Cross-regional minimum premium determination method and device, electronic equipment and storage medium

Abstract

The invention provides a cross-regional minimum premium determination method, and the method comprises the steps: determining a plurality of target regions, where the minimum premium needs to be calculated currently, of a target product; determining at least one level corresponding to the lowest premium of the target product in the target region and the lowest premium strategy of each level according to the business requirement of each target region and the type of the target product; and determining the cross-regional minimum premium of the target product in the plurality of target regions according to the currency exchange rates among the plurality of target regions and the minimum premium strategies corresponding to all levels. The minimum premium control requirements of multiple levels and the minimum premium calculation requirements of cross-regional insurance services can be met, and the flexibility of minimum premium configuration is improved.

Description

Technical Field

[0001] This application relates to the field of software development technology, and in particular to a method, apparatus, electronic device and storage medium for determining the minimum insurance premium across regions. Background Technology

[0002] Since insurance companies incur fixed costs in underwriting, policy management, and customer service, setting a minimum premium ensures they can maintain basic risk management and operating costs and prevent malicious policy surrenders. To accurately match risk cost differences across regions, meet regulatory requirements for reasonable rates in various localities, and promote the development of cross-regional insurance business, a more precise and reliable method is needed to determine the minimum premium. Summary of the Invention

[0003] This application aims to at least partially address one of the technical problems in the related art.

[0004] Therefore, the first objective of this application is to propose a method for determining the minimum premium across regions, so as to control the minimum premium from multiple levels, meet the differentiated requirements across regions, and improve the flexibility and reliability of determining the minimum premium.

[0005] The second objective of this application is to propose a device for determining the minimum premium across regions.

[0006] The third objective of this application is to propose an electronic device.

[0007] The fourth objective of this application is to provide a computer-readable storage medium.

[0008] The fifth objective of this application is to provide a computer program product.

[0009] To achieve the above objectives, the first aspect of this application proposes a method for determining the minimum premium across regions, comprising: Identify multiple target regions where the minimum premium for the target product needs to be calculated; Based on the business needs of each target region and the type of the target product, determine at least one tier corresponding to the minimum premium of the target product in the target region, and the minimum premium strategy for each tier; Based on the currency exchange rates among the multiple target regions and the minimum premium strategies corresponding to each level, the minimum cross-regional premium for the target product in the multiple target regions is determined.

[0010] To achieve the above objectives, a second aspect of this application provides a cross-regional minimum premium determination device, comprising: The first determination module is used to determine multiple target regions where the minimum premium for the target product needs to be calculated. The second determining module is used to determine, based on the business needs of each target region and the type of the target product, at least one tier corresponding to the minimum premium of the target product in the target region, and the minimum premium strategy for each tier; The third determining module is used to determine the cross-regional minimum premium of the target product in the multiple target regions based on the currency exchange rate between the multiple target regions and the minimum premium strategy corresponding to each level.

[0011] To achieve the above objectives, a third aspect of this application provides an electronic device, including: a processor, and a memory communicatively connected to the processor; The memory stores computer-executed instructions; The processor executes computer execution instructions stored in the memory to implement the method as described in the first aspect embodiment.

[0012] To achieve the above objectives, a fourth aspect of this application provides a computer-readable storage medium storing computer-executable instructions that, when executed by a processor, are used to implement the method described in the first aspect.

[0013] To achieve the above objectives, a fifth aspect of this application provides a computer program product including a computer program that, when executed by a processor, implements the method described in the first aspect.

[0014] The method, apparatus, electronic device, and storage medium for determining cross-regional minimum premiums provided in this application first identify multiple target regions where the minimum premium for a target product needs to be calculated. Then, based on the business needs of each target region and the type of the target product, at least one tier corresponding to the minimum premium for the target product in that target region is determined. Subsequently, based on the currency exchange rates between the multiple target regions and the minimum premium strategies corresponding to each tier, the cross-regional minimum premium for the target product across the multiple target regions is determined. This allows for control of the minimum premium at multiple tiers, meeting differentiated minimum premium requirements across regions and improving the flexibility and reliability of minimum premium determination.

