Insurance plan writing business processing method, device, system, and storage medium

Abstract

The application discloses an insurance plan business processing method, device and system and a storage medium. The method is applied to an insurance business demonstration background application of a first terminal and comprises the following steps: obtaining insurance basic data for a target insurance submitted by a basic data uploading page and performing data arrangement according to a preset format to obtain standard basic data; obtaining calculation condition configuration data for a business output item submitted by a calculation condition configuration page and obtaining a calculation strategy corresponding to the business output item submitted by a strategy configuration page; saving the configuration data in an insurance configuration library to realize insurance release; in a business development stage, receiving target insurance information for the target insurance sent by a second terminal, matching the corresponding calculation strategy, and determining a demonstration result of the business output item; and sending the demonstration result to the second terminal for visual display, so that efficient insurance product benefit demonstration is realized, and the accuracy and flexibility of the demonstration result of each business output item are improved.

Description

Technical Field

[0001] This application belongs to the field of computer technology, and in particular relates to a method, apparatus, system and storage medium for processing insurance plan documents. Background Technology

[0002] When conducting insurance business, it is usually necessary to calculate the coverage or insurance benefits of different types of insurance products selected by the customer, based on the characteristics of the insurance products and the circumstances of the policyholder and the insured, and then prepare a plan for presentation so that the customer can understand the coverage and benefits of the insurance product.

[0003] As insurance products become more flexible, complex, and diversified, the traditional approach of developers customizing solutions for each product to meet different benefit demonstration requirements presents high barriers to operational and technical collaboration, high cross-stage communication costs, and long product launch cycles. Furthermore, the accuracy and flexibility of the demonstration results for various business outputs in these benefit demonstration solutions are low. These shortcomings have become key bottlenecks restricting the digital promotion of insurance products.

[0004] Therefore, how to achieve efficient insurance product benefit demonstrations and improve the accuracy and flexibility of the demonstration results of various business outputs is an urgent technical problem to be solved. Summary of the Invention

[0005] This application provides a method, apparatus, system, and storage medium for processing insurance plan documents, which can achieve efficient demonstration of insurance product benefits and improve the accuracy and flexibility of the demonstration results of various business output items.

[0006] On one hand, this application provides a method for processing insurance plan documents, applied to the insurance product demonstration backend application of a first terminal, the method including: Obtain the basic insurance data for the target insurance type submitted on the basic data upload page, and organize the basic insurance data according to a preset format to obtain standard basic data; The system retrieves the calculation condition configuration data for the business output item submitted on the calculation condition configuration page, and the calculation strategy corresponding to the business output item submitted on the strategy configuration page; the variables in the calculation strategy are reference fields associated with the business output item; the reference fields are used to reference the standard basic data or to reference the calculation condition configuration data; Based on the standard basic data, the calculation condition configuration data, and the calculation strategy, an association relationship corresponding to the target insurance type is constructed and stored in the insurance type configuration library; The system receives target insurance information for the target insurance type from the second terminal, matches the calculation strategy corresponding to the target insurance type from the insurance type configuration library, and associates the target insurance information with the reference field in the calculation strategy to determine the demonstration result of the business output item. The target insurance information is obtained by submitting the insurance information input page of the second terminal, and the display content of the insurance information input page is determined by the configuration of the insurance type business demonstration backend application. The demonstration results are sent to the second terminal to form a plan for visual presentation.

[0007] On the other hand, this application provides a method for processing insurance plan documents, applied to a front-end application for demonstrating insurance products on a second terminal. The method includes: Display the insurance information input page for the target insurance type; the content displayed on the insurance information input page is determined by the configuration of the insurance business demonstration backend application of the first terminal; In response to the submission operation of insurance information on the insurance information input page, the target insurance information is obtained and sent to the first terminal; The system receives the demonstration results of the service output items sent by the first terminal and generates a plan for visual display; the demonstration results are generated using the insurance plan business processing method described above.

[0008] On the other hand, this application also provides an insurance plan processing device, applied to the insurance product demonstration backend application of a first terminal, the device comprising: The standard basic data configuration module is used to obtain the basic insurance data for the target insurance type submitted by the basic data upload page, and to organize the basic insurance data according to a preset format to obtain standard basic data. The condition and calculation strategy configuration module is used to obtain the calculation condition configuration data for the business output item submitted by the calculation condition configuration page, and to obtain the calculation strategy corresponding to the business output item submitted by the strategy configuration page; the variables in the calculation strategy are reference fields associated with the business output item; the reference fields are used to reference the standard basic data or to reference the calculation condition configuration data; The insurance type configuration data storage module is used to construct the association relationship corresponding to the target insurance type based on the standard basic data, the calculation condition configuration data and the calculation strategy, and store it in the insurance type configuration library; The demonstration result determination module is used to receive target insurance information for the target insurance type sent by the second terminal, match the calculation strategy corresponding to the target insurance type from the insurance type configuration library, associate the target insurance information with the reference field in the calculation strategy, and determine the demonstration result of the business output item; the target insurance information is obtained by submitting the insurance information input page of the second terminal, and the display content of the insurance information input page is determined by the configuration of the insurance type business demonstration backend application; The demonstration result sending module is used to send the demonstration results to the second terminal to form a plan for visual display.

[0009] On the other hand, this application also provides an insurance plan processing device for use in a front-end application for demonstrating insurance products on a second terminal, the device comprising: The insurance information input page display module is used to display the insurance information input page for the target insurance type; the content displayed on the insurance information input page is determined by the configuration of the insurance business demonstration backend application of the first terminal; The target insurance information sending module is used to respond to the insurance information submission operation on the insurance information input page, obtain the target insurance information and send it to the first terminal; The demonstration result receiving module is used to receive the demonstration results of the business output items sent by the first terminal and form a plan for visual display; the demonstration results are generated using the insurance plan business processing method described above.

[0010] On the other hand, this application also provides an insurance plan business processing system, which includes a back-end application for insurance business demonstration on a first terminal and a front-end application for insurance business demonstration on a second terminal. The first terminal is used to acquire basic insurance data for the target insurance type submitted by the basic data upload page, and to organize the basic insurance data according to a preset format to obtain standard basic data; acquire calculation condition configuration data for the business output item submitted by the calculation condition configuration page, and acquire the calculation strategy corresponding to the business output item submitted by the strategy configuration page; the variables in the calculation strategy are reference fields associated with the business output item; the reference fields are used to reference the standard basic data or the calculation condition configuration data; and the calculation strategy is based on the standard basic data, the calculation condition configuration data, and the calculation strategy. The process involves: establishing an association with the target insurance type and storing it in the insurance type configuration library; receiving target insurance information for the target insurance type from the second terminal; matching the calculation strategy corresponding to the target insurance type from the insurance type configuration library and associating the target insurance information with the reference field in the calculation strategy to determine the demonstration result of the business output item; the target insurance information is obtained by submitting the insurance information input page of the second terminal, and the display content of the insurance information input page is determined by the configuration of the insurance type business demonstration backend application; and sending the demonstration result to the second terminal to form a plan for visual display.

[0011] The second terminal is used to display the insurance information input page for the target insurance type; the content displayed on the insurance information input page is determined by the configuration of the insurance business demonstration backend application of the first terminal; in response to the submission operation of the insurance information in the insurance information input page, the target insurance information is obtained and sent to the first terminal; the demonstration result of the business output item sent by the first terminal is received and a plan is formed for visual display; the demonstration result is generated using the insurance plan business processing method described above.

[0012] On the other hand, this application also provides an electronic device, which includes a processor and a memory, wherein the memory stores at least one instruction or at least one program, and the at least one instruction or the at least one program is loaded and executed by the processor to implement the insurance plan business processing method as described above.

[0013] On the other hand, this application also provides a computer storage medium storing at least one instruction or at least one program, which is loaded and executed by a processor to implement the insurance plan business processing method as described above.

[0014] On the other hand, this application also provides a computer program product or computer program including computer instructions stored in a computer-readable storage medium. A processor of a computer device reads the computer instructions from the computer-readable storage medium and executes the computer instructions, causing the computer device to perform the insurance plan business processing method as described above.

