Salary data generation method and device and electronic equipment
By calculating target and actual premium income, the upper and lower limits of sales incentives are determined, and the actual sales incentives are flexibly adjusted. This solves the problem of cost overruns caused by inaccurate preset expense ratios in existing technologies and achieves reasonable compensation data generation.
Patent Information
- Authority / Receiving Office
- CN · China
- Patent Type
- Applications(China)
- Current Assignee / Owner
- Filing Date
- 2025-12-31
- Publication Date
- 2026-04-14
AI Technical Summary
Existing technologies cannot effectively avoid cost overruns caused by inaccurate preset available cost rates, and cannot generate reasonable payroll data.
By calculating the target premium income and the target upper limit of the sales incentive ratio, the target sales incentive is determined, and the actual upper limit is calculated after the actual premium income is statistically analyzed. The actual sales incentive is flexibly adjusted to control the total expense and realize the supplementary payment or deduction of the sales incentive.
During the policy sales process, expenses can be flexibly controlled to avoid overspending and generate reasonable payroll data.
Smart Images
Figure CN121860595A_ABST
Abstract
Description
Technical Field
[0001] This application belongs to the field of insurance business technology, and in particular relates to a method, apparatus and electronic device for generating payroll data. Background Technology
[0002] To avoid cost overruns during insurance product sales (i.e., policy sales), the following approach is typically used in related technologies: strictly limit sales incentive expenditures for any combination of any insurance product dimensions. The limitation condition is: the sum of the proportion of available expenses (i.e., the proportion of the planning scheme + the proportion of other expenses) ≤ the available expense rate * the branch's available proportion (i.e., 100% - the head office's reserved proportion), thereby limiting the total cost of policy sales.
[0003] However, the above scheme relies on the available expense ratio preset before the policy is sold. By limiting the proportion of expenses that can be paid before the actual policy sales process, it controls the expenses of different insurance products in different dimensions. Therefore, it cannot avoid or effectively solve the problem of overspending caused by the inaccuracy of the preset available expense ratio, and thus cannot generate reasonable payroll data. Summary of the Invention
[0004] The purpose of this application is to provide a method, apparatus, and electronic device for generating salary data, so as to solve the problem in the related art that the problem of cost overruns cannot be avoided or effectively solved, and thus reasonable salary data cannot be generated.
[0005] To achieve the above objectives, the embodiments of this application adopt the following technical solutions: In a first aspect, embodiments of this application provide a method for generating compensation data, comprising: calculating a target upper limit for a sales incentive ratio based on the target premium income of an input insurance product; determining a target sales incentive based on the target upper limit for the sales incentive ratio and the target premium income; calculating an actual upper limit for the sales incentive ratio based on the actual premium income of the input insurance product; determining an actual upper limit for the sales incentive based on the actual upper limit for the sales incentive ratio and the actual premium income; outputting the actual sales incentive based on the target sales incentive and the actual upper limit for the sales incentive; and generating compensation data based on the actual sales incentive.
[0006] Secondly, embodiments of this application provide a payroll data generation apparatus, comprising: a first calculation module, configured to calculate a target upper limit for a sales incentive ratio based on the target premium income of an input insurance product; a first determination module, configured to determine a target sales incentive based on the target upper limit for the sales incentive ratio and the target premium income; a second calculation module, configured to calculate an actual upper limit for the sales incentive ratio based on the actual premium income of the input insurance product; a second determination module, configured to determine an actual upper limit for the sales incentive ratio based on the actual upper limit for the sales incentive ratio and the actual premium income; an output module, configured to output the actual sales incentive based on the target sales incentive and the actual upper limit for the sales incentive; and a generation module, configured to generate payroll data based on the actual sales incentive.
[0007] Thirdly, embodiments of this application provide an electronic device, including: a processor, a memory, and a program or instructions stored in the memory and executable on the processor, wherein the program or instructions, when executed by the processor, implement the steps of the method described in the first aspect.
