Insurance policy processing method, apparatus and device, and computer readable storage medium
By generating first-level information and deleting similar information, and merging policies of different insurance types, the problem of information and control fragmentation in the insurance company's policy management system is solved, achieving data reduction and effective risk control.
Patent Information
- Authority / Receiving Office
- CN · China
- Patent Type
- Applications(China)
- Current Assignee / Owner
- PING AN HEALTH INSURANCE CO LTD
- Filing Date
- 2026-01-16
- Publication Date
- 2026-05-01
AI Technical Summary
Existing insurance companies' policy management systems suffer from data redundancy and risk control failures due to the fragmentation of information and control across different insurance types.
By generating first-level information, it is determined whether there is information in the first insurance seed information that has a similarity to the second insurance seed information that is less than or equal to a preset threshold. If similar information exists, the similar information is deleted, and second-level information is generated. Finally, the information is merged into the target policy, thereby realizing the association of information on different insurance types.
It reduces redundant data and code, lowers the probability of failure in risk management between policies, and enables the association and risk management of information from different insurance types.
Smart Images
Figure CN121961748A_ABST
Abstract
Description
Technical Field
[0001] This application relates to the field of data processing technology, and more particularly to a policy processing method, apparatus, device, and computer-readable storage medium. Background Technology
[0002] Currently, most insurance companies use data management systems with different architectures to manage policies. However, this mixed system architecture can lead to many problems. For example, traditional underwriting and policy maintenance systems suffer from data silos, scattered data points, and a lack of systematic design when dealing with shared limits and shared relationships.
[0003] Most policy data management systems in related technologies are developed independently based on the outdated point-based development model of one function per matter. For example, limit logic is set separately for specific insurance types and liability items. Under this approach, there will be data and logic separation between functional modules, resulting in data and code redundancy and information and control separation for different insurance types. At the same time, it is easy to cause the information of the same insured under different insurance types to be unable to be linked, thereby making risk control between policies ineffective. Summary of the Invention
[0004] This application provides a policy processing method, apparatus, device, and computer-readable storage medium, aiming to solve the problem of information and control fragmentation among different types of insurance in related technologies, realize the association of information of different types of insurance, reduce redundant data and code, and reduce the probability of failure of risk control between policies.
[0005] Firstly, this application provides a policy processing method, which includes the following steps: In response to a data synchronization command, the first pending insurance policy and the second pending insurance policy of the target customer are obtained. The first pending insurance policy includes information on the first type of insurance and information on the first seed insurance policy. The second pending insurance policy includes information on the second type of insurance and information on the second seed insurance policy. First-level information is generated based on the first type of insurance information and the second type of insurance information; Based on the first level information, it is determined whether there is first similar information in the first risk seed information. The first similar information is used to indicate information whose information similarity with the second risk seed information is less than or equal to a preset information similarity threshold. If the first similar information exists, delete the first similar information from the first risk seed information or the second risk seed information, and after performing the information deletion process, determine the second level information based on the first risk seed information and the second risk seed information; The target insurance policy for the target customer is generated based on the first-level information and the second-level information.
[0006] Secondly, this application also provides a policy processing device, the policy processing device comprising: The policy acquisition module is used to respond to data synchronization instructions to acquire the first pending policy and the second pending policy of the target customer. The first pending policy includes information on the first type of insurance and information on the first seed of insurance. The second pending policy includes information on the second type of insurance and information on the second seed of insurance. The first information generation module is used to generate first-level information based on the first type of insurance information and the second type of insurance information; The information processing module is used to determine whether there is first similar information in the first risk seed information based on the first level information. The first similar information is used to indicate information whose information similarity with the second risk seed information is less than or equal to a preset information similarity threshold. The second information generation module is used to delete the first similar information in the first risk seed information or the second risk seed information if the first similar information exists, and to determine the second level information based on the first risk seed information and the second risk seed information after performing the information deletion process. The policy generation module is used to generate the target policy for the target customer based on the first-level information and the second-level information.
[0007] Thirdly, this application also provides a computer device, the computer device including a processor, a memory, and a computer program stored in the memory and executable by the processor, wherein when the computer program is executed by the processor, it implements the steps of the policy processing method described above.
[0008] Fourthly, this application also provides a computer-readable storage medium storing a computer program, wherein when the computer program is executed by a processor, it implements the steps of the policy processing method described above.
[0009] This application provides a policy processing method, apparatus, device, and computer-readable storage medium. The application generates first-level information using first insurance type information and second insurance type information. Then, using the first-level information, it determines whether there exists first similar information in the first insurance seed information whose information similarity to the second insurance seed information is less than or equal to a preset information similarity threshold. If first similar information exists, the corresponding information is deleted from either the first or second insurance seed information. After deleting the first similar information, second-level information is determined based on the first and second insurance seed information. Finally, a target policy is generated using the first and second-level information. By merging different pending policies for the same target customer, a single target policy is obtained, thus achieving the association of information from different policies, such as different insurance types. This avoids the problem of information and control being separated for different insurance types, reduces redundant data and code, and enables associated risk control for policies of different insurance types, thereby reducing the probability of failure in risk control between policies. Attached Figure Description
[0010] To more clearly illustrate the technical solutions of the embodiments of this application, the drawings used in the description of the embodiments will be briefly introduced below. Obviously, the drawings described below are some embodiments of this application. For those skilled in the art, other drawings can be obtained based on these drawings without creative effort.