[0015] The business processing method for insurance plan documents provided in this application has the following technical advantages: In this embodiment, for the target insurance product to be released, the insurance product configuration is first performed through the insurance product business demonstration backend application of the first terminal. This includes obtaining basic insurance product data for the target insurance product through the basic data upload page, and organizing the basic insurance product data according to a preset format to obtain standard basic data; obtaining calculation condition configuration data for business output items through the calculation condition configuration page, and obtaining the calculation strategy corresponding to the business output items through the strategy configuration page; wherein the variables in the calculation strategy are reference fields associated with the business output items; these reference fields are used to reference the standard basic data or to reference the calculation condition configuration data; then, based on the standard basic data, calculation condition configuration data, and calculation strategy, a relationship corresponding to the target insurance product is constructed and stored in the insurance product configuration library. The above configuration process realizes the linkage of rate-liability-benefit, and the above process realizes the decomposition of the relevant content of the target insurance product, so that the decomposed parts (standard basic data, calculation condition configuration data, and calculation strategies corresponding to business output items) can be configured independently, which is beneficial for subsequent maintenance and expansion. Thus, the configuration process for the target insurance product is completed. When the second terminal conducts business, if a target insurance product is selected, an insurance information input page is displayed. The content displayed on this page is determined by the configuration of the target insurance product in the insurance product demonstration backend application. Then, in response to the submission operation of the insurance information on the input page, the second terminal obtains the target insurance information and sends it to the first terminal. The first terminal matches the calculation strategy corresponding to the target insurance product from the insurance product configuration library and associates the target insurance information with the referenced fields in the calculation strategy to determine the demonstration result of the business output item, achieving automatic calculation. The demonstration result is then sent to the second terminal, which generates a personalized insurance plan and displays it visually. This achieves a closed-loop system for the entire insurance benefit demonstration process, solving the problems of high collaboration barriers and numerous data flow breakpoints in existing benefit demonstration systems. It also enables flexible selection of calculation conditions for business output items and outputs personalized calculation results, achieving efficient insurance product benefit demonstration and improving the accuracy and flexibility of the demonstration results for each business output item. Attached Figure Description

[0016] To more clearly illustrate the technical solutions in the embodiments of this application, the drawings used in the description of the embodiments or the prior art will be briefly introduced below. Obviously, the drawings described below are only some embodiments of this application. For those skilled in the art, other drawings can be obtained based on these drawings without creative effort.

[0017] Figure 1 This is an application environment diagram of the insurance plan business processing method provided in the embodiments of this application; Figure 2 This is a flowchart illustrating the insurance plan business processing method provided in the embodiments of this application; Figure 3 This is a schematic diagram showing the comparison between the configuration content of the first terminal and the display content of the second terminal provided in the embodiments of this application; Figure 4 This is a flowchart illustrating the demonstration results of determining business output items provided in an embodiment of this application; Figure 5 This is a full-process interactive diagram illustrating the benefits provided in the embodiments of this application; Figure 6 This is a schematic diagram of the structure of the insurance plan processing device provided in the embodiments of this application; Figure 7 This is a schematic diagram of the structure of the insurance plan processing device provided in the embodiments of this application; Figure 8 This is a hardware structure block diagram of a server for an insurance plan business processing method provided in an embodiment of this application. Detailed Implementation

[0018] 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, and not all embodiments. Based on the embodiments of this application, all other embodiments obtained by those of ordinary skill in the art without creative effort are within the scope of protection of this application.

[0019] It should be noted that the terms "first," "second," etc., in the specification, claims, and accompanying drawings of this application are used to distinguish similar objects and are not necessarily used to describe a specific order or sequence. It should be understood that such data can be interchanged where appropriate so that the embodiments of this application described herein can be implemented in orders other than those illustrated or described herein. Furthermore, the terms "comprising" and "having," and any variations thereof, are intended to cover non-exclusive inclusion; for example, a process, method, system, product, or server that comprises a series of steps or units is not necessarily limited to those steps or units explicitly listed, but may include other steps or units not explicitly listed or inherent to such processes, methods, products, or devices.

[0020] Figure 1 This is an application environment diagram of the insurance plan business processing method provided in the embodiments of this application.

[0021] like Figure 1 As shown, the application environment may include at least terminal device 01, terminal device 02, and application server 03.

[0022] In an optional embodiment, terminal device 01 can run a product service demonstration backend application. This application allows operators to flexibly configure target insurance products based on the front-end page displayed on terminal device 01 and obtain the configuration data submitted by the front-end page. The application can also save the association between the target insurance product and the submitted configuration data to the insurance product configuration database based on application server 03. In this application, terminal device 01 and application server 03 are considered as a single execution entity, referred to as the first terminal. This first terminal has the front-end page of terminal device 01 and the storage and data processing capabilities of application server 03. Terminal device 02 can run a product service demonstration front-end application. This application allows business personnel to input personalized customer insurance information for the target insurance product based on the front-end page displayed on terminal device 02 and send it to application server 03. Application server 03 determines the demonstration result of the demonstration benefit item corresponding to the personalized insurance information based on the insurance product configuration database and sends the demonstration result to terminal device 02. Since this application considers terminal device 01 and application server 03 as a single executing entity, referred to as the first terminal, and terminal device 02 as the second terminal, it can also be assumed that the first terminal receives the personalized insurance information sent by the second terminal, then determines the demonstration result of the demonstration benefit item corresponding to the personalized insurance information based on the insurance type configuration library, and sends the demonstration result to the second terminal. The second terminal then forms a plan according to the demonstration template based on the received demonstration result and performs a visual presentation.

[0023] Terminal devices 01 and 02 in this application environment may include, but are not limited to, electronic devices such as smartphones, desktop computers, tablets, laptops, smart speakers, digital assistants, augmented reality (AR) / virtual reality (VR) devices, smart wearable devices, in-vehicle terminals, and smart TVs; they may also be software running on the aforementioned electronic devices, such as applications and mini-programs. The operating system running on the electronic devices in this application embodiment may include, but is not limited to, Android, iOS, Linux, and Windows systems.

[0024] Application server 03 in this application environment can be a standalone physical server, a server cluster or distributed system consisting of multiple physical servers, or a cloud server that provides cloud computing services.

[0025] Figure 2 This is a flowchart illustrating the insurance plan processing method provided in this application embodiment. This method can be applied to the insurance product demonstration backend application of a first terminal, such as... Figure 2 As shown, the method includes: S201: Obtain the basic insurance data for the target insurance type submitted on the basic data upload page, and organize the basic insurance data according to the preset format to obtain standard basic data; The target insurance products are those that need to be newly launched or are about to be listed. The basic data upload page displays standardized data templates, which operations personnel can use to upload basic data for the insurance products. This basic data includes, but is not limited to, rate tables, liability clauses, and benefit bases.

[0026] In one embodiment, data integrity, format standardization, and logical consistency can be further verified through built-in validation rules. Early warnings are issued for abnormal data. After successful verification, basic insurance data such as rate tables, liability clauses, and benefit bases are organized. For example, fields in the rate table are converted into standard fields in a preset format, and liability clauses are automatically parsed in a structured manner and core parameters are extracted to obtain standard basic data.

[0027] S203: Obtain the calculation condition configuration data for the business output item submitted by the calculation condition configuration page, and obtain the calculation strategy corresponding to the business output item submitted by the strategy configuration page; The variables in the calculation strategy are reference fields associated with the business output items; the reference fields are used to reference the standard basic data or the calculation condition configuration data. Business output items are the benefits demonstrated, including but not limited to the premium for the year, the total premium, the sum insured, the year-end survival benefit, the total survival benefit, and the death benefit.

[0028] Under different calculation conditions, the demonstration results of the business output items will differ. In this application, the calculation conditions can be configured by operations personnel to obtain calculation condition configuration data. This configuration data can include standardized configuration data for dimensions such as value selection strategy, dividend realization rate parameter, core variable normalization, dividend tier, and payment method. Further, the configuration data corresponding to the value selection strategy is used to configure conditions such as multiplier, original value, dividend realization rate, and delivery coefficient; the configuration data corresponding to the dividend realization rate parameter is used to configure the default value (e.g., 100%) and value range (e.g., 0%~200%) of this parameter; the configuration data corresponding to the dividend tier is used to configure conditions such as guaranteed tier, dividend tier, and high tier; and the configuration data corresponding to the payment method is used to configure conditions such as cash payment and accumulated interest. It should be noted that in this application, the calculation conditions can be treated as configurable items through the calculation condition configuration page, thereby enabling the selection of different calculation conditions on the second terminal and determining the demonstration results of the business output items under different calculation conditions. It should be noted that the above calculation condition configuration data can be further automatically verified (including value range and logical correlation verification).

[0029] Next, operators can define the calculation strategy for business output items based on the strategy configuration page, i.e., how the demonstration results of business output items are determined. In this application's calculation strategy, reference variables are used to reference standard basic data or calculation condition configuration data. For example, ${i123.baof} can represent the premium for insurance type identifier 123; ${insureAge}!=1&&${m.rAge}?${baof_sum}:1.1*${baof_sum}-${live_sum} references the calculation results of "cumulative premium (baof_sum)" and "cumulative survival benefit (live_sum)," and distinguishes the calculation methods for different scenarios through logical judgment ($insureAge!=1&&$m.Age); ${bonus_real_rate} represents the bonus realization rate, etc.

[0030] The above method of dynamically referencing standard basic data and calculation condition configuration data through variables realizes the dynamic association between rate parameters, condition parameters and business output items. In subsequent actual calculations, it can support real-time response after rate changes and accurate substitution of rate factors into calculations, ensuring rapid adaptation of benefit demonstrations after rate adjustments.

[0031] In one embodiment, the business output item may also include a liability item. For example, when displaying the insurance liability interpretation configuration, the configuration displays "Critical illness coverage of no less than ${i12345.baoe} yuan", where ${i12345.baoe} can represent the sum insured for insurance type 12345. In subsequent actual calculations, the above-mentioned method of dynamically referencing data through variables establishes a dynamic association mechanism between liability constraints and demonstration output items, achieving differentiated liability demonstrations.

