurance cost rate to determine the comprehensive insurance cost rate corresponding to the distribution platform, so as to determine the cost rate of each internet insurance under the dimension of the distribution platform.

[0027] For example, the first insurance cost rate and the second insurance cost rate can be directly summed to determine the sum as the comprehensive insurance cost rate; or the weights corresponding to the first insurance cost rate and the second insurance cost rate can be determined according to historical experience, and the first insurance cost rate and the second insurance cost rate are weighted and summed to determine the sum as the comprehensive insurance cost rate.

[0028] As an example, in step S105, the policy business attribute of the internet policy itself can be combined with the delivery platform according to the comprehensive policy cost rate and the policy business attribute, the cost and income of each internet policy delivery on different delivery platforms are predicted, and the internet delivery strategy corresponding to the internet policy data is determined.

[0029] For example, according to the comprehensive policy cost rate and the policy business attribute, it is determined that the comprehensive policy cost rate of the internet policy on delivery platform A is A, which is less than the comprehensive policy cost rate of the internet policy on delivery platform B, and the internet delivery strategy can be to increase the delivery quantity of the internet policy on delivery platform A.

[0030] In this example, the internet policy data corresponding to at least one delivery platform and the financial data corresponding to the internet policy data can be obtained through a distributed system, the cost of the internet policy data is analyzed to determine the first policy cost rate corresponding to the internet policy data, the policy business attribute corresponding to the internet policy data is extracted to determine the second policy cost rate corresponding to the internet policy data, and the policy business attribute and the financial data are combined for analysis to determine the second policy cost rate corresponding to the internet policy data. Further, the first policy cost rate and the second policy cost rate are combined to obtain a comprehensive policy cost rate with platform attribute; finally, the internet delivery strategy corresponding to the internet policy data is determined by analyzing the comprehensive policy cost rate with platform attribute and the policy business attribute with internet policy self-characteristics. In the present application, according to the characteristics of large internet policy business volume and small average policy premium amount, the financial statistical cost logic is used to fit the internet policy data with financial data, to determine the first policy cost rate with internet policy business attribute characteristics and the second policy cost rate with internet policy financial attribute characteristics, so as to obtain the comprehensive policy cost rate with delivery platform characteristics according to the first policy cost rate and the second policy cost rate, to realize the determination of the comprehensive policy cost rate of the internet policy from multiple dimensions, to improve the accuracy of the internet policy cost rate, and to combine the comprehensive policy cost rate and the policy business attribute to analyze the internet delivery strategy corresponding to the internet policy data from the policy business attribute and the delivery platform, to realize the reasonable formulation of the policy delivery plan.

[0031] In an example, the internet policy data can include policy claim cost, policy fee cost and premium income, the first policy cost rate is the quotient of the policy cost and the premium income, and the policy cost is the sum of the policy claim cost and the policy fee cost.

[0032] In other words, the quotient of the policy cost and the premium income can be determined as the first policy cost rate of the Internet policy corresponding to the Internet policy data, where the policy cost is the sum of the policy claim cost and the policy expense cost.

[0033] For example, based on the Internet insurance policy data, it is determined that the policy claim cost of Internet insurance policy #1 on the delivery platform A is a, the policy expense cost is b, and the premium income is c. Then the first policy cost rate of Internet insurance policy #1 = (a+b) / c.

[0034] In one example, the policy business attributes include policy type, policy term, policy premium, policy expiration time, and premium income.

[0035] Among them, the policy term can indicate the start date and end date of the Internet insurance policy, the policy premium can indicate the total fees receivable from users for the Internet insurance policy, the policy expiration time can refer to the time from the date of purchase of the Internet insurance policy to the preset time, and the premium income is the fees paid by the user for the Internet insurance policy at the current time.