[0015] Additional aspects and advantages of this application will be set forth in part in the description which follows, and in part will be obvious from the description, or may be learned by practice of this application. Attached Figure Description

[0016] The above and / or additional aspects and advantages of this application will become apparent and readily understood from the following description of the embodiments taken in conjunction with the accompanying drawings, wherein: Figure 1A flowchart illustrating a method for determining the minimum insurance premium across regions, provided as an embodiment of this application; Figure 2 This is a schematic diagram of a cross-regional minimum premium determination device provided in an embodiment of this application. Detailed Implementation

[0017] The embodiments of this application are described in detail below. Examples of the embodiments are shown in the accompanying drawings, wherein 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 and intended to explain this application, and should not be construed as limiting this application.

[0018] The method and apparatus for determining the minimum insurance premium across regions according to embodiments of this application are described below with reference to the accompanying drawings.

[0019] Figure 1 This is a flowchart illustrating a method for determining the minimum insurance premium across regions, as provided in an embodiment of this application.

[0020] It should be noted that the terminology used in the cross-regional minimum premium determination method provided in this application, as explained in the following embodiments, is as follows: Insurance products refer to the combination of tangible services and intangible protections offered by insurance companies to the market. They include financial instruments such as insurance policies and contracts, as well as comprehensive support throughout the entire process, including underwriting, claims processing, and customer service. In this embodiment, cross-regional insurance products may refer to insurance products from Hong Kong and Macau. These products can be divided into single-insurance products and combined products. Combined products are composed of multiple single-insurance products and offer various insurance protection functions. For example, a combined engineering insurance product may include two sub-insurance types: property insurance and liability insurance.

[0021] The term "insured type" refers to the risk classification within an insurance product that provides independent protection, such as property insurance, liability insurance, and cargo insurance. "Category" is a further subdivision of the insured type; for example, health insurance can include categories such as medical insurance and critical illness insurance.

[0022] The subject matter refers to a risk entity, guarantee, or liability that can be independently defined, such as property, life, or health.

[0023] The insured object refers to the collection of objects with the same risk, used to calculate the premium at the same insured rate.

[0024] The currency of the premium refers to the currency in which the premium is collected under the policy.

[0025] The exchange rate is an indicator that the currency of the goods is different from the currency of the premium. The exchange rate needs to be recorded on the policy for calculating the underwriting risk of the policy, endorsements, reinsurance, etc. It is generally obtained according to the latest exchange rate on the date of signing the contract.

[0026] Minimum premium refers to the minimum amount that the policyholder must pay as stipulated in the insurance contract, which is used to protect the basic rights and interests of the contract and to meet the operating costs of the underwriting.

[0027] Premium calculation refers to the process by which the underwriting business system calculates the premium to be collected based on the sum insured and the premium rate configured for the insured object of the insurance product entered by the business personnel, and then summarizes the premiums at the object, type of insurance, and product levels.

[0028] The method for determining the minimum premium across regions provided in this application embodiment can configure the minimum premium at different levels such as product, type of insurance, and insured object in cross-regional underwriting business in Hong Kong, Macao and other regions, calculate the minimum premium that meets the requirements of multiple regions in different currencies, and ensure the fairness and sustainability of the insurance contract through the apportionment of the difference.

[0029] like Figure 1 As shown, the method for determining the minimum premium across regions includes the following steps: Step 101: Identify the multiple target regions where the minimum premium for the target product needs to be calculated.

[0030] The target product can be any insurance product that has cross-regional business needs.

[0031] The target region refers to the geographical area covered by the target product.

[0032] In this embodiment, there may be multiple target regions. Since there may be differences in risk between different target regions, the calculation method for the minimum premium of the same insurance product may be different in different regions. Moreover, in some cases, such as when multiple target regions include regions using different currencies, such as Hong Kong and Macau, the calculation of the minimum premium across regions also needs to take into account the exchange rate between different currencies to ensure that the minimum premium meets the minimum premium requirements of all regions.

[0033] Step 102: Based on the business needs of each target region and the type of target product, determine at least one tier corresponding to the minimum premium of the target product in the target region, and the minimum premium strategy for each tier.

[0034] Among them, the types of target products can be divided into combined products and single insurance products.

[0035] In this embodiment, the minimum premium tier requirements that the target product needs to meet in different regions can be determined according to the business needs of those regions, and the minimum premium for each tier can be configured accordingly. Furthermore, different calculation modes can be selected and different premium amounts can be set when calculating the minimum premium for any tier.