[0032] The aforementioned deep linkage mechanism of "rate-responsibility-benefit" enables real-time response and coordinated adjustment among the three parties through dynamic binding and data mapping, breaking through the limitations of traditional technologies that can only configure rates or benefits in a single dimension.

[0033] S205: Based on standard basic data, calculation condition configuration data, and calculation strategies, construct the association relationship corresponding to the target insurance type and save it in the insurance type configuration library; For each type of insurance, this application will associate and store the standard basic data, calculation condition configuration data and calculation strategy corresponding to that type of insurance in the insurance configuration library.

[0034] It should be noted that when the premium rate or liability terms of an insurance product are adjusted, or when there is a need to add diversified product configurations, the operations staff can modify the corresponding configuration parameters and update the insurance product configuration library through the above-mentioned basic data upload page, calculation condition configuration page, strategy configuration page and other visual interfaces. This eliminates the need for technical personnel to modify the underlying code, significantly shortens the product iteration and addition cycle, and reduces the cost of technical and operational collaboration.

[0035] S207: Receive the target insurance information for the target insurance type sent by the second terminal, match the calculation strategy corresponding to the target insurance type from the insurance type configuration library, associate the target insurance information with the reference field in the calculation strategy, and determine the demonstration result of the business output item; The target insurance information is obtained by submitting the insurance information input page of the second terminal, and the content displayed on the insurance information input page is determined by the configuration of the insurance business demonstration backend application. After the configuration steps S201 to S207 above, the target insurance product can be listed and published. During the business application phase, the insurance product demonstration front-end application on the second terminal can display a list of insurance products and, in response to the selection of a target insurance product from the list, display the policy information input page based on the configuration of the target insurance product's insurance product demonstration back-end application on the first terminal. It should be noted that the configuration of the insurance product demonstration back-end application may differ for different insurance products; therefore, the content displayed on the corresponding policy information input page in the insurance product demonstration front-end application on the second terminal will also differ for different insurance products.

[0036] Next, the second terminal responds to the submission operation of the insurance information on the insurance information input page, obtains the target insurance information, and sends it to the first terminal. The target insurance information may include, but is not limited to, age at the time of application, calculation mode, payment period, premium, demonstration interest rate, account top-up, etc. After receiving the target insurance information, the first terminal uses each value in the information as the field value of the corresponding reference field in the calculation strategy, thereby determining the demonstration result of each business output item and achieving automatic calculation.

[0037] S209: Send the demonstration results to the second terminal to form a plan for visual presentation.

[0038] The first terminal sends the demonstration results of the business output items to the second terminal for visualization. It should be noted that the visualization methods for the demonstration results include, but are not limited to, tables, charts, and other formats. The second terminal generates a personalized insurance plan from the aforementioned basic insurance information (including policyholder and insured information, insurance type name, payment period, insurance period, first premium, etc.), insurance liabilities, demonstration results (policy benefits, IRR, reduced premium withdrawal benefits, universal account benefits, etc.) and insurance terms, and supports export functionality, improving sales efficiency and user experience.

[0039] In this embodiment, for the target insurance product to be released, the insurance product configuration is first performed through the insurance product business demonstration backend application of the first terminal. This includes obtaining basic insurance product data for the target insurance product through the basic data upload page, and organizing the basic insurance product data according to a preset format to obtain standard basic data; obtaining calculation condition configuration data for business output items through the calculation condition configuration page, and obtaining the calculation strategy corresponding to the business output items through the strategy configuration page; wherein the variables in the calculation strategy are reference fields associated with the business output items; these reference fields are used to reference the standard basic data or to reference the calculation condition configuration data; then, based on the standard basic data, calculation condition configuration data, and calculation strategy, a relationship corresponding to the target insurance product is constructed and stored in the insurance product configuration library. The above configuration process realizes the linkage of rate-liability-benefit, and the above process realizes the decomposition of the relevant content of the target insurance product, so that the decomposed parts (standard basic data, calculation condition configuration data, and calculation strategies corresponding to business output items) can be configured independently, which is beneficial for subsequent maintenance and expansion. Thus, the configuration process for the target insurance product is completed. When the second terminal conducts business, if a target insurance product is selected, an insurance information input page is displayed. The content displayed on this page is determined by the configuration of the target insurance product in the insurance product demonstration backend application. Then, in response to the submission operation of the insurance information on the input page, the second terminal obtains the target insurance information and sends it to the first terminal. The first terminal matches the calculation strategy corresponding to the target insurance product from the insurance product configuration library and associates the target insurance information with the referenced fields in the calculation strategy to determine the demonstration result of the business output item, achieving automatic calculation. The demonstration result is then sent to the second terminal, which generates a personalized insurance plan and displays it visually. This achieves a closed-loop system for the entire insurance benefit demonstration process, solving the problems of high collaboration barriers and numerous data flow breakpoints in existing benefit demonstration systems. It also enables flexible selection of calculation conditions for business output items and outputs personalized calculation results, achieving efficient insurance product benefit demonstration and improving the accuracy and flexibility of the demonstration results for each business output item.

[0040] In one embodiment, the backend application for demonstrating insurance business on the first terminal may include a basic data configuration module, a calculation strategy preprocessing module, an insurance strategy configuration module, a special scenario calculation module, an automatic calculation module, and a demonstration result output module. These modules are strongly interconnected through standardized interfaces, forming a complete end-to-end link of "configuration-preprocessing-calculation-output," constructing a closed-loop architecture that supports large-scale expansion across multiple insurance types and business scenarios, and enhances adaptability to diverse products.

[0041] In one embodiment, the standard basic data includes rate conditions and corresponding rate values; after processing the basic data of the insurance type according to a preset format to obtain the standard basic data, the method further includes: The basic data configuration page is displayed through the basic data configuration module; the basic data configuration page includes a rate configuration template corresponding to the rate conditions, and the rate configuration template is used to configure the data items corresponding to the rate conditions; the data items corresponding to the rate conditions are used to provide various basic condition inputs when the second terminal performs a business demonstration. In response to the rate configuration operation, all configuration information of the data items corresponding to the rate conditions submitted on the basic data configuration page is obtained to obtain the basic configuration data.

[0042] Specifically, after receiving the uploaded basic insurance data and organizing it according to a preset format, standard basic data can be obtained. This standard basic data includes a rate table, which includes rate conditions and corresponding rate values. For example, for male, 30 years old, lifelong insurance period, and lump-sum payment period, the corresponding rate value is 8961; for male, 31 years old, lifelong insurance period, and lump-sum payment period, the corresponding rate value is 8959.

[0043] The basic data configuration module includes a basic data configuration page, which contains rate configuration templates for each type of rate condition. Rate conditions are obtained by parsing and organizing the basic data of the insurance type, including but not limited to premium (baof), insurance period (iDuration), payment period (pPeriod), smoking status (smoke), and occupational category (job). In one example, for the rate condition of insurance period, the corresponding rate configuration template includes option type (configurable as a dropdown list), default value (configurable as lifetime), and data item (configurable as lifetime, 10 years, 20 years, etc.). The above configuration process can be specifically configured according to the actual content of the target insurance type. For example, for insurance type 1, the insurance period can only be lifetime; for insurance type 2, the insurance period can be 1-10 years. After configuring as described above, when demonstrating the business on the second terminal, for the insurance period parameter, the user can select the desired data item (e.g., 20 years) through the dropdown list on the second terminal and then proceed with the subsequent benefit demonstration.

[0044] It should be noted that the standard's basic data also includes benefit demonstration tables (such as current price tables, dividend tables, etc.). The conditions in the benefit demonstration tables are consistent with those in the fee rate tables. Basic business data such as cash value and bonuses under different conditions can be obtained from the benefit demonstration tables, providing data support for determining the demonstration results according to the configured calculation strategy.

[0045] In this embodiment, the basic data configuration module enables the configuration of premium rate conditions, allowing premium rate configuration to be executed independently. For different insurance types with varying premium rate conditions, the configuration process described in this application flexibly addresses the selection needs of different premium rate conditions for different insurance types, eliminating the need for technical personnel to develop different front-end pages for each insurance type for display on a second terminal.

[0046] In one embodiment, obtaining the calculation condition configuration data for the business output item submitted by the calculation condition configuration page includes: The calculation condition configuration page is displayed through the calculation strategy preprocessing module. The calculation condition configuration page includes a condition configuration template for preset calculation conditions associated with the business output item. The condition configuration template is used to configure the data items corresponding to the preset calculation conditions. The data items corresponding to the preset calculation conditions are used to provide multiple calculation condition inputs when the business is demonstrated on the second terminal. In response to the calculation condition configuration operation, the configuration information of all data items corresponding to the preset calculation conditions submitted by the calculation condition configuration page is obtained to obtain the calculation condition configuration data.