[0008] The above-described technical solutions adopted in the embodiments of this application can achieve the following beneficial effects: Before the actual premium data is compiled, this application's embodiments estimate the target premium income based on the past sales performance of the insurance product, and estimate the target upper limit of the sales incentive ratio (i.e., the planning scheme ratio) and the target sales incentive. It allows the target sales incentive to be configured according to the target upper limit of the estimated sales incentive ratio. After the actual premium data is compiled, the actual upper limit of the sales incentive ratio and the actual sales incentive upper limit are calculated based on the actual premium income. The actual sales incentive is flexibly adjusted according to the difference between the target sales incentive and the actual sales incentive upper limit. This allows for the supplementary payment or deduction of sales incentives, flexibly controlling the total expenses in the policy sales process, avoiding the problem of overspending, and thus generating reasonable compensation data. Attached Figure Description
[0009] The accompanying drawings, which are included to provide a further understanding of this application and form part of this application, illustrate exemplary embodiments and are used to explain this application, but do not constitute an undue limitation of this application. In the drawings: Figure 1 A flowchart illustrating a method for generating salary data according to an embodiment of this application; Figure 2 A schematic diagram illustrating the configuration process of a target sales incentive provided for one embodiment of this application; Figure 3 A schematic diagram of the sales incentive adjustment process provided for one embodiment of this application; Figure 4A schematic diagram of a salary data generation apparatus provided in one embodiment of this application; Figure 5 This is a schematic diagram of the structure of an electronic device provided in one embodiment of this application. Detailed Implementation
[0010] To make the objectives, technical solutions, and advantages of this application clearer, the technical solutions of this application will be clearly and completely described below in conjunction with specific embodiments and corresponding drawings. Obviously, the described embodiments are only a part of the embodiments of this application, and not all of them. Based on the embodiments in this application, all other embodiments obtained by those skilled in the art without creative effort are within the scope of protection of this application.
[0011] The terms "first," "second," etc., used in this application are used to distinguish similar objects and not to describe a specific order or sequence. It should be understood that such data can be interchanged where appropriate so that embodiments of this application can be implemented in orders other than those illustrated or described herein. Furthermore, "and / or" in this application indicates at least one of the connected objects, and the character " / " generally indicates that the preceding and following objects are in an "or" relationship. It should be noted that all data involved in this application was obtained with the user's authorization.
[0012] The technical solutions provided in the embodiments of this application are described in detail below with reference to the accompanying drawings.
[0013] Figure 1 This is a flowchart illustrating a method for generating salary data, provided as an embodiment of this application. Figure 1 As shown, the method for generating salary data in this application embodiment may specifically include the following steps: S101, calculate the target upper limit of the sales incentive ratio based on the target premium income of the input insurance product.
[0014] In this embodiment of the application, the execution entity of the salary data generation method is a salary data generation device, which can be located in an electronic device. This electronic device can be a terminal device or a server. The terminal device can be a mobile phone, tablet computer, desktop computer, laptop, in-vehicle device, etc.; the server can be a standalone server or a server cluster composed of multiple servers. For example, in the insurance business field, the salary data generation device can be located in an insurance business platform.
[0015] Before the actual premium data is available, the target premium income can be estimated based on the past sales performance of different provinces and cities, different insurance products, and different sales dimensions and scenarios. The target upper limit of the sales incentive ratio (i.e. the planning ratio) that can be issued can also be estimated.
[0016] Premium income refers to the consideration received by an insurance company from the policyholder in order to fulfill its obligations under the insurance contract. It is the insurance company's most important source of funds and also the most important source of funds for the insurer to fulfill its insurance responsibilities.
[0017] Target premium income refers to the insurance company's internal estimate of premium income.
[0018] Sales incentive ratio refers to the percentage of sales revenue that insurance companies set as an additional incentive for sales personnel during the policy sales process, in addition to the commissions they receive from sales.