[0036] like Figure 3 As shown, step S103, i.e., determining the second insurance policy cost rate corresponding to the Internet insurance policy data based on the insurance policy business attributes and financial data, includes: S201, searching financial data based on the policy type to determine the deferred cost ratio corresponding to the policy type; S202, determining a second policy cost rate based on the deferred cost ratio, policy term, policy premium, policy expiration time and premium income.

[0037] Among them, the deferred cost ratio is the ratio of the deferred acquisition costs (DAC) of each internet insurance policy.

[0038] As an example, in step S201, since the deferred cost ratios corresponding to different policy types may be the same or different, and the deferred cost ratios corresponding to different policy types are usually recorded in the financial data, in order to improve the accuracy of the second policy cost rate of the Internet insurance policy, it is necessary to search the financial data according to the policy type to determine the deferred cost ratio corresponding to each Internet insurance policy.

[0039] For example, the financial data records that the deferred cost ratio corresponding to policy type #1 is m, and the deferred cost ratio corresponding to policy type #2 is n. When the policy type of Internet policy a is determined to be policy type #1 based on the policy business attributes, by searching the financial data, it can be determined that the deferred cost ratio of Internet policy a is m.

[0040] As an example, in step S202, the actual income and expenditure of the Internet insurance policy from the date of purchase of the Internet insurance policy by the user to the preset time point can be determined according to the policy term, the policy premium, the time elapsed of the policy and the premium income, and the actual income and expenditure of the Internet insurance policy is combined with the deferred cost ratio to determine the second policy cost ratio.

[0041] In other words, since there are cases such as user installment payment, insurance company installment payment, user triggering insurance but not making payment, etc. for the Internet insurance policy, the cost analysis of the Internet insurance policy directly according to the total claim amount described in the Internet insurance policy and the total amount that the user should pay cannot accurately determine the financial status of the Internet insurance policy at the current time or in the future time period, and therefore it is necessary to combine the deferred cost ratio, the policy term, the policy premium, the time elapsed of the policy and the premium income to determine the second policy cost ratio.

[0042] In the present example, the financial data is retrieved by the policy type to determine the deferred cost ratio corresponding to the policy type, and then the deferred cost ratio is combined with the policy term, the policy premium, the time elapsed of the policy and the premium income to determine the second policy cost ratio. In the present application, considering that the income and cost of the Internet insurance policy will change over time, and the change rate of the Internet insurance policy of different types may be different, the present application combines the policy type, the policy term, the policy premium, the time elapsed of the policy and the premium income to determine the second policy cost ratio, thereby improving the accuracy of the second policy cost ratio and laying a foundation for formulating a scientific Internet investment strategy.

[0043] As shown in Figure 4 , step S202, i.e. determining the second policy cost ratio based on the deferred cost ratio, the policy term, the policy premium, the time elapsed of the policy and the premium income, includes: S301, determining the pending transfer difference amount of the Internet insurance policy based on the policy term, the premium income, the time elapsed of the policy and the deferred cost ratio; S302, determining the ratio between the pending transfer difference amount and the premium income as the second policy cost ratio.

[0044] The pending transfer difference amount can be the IBNR transfer difference amount, i.e. the pending transfer difference amount can be used to indicate the insurance company's estimate of the amount required for future pending claims.

[0045] As an example, in step S301, the required amount of historical outstanding claims and the required amount of current outstanding claims of the internet policy are determined based on the policy term, the premium income, the policy elapsed time and the proportion of the deferred cost, so as to estimate the required amount of future outstanding claims by comparing the required amount of historical outstanding claims and the required amount of current outstanding claims, i.e., to determine the outstanding transfer difference amount of the internet policy.

[0046] For example, the IBNR of last year and the IBNR of this year of the internet policy can be determined according to the policy term, the premium income, the policy elapsed time and the proportion of the deferred cost, and the difference between the IBNR of last year and the IBNR of this year is determined as the outstanding transfer difference amount of the internet policy by comparing the IBNR of last year and the IBNR of this year.