[0047] Specifically, the calculation strategy preprocessing module is configured with a visual calculation condition configuration page, used to standardize the configuration of preset calculation conditions associated with business output items. These preset calculation conditions include, but are not limited to, value retrieval strategies, bonus achievement rate parameters, bonus tiers, and claiming methods. Different preset calculation conditions can correspond to different condition configuration templates. For example, for bonus tiers, the corresponding condition configuration template can be used to configure the data items such as guaranteed tier, bonus tier, and high-tier under the given bonus tier condition. For example, whether the bonus tier is displayed on the second terminal (if the bonus tier is configured not to be displayed on the second terminal, then the second terminal will not display the bonus tier switching button during business demonstrations, meaning that the second terminal will not provide multiple calculation condition input entries for bonus tiers during business demonstrations). Operations personnel can configure calculation conditions on the aforementioned calculation condition configuration page. After triggering the submission control, the first terminal obtains the configuration information of all data items submitted on this page, thus obtaining the calculation condition configuration data.

[0048] In this embodiment, by configuring calculation conditions, the second terminal can flexibly select data items corresponding to preset calculation conditions associated with business output items according to the user's personalized needs, so as to output personalized demonstration results later. The above-mentioned calculation condition configuration process improves the flexibility and scalability of the second terminal's product insurance information input page, without requiring developers to develop code for the front-end interface of each insurance product as in related technologies, effectively saving development costs.

[0049] Next, the calculation strategy corresponding to the business output item can be configured through the insurance product strategy configuration module. There are generally multiple business output items, including but not limited to cash value, accumulated premiums (baof_sum), accumulated survival benefit (live_sum), year-end survival benefit (live_end), and death benefit (death_value). Specific business output items can be configured according to the type of the target insurance product. For example, target insurance product 1 can be configured with business output item A and business output item B, and target insurance product 2 can be configured with business output item B and business output item C, etc. The calculation strategy corresponding to the business output item submitted through the strategy configuration page includes: In response to a trigger operation of the strategy editing control corresponding to the target business output item, the strategy configuration page of the target business output item is displayed through the insurance type strategy configuration module; the target business output item is any one of multiple business output items; In response to the insurance policy configuration operation, the output order and business field association relationship corresponding to the target business output item submitted by the policy configuration page are obtained; the business field association relationship is used to describe the relationship between the reference field associated with the target business output item and the demonstration result of the target business output item; The calculation strategy for the business output item is to determine the output order corresponding to the target business output item and the association relationship between the business fields.

[0050] In one example, if the strategy editing control corresponding to the target business output item "Death Benefit" is triggered, the strategy configuration page for "Death Benefit" will be displayed through the insurance policy configuration module. This strategy configuration page includes the business output item identifier (e.g., death_value), the output order, and the business field relationships.

[0051] The output order, or the calculation order of the output items, is used to indicate the priority of the calculations. In one example, if the "Death Benefit" depends on the calculation result of "Accumulated Survival Benefit (live_sum)," then the output order of "Death Benefit" can be configured to be 95, and the output order of "Accumulated Survival Benefit" can be configured to be 96 (anything greater than 95). "Accumulated Survival Benefit" is calculated before "Death Benefit."

[0052] The business field relationship can be understood as the calculation formula for the target business output item. Taking "Death Benefit" as an example, its business field relationship can be "${insureAge}-1<${m.rAge}?${baof_sum}:1.1*${baof_sum}-${live_sum}". This relationship references the calculation results of "Cumulative Premium (baof_sum)" and "Cumulative Survival Benefit (live_sum)", and this formula determines the demonstration result of the business output item "Death Benefit".

[0053] This application embodiment improves the flexibility of determining the demonstration results of business output items by visually configuring the calculation strategy for each business output item.

[0054] In one embodiment, if the computational condition configuration operation includes a configuration operation for a preset scene, the method further includes: The configuration data for the preset calculation conditions for the preset scenario is obtained through the special scenario calculation module, thus obtaining the special scenario configuration data; The special scenario configuration data is processed to complete the parameters, and when determining the demonstration result of the business output item, the completed special scenario configuration data is used to determine the demonstration result of the business output item associated with the preset scenario.

[0055] Specifically, the preset scenarios can be special scenarios such as reduced or additional claims. If the calculation condition configuration operation includes configuration operations for the above preset scenarios, then the special scenario rule template of the special scenario calculation module is activated to obtain the configuration data of the preset calculation conditions for the above preset scenarios, obtain the special scenario configuration data, and complete the parameter completion processing and core indicator calculation strategy configuration.

[0056] For example, if an operator selects "×Current Year's Reduction Coefficient" from a dropdown menu, the dropdown selection action indicates a configuration related to the scenario of reduced insurance coverage claims. After configuration, the configuration data related to reduced insurance coverage claims is retrieved, including the current year's reduced insurance amount (draw_year) / the current year's reduced insurance coefficient (draw_rate). It should be noted that if the current year's reduced insurance amount (draw_year) parameter is missing, it can be completed with the expected reduced insurance amount (draw_value). This expected reduced insurance amount parameter can be configured to be manually entered by a second terminal. When determining the demonstration result of the business output item, the special scenario calculation module can be used to associate the user-inputted draw_value with ${draw_year} and perform subsequent calculations (e.g., summing ${draw_year} across years to obtain the cumulative reduced insurance coverage claim parameter), resulting in the demonstration result of the business output item for the specific scenario.

[0057] In this embodiment of the application, a special scenario calculation module is set up for special scenarios such as reduced insurance coverage. By decoupling the module, the configuration and calculation of special scenarios can be executed independently, which improves the flexibility of configuration and calculation.

[0058] After configuring according to the above embodiments, the target insurance product can be listed and published. In one embodiment, the step of constructing the association relationship corresponding to the target insurance product based on the standard basic data, the calculation condition configuration data, and the calculation strategy, and storing it in the insurance product configuration library, includes: In response to the release operation for the target insurance product, the standard basic data, the basic configuration data, the calculation condition configuration data, and the calculation strategy are determined as the configuration data for the target insurance product; Establish the association between the target insurance type identifier and the configuration data, and save it in the insurance type configuration library.

[0059] Specifically, after the target insurance product configuration is completed, in response to the release operation for the target insurance product, the standard basic data, the basic configuration data, the calculation condition configuration data, and the calculation strategy of the target insurance product are associated with the target insurance product identifier and stored in the insurance product configuration library. The target insurance product identifier uniquely identifies the target insurance product. The establishment of the above-mentioned insurance product configuration library allows different insurance products to correspond to different configuration data, facilitating subsequent data retrieval. This application, based on a visual configuration interface and template-based design, supports rapid strategy adjustment and can adapt to the benefit demonstration requirements of new insurance products such as participating insurance and annuity insurance without technical development intervention, rapidly improving the response speed for the release of new insurance products.

[0060] After the target insurance product is published, it can be displayed in the insurance product list. If the salesperson selects the target insurance product after the insurance product list is displayed on the second terminal, the second terminal sends an insurance product selection request to the first terminal. The insurance product selection request includes the insurance product identifier of the target insurance product. In one embodiment, after receiving the request, the first terminal matches the configuration data corresponding to the target insurance product identifier from the insurance product configuration library, including basic configuration data, calculation condition configuration data, etc.; then, it determines the display information of the configurable items of the second terminal based on the configuration data and sends it to the second terminal; the configurable items of the second terminal include data items in the basic configuration data and data items corresponding to preset calculation conditions in the calculation condition configuration data; the second terminal can display the insurance information input page according to the received display information, and obtain the target insurance information submitted on the insurance information input page after triggering the submission operation; the insurance information input page displays the configurable items to provide multiple condition inputs.

[0061] Figure 3This is a schematic diagram showing the comparison between the configuration content of the first terminal and the display content of the second terminal provided in the embodiments of this application. For example... Figure 3 As shown, in the first terminal, operators can configure a rate condition such as "insurance period" through a visual interface. The option type for configuring this rate condition is a drop-down list, with a default value of "lifetime." The options can include other data items such as "lifetime" (for item 1) and "10 years" (for item 2). The first terminal can send the displayed information corresponding to the above configuration to the second terminal used by sales personnel during business operations. Correspondingly, the "insurance period" field in the second terminal is configurable. Figure 3 As shown, in the second terminal, this section displays the "Lifetime" option by default, but other options can be selected via a dropdown menu. By configuring the first terminal, the selectability of the displayed options in the second terminal is achieved, enabling the subsequent demonstration of benefit items that meet the actual insurance needs based on personalized insurance conditions.

[0062] Furthermore, different calculation conditions will also affect the presentation results of the actual benefit illustration items. For example, different dividend realization rates will result in different presentation results for the benefit illustration items. Through the configuration of the first terminal, the dividend realization rate can be configured as an input item, displaying 100% by default, supporting manual input on the second terminal, and configuring the range of input values ​​(e.g., 0% to 200%). The first terminal can send the display information corresponding to the above configuration to the second terminal used by sales personnel during business development. Correspondingly, when sales personnel are conducting business, this column will display the value of 100% by default, but they can also set the realization rate by manually entering a value (e.g., 60%) in the input box. Then, the presentation result of the benefit illustration item can be determined according to the manually entered dividend realization rate, so that the business target (policyholder) can fully and accurately understand the target insurance product.