[0036] Optionally, when the target product is a combination product, the minimum premium tier may include at least one of the following: product, type of insurance, category of insurance, and insured object. Alternatively, when the target product is a single-type insurance product, the minimum premium tier may include at least one of the following: type of insurance, category of insurance, and insured object.

[0037] In this embodiment of the application, multiple levels are determined to configure the minimum premium based on the type of the target product for which the minimum premium is to be calculated. This can improve the accuracy of risk pricing, meet differentiated needs, and increase customer satisfaction.

[0038] Optionally, the minimum premium strategy may include a calculation mode, which may include at least one of the following: all, excluded, specified, specific combination, and subject matter.

[0039] For example, the target product is a combination product that includes sub-insurance products A, B, and C.

[0040] At the product level, when the minimum premium strategy is configured with the calculation mode set to "all" and the minimum premium is 1000, it means that all insurance types in the combined product participate in the minimum premium calculation, and the sum of the premiums for A, B, and C is at least 1000.

[0041] At the insurance product level, when the minimum premium strategy is configured to exclude sub-insurance product B and the minimum premium is 1000, it means that all insurance products in the product combination except for the specific one participate in the minimum premium calculation, i.e., the sum of the premiums for A and C is at least 1000. Alternatively, when the minimum premium strategy is configured to specify sub-insurance product B and the minimum premium is 1000, it means that only the specified insurance product in the product combination participates in the minimum premium calculation, i.e., A and C have no actual minimum premium requirement, only B requires a minimum premium of 1000. Alternatively, when the minimum premium strategy is configured to specify a particular combination AB and the minimum premium is 1000, it means that only a certain combination in the product combination is subject to minimum premium calculation, i.e., C is a non-mandatory purchase insurance product, and only when purchasing the combination of A and B is there a minimum premium requirement of 1000.

[0042] For example, the target product is a single-insurance product A, which includes insured items 1, 2, and 3. Since the target product only includes a single type of insurance, when calculating the minimum premium for the target product, the insurance type level is the product level. In the minimum premium strategy configured at this level, the calculation mode is "all," and the minimum premium is 1000. Therefore, the total premium for all insured items 1, 2, and 3 in A must meet the requirement of a minimum of 1000. Alternatively, at the insured item level, if the minimum premium strategy is configured with the insured item as the calculation mode and the minimum premium is 1000, then the minimum premium for each insured item 1, 2, or 3 must be 1000.

[0043] It should be noted that for bundled products, minimum premiums can be configured at both the product level and the sub-insurance level. Furthermore, the minimum premium strategy can include information such as currency, whether exchange is required, the exchange rate, and whether renewal is inheritable.

[0044] Step 103: Determine the minimum cross-regional premium for the target product in multiple target regions based on the currency exchange rates between multiple target regions and the minimum premium strategies corresponding to each level.

[0045] The currency exchange rate is the exchange rate between any two currencies, and can be the latest exchange rate on the date the insurance contract is signed.

[0046] In this embodiment of the application, in cross-regional business, there may be multiple currencies used in the configured minimum premium strategy. The minimum premium requirement needs to be met for multiple currencies, and the exchange rate between currencies fluctuates in real time. When calculating the cross-regional minimum premium, it can be summarized to the upper-level currency or the policy fee currency to meet the minimum premium requirements of each region.

[0047] Optionally, for each target region, the first minimum premium for each tier and the currency corresponding to that first minimum premium can be determined first.

[0048] For example, in any target region, the combined products are defined as A, B, and C. The first minimum premium at the product level is the sum of the premiums of all sub-insurance products, which is at least HKD 1,000. At the insured property level, the first minimum premium is the premium of the insured property in sub-insurance product C, which is at least HKD 500. The corresponding currencies are all Hong Kong dollars.

[0049] Then, based on the currency exchange rates between multiple target regions and / or between target regions, a reference currency for the minimum cross-regional premium is determined.

[0050] In this embodiment, the reference currency can be determined based on the economies of multiple target regions, with the currency used in the target region having a higher economic level. Alternatively, the relative value of the currencies used in the target regions can be determined based on the exchange rates between them, and the currency with the higher relative value can be determined as the reference currency. Alternatively, the reference currency can also be determined based on the currency required for policy payment.