[0011] Figure 1 A flowchart illustrating a policy processing method provided in an embodiment of this application; Figure 2 This is a schematic diagram of the target policy structure provided in an embodiment of this application; Figure 3 A schematic block diagram of an insurance policy processing device provided in an embodiment of this application; Figure 4 This is a schematic block diagram of the structure of a computer device according to an embodiment of this application.
[0012] The realization of the purpose, functional features and advantages of this application will be further explained in conjunction with the embodiments and with reference to the accompanying drawings. Detailed Implementation
[0013] The technical solutions of the embodiments of this application will be clearly and completely described below with reference to the accompanying drawings. Obviously, the described embodiments are only some embodiments of this application, not all embodiments. Based on the embodiments of this application, all other embodiments obtained by those skilled in the art without creative effort are within the scope of protection of this application.
[0014] The flowchart shown in the attached diagram is for illustrative purposes only and does not necessarily include all content and operations / steps, nor does it necessarily have to be performed in the order described. For example, some operations / steps can be broken down, combined, or partially merged, so the actual execution order may change depending on the actual situation.
[0015] This application provides a policy processing method, apparatus, computer device, and computer-readable storage medium. The policy processing method can be applied to a terminal device, such as a tablet computer, laptop computer, or desktop computer. It can also be applied to a server, which can be a standalone server, a server cluster, or a cloud server.
[0016] The following detailed description of some embodiments of this application is provided in conjunction with the accompanying drawings. Unless otherwise specified, the following embodiments and features can be combined with each other.
[0017] Please refer to Figure 1 , Figure 1 This is a flowchart illustrating a policy processing method provided as an embodiment of this application.
[0018] like Figure 1 As shown, the policy processing method includes steps S101 to S105.
[0019] Step S101: In response to the data synchronization command, obtain the first pending insurance policy and the second pending insurance policy of the target customer. The first pending insurance policy includes information on the first type of insurance and information on the first seed insurance policy. The second pending insurance policy includes information on the second type of insurance and information on the second seed insurance policy.
[0020] For example, after receiving a data synchronization instruction, the system obtains the first-generation processed insurance policy and the second pending insurance policy of the target customer. The first pending insurance policy includes information on the first type of insurance and information on the first seed insurance, while the second pending insurance policy includes information on the second type of insurance and information on the second seed insurance. It is understood that the data synchronization instruction may be an instruction to synchronize and integrate the policy data of one or more target customers, or an instruction to synchronize and integrate the policy data of all stored customers, without limitation.
[0021] For example, the information on the first type of insurance and the information on the second type of insurance may correspond to different types of insurance. For instance, if the first type of insurance is medical insurance, then the information on the first type of insurance is the information corresponding to that medical insurance. If the second type of insurance is accidental injury insurance, then the information on the second type of insurance is the information corresponding to that accidental injury insurance. It should be understood that the first type of insurance and the second type of insurance may also be similar types of insurance. For instance, if the first type of insurance is medical insurance A, then the second type of insurance is medical insurance B. It should be noted that the first type of insurance and the second type of insurance may also be other types of insurance, which is not limited in this application.
[0022] In practice, the first type of insurance information indicates the type of insurance corresponding to the first pending policy, while the first seed insurance information indicates the specific information of the first pending policy, such as the coverage and coverage limits. Similarly, the second seed insurance information indicates the specific information of the second pending policy, including but not limited to the coverage and coverage limits.
[0023] Step S102: Generate first-level information based on the first type of insurance information and the second type of insurance information.
[0024] For example, first-level information is generated based on first and second insurance type information to synchronize data between the first and second pending insurance policies. For instance, a target customer may have a first pending insurance policy, such as Medical Insurance A, and a second pending insurance policy, such as Medical Insurance B. By synchronizing the insurance type information of Medical Insurance A and Medical Insurance B, the first-level information is generated as the target user's policy type information, which includes Medical Insurance A and Medical Insurance B. In practice, the specific policy type information in the first-level information may only include the policy name, while the specific policy details are synchronized and integrated in subsequent steps.
[0025] Step S103: Based on the first level information, determine whether there is first similar information in the first risk seed information. The first similar information is used to indicate information whose information similarity with the second risk seed information is less than or equal to a preset information similarity threshold.
[0026] For example, the first-level information synchronizes the target customer's insurance policies, thereby enabling the filtering of similar information in the first pending insurance policies and the second pending insurance policies included in the first-level information. Specifically, the existence of first similar information is determined by the first insurance seed information in the first pending insurance policy, wherein the first similar information is used to indicate information in the first insurance seed information whose information similarity with the second insurance seed information is less than or equal to a preset information similarity threshold.
[0027] For example, if the first insurance seed information includes insurance item 'a' and the second insurance seed information also includes insurance item 'a', then this step can determine that the first insurance seed information contains information whose information similarity to the second insurance seed information is less than or equal to a preset information similarity threshold, i.e., insurance item 'a'. However, if the first insurance seed information includes insurance item 'a' and the second insurance seed information does not include insurance item 'a', nor does it include information similar to the first insurance seed information, then it is determined that there is no first similar information in the first insurance seed information.
[0028] Step S104: If the first similar information exists, delete the first similar information from the first risk seed information or the second risk seed information, and after performing the information deletion process, determine the second level information based on the first risk seed information and the second risk seed information.