[0063] In another embodiment, operators can configure default values ​​for each calculation condition on the calculation condition configuration page. After receiving an insurance type selection request from the second terminal, the first terminal matches the configuration data corresponding to the target insurance type identifier from the insurance type configuration library, including basic configuration data and calculation condition configuration data. Then, based on the basic configuration data, it determines the basic configurable items of the second terminal, i.e., the display information of data items in the basic configuration data (including but not limited to data items corresponding to gender, insured age, insurance period, etc.), and sends it to the second terminal. After obtaining the target insurance information submitted on the insurance information input page, it can determine the demonstration results of each business output item according to the default values ​​of the preset calculation conditions based on the target insurance information and send them to the second terminal for visualization. At the same time, it can also determine the configurable items of the calculation conditions of the second terminal based on the calculation condition configuration data, i.e., the display information of data items corresponding to the preset calculation conditions in the calculation condition configuration data (including but not limited to data items corresponding to conditions such as bonus realization rate and payment method), and send them to the second terminal, so that business personnel can change the calculation conditions and update the demonstration results of the business output items in the second terminal.

[0064] In this embodiment of the application, the configuration of the first terminal enables the second terminal to display different insurance information input pages and obtain personalized insurance conditions and calculation conditions. This allows the demonstration results of the business output items to be determined based on the personalized condition input, so that the demonstration results are no longer fixed according to the default conditions, but determined according to the actual needs, thereby improving the flexibility of the demonstration.

[0065] After triggering the insurance information submission operation, the second terminal sends the target insurance information submitted on the insurance information input page to the first terminal. The first terminal determines the demonstration result of the corresponding business output item based on the personalized target insurance information. The automatic calculation module of this application follows a three-layer progressive loop logic when determining the demonstration result, flowing from the outer year to the inner dependency resolution, nested layer by layer and executed sequentially. Specifically, Figure 4 This is a flowchart illustrating the demonstration results of determining business output items provided in an embodiment of this application. For example... Figure 4 As shown, initialization is performed first. The automatic calculation module uses the field value corresponding to each input field in the target insurance information as the value of the reference field in the calculation strategy, and determines the annual range of the benefit demonstration based on the target insurance information; the annual range is from 1 to the insurance expiration date. In one example, assuming that the "insurance period" in the target insurance information is 15 years, the value 15 is associated with the reference field ${i123.iDuration} in the calculation strategy, and the annual range is determined to be from 1 to 15.

[0066] Next, the first loop, namely the policy year loop (outer loop), is performed. Specifically, each policy year in the stated year range is traversed, and for the current policy year, the values ​​of the business field associations of each business output item are validated to obtain the parameter validation results; If the parameter verification result indicates that the verification is successful, the demonstration result of each business output item is determined sequentially according to the output order of each business output item. The demonstration result of each business output item is determined by the association relationship of the business fields corresponding to each business output item.

[0067] In this application, the process is carried out sequentially according to the natural year, starting from the first policy year and continuing until the insurance period expires (e.g., year 1 → year 2 → … → year 15). After the demonstration results of all business output items for the current policy year are determined, the process automatically proceeds to the next policy year until the entire insurance period is covered.

[0068] In one embodiment, determining the demonstration result of each business output item sequentially according to the output order of each business output item includes: The multiple business output items are sorted according to the output order to obtain a sorting queue; Traverse each business output item in the sorted queue and take the current business output item as the current node; If the business field association relationship of the current node includes a dependency field, the dependency field is determined as the current node, and the dependency field association relationship of the current node is handled by default. The dependency field association relationship of the current node at each level is recursively executed until the field value of the dependency field of the current business output item is obtained. The demonstration result of the current business output item is determined based on the field value of the dependent field.

[0069] In this embodiment, a second-level loop, namely, an output item order loop, is nested within each policy year. Specifically, multiple business output items are sorted according to their corresponding output order to obtain a sorting queue. For example, those with higher output order are arranged first, and those with lower output order are arranged last. Each business output item in the sorting queue is traversed to determine the demonstration result of the currently traversed business output item. After the demonstration result of the current business output item is determined, the process of determining the demonstration result of the next business output item in the sorting queue is automatically started until the demonstration results of all business output items in the current policy year are determined. A third-level loop, namely, a recursive dependency node loop, is nested within the calculation process of each business output item. Specifically, the current business output item is taken as the current node, and the business field association relationship corresponding to the current node is detected. If there are referenced non-output dependency fields, the dependency chain is automatically recursively resolved (tracing back from directly referenced fields to the lowest level of undependent fields). The field values ​​of all dependent fields are determined in the order of bottom layer → top layer, and the field value is returned to the current business output item as the basic data for determining its demonstration result, thus obtaining the demonstration result of the current business output item.

[0070] This application proposes a three-layer demonstration result determination architecture of "annual loop - output item sequential loop - recursive dependency loop", which clarifies the execution order, calculation priority and dependency relationship of each loop level, and ensures the efficiency of the calculation process and the accuracy of the results.

[0071] It should be noted that in the above three-layer demonstration result determination architecture, this application further embeds a triple verification fallback mechanism, including parameter unification fallback, default formula completion, and result consistency verification. Specifically, after the first loop begins, parameter unification fallback is first performed, that is, the values ​​of the business field association relationships of each of the business output items are verified to obtain parameter verification results; after the second loop begins, the business field association relationships are defaulted; after determining the demonstration results of each business output item in the order of output of each business output item, result consistency verification is further performed on the demonstration results of each business output item. If the verification passes, the next policy year of the current policy year is used as the current policy year again; the process jumps to the step of verifying the values ​​of the business field association relationships of each of the multiple business output items for the current policy year to obtain parameter verification results.

[0072] Parameter unification and fallback refers to standardizing parameters (e.g., converting the "lifetime" insurance period into a 105-year standardized value), achieving standardized parameter processing and missing parameter completion; handling default relationships of business fields, i.e., completing default formulas (e.g., automatically completing the parameter draw_year for the current year's reduced insurance amount); ensuring the continuity of calculations; and verifying the consistency of results, i.e., verifying the compliance and consistency of the demonstration results (e.g., determining that the demonstration result of the business output item IRR of 3.5% is within the preset value range).

[0073] By embedding a triple verification fallback mechanism into the automatic calculation module, a full-link risk control system was constructed, realizing comprehensive verification and fallback of intermediate data. It avoids calculation anomalies from the three core links of parameters, formulas and results, and solves the problems of data chaos, calculation interruption and result distortion that are prone to occur in traditional systems, ensuring the efficiency, accuracy and reliability of the demonstration results.

[0074] Figure 5 This is a full-process interactive diagram illustrating the benefits provided in the embodiments of this application. For example... Figure 5 As shown, the first step is to upload basic data. Operations personnel can upload basic data, configure benchmarks, determine business output items, and add them to the demonstration list using the insurance business demonstration backend application on the first terminal. The second step is to perform pre-processing of the calculation strategy. Technical developers pre-define value extraction strategies, dividend formulas, variable pools, etc., while operations personnel can complete the standardized configuration of value extraction strategies, dividend realization rate parameters, core variable normalization, dividend tiers, and payment methods through a visual configuration interface. The third step is to configure the insurance strategy. Operations personnel define the calculation strategy for business output items based on a visual template, linking business output items such as cash flow and internal rate of return (IRR) to establish business field relationships. The fourth step is to perform special scenario calculations and automatic calculations. Business personnel can select demonstration conditions and enter parameters through the insurance business demonstration frontend application on the second terminal and submit them. Then, based on the received demonstration conditions and submitted parameters, the indicators are automatically calculated to determine the demonstration results of the business output items, while simultaneously enabling a triple fallback mechanism. The demonstration results are then synchronized to the business personnel's second terminal. The second terminal displays the demonstration results in visual formats such as charts, and also generates an insurance plan from the insurance information and demonstration results. Business personnel can then export this personalized insurance plan. This multi-entity collaborative, closed-loop interaction mechanism clarifies the responsibilities and data interaction standards of various stakeholders, including operations / business personnel and technical developers, through standardized configuration interfaces, thus overcoming the technical problems of high collaboration barriers and numerous data flow interruptions in traditional systems.