[0047] As an example, in step S302, the relationship between the future required cost and the income of the internet policy can be estimated by comparing the outstanding transfer difference amount and the premium income, and the ratio obtained is determined as the second policy cost rate.

[0048] In the present example, the outstanding transfer difference amount of the internet policy is determined by the policy term, the premium income, the policy elapsed time and the proportion of the deferred cost to estimate the future required cost of the internet policy, and then the ratio between the outstanding transfer difference amount and the premium income is determined as the second policy cost rate. By comparing the outstanding transfer difference amount and the premium income, the present application estimates the relationship between the future required cost and the income of the internet policy, so as to combine the cost and time dimensions of the internet policy, which helps to improve the accuracy of the comprehensive policy cost rate.

[0049] As an example, the policy elapsed time includes the historical policy elapsed time and the current year policy elapsed time, and the policy premium includes the historical policy premium and the current year policy premium.

[0050] As shown in Figure 5 Step S301, i.e., determining the outstanding transfer difference amount of the internet policy based on the policy term, the premium income and the policy elapsed time, includes: S401, comparing the difference between the historical policy term and the historical policy elapsed time with the policy term to determine a first ratio; S402, multiplying the historical policy premium, the proportion of the deferred cost and the first ratio to determine the historical outstanding amount; S403, comparing the difference between the current year policy term and the current year policy elapsed time with the policy term to determine a second ratio; S404, multiplying the current year policy premium, the proportion of the deferred cost and the second ratio to determine the current year outstanding amount; S405, determine the difference between the historical outstanding amount and the current outstanding amount as the outstanding transfer difference amount.

[0051] The historical outstanding amount can be the IBNR of the Internet insurance policy determined by taking a preset historical cutoff period as an anchor point. The preset historical cutoff period can be the last day of the previous year or other time points, which are not limited in the present disclosure.

[0052] The current outstanding amount can be the IBNR of the Internet insurance policy determined by taking the time of obtaining the Internet insurance policy data as an anchor point.

[0053] As an example, in step S401, since the policy period of the same type of Internet insurance policy can be different when purchased at different times, it is necessary to determine the remaining protection time of the Internet insurance policy by taking the preset historical cutoff period as an anchor point by subtracting the historical policy period and the historical policy elapsed time, and then determine the ratio relationship between the remaining protection time and the policy period, i.e., the first ratio, by comparing the obtained difference value with the historical policy period, which lays the foundation for determining the historical outstanding amount.

[0054] As an example, in step S402, since the premium of the same type of Internet insurance policy can be different when purchased at different times, it is necessary to determine the IBNR of the Internet insurance policy at the preset historical cutoff period by multiplying the historical policy premium corresponding to the historical policy period, the escalation cost ratio, and the first ratio, and combining the historical policy premium with the remaining protection time of the policy.

[0055] As an example, in step S403, by subtracting the current policy period and the current policy elapsed time, the remaining protection time of the Internet insurance policy is determined by taking the time of obtaining the Internet insurance policy data as an anchor point, and then the ratio relationship between the remaining protection time and the current policy period, i.e., the second ratio, is determined by comparing the obtained difference value with the current policy period, which lays the foundation for determining the current outstanding amount.

[0056] As an example, in step S404, by multiplying the historical policy premium corresponding to the current policy period, the escalation cost ratio, and the second ratio, the IBNR of the Internet insurance policy at the time of obtaining the Internet insurance policy data (i.e., the current time) is determined by combining the current policy premium with the remaining protection time of the policy.

[0057] As an example, in step S405, by subtracting the historical outstanding amount and the current outstanding amount, the change value of the outstanding amount of the Internet insurance policy from the preset historical cutoff period to the current time is determined, and the difference value is determined as the outstanding transfer difference amount to indicate the estimation of the amount required by the insurance company for future outstanding claims.