[0051] Next, based on the currency exchange rate, a second minimum premium is determined for each first minimum premium, where the second minimum premium corresponds to a reference currency. Finally, all second minimum premiums are compared, and the maximum value among them is determined as the cross-regional minimum premium for the target product across multiple target regions.

[0052] For example, if the target product ABC needs to calculate the minimum premium across both Mainland China and Hong Kong, the minimum premium strategy configured for Mainland China is a total minimum premium of 1000 for the entire product, so the corresponding first minimum premium can be recorded as CNY1000. The minimum premium strategy configured for Hong Kong includes a total minimum premium of 1100 for all product tiers, corresponding to a first minimum premium recorded as HKD1100, and a minimum premium of 1000 for sub-insurance tier C, corresponding to a first minimum premium recorded as A+B+max(C, HKD1000). With the reference currency being HKD, based on the exchange rate between CNY and HKD, the first minimum premium of CNY1000 can be updated to HKD(CNY1000). Therefore, the minimum premium for the target product ABC across Mainland China and Hong Kong is max(HKD(CNY1000), HKD1100, (A+B+max(C, HKD1000))).

[0053] In this embodiment, multiple target regions where the minimum premium for the target product needs to be calculated are first identified. Then, based on the business needs of each target region and the type of the target product, at least one tier corresponding to the minimum premium for the target product in that target region is determined. Subsequently, based on the currency exchange rates between the multiple target regions and the minimum premium strategies corresponding to each tier, the cross-regional minimum premium for the target product across the multiple target regions is determined. This allows for control of the minimum premium at multiple tiers, meeting differentiated minimum premium requirements across regions and improving the flexibility and reliability of minimum premium determination.

[0054] Optionally, after determining the minimum cross-regional premium for the target product in multiple target regions, the total premium for multiple specific objects in the target product can be calculated to obtain the first reference premium, wherein the multiple specific objects include the insured object, the subject matter, and the sub-insurance.

[0055] Then, if the minimum premium across regions is greater than the reference premium, the difference between the minimum premium across regions and the first reference premium is calculated, and the premium for each specific individual is updated based on the proportion of the sum insured in the total sum insured and the difference.

[0056] In this embodiment of the application, after determining the minimum premium, if the minimum premium is greater than the underlying aggregate premium of the insured object, the insured object, and the sub-insurance type, i.e. the first reference premium, the excess amount will be allocated to each level of premium according to the proportion of the insured amount. This can ensure the accuracy of premium allocation. The higher the insured amount, the greater the risk exposure. Therefore, allocating more of the difference can ensure that the overall premium matches the risk.

[0057] Alternatively, if any specific object meets certain conditions, the premium for that specific object is updated based on the proportion of each specific object's premium in the first reference premium and the difference, wherein the specific conditions are that the sum insured is zero and the premium is not zero.

[0058] In this embodiment, if there are one or more lower-level objects (such as the insured object, the subject matter, or the type of insurance) with a sum assured of 0 but a premium not of 0, the premium is allocated according to the premium. Based on the principle of allocation at the same rate, the allocation results based on the sum assured or the premium should be consistent. Premium percentage allocation is only used in special cases where the sum assured is 0. This is because objects with a sum assured of 0 (such as universal life insurance accounts) have no risk protection liability, but have already paid premiums (such as account management fees or investment premiums). Allocation based on the sum assured would result in a zero allocation, failing to make up the difference. Using premium percentage can reflect their actual cost contribution and ensure fairness.

[0059] Optionally, upon receiving a surrender instruction for any product, a second reference premium can be determined based on the policy information associated with that product. Then, the larger of the cross-regional minimum premium for any product and the second reference premium is determined as the termination premium required for surrendering any product.

[0060] The second reference premium is the minimum premium determined based on policy information such as the duration of the insurance contract, the management fees of the insurance contract, and the risk costs already assumed; it can also be called the short-term premium. In this embodiment of the application, after calculating the minimum premium based on the above content during the policy surrender process, it can be compared with the second reference premium calculated by the system, and the larger one can be taken as the premium required for policy termination, that is, the minimum premium collected by the policy or the remaining premium for surrender, so as to achieve control over the minimum premium and quickly calculate the minimum premium requirements across regions.

[0061] To achieve the above embodiments, this application also proposes a device for determining the minimum premium across regions.

[0062] Figure 2 This is a schematic diagram of a cross-regional minimum premium determination device provided in an embodiment of this application.