[0075] The following explanation uses a family financial planning insurance product (covering participating insurance and annuity insurance) as an example to illustrate the benefit demonstration process. First, in the operational preparation phase, operations personnel upload data such as the basic premium rate table, liability terms, and benefit benchmarks for participating insurance and annuity insurance through the basic data configuration module, completing batch verification and benchmark configuration. Simultaneously, the calculation strategy preprocessing module completes standardized configuration of value selection strategies, dividend realization rates (default 100%, range 0%-200%), dividend tiers (guaranteed, dividend, and high-end), and payout methods (cash payout, accumulated interest, etc.). Next, in the strategy configuration phase: configuration personnel define calculation strategies based on a visual template, linking output items such as cash flow, IRR, and accumulated survival benefits. Simultaneously, the special scenario calculation module's reduction rule template is activated to complete the configuration of reduction parameter completion rules and core indicator calculation rules. After configuration, the insurance product can be released and launched. During the application phase, sales personnel enter customer insurance information (e.g., 35-year-old male, annual premium of 100,000 yuan, 5-year payment period) into the front-end interface. The system automatically calculates core indicators and activates a triple-check mechanism to ensure the accuracy of the calculation results. The calculation results can be displayed in real-time on the sales personnel's terminal in a visual manner, such as using a combination of tables and line charts to clearly present the trend of benefit changes. Sales personnel can also adjust the demonstration conditions according to customer needs (e.g., selecting different payout methods, different bonus tiers, etc.), and the corresponding benefit demonstration results will update accordingly. During the maintenance and iteration phase, when product rates or liability terms are adjusted, or when new diversified product configuration requirements are added, operations personnel modify the corresponding configuration parameters through the visual interface. The system automatically updates the configuration data without requiring technical personnel to modify the underlying code, significantly shortening the product iteration and addition cycle and reducing technical and operational collaboration costs.

[0076] Figure 6 This is a schematic diagram of the insurance plan processing device provided in this embodiment of the application. This device can be applied to the insurance product demonstration backend application of a first terminal. For example... Figure 6 As shown, the device 600 includes: The standard basic data configuration module 601 is used to obtain the basic insurance data for the target insurance type submitted by the basic data upload page, and to organize the basic insurance data according to a preset format to obtain standard basic data. The condition and calculation strategy configuration module 602 is used to obtain the calculation condition configuration data for the business output item submitted by the calculation condition configuration page, and to obtain the calculation strategy corresponding to the business output item submitted by the strategy configuration page; the variables in the calculation strategy are reference fields associated with the business output item; the reference fields are used to reference the standard basic data or to reference the calculation condition configuration data; The insurance type configuration data storage module 603 is used to construct the association relationship corresponding to the target insurance type based on the standard basic data, the calculation condition configuration data and the calculation strategy, and store it in the insurance type configuration library; The demonstration result determination module 604 is used to receive the target insurance information for the target insurance type sent by the second terminal, match the calculation strategy corresponding to the target insurance type from the insurance type configuration library, associate the target insurance information with the reference field in the calculation strategy, and determine the demonstration result of the business output item; the target insurance information is obtained by the insurance information input page of the second terminal, and the display content of the insurance information input page is determined by the configuration of the insurance type business demonstration backend application; The demonstration result sending module 605 is used to send the demonstration result to the second terminal to form an insurance plan for visual display.

[0077] In some embodiments, the condition and calculation strategy configuration module includes: The calculation condition configuration page display submodule is used to display the calculation condition configuration page through the calculation strategy preprocessing module. The calculation condition configuration page includes a condition configuration template for preset calculation conditions associated with the business output item. The condition configuration template is used to configure the data items corresponding to the preset calculation conditions. The data items corresponding to the preset calculation conditions are used to provide multiple calculation condition inputs when the business is demonstrated on the second terminal. The calculation condition configuration data acquisition submodule is used to respond to the calculation condition configuration operation, acquire the configuration information of all data items corresponding to the preset calculation conditions submitted by the calculation condition configuration page, and obtain the calculation condition configuration data.

[0078] In some embodiments, if the computational condition configuration operation includes a configuration operation for a preset scene, the device 600 further includes: The special scenario configuration data acquisition module is used to acquire configuration data of preset calculation conditions for the preset scenario through the special scenario calculation module, and obtain special scenario configuration data. The special scenario demonstration result determination module is used to perform parameter completion processing on the special scenario configuration data, and when determining the demonstration result of the business output item, it uses the completed special scenario configuration data to determine the demonstration result of the business output item associated with the preset scenario.

[0079] In some embodiments, the standard basic data includes rate conditions and corresponding rate values; the device 600 further includes: The basic data configuration page display module is used to display the basic data configuration page through the basic data configuration module; the basic data configuration page includes a rate configuration template corresponding to the rate conditions, and the rate configuration template is used to configure the data items corresponding to the rate conditions; the data items corresponding to the rate conditions are used to provide various basic condition inputs when performing business demonstrations on the second terminal; The basic configuration data acquisition module is used to respond to the rate configuration operation, acquire all configuration information of the data items corresponding to the rate conditions submitted by the basic data configuration page, and obtain the basic configuration data.

[0080] In some embodiments, the insurance type configuration data storage module includes: The configuration data determination submodule is used to determine the standard basic data, the basic configuration data, the calculation condition configuration data, and the calculation strategy as the configuration data for the target insurance type in response to the release operation for the target insurance type. The configuration data storage submodule is used to establish the association between the target insurance type identifier and the configuration data, and to store it in the insurance type configuration library.

[0081] In some embodiments, the device 600 further includes: The insurance type selection request receiving module is used to receive an insurance type selection request sent by the second terminal, which includes the target insurance type identifier, and to match the configuration data corresponding to the target insurance type identifier from the insurance type configuration library; The display information determination module is used to determine the display information of the configurable items of the second terminal based on the configuration data; the configurable items of the second terminal include data items in the basic configuration data and data items corresponding to preset calculation conditions in the calculation condition configuration data; The display information sending module is used to send display information corresponding to the configurable items to the second terminal so that the second terminal can display the insurance information input page according to the display information and obtain the target insurance information submitted by the insurance information input page; the insurance information input page displays the configurable items to provide multiple input conditions.

[0082] In some embodiments, if there are multiple service output items, the condition and calculation strategy configuration module 602 includes: The strategy configuration page display submodule is used to respond to the triggered operation of the strategy editing control corresponding to the target business output item, and to display the strategy configuration page of the target business output item through the insurance type strategy configuration module; the target business output item is any one of multiple business output items; The data acquisition submodule is used to respond to the insurance policy configuration operation and obtain the output order and business field association relationship corresponding to the target business output item submitted by the policy configuration page; the business field association relationship is used to describe the relationship between the reference field associated with the target business output item and the demonstration result of the target business output item; The calculation strategy determination submodule is used to determine the calculation strategy of the business output item by the output order corresponding to the target business output item and the association relationship of the business field.

[0083] In some embodiments, the demonstration result determination module includes: The initialization submodule is used to use the field value corresponding to each input field in the target insurance information as the value of the reference field in the calculation strategy through the automatic calculation module, and to determine the annual range of the benefit demonstration based on the target insurance information; The parameter validation submodule is used to traverse each policy year in the given annual range, and for the current policy year being traversed, to validate the values ​​of the business field association relationships of each business output item, and obtain the parameter validation results. The demonstration result determination submodule is used to determine the demonstration result of each business output item in the order of output of each business output item if the parameter verification result characterization verification passes. The demonstration result of each business output item is determined by the association relationship of the business fields corresponding to each business output item.

[0084] In some embodiments, the demonstration result determination submodule includes: A sorting unit is used to sort multiple business output items according to the output order to obtain a sorting queue; The traversal unit is used to traverse each business output item in the sorted queue and take the current business output item as the current node. The recursive unit is used to determine the dependent field as the current node if the business field association relationship of the current node includes a dependent field, and to perform default processing on the dependent field association relationship of the current node, and recursively execute the dependent field association relationship of the current node at each level until the field value of the dependent field of the current business output item is obtained. The demonstration result determination unit is used to determine the demonstration result of the current business output item based on the field value of the dependent field.

[0085] In some embodiments, the demonstration result determination module further includes: The result consistency verification submodule is used to verify the consistency of the demonstration results of each business output item. If the verification passes, the next policy year of the current policy year will be used as the current policy year again. The step jump module is used to jump to execute the step of verifying the values ​​of the business field association relationships of the multiple business output items for the current policy year being traversed, and obtaining the parameter verification result.

[0086] Figure 7 This is a schematic diagram of the structure of the insurance plan processing device provided in this application embodiment. The device 700 can be applied to the insurance product demonstration front-end application of a second terminal, and the device 700 may include: The insurance information input page display module 701 is used to display the insurance information input page for the target insurance type; the content displayed on the insurance information input page is determined by the configuration of the insurance business demonstration backend application of the first terminal. The target insurance information sending module 702 is used to obtain the target insurance information and send it to the first terminal in response to the insurance information submission operation on the insurance information input page; The demonstration result receiving module 703 is used to receive the demonstration result of the business output item sent by the first terminal and display it visually; the demonstration result is generated using the embodiment of the insurance plan business processing method shown above.

[0087] The apparatus and method embodiments described herein are based on the same inventive concept.