[0019] The target upper limit of the sales incentive ratio refers to the insurance company's internal estimate of the upper limit of the sales incentive ratio. In other words, it is the ratio of the incentive to the sales amount calculated by the insurance company based on the target premium income and other expenses. It can be used as the upper limit to be followed when configuring the sales incentive ratio data.
[0020] As a feasible implementation method, the target upper limit of the sales incentive ratio can be calculated using the following formula (1): (1) in, E i This represents the target upper limit for the sales reward ratio in any sales dimension scenario i. P i For the target premium income in scenario i of the sales dimension, R i This refers to the cost generation coefficient in scenario i of the sales dimension. O k In addition to sales incentives, the first k Expenditures, P j For sales-related scenarios j The target premium income is as follows.
[0021] "Creation expenses" refers to the disposable expenses generated by an insurance company during the insurance sales process.
[0022] Suppose the branch company sets the total target premium income for product A as follows: P Product A in different sales scenarios j ( j The target premium income under (=1, 2, ..., d) is: P1,2…d The creation cost coefficient is R 1,2,…,d Expenses other than sales incentives are n items. O 1,2…n Then, the target upper limit of the sales reward ratio for product A in any sales dimension scenario i (i.e., the upper limit of the estimated planning ratio) is... It can be calculated using the above formula (1).
[0023] S102, determine the target sales reward based on the target upper limit of the sales reward ratio and the target premium income.
[0024] In this embodiment, the target sales reward, i.e., the estimated sales reward to be paid, is calculated based on the target premium income and the target upper limit of the sales reward ratio calculated in step S101. The ratio of the target sales reward to the target premium income is equal to or less than the target upper limit of the sales reward ratio.
[0025] As a first feasible implementation method, the target value of the sales reward ratio can be determined first based on the target upper limit of the sales reward ratio calculated in step S101. The target value of the sales reward ratio is equal to or less than the target upper limit of the sales reward ratio. Then, the target sales reward is determined based on the target value of the sales reward ratio and the target premium income. Specifically, the target value of the sales reward ratio can be calculated using a preset formula (e.g., target upper limit of sales reward ratio - 0.5%) based on the target upper limit of the sales reward ratio. For example, if the target premium income is 100 yuan and the target upper limit of the sales reward ratio calculated in step S101 is 5%, then the target value of the sales reward ratio can be determined as 5% - 0.5% = 4.5% (4.5% < 5%), and the target sales reward can then be determined as 100 yuan * 4.5% = 4.5 yuan.
[0026] As a second feasible implementation method, the target upper limit of the sales reward can be determined first based on the target upper limit of the sales reward ratio and the target premium income calculated in step S101. Then, the target sales reward can be determined based on the target upper limit of the sales reward, where the target sales reward is equal to or less than the target upper limit of the sales reward. For example, if the target premium income is 100 yuan and the target upper limit of the sales reward ratio calculated in step S101 is 5%, then the target upper limit of the sales reward can be determined as 100 yuan * 5% = 5 yuan, and the target sales reward can be determined as 4.5 yuan (4.5 < 5).
[0027] S103, calculate the actual upper limit of the sales incentive ratio based on the actual premium income of the input insurance product.
[0028] In this embodiment of the application, after the actual premium data is statistically analyzed, the actual premium income can be determined based on the actual sales situation of different insurance products in different provinces and cities under different sales dimensions, and the actual upper limit of the sales incentive ratio (i.e. the planning scheme ratio) that can be issued can be calculated.
[0029] Actual premium income, as opposed to target premium income, represents the actual consideration received by the insurance company from the policyholder. Actual premium income can be equal to, greater than, or less than target premium income.
[0030] The actual upper limit of the sales incentive ratio differs from the target upper limit. The actual upper limit refers to the upper limit of the sales incentive ratio calculated internally by the insurance company based on actual premium income. In other words, it's the percentage of the incentive calculated internally by the insurance company based on actual premium income and other expenses, and it serves as the upper limit to be followed when configuring sales incentive ratio data. The actual upper limit of the sales incentive ratio can be equal to, greater than, or less than the target upper limit.