[0058] In the present example, the determining the pending transfer difference amount of the Internet policy based on the policy term, the premium income and the time elapsed of the policy comprises: In the present example, the first ratio is determined by comparing the difference between the historical policy term and the historical time elapsed of the policy with the policy term, and the historical pending amount of the Internet policy at the preset historical cut-off term is determined by multiplying the historical policy premium, the escalation cost ratio and the first ratio, combining the historical policy premium with the remaining guarantee time of the policy; the second ratio is determined by comparing the difference between the current policy term and the current time elapsed of the policy with the policy term, and the current pending amount at the time when the Internet policy data is obtained (i.e. the current time) is determined by multiplying the current policy premium, the escalation cost ratio and the second ratio; thereby, the pending transfer difference amount is determined by comparing the pending amounts of the two periods, so as to realize the estimation of the amount required for future pending claims. By determining the historical pending amount and the current pending amount, and then determining the difference between the historical pending amount and the current pending amount as the pending transfer difference amount, the time dimension is combined with the policy premium, the accuracy of the pending transfer difference amount is improved, and the accuracy of the second policy cost rate is improved.

[0059] As shown in Figure 6 Step S105, based on the comprehensive policy cost rate and the policy business attribute, the Internet policy data corresponding to the Internet delivery strategy comprises: S501, based on the comprehensive policy cost rate and the policy business attribute, the cost mapping score corresponding to the Internet policy is determined; S502, based on the cost mapping score, the delivery platform and the delivery quantity of the Internet policy are determined.

[0060] The cost mapping score can be used to indicate the cost of the Internet policy, for example, when the cost mapping score is higher, it means that the cost of the Internet policy is higher.

[0061] As an example, in step S501, different comprehensive policy cost rates correspond to the same or different cost mapping scores, and different policy business attributes also correspond to the same or different cost mapping scores, therefore, the cost mapping scores corresponding to the comprehensive policy cost rate and the policy business attribute can be fused, and the fused result is determined as the cost mapping score corresponding to the Internet policy.

[0062] It should be understood that the relationship between the comprehensive policy cost rate, the policy business attribute and the cost mapping score can be preset, or can be calculated according to the pre-trained model, but is not limited thereto, and the present disclosure does not limit the way of obtaining the cost mapping score.

[0063] As an example, in step S502, since the comprehensive policy cost rate can indicate the cost required by the Internet policy on a certain delivery platform, the delivery platform of the Internet policy and the number of deliveries in each delivery platform can be determined according to the cost mapping score.

[0064] For example, when the corresponding cost mapping score indicates a high cost when the Internet policy #1 is delivered to the delivery platform A, it means that the profit obtained after the Internet policy #1 is delivered to the delivery platform A can be lower, and when the corresponding cost mapping score indicates a low cost when the Internet policy #1 is delivered to the delivery platform B, it means that the profit obtained after the Internet policy #1 is delivered to the delivery platform B can be higher, so the Internet delivery strategy can be formulated to deliver a large number of Internet policies #1 to the delivery platform B, deliver a small number of Internet policies #1 to the delivery platform A, or deliver all Internet policies #1 to the delivery platform B.

[0065] In this example, based on the comprehensive policy cost rate and the policy business attribute, the cost mapping score corresponding to the Internet policy is determined, the size of the multi-dimensional cost of the Internet policy under the delivery platform dimension and the policy business dimension is determined, and then the delivery platform of the Internet policy and the number of deliveries are determined according to the cost mapping score. Through the cost mapping score, the delivery platform and the number of deliveries of the Internet policy are determined, the cost of the Internet policy is evaluated from multiple dimensions, and the personalized delivery of the Internet policy is realized.

[0066] As shown in Figure 7 Step S501, i.e., determining the cost mapping score corresponding to the Internet policy based on the comprehensive policy cost rate and the policy business attribute, includes: S601, querying a first cost mapping table based on the comprehensive policy cost rate to determine a first mapping score corresponding to the comprehensive policy cost rate; S602, querying a second cost mapping table based on the policy business attribute to determine a second mapping score corresponding to the policy business attribute; S603, summing the first mapping score and the second mapping score to determine the cost mapping score corresponding to the Internet policy.