[0029] For example, if it is determined that there is first similar information, the first similar information is deleted from the first risk seed information or the second risk seed information, and after the information deletion process is performed, the second level information is determined based on the first risk seed information and the second risk seed information.
[0030] For example, if the first similar information is insurance item 'a', meaning that insurance item 'a' exists in both the first and second insurance seed information, then insurance item 'a' can be deleted from either the first or second insurance seed information. After deletion, a second-level information can be created. It should be understood that if a second-level information is created using the first and second insurance seed information, and both the first and second insurance seed information contain insurance item 'a', there will be information redundancy. Therefore, by deleting similar information and then generating hierarchical information, redundant information can be effectively reduced, and the relevance of customer policy information can be improved, thereby reducing the risk of information and management fragmentation between different insurance types.
[0031] In the specific implementation process, after deleting similar information from the first or second risk seed information, the corresponding information in the other risk seed information can be shared when querying the first or second risk seed information, thereby achieving the association of similar information. It should be noted that the specific association methods can be achieved through information tagging, establishing association relationships, etc., and are not limited here.
[0032] Step S105: Generate the target insurance policy for the target customer based on the first-level information and the second-level information.
[0033] For example, after generating the first-level information and the second-level information, the target customer's target insurance policy is generated using the first-level information and the second-level information, thereby completing the data synchronization of the target customer's insurance policy.
[0034] It should be understood that the first level of information includes the insurance type information corresponding to each policy of the target customer, while the second level of information includes specific information within each policy type, such as the insured items and the sum insured; thus, the target policy includes all policy information of the target customer. In other implementations, the target policy may also include more levels of information, such as the second level of information including the insured items and the third level of information including the sum insured, thereby achieving clearer information association and management.
[0035] like Figure 2 As shown, Figure 2This is a schematic diagram of the target policy structure provided in an embodiment of this application.
[0036] Depend on Figure 2 As can be seen, the first level of information includes insurance type H1 and insurance type H2, the second level of information includes coverage item a and coverage item b, and the third level of information includes the sum insured s1. Thus, the target policy can determine that the target customer H1 is also related to coverage item a and coverage item b, and the sum insured of coverage item a and coverage item b is s1. In other implementations, H1 may also be directly related to other coverage items, and these coverage items are not in insurance type H2. The specific target policy can be generated according to actual needs, and there are no restrictions here.
[0037] In some embodiments, generating the target policy for the target customer based on the first-level information and the second-level information includes: associating the first insurance seed information and / or the second insurance seed information in the second-level information with the first-level information.
[0038] For example, the first and second risk seed information in the second level information have already undergone the process of deleting similar information. That is, there is no similar information between the first and second risk seed information in the second level information. The association between the first and second level information is achieved by associating the first and second risk seed information with the first level information.
[0039] In the specific implementation process, the first risk seed information and the second risk seed information in the second level can be associated with the information in the first level in the following way.
[0040] For example, all similar information is deleted from the first insurance seed information. If the first insurance seed information still includes information that has not been deleted, the original association between the first insurance seed information and the first insurance type information is retained. The similar information corresponding to the second insurance seed information is then associated with the first insurance type information in the first level of information. Since all similar information is deleted from the first insurance seed information, the second insurance seed information will retain the similar information corresponding to the deleted information. These corresponding similar information are associated with the first insurance type information so that when querying the specific information corresponding to the first insurance type information, there will be no information omissions due to the deletion of similar information in the first insurance seed information. This achieves the association of information in different policies and avoids the fragmentation of policy information and management. For example, if all similar information is deleted from the second insurance seed information, and the second insurance seed information still includes information that has not been deleted, then the original association state between the second insurance seed information and the second insurance type information is retained, and the similar information corresponding to the first insurance seed information is associated with the second insurance type information in the first-level information. Alternatively, if all similar information is deleted from the first insurance seed information, and all information in the first insurance seed information is deleted, then the similar information corresponding to the second insurance seed information is associated with the first insurance type information in the first-level information. Similarly, if all similar information is deleted from the second insurance seed information, and all information in the second insurance seed information is deleted, then the similar information corresponding to the first insurance seed information is associated with the second insurance type information in the first-level information. It should be understood that if all similar information is deleted from one type of insurance seed information, and all information in that insurance seed information is deleted, while the other insurance seed information contains dissimilar information, then the association processing is still performed in the aforementioned manner. However, if the two types of insurance seed information are completely identical, one type of insurance seed information can be deleted, and the other insurance seed information can be associated with the first-level information. This application does not limit the specific insurance seed information from which similar information is deleted.
[0041] In some embodiments, the first risk seed information includes several levels of first sub-information, and the second risk seed information includes several levels of second sub-information; the method further includes: determining whether there is second similar information in the first sub-information of the nth level, the second similar information being used to indicate information whose information similarity to the second sub-information is less than or equal to the preset information similarity threshold, where n is a positive integer greater than 2; if there is second similar information, deleting the second similar information from the first sub-information or the second sub-information, and after performing information deletion processing, determining the kth level information based on the first sub-information and the second sub-information, and incrementing n+1 to continue determining whether there is second similar information in the first sub-information of the (n+1)th level, where k is a positive integer greater than 2; when the preset level information generation conditions are met, ending the determination of the second similar information, and associating the generated level information with the second level information. For example, the first risk seed information also includes several levels of first sub-information, and the second risk seed information also includes several levels of second sub-information, thereby generating second-level information including hierarchical relationships through several levels of first sub-information and several levels of second sub-information.