[0031] As a feasible implementation method, the actual upper limit of the sales incentive ratio can be calculated using the following formula (2): (2) in, T i This represents the actual upper limit of the sales reward ratio in any sales dimension scenario i. S i This refers to the actual premium income in scenario i of the sales dimension. R i This refers to the cost generation coefficient in scenario i of the sales dimension. O k In addition to sales incentives, the first k Expenditures, S j For sales-related scenarios j The actual premium income.
[0032] Let the total actual premium income of product A set by the branch company be... S Product A in different sales scenarios j ( j The actual premium income under the condition =1,2,...,d) is: S 1,2…d The creation cost coefficient is R 1,2,…,d Expenses other than sales incentives are n items. O 1,2…n Then, the actual upper limit of the sales reward ratio of product A in any sales dimension scenario i (i.e., the actual upper limit of the planning scheme ratio) is... It can be calculated using the above formula (2).
[0033] S104. The actual sales reward cap is determined based on the actual cap of the sales reward ratio and the actual premium income.
[0034] In this embodiment of the application, the upper limit of the actual sales reward is the upper limit of the actual sales reward, and the actual sales reward is equal to or less than the upper limit of the actual sales reward.
[0035] The actual sales reward cap = actual premium income * actual upper limit of the sales reward ratio. For example, if the actual premium income is 90 yuan, and the actual upper limit of the sales reward ratio calculated in step S103 is 4%, then the actual sales reward cap = 90 yuan * 4% = 3.6 yuan.
[0036] S105 outputs the actual sales reward based on the target sales reward and the actual sales reward cap.
[0037] In this embodiment of the application, the target sales reward determined in step S102 and the upper limit of the actual sales reward determined in step S104 can be compared, the target sales reward can be adjusted according to the comparison result, and the adjusted sales reward, i.e., the actual sales reward, can be output.
[0038] As a first feasible implementation, if the target sales reward determined in step S102 is equal to the upper limit of the actual sales reward determined in step S104, then the actual sales reward is determined to be equal to the target sales reward, and the actual sales reward is output.
[0039] As a second feasible implementation, if the target sales reward determined in step S102 is greater than the actual sales reward cap determined in step S104, it indicates that the previously configured target sales reward is too large and needs to be reduced. Therefore, the sales reward reduction data is calculated as: Target Sales Reward - Actual Sales Reward Cap. Sales reward reduction approval information is generated based on the sales reward reduction data. Based on the approval result of the sales reward reduction approval information, the actual sales reward is determined and output. If the approval result is approved, the actual sales reward is determined to be equal to the actual sales reward cap. If the approval result is not approved, the sales reward reduction data can be adjusted and the sales reward reduction approval information can be resubmitted until approval is granted. If the approval result is not approved and new sales reward reduction data is provided, the actual sales reward is determined based on the new sales reward reduction data.
[0040] For example, if the target sales reward determined in step S102 is 4.5 yuan, and the upper limit of the actual sales reward determined in step S104 is 3.6 yuan, and 4.5 yuan > 3.6 yuan, then the sales reward deduction data is calculated as 4.5 yuan - 3.6 yuan = 0.9 yuan. Submit the approval information for deducting 0.9 yuan. If the approval result is approved, then the actual sales reward is determined to be equal to the upper limit of the actual sales reward = 3.6 yuan. If the approval result is not approved, the sales reward deduction data can be adjusted, for example, to 0.8 yuan, and the approval information for deducting 0.8 yuan can be resubmitted. If the approval result is not approved, the above process is repeated until approval is granted. If the approval result is not approved and a new sales reward deduction data of 0.5 yuan is given, then the actual sales reward is determined based on the new sales reward deduction data as 4.5 yuan - 0.5 yuan = 4 yuan.