[0063] like Figure 2 As shown, the cross-regional minimum premium determination device 20 includes: The first determining module 201 is used to determine multiple target regions where the minimum premium for the target product needs to be calculated. The second determining module 202 is used to determine, based on the business needs of each target region and the type of the target product, at least one tier corresponding to the minimum premium in the target region, and the minimum premium strategy for each tier. The third determining module 203 is used to determine the minimum cross-regional premium of the target product in multiple target regions based on the currency exchange rate between multiple target regions and the minimum premium strategy corresponding to each level.

[0064] Furthermore, in one possible implementation of this application embodiment, the second determining module 202 may specifically be used for: When the target product is a combination product, the tier includes at least one of the following: product, type of insurance, category of insurance, and insured object; or, When the target product is a single type of insurance, the tier includes at least one of the following: type of insurance, category of insurance, and insured object.

[0065] Furthermore, in one possible implementation of the embodiments of this application, the minimum premium strategy includes a calculation mode, which includes at least one of all, exclude, specify, specific combination, and subject matter.

[0066] Furthermore, in one possible implementation of this application embodiment, the third determining module 203 may specifically be used for: For each target region, determine the first minimum premium for each tier and the currency corresponding to the first minimum premium; The reference currency for the minimum cross-regional premium is determined based on the exchange rates between multiple target regions and / or between target regions. Based on the currency exchange rate, determine the second minimum premium corresponding to each first minimum premium, wherein the second minimum premium corresponds to the reference currency; Compare all the second minimum premiums and determine the maximum value among them as the cross-regional minimum premium for the target product in multiple target regions.

[0067] Furthermore, in one possible implementation of this application embodiment, the third determining module 203 can also be used for: Calculate the total premium for multiple specific objects in the target product to obtain the first reference premium, where the multiple specific objects include the insured property, the subject matter, and the sub-insurance products; When the minimum premium in a cross-regional area is greater than the reference premium, calculate the difference between the minimum premium in the cross-regional area and the first reference premium; The premium for each specific individual is updated based on the percentage of their coverage in the total coverage and the difference.

[0068] Furthermore, in one possible implementation of this application embodiment, the third determining module 203 can also be used for: If any specific object meets certain conditions, the premium for that specific object is updated based on the proportion of each specific object's premium in the first reference premium and the difference, wherein the specific conditions are that the sum insured is zero and the premium is not zero.

[0069] Furthermore, in one possible implementation of this application embodiment, the cross-regional minimum premium determination device 20 may further include: The fourth determining module is used to determine the second reference premium based on the policy information associated with any product when a surrender instruction for any product is received. The fifth determining module is used to determine the larger value between the minimum cross-regional premium corresponding to any product and the second reference premium as the termination premium required for surrendering any product.

[0070] It should be noted that the foregoing explanation of the cross-regional minimum premium determination method embodiment also applies to the cross-regional minimum premium determination device of this embodiment, and will not be repeated here.

[0071] In this embodiment, multiple target regions where the minimum premium for the target product needs to be calculated are first identified. Then, based on the business needs of each target region and the type of the target product, at least one tier corresponding to the minimum premium for the target product in that target region is determined. Subsequently, based on the currency exchange rates between the multiple target regions and the minimum premium strategies corresponding to each tier, the cross-regional minimum premium for the target product across the multiple target regions is determined. This allows for control of the minimum premium at multiple tiers, meeting differentiated minimum premium requirements across regions and improving the flexibility and reliability of minimum premium determination.

[0072] To implement the above embodiments, this application also proposes an electronic device, including: a processor and a memory communicatively connected to the processor; the memory stores computer-executable instructions; the processor executes the computer-executable instructions stored in the memory to implement the method provided in the foregoing embodiments.

[0073] To implement the above embodiments, this application also proposes a computer-readable storage medium storing computer-executable instructions, which, when executed by a processor, are used to implement the methods provided in the foregoing embodiments.

[0074] To implement the above embodiments, this application also proposes a computer program product, including a computer program that, when executed by a processor, implements the methods provided in the foregoing embodiments.

[0075] The collection, storage, use, processing, transmission, provision, and disclosure of user personal information involved in this application all comply with the provisions of relevant laws and regulations and do not violate public order and good morals.