[0042] In the specific implementation process, it is determined whether there is second similar information in the first sub-information of the nth level. The second similar information indicates whether there is information in the corresponding level of the second sub-information whose information similarity to the first sub-information is less than or equal to a preset information similarity threshold. If second similar information exists, the corresponding second similar information is deleted from either the first or second sub-information. After performing the information deletion process, the kth level information is determined, and n+1 is incremented to continue determining whether there is second similar information in the first sub-information of the (n+1)th level. It should be understood that if second similar information exists in the first sub-information of the (n+1)th level... Then, the corresponding second similar information is deleted from the first or second sub-information. After the information deletion process is performed, the k+1 level information is determined, and so on, until the level information generation conditions are met. At this point, the determination of the second similar information ends, and the determined level information is associated with the second level information, thereby completing the generation of the target policy. It should be understood that the target policy at this time includes the first level information, the second level information, and the level information associated with the second level information. It should be understood that the associated level information includes at least the generated k level information. In some other embodiments, the associated level information includes the k level information and the k+1 level information.
[0043] For example, let's take two levels of sub-information: the first sub-information includes two items, "insurance item 'a'" and the corresponding sum insured "a". The second sub-information also includes two levels, "insurance item 'a'" and the corresponding sum insured "a". It should be noted that the relationship between "insurance item 'a'" in the first sub-information and "insurance item 'a'" in the second sub-information can be found in the above-mentioned relationship and will not be repeated here. After the relationship between the first and second sub-information items is established, the sum insured at each sub-level is then associated. Specifically, if the sum insured information corresponding to "insurance item 'a'" in the first sub-information is sum insured "a", and the sum insured information corresponding to "insurance item 'a'" in the second sub-information is also sum insured "a", then the first sum insured at the second level is determined. If there is second similar information in the sub-information, the second similar information is deleted from the first sub-information, thereby determining the sum assured 1 as the third-level information. It should be understood that since the first-level information of the first sub-information is the second-level information of the target policy, the information generated here based on the second-level information in the first sub-information will be the third-level information of the target policy. When it is determined that the preset level information generation conditions are met, the determination of the second similar information ends, and the generated level information is associated with the second-level information. The association between the third-level information and the second-level information can be referred to the association between the second-level information and the first-level information above, which will not be described here.
[0044] In some embodiments, the step of ending the determination of the second similar information and associating the generated hierarchical information with the target policy when the preset hierarchical information generation conditions are met includes: determining the number of first levels in the first sub-information and determining the number of second levels in the second sub-information; determining the smaller value between the number of first levels and the number of second levels; and ending the determination of the second similar information and associating the generated hierarchical information with the target policy when n is equal to the smaller value.
[0045] For example, the number of first-level sub-information items and the number of second-level sub-information items are determined. The smaller of the first-level and second-level sub-information items is used to determine the number of times the second similar information is determined. It should be noted that since the hierarchical association design in the insurance policy is the same or similar, by comparing information at corresponding levels, the same or similar information in different insurance policies can be identified, thereby associating the information in different insurance policies.
[0046] For example, if the number of first-level sub-information items is 2 and the number of second-level sub-information items is 3, then after determining that there is second similar information in the first sub-information item of the second level, the determination of the second similar information can be ended, and the third-level information can be generated based on the first sub-information item after the second similar information is deleted and the second sub-information item, and the generated third-level information can be associated with the target insurance policy.
[0047] In a specific implementation, if the number of first levels of the first sub-information is 3 and the number of second levels of the second sub-information is 2, then after determining whether there is second similar information in the second and third levels, the corresponding second similar information is deleted from the first or second sub-information. This allows the generation of third-level information and fourth-level information that have a hierarchical relationship with the third-level information to be generated according to the second and third levels of the first sub-information. The third-level information is then associated with the second-level information, thereby completing the generation of the target policy.
[0048] In some embodiments, the method further includes: obtaining limit update information for the first insurance type information and / or the second insurance type information; determining the sum of limits for all sub-information related to the first insurance type information to obtain a first limit sum value; determining the sum of limits for all sub-information related to the second insurance type information to obtain a second limit sum value; when the limit indicated by the limit update information is greater than or equal to the larger value between the first limit sum value and the second limit sum value, adjusting the insurance type limit information of the first insurance type information and / or the second insurance type information according to the limit update information; when the limit update information is less than the larger value, adjusting the association relationship of the first insurance type information and / or the association relationship of the second insurance type information.
[0049] For example, when the limit update information of the first type of insurance and / or the second type of insurance is obtained, the limit information in the target policy is updated, wherein the limit information is used to indicate the payout limit corresponding to a certain insurance item in the target policy.
[0050] In the specific implementation process, the sum of the limits of all sub-information related to the first type of insurance information is determined to obtain the first limit sum value; and the sum of the limits of all sub-information related to the second type of insurance information is determined to obtain the second limit sum value. In this process, the sum of the limits of the sub-information determined in the highest level information is determined as the corresponding limit sum value. For example, the first type of insurance information includes 4 levels of information associated with it, the second level information includes 3 insurance items, the third level information includes the limits corresponding to each of the 3 insurance items, the fourth level information includes 2 insurance items, and the fifth level information includes the limits corresponding to the insurance items in the fourth level information. Then, the limit sum value is determined according to the limit of the third level information. In other implementation methods, the corresponding limit sum value can also be determined according to the specific update object of the limit update information, which is not restricted here.