[0041] As a third feasible implementation, if the target sales reward determined in step S102 is less than the actual sales reward cap determined in step S104, it indicates that the previously configured target sales reward was too small and needs to be supplemented. Therefore, the supplementary sales reward data is calculated as: Actual Sales Reward Cap - Target Sales Reward. Sales reward supplementary approval information is generated based on the sales reward deduction data. The actual sales reward is determined and output based on the approval result of the supplementary approval information. If the approval result is approved, the actual sales reward is determined to be equal to the actual sales reward cap. If the approval result is not approved, the supplementary sales reward data can be adjusted and the supplementary approval information can be resubmitted until approval is granted. If the approval result is not approved and new supplementary sales reward data is provided, the actual sales reward is determined based on the new supplementary sales reward data.
[0042] S106 generates salary data based on actual sales bonuses.
[0043] To clearly illustrate the configuration process of the target sales incentive in the embodiments of this application, the following is combined with... Figure 2 Provide a detailed description. For example... Figure 2 As shown, the process includes the following steps: setting the target premium income; calculating the target upper limit of the sales reward ratio; approving the target upper limit of the sales reward ratio; if it fails, it means that the configuration of the sales reward ratio is not allowed, and the configuration process ends; if it passes, the target value of the sales reward ratio is configured. It then checks whether the target value of the sales reward ratio is less than or equal to the target upper limit of the sales reward ratio; if not, it means that the import failed, and the configuration process ends; if yes, it means that the import was successful, and the target sales reward is approved based on the target value of the sales reward ratio; if it fails, it means that the target sales reward is invalid, and the configuration process ends; if it passes, it means that the target sales reward is effective, and the configuration process ends.
[0044] To clearly illustrate the adjustment process of sales incentives in the embodiments of this application, the following is combined with... Figure 3 Provide a detailed description. For example... Figure 3 The process includes the following steps: obtaining actual premium income; calculating the actual upper limit of the sales reward ratio and the actual sales reward upper limit; determining whether the actual sales reward upper limit is greater than the configured target sales reward; if so, calculating the sales reward reissue data and approving the reissue; if the reissue approval is approved, the sales reward reissue plan takes effect and the adjustment process ends; if the reissue approval is not approved, the sales reward reissue plan is invalid and the adjustment process ends; if not, determining whether the actual sales reward upper limit is less than the configured target sales reward; if not, the adjustment process ends. If so, calculating the sales reward deduction data and approving the sales reward deduction; if the deduction approval is approved, the sales reward deduction plan takes effect and the adjustment process ends; if the deduction approval is not approved, the sales reward deduction plan is invalid and the adjustment process ends.
[0045] In summary, the salary data generation method of this application, before the actual premium data is statistically analyzed, estimates the target premium income based on the past sales performance of the insurance product, and estimates the target upper limit of the sales incentive ratio (i.e., the planning scheme ratio) and the target sales incentive. It allows the target sales incentive to be configured according to the target upper limit of the estimated sales incentive ratio. After the actual premium data is statistically analyzed, the actual upper limit of the sales incentive ratio and the actual sales incentive upper limit are calculated based on the actual premium income. The actual sales incentive is flexibly adjusted according to the difference between the target sales incentive and the actual sales incentive upper limit. This allows for the supplementary payment or deduction of sales incentives, flexibly controlling the total expenses in the policy sales process, avoiding the problem of overspending, and thus generating reasonable salary data.
[0046] This application also provides an apparatus for generating salary data. For example... Figure 4 As shown, the salary data generation device 400 of this application embodiment may specifically include: a first calculation module 401, a first determination module 402, a second calculation module 403, a second determination module 404, an output module 405, and a generation module 406. Wherein: The first calculation module 401 is used to calculate the target upper limit of the sales incentive ratio based on the target premium income of the input insurance product.
[0047] The first determining module 402 is used to determine the target sales reward based on the target upper limit of the sales reward ratio and the target premium income.
[0048] The second calculation module 403 is used to calculate the actual upper limit of the sales incentive ratio based on the actual premium income of the input insurance product.
[0049] The second determining module 404 is used to determine the actual sales reward cap based on the actual cap of the sales reward ratio and the actual premium income.