[0067] The first cost mapping table and the second mapping cost table can be determined by historical experience, model fitting, etc., but are not limited thereto, and the generation method of the first cost mapping table and the second cost mapping table is not limited in the present disclosure.

[0068] As an example, in step S601, since the comprehensive policy cost rate and the first mapping score are included in the first cost mapping table, the first mapping score corresponding to the comprehensive policy cost rate can be found by looking up the table.

[0069] As an example, in step S602, since the policy business attribute and the second mapping score set are included in the second cost mapping table, the second mapping score corresponding to the policy business attribute can be found by table lookup.

[0070] As an example, in step S603, the first mapping score and the second mapping score can be directly summed to determine the cost mapping score corresponding to the Internet policy; or the first mapping score and the second mapping score can be assigned corresponding weights, and then the first mapping score and the second mapping score are weighted and summed to determine the cost mapping score corresponding to the Internet policy.

[0071] For example, when it is desired to focus on evaluating the cost of the same Internet policy on different delivery platforms, a larger weight can be given to the first mapping score; when it is desired to focus on evaluating the cost of different Internet policies on the same platform, a larger weight can be given to the first mapping score.

[0072] In this example, the first cost mapping table is queried based on the comprehensive policy cost rate to determine the first mapping score corresponding to the comprehensive policy cost rate in the delivery platform dimension; and the second cost mapping table is queried based on the policy business attribute to determine the second mapping score corresponding to the policy business attribute in the policy business dimension; and then the first mapping score and the second mapping score are summed to determine the cost mapping score corresponding to the Internet policy, realizing the fusion of cost evaluation of multiple dimensions. The present application determines the first mapping score and the second mapping score by table lookup, facilitating the determination of the first mapping score and the second mapping score, improving the determination rate of the cost mapping score, and determining the sum of the first mapping score and the second mapping score as the cost mapping score corresponding to the Internet policy, determining the multi-dimensional cost of the Internet policy under the delivery platform dimension and the policy business dimension, which helps to determine the Internet delivery strategy of the Internet policy.

[0073] As can be seen, in the above scheme, in view of the characteristics of large Internet policy business volume and small average amount of policy premium, the logic of financial statistical cost is used to fit the Internet policy data with financial data, to determine the first policy cost rate with the Internet policy business attribute characteristics and the second policy cost rate with the Internet policy financial attribute characteristics, so as to obtain the comprehensive policy cost rate with the delivery platform characteristics according to the first policy cost rate and the second policy cost rate, realizing the determination of the comprehensive policy cost rate of the Internet policy from multiple dimensions, improving the accuracy of the Internet policy cost rate, and combining the comprehensive policy cost rate with the policy business attribute, the Internet delivery strategy corresponding to the Internet policy data can be analyzed from the policy business attribute and the delivery platform, etc. in more fine granularity, realizing the reasonable formulation of the policy delivery plan.

[0074] It should be understood that the size of the serial number of each step in the above embodiments does not mean the order of execution, and the execution order of each process should be determined according to its function and inherent logic, and should not constitute any limitation on the implementation process of the embodiments of the present application.