[0051] When determining the first and second limit sum values, if the limit update information is greater than or equal to the larger of the first and second limit sum values, the limits in the first insurance type information and / or the limits in the second insurance type information are adjusted; if the limit update information is less than the larger value, the target policy is adjusted according to the limit update information, including but not limited to adjusting the information associated with the first insurance type information and / or adjusting the information associated with the second insurance type information; for example, the first insurance type information is associated with insurance items a, b, and c, and the corresponding limit sum value is d, and When adjusting a target policy based on limit update information, the information associated with the corresponding insurance type information can be adjusted according to the coverage items and / or coverage amount in the limit update information. For example, if the limit update information includes coverage item a and coverage item b, and coverage item c is canceled, and the coverage amount needs to be adjusted, then coverage item c should be deleted from the associated information of the first insurance type information, and the limit and value should be adjusted. It should be noted that the limit update information can be determined according to actual needs to make corresponding adjustments and updates to the target policy. This application does not limit the specific content of the limit update information.
[0052] In some embodiments, policy claim information of a target customer is obtained, the policy claim information including claim item information and claim amount; a target policy corresponding to the target customer is determined, and the target policy is traversed according to the claim item information; when target information matching the claim item information is determined in the target policy, a limit corresponding to the target information is determined; when the claim amount is less than or equal to the limit corresponding to the target information, the policy claim information is determined to have passed verification, so as to process the claim based on the policy claim information and the target policy.
[0053] For example, during the process of making a policy claim to a target customer, the policy claim information of the target customer is obtained, and the policy claim to the target customer is completed based on the target customer's target policy.
[0054] In the specific implementation process, the target policy is traversed based on the claim item information in the policy claim information to determine the corresponding target coverage item. Then, the limit corresponding to the target coverage item is determined. When the claim amount in the policy claim information is less than the corresponding limit, the claim is verified through the policy claim information, and the claim is made according to the policy claim information and the target policy. If the claim amount is greater than the corresponding limit, a warning message is output to notify the sales personnel of the corresponding risk. Since the target policy is generated through data synchronization for different policies of the target customer, the efficiency of information comparison can be improved when comparing the policy information of the target customer based on the policy claim information. Furthermore, since the coverage items of different policies are all associated with the target policy after synchronization, it can also avoid duplicate claims and situations where the claim amount for the same coverage item in different policies is less than the limit, but the total amount exceeds the limit due to multiple coverage items being paid out at the same time. This achieves the associated management of information of different insurance types and reduces the probability of risk control failure between policies.
[0055] In some embodiments, traversing the target policy according to the claim item information includes: traversing from the first level of information of the target policy according to the claim item information; if the claim item information has not been matched, and the target information that has been successfully matched in the current level of information is not associated with the next level of information, the claim item information is continued to be matched in the sub-information associated with the other item of information in the current level.
[0056] In the specific implementation process, the information at each level of the target policy is traversed based on the claims item information to determine the corresponding insured item within the target policy. Specifically, if the claims item includes claims item A and claims item B, and claims item B is a sub-item of claims item A, when claims item A successfully matches insured item a at a certain level of the target policy, but insured item a is not associated with a lower level, another insured item b is determined at the level of insured item a. Based on the associated sub-information of insured item b, the insured item matching claims item B is determined, thereby determining the insured item and its limit. It should be understood that since all items at the same level in the target policy are associated with the level above, and insured item a is not associated with a lower level because it has similar information to insured item b, the similar information associated with insured item a is deleted. Therefore, matching can be achieved by determining the associated sub-information of information at the same level, thereby realizing dynamic management of the target policy, reducing data redundancy, improving the efficiency of data query traversal, and ultimately improving claims efficiency.
[0057] The policy processing method provided in the above embodiments generates first-level information through first insurance type information and second insurance type information. Then, based on the first-level information, it determines whether there is first similar information in the first insurance seed information that has a similarity to the second insurance seed information that is less than or equal to a preset information similarity threshold. If first similar information exists, the corresponding information is deleted from either the first or second insurance seed information. After deleting the first similar information, the second-level information is determined based on the first and second insurance seed information. Then, the target policy is generated through the first-level information and the second-level information. By deleting and associating similar information in different policies of the target customer, the association of information in different policies is realized, and the association of information on different insurance types in different policies is realized. In the financial field, it is possible to associate information on different insurance policies of the target customer, avoiding the problem of information and control being separated in different policies for different insurance types. It also reduces redundant data and code, and enables associated risk control for policies of different insurance types, thereby reducing the probability of failure in risk control between policies.
[0058] Please see Figure 3 , Figure 3 This is a schematic diagram of a policy processing device provided in an embodiment of this application. The policy processing device can be applied to a terminal or server to execute the aforementioned policy processing method.
[0059] like Figure 3 As shown, the policy processing device 100 includes: a policy acquisition module 110, a first information generation module 120, an information processing module 130, a second information generation module 140, and a policy generation module 150.