[0050] Output module 405 is used to output the actual sales reward based on the target sales reward and the upper limit of the actual sales reward.
[0051] Module 406 is used to generate salary data based on actual sales bonuses.
[0052] In the embodiments of this application, the specific process by which each module implements its function can be found in the relevant description of any of the above-mentioned salary data generation method embodiments, and will not be repeated here.
[0053] The payroll data generation device in this application embodiment estimates the target premium income based on the past sales performance of the insurance product before the actual premium data is compiled. It also estimates the target upper limit of the sales incentive ratio (i.e., the planning scheme ratio) and the target sales incentive. It allows the target sales incentive to be configured according to the target upper limit of the estimated sales incentive ratio. After the actual premium data is compiled, it calculates the actual upper limit of the sales incentive ratio and the actual sales incentive upper limit based on the actual premium income. It flexibly adjusts the actual sales incentive based on the difference between the target sales incentive and the actual sales incentive upper limit. This allows for the supplementary payment or deduction of sales incentives, flexibly controlling the total expenses in the policy sales process, avoiding the problem of overspending, and thus generating reasonable payroll data.
[0054] This application also provides an electronic device. For example... Figure 5 As shown, the electronic device 500 can vary significantly due to differences in configuration or performance. It may include one or more processors 501 and memory 502, with memory 502 storing one or more programs or instructions. Memory 502 can be temporary or permanent storage. The program stored in memory 502 may include one or more modules (not shown), each module including a series of computer-executable instructions for the electronic device 500. Furthermore, processor 501 may be configured to communicate with memory 502, executing the series of programs or computer-executable instructions stored in memory 502 on the electronic device 500. The electronic device 500 may also include one or more power supplies 503, one or more wired or wireless network interfaces 504, one or more input / output interfaces 505, and one or more keyboards 506.
[0055] Specifically, in the embodiments of this application, the electronic device includes a processor, a memory, and a program or instructions stored in the memory and executable on the processor. When the program or instructions are executed by the processor, they implement the steps of any of the above-described salary data generation method embodiments.
[0056] The electronic device in this application embodiment estimates the target premium income based on the past sales performance of the insurance product before the actual premium data is collected. It also estimates the target upper limit of the sales incentive ratio (i.e., the planning scheme ratio) and the target sales incentive. It allows the target sales incentive to be configured according to the target upper limit of the estimated sales incentive ratio. After the actual premium data is collected, it calculates the actual upper limit of the sales incentive ratio and the actual sales incentive upper limit based on the actual premium income. It flexibly adjusts the actual sales incentive based on the difference between the target sales incentive and the actual sales incentive upper limit. This allows for the supplementary payment or deduction of sales incentives, flexibly controlling the total expenses in the policy sales process, avoiding the problem of overspending, and thus generating reasonable salary data.
[0057] This application also proposes a readable storage medium storing one or more computer programs or instructions that, when executed by a processor in an electronic device, enable the processor in the electronic device to perform the steps of any of the above-described salary data generation method embodiments.
[0058] The readable storage medium of this application embodiment estimates the target premium income based on the past sales performance of the insurance product before the actual premium data is statistically available. It also estimates the target upper limit of the sales incentive ratio (i.e., the planning scheme ratio) and the target sales incentive. It allows the target sales incentive to be configured according to the target upper limit of the estimated sales incentive ratio. After the actual premium data is statistically available, it calculates the actual upper limit of the sales incentive ratio and the actual sales incentive upper limit based on the actual premium income. It flexibly adjusts the actual sales incentive based on the difference between the target sales incentive and the actual sales incentive upper limit, which can realize the supplementary payment or deduction of sales incentives, flexibly control the total expenses in the policy sales process, avoid the problem of overspending, and thus generate reasonable salary data.
[0059] The systems, devices, modules, or units described in the above embodiments can be implemented by computer chips or entities, or by products with certain functions. A typical implementation device is a computer. Specifically, a computer can be, for example, a personal computer, laptop computer, cellular phone, camera phone, smartphone, personal digital assistant, media player, navigation device, email device, game console, tablet computer, wearable device, or any combination of these devices.