[0076] It should be noted that personal information collected from users should be used for legitimate and reasonable purposes and should not be shared or sold outside of these legitimate uses. Furthermore, such collection / sharing should only be conducted after receiving the user's informed consent, including but not limited to notifying the user to read the user agreement / user notice and sign an agreement / authorization that includes authorization of relevant user information before the user uses the function. In addition, any necessary steps must be taken to protect and safeguard access to such personal information data and ensure that others with access to personal information data comply with their privacy policies and procedures.

[0077] This application is intended to provide an implementation scheme for users to selectively prevent the use or access to their personal information data. Specifically, this disclosure is intended to provide hardware and / or software to prevent or block access to such personal information data. Once personal information data is no longer needed, risks can be minimized by restricting data collection and deleting data. Furthermore, where applicable, such personal information is de-identified to protect user privacy.

[0078] In the foregoing descriptions of the embodiments, the terms "one embodiment," "some embodiments," "example," "specific example," or "some examples," etc., refer to specific features, structures, materials, or characteristics described in connection with that embodiment or example, which are included in at least one embodiment or example of this application. In this specification, the illustrative expressions of the above terms do not necessarily refer to the same embodiment or example. Furthermore, the specific features, structures, materials, or characteristics described may be combined in any suitable manner in one or more embodiments or examples. Moreover, without contradiction, those skilled in the art can combine and integrate the different embodiments or examples described in this specification, as well as the features of different embodiments or examples.

[0079] Furthermore, the terms "first" and "second" are used for descriptive purposes only and should not be construed as indicating or implying relative importance or implicitly specifying the number of technical features indicated. Thus, a feature defined as "first" or "second" may explicitly or implicitly include at least one of that feature. In the description of this application, "multiple" means at least two, such as two, three, etc., unless otherwise explicitly specified.

[0080] Any process or method description in the flowchart or otherwise herein can be understood as representing a module, segment, or portion of code comprising one or more executable instructions for implementing custom logic functions or processes, and the scope of the preferred embodiments of this application includes additional implementations in which functions may be performed not in the order shown or discussed, including substantially simultaneously or in reverse order depending on the functions involved, as should be understood by those skilled in the art to which embodiments of this application pertain.

[0081] The logic and / or steps represented in the flowchart or otherwise described herein, for example, can be considered as a sequenced list of executable instructions for implementing logical functions, and can be embodied in any computer-readable medium for use by, or in conjunction with, an instruction execution system, apparatus, or device (such as a computer-based system, a processor-included system, or other system that can fetch and execute instructions from, an instruction execution system, apparatus, or device). For the purposes of this specification, "computer-readable medium" can be any means that can contain, store, communicate, propagate, or transmit programs for use by, or in conjunction with, an instruction execution system, apparatus, or device. More specific examples (a non-exhaustive list) of computer-readable media include: an electrical connection having one or more wires (electronic device), a portable computer disk drive (magnetic device), random access memory (RAM), read-only memory (ROM), erasable and editable read-only memory (EPROM or flash memory), fiber optic devices, and portable optical disc read-only memory (CDROM). Alternatively, the computer-readable medium may be paper or other suitable media on which the program can be printed, since the program can be obtained electronically, for example, by optically scanning the paper or other medium, followed by editing, interpreting, or otherwise processing as necessary, and then stored in a computer memory.

[0082] It should be understood that various parts of this application can be implemented using hardware, software, firmware, or a combination thereof. In the above embodiments, multiple steps or methods can be implemented using software or firmware stored in memory and executed by a suitable instruction execution system. For example, if implemented in hardware as in another embodiment, it can be implemented using any one or a combination of the following techniques known in the art: discrete logic circuits having logic gates for implementing logical functions on data signals, application-specific integrated circuits (ASICs) having suitable combinational logic gates, programmable gate arrays (PGAs), field-programmable gate arrays (FPGAs), etc.

[0083] Those skilled in the art will understand that all or part of the steps of the methods in the above embodiments can be implemented by a program instructing related hardware. The program can be stored in a computer-readable storage medium, and when executed, the program includes one or a combination of the steps of the method embodiments.

[0084] Furthermore, the functional units in the various embodiments of this application can be integrated into a processing module, or each unit can exist physically separately, or two or more units can be integrated into a module. The integrated module can be implemented in hardware or as a software functional module. If the integrated module is implemented as a software functional module and sold or used as an independent product, it can also be stored in a computer-readable storage medium.