[0060] The policy acquisition module 110 is used to respond to the data synchronization command to acquire the first pending policy and the second pending policy of the target customer. The first pending policy includes information on the first type of insurance and information on the first seed of insurance. The second pending policy includes information on the second type of insurance and information on the second seed of insurance. The first information generation module 120 is used to generate first-level information based on the first type of insurance information and the second type of insurance information; Information processing module 130 is used to determine whether there is first similar information in the first risk seed information based on the first level information. The first similar information is used to indicate information whose information similarity with the second risk seed information is less than or equal to a preset information similarity threshold. The second information generation module 140 is used to delete the first similar information in the first risk seed information or the second risk seed information if the first similar information exists, and to determine the second level information based on the first risk seed information and the second risk seed information after performing the information deletion process. The policy generation module 150 is used to generate the target policy for the target customer based on the first-level information and the second-level information.
[0061] For example, the policy generation module 150 is also used to associate the first insurance seed information and / or the second insurance seed information in the second level information with the first level information.
[0062] For example, the policy processing device 100 also includes a similar information determination module and a third information generation module.
[0063] The similarity information determination module is used to determine whether there is second similar information in the first sub-information of the nth level. The second similar information is used to indicate information whose information similarity with the second sub-information of the nth level is less than or equal to the preset information similarity threshold, where n is a positive integer greater than 1.
[0064] The third information generation module is used to delete the second similar information in the first sub-information or the second sub-information if the second similar information exists, and after performing the information deletion process, determine the k-th level information of the target policy according to the first sub-information and the second sub-information, and use n+1 to continue to determine whether the second similar information exists in the first sub-information of the n+1 level, where k is a positive integer greater than 2.
[0065] The policy generation module 150 is also used to end the determination of the second similar information when the preset hierarchical information generation conditions are met, and to associate the generated hierarchical information with the second hierarchical information.
[0066] For example, the policy generation module 150 also includes a submodule for determining the number of levels, a submodule for determining the smaller value of the level, and a submodule for ending the loop.
[0067] The number of levels determination submodule is used to determine the number of the first level in the first sub-information and the number of the second level in the second sub-information; The smaller value determination submodule is used to determine the smaller value between the number of the first level and the number of the second level; The loop termination submodule is used to end the determination of the second similarity information when n equals the smaller value, and associate the generated hierarchical information with the target policy.
[0068] For example, the policy processing device 100 also includes an update information acquisition module, a limit and value determination module, and a limit update module.
[0069] The information acquisition module is used to acquire limit update information for the first type of insurance and / or the second type of insurance. The limit and value determination module is used to determine the sum of the limits of all sub-information that is related to the first type of insurance information to obtain a first limit and value; and to determine the sum of the limits of all sub-information that is related to the second type of insurance information to obtain a second limit and value. The limit update module is used to adjust the insurance limit information of the first insurance type information and / or the second insurance type information according to the limit update information when the limit indicated by the limit update information is greater than or equal to the larger value between the first limit sum value and the second limit sum value; and to adjust the association relationship of the first insurance type information and / or the association relationship of the second insurance type information when the limit update information is less than the larger value.
[0070] For example, the policy processing device 100 also includes a claims information acquisition module, a policy traversal module, a limit determination module, and a claims module.
[0071] The claims information acquisition module is used to acquire the policy claims information of the target customer, including claims item information and claims amount; The policy traversal module is used to determine the target policy corresponding to the target customer and traverse the target policy according to the claim item information; The limit determination module is used to determine the limit corresponding to the target information when the target information that matches the claim item information is determined in the target policy. The claims module is used to determine that the policy claims information has passed verification when the claims amount is less than or equal to the limit corresponding to the target information, so as to process the claims based on the policy claims information and the target policy.
[0072] For example, the policy traversal module is also used to traverse the first level information of the target policy according to the claim item information; if the claim item information is not matched, and the target information that is successfully matched in the current level information is not associated with the next level information, the claim item information is continued to be matched in the sub-information associated with the other item information in the current level.
[0073] Please see Figure 4 , Figure 4 This is a schematic block diagram illustrating the structure of a computer device provided in an embodiment of this application. The computer device may be a server or a terminal.
[0074] like Figure 4 As shown, the computer device includes a processor, memory, and network interface connected via a system bus, wherein the memory may include non-volatile storage media and internal memory.
[0075] Non-volatile storage media can store operating systems and computer programs. These computer programs include program instructions that, when executed, cause the processor to perform any policy processing method.
[0076] The processor provides computing and control capabilities, supporting the operation of the entire computer device.
[0077] Internal memory provides an environment for the execution of computer programs on non-volatile storage media. When these computer programs are executed by a processor, the processor can perform any policy processing method.
[0078] This network interface is used for network communication, such as sending assigned tasks. Those skilled in the art will understand that... Figure 4 The structure shown is merely a block diagram of a portion of the structure related to the present application and does not constitute a limitation on the computer device to which the present application is applied. Specific computer devices may include more or fewer components than those shown in the figure, or combine certain components, or have different component arrangements.
[0079] It should be understood that the processor can be a Central Processing Unit (CPU), but it can also be other general-purpose processors, digital signal processors (DSPs), application-specific integrated circuits (ASICs), field-programmable gate arrays (FPGAs), or other programmable logic devices, discrete gate or transistor logic devices, discrete hardware components, etc. Among these, a general-purpose processor can be a microprocessor or any conventional processor.