[0088] This application provides an insurance plan business processing system, which includes a back-end application for insurance business demonstration on a first terminal and a front-end application for insurance business demonstration on a second terminal. The first terminal is used to acquire basic insurance data for the target insurance type submitted by the basic data upload page, and to organize the basic insurance data according to a preset format to obtain standard basic data; acquire calculation condition configuration data for the business output item submitted by the calculation condition configuration page, and acquire the calculation strategy corresponding to the business output item submitted by the strategy configuration page; the variables in the calculation strategy are reference fields associated with the business output item; the reference fields are used to reference the standard basic data or to reference the calculation condition configuration data; based on the standard basic data, the calculation condition configuration data, and the... The system calculates a strategy to establish an association with the target insurance type and stores it in the insurance type configuration library. It receives target insurance information for the target insurance type from the second terminal, matches the calculation strategy corresponding to the target insurance type from the insurance type configuration library, and associates the target insurance information with the reference field in the calculation strategy to determine the demonstration result of the business output item. The target insurance information is obtained by submitting the insurance information input page of the second terminal, and the display content of the insurance information input page is determined by the configuration of the insurance type business demonstration backend application. The demonstration result is then sent to the second terminal for visual display. The second terminal is used to display the insurance information input page for the target insurance type; the content displayed on the insurance information input page is determined by the configuration of the insurance business demonstration backend application of the first terminal; in response to the submission operation of the insurance information in the insurance information input page, the target insurance information is obtained and sent to the first terminal; the demonstration result of the business output item sent by the first terminal is received and visualized; the demonstration result is generated using the embodiment corresponding to the insurance plan business processing method shown above.

[0089] This application provides an electronic device including a processor and a memory. The memory stores at least one instruction or at least one program, which is loaded and executed by the processor to implement the method provided in the above method embodiments.

[0090] Embodiments of this application also provide a computer storage medium, which can be disposed in a terminal to store at least one instruction or at least one program related to implementing a method as provided in the above method embodiments, wherein the at least one instruction or at least one program is loaded and executed by the processor to implement the method provided in the above method embodiments.

[0091] Embodiments of this application also provide a computer program product or computer program, which includes computer instructions stored in a computer-readable storage medium. A processor of a computer device reads the computer instructions from the computer-readable storage medium and executes the computer instructions, causing the computer device to perform the method provided in the above-described method embodiments.

[0092] Optionally, in this embodiment, the storage medium may be located at at least one of the multiple network servers in a computer network. Optionally, in this embodiment, the storage medium may include, but is not limited to, various media capable of storing program code, such as USB flash drives, read-only memory (ROM), random access memory (RAM), portable hard drives, magnetic disks, or optical disks.

[0093] The memory described in this application embodiment can be used to store software programs and modules. The processor executes various functional applications and data processing by running the software programs and modules stored in the memory. The memory may mainly include a program storage area and a data storage area. The program storage area may store the operating system, applications required for the functions, etc.; the data storage area may store data created according to the use of the device, etc. In addition, the memory may include high-speed random access memory, and may also include non-volatile memory, such as at least one disk storage device, flash memory device, or other volatile solid-state storage device. Accordingly, the memory may also include a memory controller to provide the processor with access to the memory.

[0094] Figure 8 This is a hardware structure block diagram of a server for an insurance plan business processing method provided in an embodiment of this application. For example... Figure 8As shown, the server 800 can vary significantly due to different configurations or performance. It may include one or more Central Processing Units (CPUs) 810 (CPUs 810 may include, but are not limited to, microprocessors (MCUs) or programmable logic devices (FPGAs), a memory 830 for storing data, and one or more storage media 820 (e.g., one or more mass storage devices) for storing application programs 823 or data 822. The memory 830 and storage media 820 may be temporary or persistent storage. The program stored in the storage media 820 may include one or more modules, each module may include a series of instruction operations on the server. Furthermore, the CPU 810 may be configured to communicate with the storage media 820 and execute the series of instruction operations stored in the storage media 820 on the server 800. Server 800 may also include one or more power supplies 860, one or more wired or wireless network interfaces 850, one or more input / output interfaces 840, and / or one or more operating systems 821, such as Windows Server™, Mac OS X™, Unix™, Linux™, FreeBSD™, etc.

[0095] The input / output interface 840 can be used to receive or send data via a network. Specific examples of the network described above may include a wireless network provided by the communication provider of server 800. In one example, the input / output interface 840 includes a network interface controller (NIC), which can connect to other network devices via a base station to communicate with the Internet. In another example, the input / output interface 840 may be a radio frequency (RF) module used for wireless communication with the Internet.

[0096] Those skilled in the art will understand that Figure 8 The structure shown is for illustrative purposes only and does not limit the structure of the aforementioned electronic device. For example, server 800 may also include... Figure 8 The more or fewer components shown, or having the same Figure 8 The different configurations shown.

[0097] As can be seen from the embodiments of the insurance plan business processing method, device, system and storage medium provided in this application, for the target insurance type to be released, this application first configures the insurance type through the insurance type business demonstration backend application of the first terminal. This includes obtaining the basic insurance type data for the target insurance type through the basic data upload page, and organizing the basic insurance type data according to the preset format to obtain standard basic data; obtaining the calculation condition configuration data for the business output item through the calculation condition configuration page, and obtaining the calculation strategy corresponding to the business output item through the strategy configuration page; wherein the variable in the calculation strategy is a reference field associated with the business output item; the reference field is used to reference the standard basic data or to reference the calculation condition configuration data; then, based on the standard basic data, the calculation condition configuration data and the calculation strategy, the association relationship corresponding to the target insurance type is constructed and stored in the insurance type configuration library; the above configuration process realizes the linkage of rate-liability-benefit, and the above process realizes the decomposition of the relevant content of the target insurance type, so that the decomposed parts (standard basic data, calculation condition configuration data, and calculation strategy corresponding to the business output item) can be configured independently, which is conducive to subsequent maintenance and expansion. At this point, the configuration process for the target insurance product is complete. When the second terminal selects the target insurance product during business development, it displays an insurance information input page. The content displayed on this page is determined by the configuration of the target insurance product in the insurance product demonstration backend application. Then, in response to the submission operation of the insurance information on the input page, the second terminal obtains the target insurance information and sends it to the first terminal. The first terminal matches the calculation strategy corresponding to the target insurance product from the insurance product configuration library and associates the target insurance information with the referenced fields in the calculation strategy to determine the demonstration result of the business output item, achieving automatic calculation. The demonstration result is then sent to the second terminal, which generates a personalized insurance plan and displays it visually. This achieves a closed-loop system for the entire insurance benefit demonstration process, solving the problems of high collaboration barriers and numerous data flow breakpoints in existing benefit demonstration systems. It also enables flexible selection of calculation conditions for business output items and outputs personalized calculation results, achieving efficient insurance product benefit demonstration and improving the accuracy and flexibility of the demonstration results for each business output item.

[0098] It should be noted that the order of the embodiments described above is merely for descriptive purposes and does not represent the superiority or inferiority of the embodiments. Furthermore, specific embodiments have been described above. Other embodiments are within the scope of the appended claims. In some cases, the actions or steps described in the claims can be performed in a different order than that shown in the embodiments and still achieve the desired result. Additionally, the processes depicted in the drawings do not necessarily require a specific or sequential order to achieve the desired result. In some embodiments, multitasking and parallel processing are also possible or may be advantageous.

[0099] The various embodiments in this specification are described in a progressive manner. Similar or identical parts between embodiments can be referred to mutually. Each embodiment focuses on describing the differences from other embodiments. In particular, the embodiments of apparatus, devices, and storage media are basically similar to the method embodiments, so the descriptions are relatively simple; relevant parts can be referred to the descriptions of the method embodiments.

[0100] Those skilled in the art will understand that all or part of the steps of the above embodiments can be implemented by hardware or by a program instructing related hardware. The program can be stored in a computer storage medium, such as a read-only memory, a disk, or an optical disk.

[0101] The above description is only a preferred embodiment of this application and is not intended to limit this application. Any modifications, equivalent substitutions, improvements, etc., made within the spirit and principles of this application should be included within the protection scope of this application.

Claims

1. A method for processing insurance plan documents, characterized in that, The method for a backend application demonstrating insurance business on a first terminal includes: Obtain the basic insurance data for the target insurance type submitted on the basic data upload page, and organize the basic insurance data according to a preset format to obtain standard basic data; The system retrieves the calculation condition configuration data for the business output item submitted on the calculation condition configuration page, and the calculation strategy corresponding to the business output item submitted on the strategy configuration page; the variables in the calculation strategy are reference fields associated with the business output item; the reference fields are used to reference the standard basic data or to reference the calculation condition configuration data; Based on the standard basic data, the calculation condition configuration data, and the calculation strategy, an association relationship corresponding to the target insurance type is constructed and stored in the insurance type configuration library; The system receives target insurance information for the target insurance type from the second terminal, matches the calculation strategy corresponding to the target insurance type from the insurance type configuration library, and associates the target insurance information with the reference field in the calculation strategy to determine the demonstration result of the business output item. The target insurance information is obtained by submitting the insurance information input page of the second terminal, and the display content of the insurance information input page is determined by the configuration of the insurance type business demonstration backend application. The demonstration results are sent to the second terminal to form a plan for visual presentation.

2. The method according to claim 1, characterized in that, The calculation condition configuration data for the business output items submitted on the calculation condition configuration page includes: The calculation condition configuration page is displayed through the calculation strategy preprocessing module. The calculation condition configuration page includes a condition configuration template for preset calculation conditions associated with the business output item. The condition configuration template is used to configure the data items corresponding to the preset calculation conditions. The data items corresponding to the preset calculation conditions are used to provide multiple calculation condition inputs when the business is demonstrated on the second terminal. In response to the calculation condition configuration operation, the configuration information of all data items corresponding to the preset calculation conditions submitted by the calculation condition configuration page is obtained to obtain the calculation condition configuration data.