[0060] For ease of description, the above devices are described separately by function as various units. Of course, in implementing this application, the functions of each unit can be implemented in one or more software and / or hardware.
[0061] Those skilled in the art will understand that embodiments of this application can be provided as methods, systems, or computer program products. Therefore, this application can take the form of a completely hardware embodiment, a completely software embodiment, or an embodiment combining software and hardware aspects. Furthermore, this application can take the form of a computer program product embodied on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.
[0062] This application is described with reference to flowchart illustrations and / or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of this application. It will be understood that each block of the flowchart illustrations and / or block diagrams, and combinations of blocks in the flowchart illustrations and / or block diagrams, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, special-purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, generate instructions for implementing the flowchart... Figure 1 One or more processes and / or boxes Figure 1 A device that provides the functions specified in one or more boxes.
[0063] These computer program instructions may also be stored in a computer-readable storage medium that can direct a computer or other programmable data processing device to function in a particular manner, such that the instructions stored in the computer-readable storage medium produce an article of manufacture including instruction means, which are implemented in a process Figure 1 One or more processes and / or boxes Figure 1 The function specified in one or more boxes.
[0064] These computer program instructions may also be loaded onto a computer or other programmable data processing equipment to cause a series of operational steps to be performed on the computer or other programmable equipment to produce a computer-implemented process, thereby providing instructions that execute on the computer or other programmable equipment for implementing the process. Figure 1 One or more processes and / or boxes Figure 1 The steps of the function specified in one or more boxes.
[0065] In a typical configuration, a computing device includes one or more processors (CPU), input / output interfaces, network interfaces, and memory.
[0066] Memory may include non-persistent storage in computer-readable media, such as random access memory (RAM) and / or non-volatile memory, such as read-only memory (ROM) or flash RAM. Memory is an example of computer-readable media.
[0067] Computer-readable media includes both permanent and non-permanent, removable and non-removable media that can store information using any method or technology. Information can be computer-readable instructions, data structures, modules of programs, or other data. Examples of computer storage media include, but are not limited to, phase-change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technologies, CD-ROM, digital versatile optical disc (DVD) or other optical storage, magnetic tape, magnetic magnetic disk storage or other magnetic storage devices, or any other non-transferable medium that can be used to store information accessible by a computing device. As defined herein, computer-readable media does not include transient computer-readable media, such as modulated data signals and carrier waves.
[0068] It should also be noted that the terms "comprising," "including," or any other variations thereof are intended to cover non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements includes not only those elements but also other elements not expressly listed, or elements inherent to such process, method, article, or apparatus. Unless otherwise specified, an element defined by the phrase "comprising one..." does not exclude the presence of other identical elements in the process, method, article, or apparatus that includes that element.
[0069] This application can be described in the general context of computer-executable instructions, such as program modules, that are executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, etc., that perform a specific task or implement a specific abstract data type. This application can also be practiced in distributed computing environments where tasks are performed by remote processing devices connected via a communication network. In distributed computing environments, program modules can reside in local and remote computer storage media, including storage devices.
[0070] The various embodiments in this specification are described in a progressive manner. Similar or identical parts between embodiments can be referred to interchangeably. Each embodiment focuses on describing the differences from other embodiments. In particular, the system embodiments are basically similar to the method embodiments, so the description is relatively simple; relevant parts can be referred to the descriptions in the method embodiments.
[0071] The above are merely embodiments of this application and are not intended to limit the scope of this application. Various modifications and variations can be made to this application by those skilled in the art. Any modifications, equivalent substitutions, improvements, etc., made within the spirit and principles of this application should be included within the scope of the claims of this application.