[0075] In an embodiment, a big data-based Internet insurance policy delivery device is provided, which corresponds to the big data-based Internet insurance policy delivery method in the above embodiment. As shown in the figure, the big data-based Internet insurance policy delivery device includes an acquisition module 701, a first determination module 702, a second determination module 703, and a delivery module 704. The functions of each functional module are described in detail as follows: Figure 8 The acquisition module 701 is configured to acquire Internet insurance policy data corresponding to at least one delivery platform and financial data corresponding to the Internet insurance policy data. The acquisition module 701 is configured to acquire Internet insurance policy data corresponding to at least one delivery platform and financial data corresponding to the Internet insurance policy data. The first determination module 702 is configured to perform cost analysis on the Internet insurance policy data to determine a first policy cost rate corresponding to the Internet insurance policy data. The first determination module 702 is configured to perform cost analysis on the Internet insurance policy data to determine a first policy cost rate corresponding to the Internet insurance policy data. The second determination module 703 is configured to perform cost analysis on the Internet insurance policy data to determine a policy business attribute corresponding to the Internet insurance policy data, and determine a second policy cost rate corresponding to the Internet insurance policy data based on the policy business attribute and the financial data. The third determination module 704 is configured to determine a comprehensive policy cost rate corresponding to the delivery platform based on the first policy cost rate and the second policy cost rate. The delivery module 705 is configured to determine an Internet delivery strategy corresponding to the Internet insurance policy data based on the comprehensive policy cost rate and the policy business attribute.

[0076] In an embodiment, the Internet insurance policy data includes policy claim cost, policy expense cost, and premium income. The first policy cost rate is the quotient of the policy cost and the premium income, and the policy cost is the sum of the policy claim cost and the policy expense cost.

[0077] In an embodiment, the policy business attribute includes policy type, policy term, policy premium, policy elapsed time, and premium income, and the second determination module 703 is specifically configured to, Determine a second policy cost rate corresponding to the Internet insurance policy data based on the policy business attribute and the financial data, including: Retrieving the financial data based on the policy type to determine a deferred cost ratio corresponding to the policy type; Determine the second policy cost rate based on the deferred cost ratio, the policy term, the policy premium, the policy elapsed time, and the premium income.

[0078] In an embodiment, the second determining module 703 is further configured to, determine the pending transfer difference amount of the Internet insurance policy based on the policy term, the premium income, the policy elapsed time, and the extension cost ratio; determine the second policy cost rate as a ratio between the pending transfer difference amount and the premium income.

[0079] In an embodiment, the policy term includes a historical policy term and a current policy term, the policy elapsed time includes a historical policy elapsed time and a current policy elapsed time, and the policy premium includes a historical policy premium and a current policy premium. The second determining module 703 is further configured to, determine a first ratio by comparing a difference between the historical policy term and the historical policy elapsed time with the policy term; multiply the historical policy premium, the extension cost ratio, and the first ratio to determine a historical pending amount; determine a second ratio by comparing a difference between the current policy term and the current policy elapsed time with the policy term; multiply the current policy premium, the extension cost ratio, and the second ratio to determine a current pending amount; determine the pending transfer difference amount as a difference between the historical pending amount and the current pending amount.

[0080] In an embodiment, the putting module 705 is specifically configured to determine a cost mapping score corresponding to the Internet insurance policy based on the comprehensive policy cost rate and the policy business attribute; determine a putting platform and a putting quantity of the Internet insurance policy based on the cost mapping score.

[0081] In an embodiment, the putting module 705 is further configured to query a first cost mapping table based on the comprehensive policy cost rate to determine a first mapping score corresponding to the comprehensive policy cost rate; query a second cost mapping table based on the policy business attribute to determine a second mapping score corresponding to the policy business attribute; sum the first mapping score and the second mapping score to determine the cost mapping score corresponding to the Internet insurance policy.

[0082] The application provides an internet insurance policy putting device based on big data, which uses the logic of financial statistical cost to fit the internet insurance policy data with financial data, determines a first policy cost rate with the internet insurance policy business attribute characteristics and a second policy cost rate with the internet insurance policy financial attribute characteristics, and thus obtains a comprehensive policy cost rate with the putting platform characteristics according to the first policy cost rate and the second policy cost rate, so as to realize the determination of the comprehensive policy cost rate of the internet insurance policy from multiple dimensions, improve the accuracy of the internet insurance policy cost rate, and combine the comprehensive policy cost rate with the policy business attribute, so as to analyze the internet putting strategy corresponding to the internet insurance policy data from the policy business attribute and the putting platform and the like in a finer granularity, and realize the reasonable formulation of the policy putting plan.