3. The method according to claim 1, characterized in that, If the computational condition configuration operation includes a configuration operation for a preset scene, the method further includes: The configuration data for the preset calculation conditions for the preset scenario is obtained through the special scenario calculation module, thus obtaining the special scenario configuration data; The special scenario configuration data is processed to complete the parameters, and when determining the demonstration result of the business output item, the completed special scenario configuration data is used to determine the demonstration result of the business output item associated with the preset scenario.

4. The method according to claim 1, characterized in that, The standard basic data includes rate conditions and corresponding rate values; After organizing the basic data of the insurance type according to a preset format to obtain standard basic data, the method further includes: The basic data configuration page is displayed through the basic data configuration module; the basic data configuration page includes a rate configuration template corresponding to the rate conditions, and the rate configuration template is used to configure the data items corresponding to the rate conditions; the data items corresponding to the rate conditions are used to provide various basic condition inputs when the second terminal performs a business demonstration. In response to the rate configuration operation, all configuration information of the data items corresponding to the rate conditions submitted on the basic data configuration page is obtained to obtain the basic configuration data.

5. The method according to claim 4, characterized in that, The step of constructing an association relationship corresponding to the target insurance type based on the standard basic data, the calculation condition configuration data, and the calculation strategy, and storing it in the insurance type configuration library, includes: In response to the release operation for the target insurance product, the standard basic data, the basic configuration data, the calculation condition configuration data, and the calculation strategy are determined as the configuration data for the target insurance product; Establish the association between the target insurance type identifier and the configuration data, and save it in the insurance type configuration library.

6. The method according to claim 5, characterized in that, Before receiving the target insurance information for the target type of insurance sent by the second terminal, the method further includes: Receive an insurance type selection request sent by the second terminal, which includes the target insurance type identifier, and match the configuration data corresponding to the target insurance type identifier from the insurance type configuration library; The display information of the configurable items of the second terminal is determined based on the configuration data; the configurable items of the second terminal include data items in the basic configuration data and data items corresponding to preset calculation conditions in the calculation condition configuration data; The system sends display information corresponding to the configurable item to the second terminal so that the second terminal can display the insurance information input page according to the display information and obtain the target insurance information submitted by the insurance information input page; the insurance information input page displays the configurable item to provide multiple input conditions.

7. The method according to claim 1, characterized in that, If there are multiple business output items, the calculation strategy corresponding to the business output item submitted on the strategy configuration page includes: In response to a trigger operation of the strategy editing control corresponding to the target business output item, the strategy configuration page of the target business output item is displayed through the insurance type strategy configuration module; the target business output item is any one of multiple business output items; In response to the insurance policy configuration operation, the output order and business field association relationship corresponding to the target business output item submitted by the policy configuration page are obtained; the business field association relationship is used to describe the relationship between the reference field associated with the target business output item and the demonstration result of the target business output item; The calculation strategy for the business output item is to determine the output order corresponding to the target business output item and the association relationship of the business field.

8. The method according to claim 7, characterized in that, The step of associating the target insurance information with the reference field in the calculation strategy to determine the demonstration result of the business output item includes: The automatic calculation module uses the field value corresponding to each input field in the target insurance information as the value of the reference field in the calculation strategy, and determines the annual range of the benefit demonstration based on the target insurance information. Iterate through each policy year in the given year range, and for the current policy year, validate the values ​​of the business field associations of each business output item to obtain the parameter validation results. If the parameter verification result indicates that the verification is successful, the demonstration result of each business output item is determined sequentially according to the output order of each business output item. The demonstration result of each business output item is determined by the association relationship of the business fields corresponding to each business output item.

9. The method according to claim 8, characterized in that, The process of determining the demonstration results of each business output item sequentially according to the output order of each business output item includes: The multiple business output items are sorted according to the output order to obtain a sorting queue; Traverse each business output item in the sorted queue and take the current business output item as the current node; If the business field association relationship of the current node includes a dependency field, the dependency field is determined as the current node, and the dependency field association relationship of the current node is handled by default. The dependency field association relationship of the current node at each level is recursively executed until the field value of the dependency field of the current business output item is obtained. The demonstration result of the current business output item is determined based on the field value of the dependent field.

10. The method according to claim 8, characterized in that, After determining the demonstration results of each business output item in the order of their output, the method further includes: Perform consistency verification on the demonstration results of each business output item. If the verification passes, the next policy year of the current policy year will be used as the current policy year again. The process jumps to the step of validating the values ​​of the business field relationships of the multiple business output items for the current policy year being traversed, and obtaining the parameter validation results.

11. A method for processing insurance plan documents, characterized in that, A front-end application for demonstrating insurance business on a second terminal, the method comprising: Display the insurance information input page for the target insurance type; the content displayed on the insurance information input page is determined by the configuration of the insurance business demonstration backend application of the first terminal; In response to the submission operation of insurance information on the insurance information input page, the target insurance information is obtained and sent to the first terminal; The system receives the demonstration results of the service output items sent by the first terminal and generates a plan for visual display; the demonstration results are generated using any of the insurance plan business processing methods described in claims 1-10.

12. An insurance plan processing device, characterized in that, A backend application for demonstrating insurance business on a first terminal, the device comprising: The standard basic data configuration module is used to obtain the basic insurance data for the target insurance type submitted by the basic data upload page, and to organize the basic insurance data according to a preset format to obtain standard basic data. The condition and calculation strategy configuration module is used to obtain the calculation condition configuration data for the business output item submitted by the calculation condition configuration page, and to obtain the calculation strategy corresponding to the business output item submitted by the strategy configuration page; the variables in the calculation strategy are reference fields associated with the business output item; the reference fields are used to reference the standard basic data or to reference the calculation condition configuration data; The insurance type configuration data storage module is used to construct the association relationship corresponding to the target insurance type based on the standard basic data, the calculation condition configuration data and the calculation strategy, and store it in the insurance type configuration library; The demonstration result determination module is used to receive target insurance information for the target insurance type sent by the second terminal, match the calculation strategy corresponding to the target insurance type from the insurance type configuration library, associate the target insurance information with the reference field in the calculation strategy, and determine the demonstration result of the business output item; the target insurance information is obtained by submitting the insurance information input page of the second terminal, and the display content of the insurance information input page is determined by the configuration of the insurance type business demonstration backend application; The demonstration result sending module is used to send the demonstration results to the second terminal to form a plan for visual display.

13. An insurance plan processing device, characterized in that, A front-end application for demonstrating insurance business on a second terminal, the device comprising: The insurance information input page display module is used to display the insurance information input page for the target insurance type; the content displayed on the insurance information input page is determined by the configuration of the insurance business demonstration backend application of the first terminal. The target insurance information sending module is used to respond to the insurance information submission operation on the insurance information input page, obtain the target insurance information and send it to the first terminal; The demonstration result receiving module is used to receive the demonstration results of the business output items sent by the first terminal and form a plan for visual display; the demonstration results are generated using any of the insurance plan business processing methods described in claims 1-10.

14. An insurance plan business processing system, characterized in that, The insurance plan business processing system includes a back-end application for insurance business demonstration on the first terminal and a front-end application for insurance business demonstration on the second terminal. The first terminal is used to acquire basic insurance data for the target insurance type submitted by the basic data upload page, and to organize the basic insurance data according to a preset format to obtain standard basic data; acquire calculation condition configuration data for the business output item submitted by the calculation condition configuration page, and acquire the calculation strategy corresponding to the business output item submitted by the strategy configuration page; the variables in the calculation strategy are reference fields associated with the business output item; the reference fields are used to reference the standard basic data or the calculation condition configuration data; and the calculation strategy is based on the standard basic data, the calculation condition configuration data, and the calculation strategy. The process involves: establishing an association with the target insurance type and storing it in the insurance type configuration library; receiving target insurance information for the target insurance type from the second terminal; matching the calculation strategy corresponding to the target insurance type from the insurance type configuration library and associating the target insurance information with the reference field in the calculation strategy to determine the demonstration result of the business output item; the target insurance information is obtained by submitting the insurance information input page of the second terminal, and the display content of the insurance information input page is determined by the configuration of the insurance type business demonstration backend application; and sending the demonstration result to the second terminal to form a plan for visual display. The second terminal is used to display the insurance information input page for the target insurance type; The content displayed on the insurance information input page is determined by the configuration of the insurance business demonstration backend application of the first terminal; in response to the submission operation of insurance information on the insurance information input page, the target insurance information is obtained and sent to the first terminal; The system receives the demonstration results of the service output items sent by the first terminal and generates a plan for visual display; the demonstration results are generated using any of the insurance plan business processing methods described in claims 1-10.

15. A computer storage medium, characterized in that, The computer storage medium stores at least one instruction or at least one program, which is loaded and executed by a processor to implement the insurance plan business processing method as described in any one of claims 1-11.

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