[0080] In one embodiment, the processor is configured to run a computer program stored in memory to perform the following steps: In response to a data synchronization command, the first pending insurance policy and the second pending insurance policy of the target customer are obtained. The first pending insurance policy includes information on the first type of insurance and information on the first seed insurance policy. The second pending insurance policy includes information on the second type of insurance and information on the second seed insurance policy. First-level information is generated based on the first type of insurance information and the second type of insurance information; Based on the first level information, it is determined whether there is first similar information in the first risk seed information. The first similar information is used to indicate information whose information similarity with the second risk seed information is less than or equal to a preset information similarity threshold. If the first similar information exists, delete the first similar information from the first risk seed information or the second risk seed information, and after performing the information deletion process, determine the second level information based on the first risk seed information and the second risk seed information; The target insurance policy for the target customer is generated based on the first-level information and the second-level information.
[0081] In one embodiment, when the processor generates the target insurance policy for the target customer based on the first-level information and the second-level information, it is configured to: Associate the first risk seed information and / or the second risk seed information in the second-level information with the first-level information.
[0082] In one embodiment, the processor, when implementing the policy processing method, is further configured to implement: Determine whether there is second similar information in the first sub-information of the nth level. The second similar information is used to indicate information whose information similarity with the second sub-information is less than or equal to the preset information similarity threshold, where n is a positive integer greater than 1. If the second similar information exists, delete the second similar information in the first sub-information or the second sub-information. After performing the information deletion process, determine the k-th level information of the target policy based on the first sub-information and the second sub-information, and use n+1 to continue to determine whether there is second similar information in the first sub-information of the n+1 level, where k is a positive integer greater than 2. When the preset hierarchical information generation conditions are met, the determination of the second similar information ends, and the generated hierarchical information is associated with the second hierarchical information.
[0083] In one embodiment, when the processor terminates the determination of the second similar information and associates the generated hierarchical information with the target policy when the preset hierarchical information generation conditions are met, it is configured to: Determine the number of first levels in the first sub-information, and determine the number of second levels in the second sub-information; Determine the smaller value between the number of the first level and the number of the second level; When n equals the smaller value, the determination of the second similarity information ends, and the generated hierarchical information is associated with the target policy.
[0084] In one embodiment, the processor, when implementing the policy processing method, is further configured to implement: Obtain limit update information for the first type of insurance and / or the second type of insurance; The sum of the limits of all sub-information related to the first type of insurance is determined to obtain the first limit sum value; the sum of the limits of all sub-information related to the second type of insurance is determined to obtain the second limit sum value. When the limit indicated by the limit update information is greater than or equal to the larger value between the sum of the first limit and the sum of the second limit, the insurance limit information of the first insurance type information and / or the second insurance type information is adjusted according to the limit update information. When the limit update information is less than the larger value, adjust the association relationship of the first insurance type information and / or the association relationship of the second insurance type information.
[0085] In one embodiment, the processor, when implementing the policy processing method, is further configured to implement: Obtain policy claims information from target customers, including claims item information and claims amount; Identify the target policies corresponding to the target customers, and iterate through the target policies based on the claims information; When identifying target information that matches the claim item information in the target policy, determine the limit corresponding to the target information; When the compensation amount is less than or equal to the limit corresponding to the target information, the policy compensation information is determined to have passed verification, and compensation processing is carried out based on the policy compensation information and the target policy.
[0086] In one embodiment, when the processor iterates through the target policy based on the claim item information, it is configured to: Based on the claim item information, traverse from the first level of information of the target policy; If the compensation item information is not matched, and the target information that is successfully matched in the current level is not associated with the next level of information, the compensation item information will continue to be matched in the sub-information associated with the other information in the current level.
[0087] This application also provides a computer-readable storage medium storing a computer program, the computer program including program instructions, and the method implemented when the program instructions are executed can refer to various embodiments of the policy processing method of this application.
[0088] The computer-readable storage medium may be an internal storage unit of the computer device described in the foregoing embodiments, such as the hard disk or memory of the computer device. The computer-readable storage medium may also be an external storage device of the computer device, such as a plug-in hard disk, SmartMedia Card (SMC), Secure Digital (SD) card, or Flash Card equipped on the computer device.
[0089] It should be understood that the terminology used in this specification is for the purpose of describing particular embodiments only and is not intended to limit the scope of the application. As used in this specification and the appended claims, the singular forms “a,” “an,” and “the” are intended to include the plural forms unless the context clearly indicates otherwise.
[0090] It should also be understood that the term "and / or" as used in this specification and the appended claims refers to any combination and all possible combinations of one or more of the associated listed items, and includes such combinations. It should be noted that, herein, the terms "comprising," "including," or any other variations thereof are intended to cover non-exclusive inclusion, such that a process, method, article, or system that comprises a list of elements includes not only those elements but also other elements not expressly listed, or elements inherent to such a process, method, article, or system. Without further limitation, an element defined by the phrase "comprising one..." does not exclude the presence of other identical elements in the process, method, article, or system that includes that element.