[0083] In one embodiment, a computer device, which can be a server, is provided, and an internal structure diagram of the computer device can be as shown in Figure 9 The computer device includes a processor, a memory, a network interface and a database connected through a system bus. The processor of the computer device is used to provide computing and control capabilities. The memory of the computer device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system, a computer program and a database. The internal memory provides an environment for the operation of the operating system and the computer program in the non-volatile storage medium. The database of the computer device is used for data used in the internet insurance policy putting method based on big data. The network interface of the computer device is used for communication connection with an external terminal through a network. The computer program is executed by the processor to implement an internet insurance policy putting method based on big data.

[0084] In one embodiment, a computer device is provided, which includes a memory, a processor and a computer program stored in the memory and executable on the processor, and the processor implements the above-mentioned resource data processing method based on a micro-isolated network when executing the computer program.

[0085] In one embodiment, a computer readable storage medium is provided, which stores a computer program, and the computer program is executed by a processor to implement the above-mentioned resource data processing method based on a micro-isolated network.

[0086] Those skilled in the art can understand that all or part of the processes in the above-mentioned embodiment methods can be completed by instructing the relevant hardware through a computer program, and the computer program can be stored in a non-volatile computer readable storage medium. When the computer program is executed, the processes of the above-mentioned embodiments of each method can be included. Any reference to memory, storage, database or other medium used in each embodiment provided by the present application can include non-volatile and / or volatile memory. Non-volatile memory can include read-only memory (ROM), programmable ROM (PROM), electrically programmable ROM (EPROM), electrically erasable programmable ROM (EEPROM) or flash memory. Volatile memory can include random access memory (RAM) or external cache memory. As an illustration but not limitation, RAM is available in various forms, such as static RAM (SRAM), dynamic RAM (DRAM), synchronous DRAM (SDRAM), double data rate SDRAM (DDR SDRAM), enhanced SDRAM (ESDRAM), synchronous link (Synchlink) DRAM (SLDRAM), memory bus (Rambus) direct RAM (RDRAM), direct memory bus dynamic RAM (DRDRAM), and memory bus dynamic RAM (RDRAM), etc.

[0087] Those skilled in the art can clearly understand that, for the convenience and brevity of description, only the above-mentioned division of functional units and modules is exemplified, and in actual application, the above-mentioned functions can be completed by different functional units and modules according to needs, that is, the internal structure of the device is divided into different functional units or modules to complete all or part of the functions described above.

[0088] The above-mentioned embodiments are only used to illustrate the technical solutions of the present application, but not to limit it; although the present application has been described in detail with reference to the foregoing embodiments, those skilled in the art should understand that the technical solutions recorded in the foregoing embodiments can be modified, or some technical features can be replaced by equivalents; 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 the embodiments of the present application, and should be included in the protection scope of the present application.

Claims

1. A method for placing insurance policies on the Internet based on big data, characterized in that: include: Obtaining internet insurance policy data corresponding to at least one delivery platform and financial data corresponding to the internet insurance policy data; Performing a cost analysis on the internet insurance policy data to determine a first insurance policy cost rate corresponding to the internet insurance policy data; Extracting attributes from the internet insurance policy data to determine insurance policy business attributes corresponding to the internet insurance policy data, and determining a second insurance policy cost rate corresponding to the internet insurance policy data based on the insurance policy business attributes and the financial data; Determining a comprehensive policy cost rate corresponding to the delivery platform based on the first policy cost rate and the second policy cost rate; Based on the comprehensive policy cost rate and the policy business attributes, determine the Internet delivery strategy corresponding to the Internet policy data.