[0085] The storage medium mentioned above can be a read-only memory, a disk, or an optical disk, etc. Although embodiments of this application have been shown and described above, it is understood that the above embodiments are exemplary and should not be construed as limiting this application. Those skilled in the art can make changes, modifications, substitutions, and variations to the above embodiments within the scope of this application.

Claims

1. A method for determining the minimum insurance premium across regions, characterized in that, The method comprises the following steps: determining a plurality of target regions for which the target product currently needs to calculate the minimum premium; determining at least one level corresponding to the minimum premium of the target product in each target region according to the business needs of each target region and the type of the target product, and a minimum premium strategy of each level; determining the cross-region minimum premium of the target product in the plurality of target regions according to the currency exchange rate between the plurality of target regions, and the minimum premium strategy corresponding to all levels respectively.

2. The method of claim 1, wherein, The step of determining at least one level corresponding to the minimum premium of the target product in each target region according to the business needs of each target region and the type of the target product comprises: in the case that the target product is a combination product, the level comprises at least one of product, insurance type, insurance category and subject matter; or in the case that the target product is a single insurance type product, the level comprises at least one of insurance type, insurance category and subject matter.

3. The method of claim 1, wherein, The minimum premium strategy comprises a calculation mode, and the calculation mode comprises at least one of all, except, specified, specific combination and subject matter.

4. The method of claim 1, wherein, The step of determining the cross-region minimum premium of the target product in the plurality of target regions according to the currency exchange rate between the plurality of target regions, and the minimum premium strategy corresponding to all levels respectively comprises: for each target region, determining a first minimum premium of each level and a currency corresponding to the first minimum premium; determining a reference currency of the cross-region minimum premium according to the currency exchange rate between the plurality of target regions and / or the target regions; determining a second minimum premium corresponding to each first minimum premium according to the currency exchange rate, wherein the second minimum premium corresponds to the reference currency; comparing all second minimum premiums, and determining the maximum value among the all second minimum premiums as the cross-region minimum premium of the target product in the plurality of target regions.

5. The method of claim 1, wherein, After the step of determining the cross-region minimum premium of the target product in the plurality of target regions, the method further comprises: calculating the total premium of a plurality of specific objects in the target product to obtain a first reference premium, wherein the plurality of specific objects comprise subject matter, subject and sub-insurance type; in the case that the cross-region minimum premium is greater than the reference premium, calculating the difference between the cross-region minimum premium and the first reference premium; updating the premium of each specific object according to the proportion of the sum of the premium of each specific object in the total sum of the premium and the difference.

6. The method of claim 5, wherein, After the step of calculating the difference between the cross-region minimum premium and the first reference premium, the method further comprises: in the case that any specific object satisfies a specific condition, updating the premium of each specific object according to the proportion of the premium of each specific object in the first reference premium and the difference, wherein the specific condition is that the sum of the premium is zero and the premium is not zero.

7. The method according to any of claims 1 to 6, characterized in that The method further comprises: in the case that a refund instruction is received for any product, determining a second reference premium according to the policy information associated with the any product; The larger value between the cross-region minimum premium of the any product and the second reference premium is determined as the termination premium required for the any product.

8. A cross-regional minimum premium determination apparatus characterized by comprising: The method comprises the steps of: A first determining module is configured to determine a plurality of target regions for which the target product currently needs to calculate minimum premiums; A second determining module is configured to determine at least one level corresponding to the minimum premium of the target product in each target region according to the business needs of each target region and the type of the target product, and a minimum premium strategy of each level; A third determining module is configured to determine the cross-region minimum premiums of the target product in the plurality of target regions according to the currency exchange rate between the plurality of target regions, and the minimum premium strategies of all levels respectively.

9. An electronic device, comprising: The method comprises the steps of: A processor and a memory connected to the processor in communication; The memory stores computer-executable instructions; The processor executes the computer-executable instructions stored in the memory to implement the method according to any one of claims 1-7.

10. A computer-readable storage medium, characterized in that, The computer-readable storage medium stores computer-executable instructions, and the computer-executable instructions are executed by the processor to implement the method according to any one of claims 1-7.

11. A computer program product, characterised in that, The computer program is executed by the processor to implement the method according to any one of claims 1-7.

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