[0091] The sequence numbers of the embodiments in this application are for descriptive purposes only and do not represent the superiority or inferiority of the embodiments. The above descriptions are merely specific implementations of this application, but the scope of protection of this application is not limited thereto. Any person skilled in the art can easily conceive of various equivalent modifications or substitutions within the technical scope disclosed in this application, and these modifications or substitutions should all be covered within the scope of protection of this application. Therefore, the scope of protection of this application should be determined by the scope of the claims.
Claims
1. A method for processing insurance policies, characterized in that, include: In response to a data synchronization command, the first pending insurance policy and the second pending insurance policy of the target customer are obtained. The first pending insurance policy includes information on the first type of insurance and information on the first seed insurance policy. The second pending insurance policy includes information on the second type of insurance and information on the second seed insurance policy. First-level information is generated based on the first type of insurance information and the second type of insurance information; Based on the first level information, it is determined whether there is first similar information in the first risk seed information. The first similar information is used to indicate information whose information similarity with the second risk seed information is less than or equal to a preset information similarity threshold. If the first similar information exists, delete the first similar information from the first risk seed information or the second risk seed information, and after performing the information deletion process, determine the second level information based on the first risk seed information and the second risk seed information; The target insurance policy for the target customer is generated based on the first-level information and the second-level information.
2. The policy processing method as described in claim 1, characterized in that, The step of generating the target policy for the target customer based on the first-level information and the second-level information includes: Associate the first risk seed information and / or the second risk seed information in the second level information with the first level information.
3. The policy processing method as described in claim 1, characterized in that, The first risk seed information includes several levels of first sub-information, and the second risk seed information includes several levels of second sub-information; the method further includes: Determine whether there is second similar information in the first sub-information of the nth level. The second similar information is used to indicate information whose information similarity with the second sub-information is less than or equal to the preset information similarity threshold, where n is a positive integer greater than 1. If the second similar information exists, delete the second similar information in the first sub-information or the second sub-information. After performing the information deletion process, determine the k-th level information of the target policy based on the first sub-information and the second sub-information, and use n+1 to continue to determine whether there is second similar information in the first sub-information of the n+1 level, where k is a positive integer greater than 2. When the preset hierarchical information generation conditions are met, the determination of the second similar information ends, and the generated hierarchical information is associated with the second hierarchical information.
4. The policy processing method as described in claim 3, characterized in that, The step of ending the determination of the second similar information when the preset hierarchical information generation conditions are met, and associating the generated hierarchical information with the target policy, includes: Determine the number of first levels in the first sub-information, and determine the number of second levels in the second sub-information; Determine the smaller value between the number of the first level and the number of the second level; When n equals the smaller value, the determination of the second similarity information ends, and the generated hierarchical information is associated with the target policy.
5. The policy processing method as described in any one of claims 1-4, characterized in that, The method further includes: Obtain limit update information for the first type of insurance and / or the second type of insurance; The sum of the limits of all sub-information related to the first type of insurance is determined to obtain the first limit sum value; the sum of the limits of all sub-information related to the second type of insurance is determined to obtain the second limit sum value. When the limit indicated by the limit update information is greater than or equal to the larger value between the sum of the first limit and the sum of the second limit, the insurance limit information of the first insurance type information and / or the second insurance type information is adjusted according to the limit update information. When the limit update information is less than the larger value, adjust the association relationship of the first insurance type information and / or the association relationship of the second insurance type information.
6. The policy processing method as described in any one of claims 1-4, characterized in that, The method further includes: Obtain policy claims information from target customers, including claims item information and claims amount; Identify the target policies corresponding to the target customers, and iterate through the target policies based on the claims information; When identifying target information that matches the claim item information in the target policy, determine the limit corresponding to the target information; When the compensation amount is less than or equal to the limit corresponding to the target information, the policy compensation information is determined to have passed verification, and compensation processing is carried out based on the policy compensation information and the target policy.
7. The policy processing method as described in claim 6, characterized in that, The step of iterating through the target policy based on the claim item information includes: Based on the claim item information, traverse from the first level of information of the target policy; If the compensation item information is not matched, and the target information that is successfully matched in the current level is not associated with the next level of information, the compensation item information will continue to be matched in the sub-information associated with the other information in the current level.
8. A policy processing device, characterized in that, The policy processing device includes: The policy acquisition module is used to respond to data synchronization instructions to acquire the first pending policy and the second pending policy of the target customer. The first pending policy includes information on the first type of insurance and information on the first seed of insurance. The second pending policy includes information on the second type of insurance and information on the second seed of insurance. The first information generation module is used to generate first-level information based on the first type of insurance information and the second type of insurance information; The information processing module is used to determine whether there is first similar information in the first risk seed information based on the first level information. The first similar information is used to indicate information whose information similarity with the second risk seed information is less than or equal to a preset information similarity threshold. The second information generation module is used to delete the first similar information in the first risk seed information or the second risk seed information if the first similar information exists, and to determine the second level information based on the first risk seed information and the second risk seed information after performing the information deletion process. The policy generation module is used to generate the target policy for the target customer based on the first-level information and the second-level information.
9. A computer device, characterized in that, The computer device includes a processor, a memory, and a computer program stored in the memory and executable by the processor, wherein when the computer program is executed by the processor, it implements the steps of the policy processing method as described in any one of claims 1 to 7.
10. A computer-readable storage medium, characterized in that, The computer-readable storage medium stores a computer program, wherein when the computer program is executed by a processor, it implements the steps of the policy processing method as described in any one of claims 1 to 7.