2. The method according to claim 1, characterized in that The Internet insurance policy data includes insurance claim payment costs, insurance expense costs and premium income; The first policy cost rate is the quotient of the policy cost and the premium income, and the policy cost is the sum of the policy claim cost and the policy expense cost.

3. The method according to claim 1, characterized in that The policy business attributes include policy type, policy term, policy premium, policy expiration time and premium income. The determining, based on the policy business attributes and the financial data, a second policy cost rate corresponding to the internet policy data, includes: Based on the insurance policy type, searching the financial data to determine the deferred cost ratio corresponding to the insurance policy type; The second policy cost rate is determined based on the deferred cost ratio, policy term, policy premium, policy expiration time and premium income.

4. The method according to claim 3, characterized in that Determining the second policy cost rate based on the deferred cost ratio, policy term, policy premium, policy expiration time, and premium income includes: Determine the outstanding transfer difference amount of the internet insurance policy based on the policy term, premium income, policy expiration time and the deferred cost ratio; The ratio between the outstanding provision difference amount and the premium income is determined as the second policy cost rate.

5. The method according to claim 4, characterized in that The policy term includes the historical policy term and the current policy term, the policy expiration time includes the historical policy expiration time and the current policy expiration time, and the policy premium includes the historical policy premium and the current policy premium. The determination of the outstanding transfer difference amount of the internet insurance policy based on the policy term, premium income and policy expiration time includes: Comparing the difference between the historical policy term and the expiration time of the historical policy with the policy term to determine a first ratio; Multiplying the historical policy premium, the deferred cost ratio, and the first ratio to determine a historical outstanding amount; Compare the difference between the policy term of the current year and the time that has passed since the policy expires with the policy term to determine a second ratio; Multiplying the policy premium for the current year, the deferred cost ratio, and the second ratio to determine the outstanding amount for the current year; The difference between the historical pending amount and the current year's pending amount is determined as the pending transfer difference amount.

6. The method according to claim 1, characterized in that The determining, based on the comprehensive policy cost rate and the policy business attributes, of an internet delivery strategy corresponding to the internet policy data includes: Determining a cost mapping score corresponding to the internet insurance policy based on the comprehensive policy cost rate and the policy business attributes; Based on the cost mapping score, the delivery platform and delivery quantity of the Internet insurance policy are determined.

7. The method according to claim 6, characterized in that The determining, based on the comprehensive policy cost rate and the policy business attributes, a cost mapping score corresponding to the internet insurance policy includes: querying a first cost mapping table based on the comprehensive policy cost rate to determine a first mapping score corresponding to the comprehensive policy cost rate; querying a second cost mapping table based on the policy business attribute to determine a second mapping score corresponding to the policy business attribute; The first mapping score and the second mapping score are summed to determine the cost mapping score corresponding to the Internet insurance policy.

8. An Internet insurance policy placement device based on big data, characterized in that: include: An acquisition module, configured to acquire internet insurance policy data corresponding to at least one delivery platform and financial data corresponding to the internet insurance policy data; A first determining module is configured to perform a cost analysis on the internet insurance policy data to determine a first insurance policy cost rate corresponding to the internet insurance policy data; a second determination module, configured to extract attributes from the internet insurance policy data, determine insurance policy business attributes corresponding to the internet insurance policy data, and determine a second insurance policy cost rate corresponding to the internet insurance policy data based on the insurance policy business attributes and the financial data; a third determining module, configured to determine a comprehensive policy cost rate corresponding to the delivery platform based on the first policy cost rate and the second policy cost rate; The delivery module is used to determine the Internet delivery strategy corresponding to the Internet policy data based on the comprehensive policy cost rate and the policy business attributes.

9. A computer device comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein: When the processor executes the computer program, it implements the Internet insurance policy placement method based on big data as described in any one of claims 1 to 7.

10. A computer-readable storage medium storing a computer program, characterized in that: When the computer program is executed by a processor, it implements the Internet insurance policy placement method based on big data as described in any one of claims 1 to 7.

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