Claims
1. A method for generating salary data, characterized in that, include: Calculate the target upper limit of the sales incentive ratio based on the target premium income of the input insurance product; The target sales incentive is determined based on the target upper limit of the sales incentive ratio and the target premium income; Calculate the actual upper limit of the sales incentive ratio based on the actual premium income of the insurance product input. The actual sales reward cap is determined based on the actual upper limit of the sales reward ratio and the actual premium income; Based on the target sales reward and the actual sales reward cap, output the actual sales reward; Salary data is generated based on the actual sales bonuses.
2. The method according to claim 1, characterized in that, The calculation of the target upper limit of the sales incentive ratio based on the target premium income of the input insurance product includes: The target upper limit for the sales incentive ratio is calculated using the following formula: Among them, the E i The target upper limit of the sales reward ratio in any sales dimension scenario i is the... P i For the target premium income in sales dimension scenario i, the R i For the sales dimension scenario i, the cost generation coefficient is... O k In addition to sales incentives, the first k The expenses mentioned P j For sales-related scenarios j The target premium income is as described below.
3. The method according to claim 1, characterized in that, The determination of the target sales reward based on the target upper limit of the sales reward ratio and the target premium income includes: Based on the target upper limit of the sales reward ratio, a target value for the sales reward ratio is determined, wherein the target value for the sales reward ratio is equal to or less than the target upper limit of the sales reward ratio. The target sales incentive is determined based on the target value of the sales incentive ratio and the target premium income.
4. The method according to claim 1, characterized in that, The step of calculating the actual upper limit of the sales incentive ratio based on the actual premium income of the input insurance product includes: The actual upper limit of the sales incentive ratio is calculated using the following formula: Among them, the T i The actual upper limit of the sales reward ratio in any sales dimension scenario i is the... S i For the actual premium income in sales dimension scenario i, the R i For the sales dimension scenario i, the cost generation coefficient is... O k In addition to sales incentives, the first k The expenses mentioned S j For sales-related scenarios j The actual premium income mentioned below.
5. The method according to claim 1, characterized in that, The step of outputting the actual sales reward based on the target sales reward and the actual sales reward cap includes: If the target sales reward is equal to the upper limit of the actual sales reward, then the actual sales reward is determined to be equal to the target sales reward, and the actual sales reward is output.
6. The method according to claim 1, characterized in that, The step of outputting the actual sales reward based on the target sales reward and the actual sales reward cap includes: If the target sales reward is greater than the actual sales reward cap, then calculate the sales reward deduction data; Generate sales reward deduction approval information based on the aforementioned sales reward deduction data; Based on the approval result of the sales reward deduction approval information, the actual sales reward is determined and output.
7. The method according to claim 1, characterized in that, The step of outputting the actual sales reward based on the target sales reward and the actual sales reward cap includes: If the target sales reward is less than the actual sales reward cap, then calculate the supplementary sales reward data; Generate sales incentive reissue approval information based on the aforementioned sales incentive reissue data; Based on the approval result of the sales incentive reissue approval information, the actual sales incentive is determined and output.
8. The method according to claim 3, characterized in that, Determining the target value of the sales reward ratio based on the target upper limit of the sales reward ratio includes: The target value of the sales reward ratio is calculated using a preset formula based on the target upper limit of the sales reward ratio.
9. A device for generating salary data, characterized in that, include: The first calculation module is used to calculate the target upper limit of the sales incentive ratio based on the target premium income of the input insurance product. The first determining module is used to determine the target sales reward based on the target upper limit of the sales reward ratio and the target premium income; The second calculation module is used to calculate the actual upper limit of the sales incentive ratio based on the actual premium income of the input insurance product. The second determining module is used to determine the actual sales reward cap based on the actual cap of the sales reward ratio and the actual premium income; The output module is used to output the actual sales reward based on the target sales reward and the actual sales reward cap; The generation module is used to generate salary data based on the actual sales bonuses.
10. An electronic device, characterized in that, include: A processor, a memory, and a program or instructions stored in the memory and executable on the processor, wherein the program or instructions, when executed by the processor, implement the steps of the method as claimed in any one of claims 1-8.