Insurance data processing method and device and electronic equipment

Abstract

The present disclosure relates to an insurance data processing method, device and electronic equipment. The method comprises: receiving a reduction request of a target insurance type for an insured object, the reduction request carrying reduction application information; obtaining current target interest data corresponding to each of at least one target interest indicator in a first original policy corresponding to the target insurance type held by the insured object; determining target reduction configuration information corresponding to the target insurance type in preset reduction configuration information corresponding to each of the at least one insurance type, the target reduction configuration information being used to indicate processing logic information of index data corresponding to each of the at least one target interest indicator; and performing reduction update processing on the at least one target interest indicator in the first original policy corresponding to the target insurance type based on the reduction application information, the current target interest data and the target reduction configuration information, to obtain a target policy corresponding to the target insurance type. The embodiments of the present disclosure can improve the adaptation flexibility of multi-insurance reduction configuration information and the reduction processing efficiency.

Description

Technical Field

[0001] This disclosure relates to the field of computer technology, and in particular to an insurance data processing method, apparatus, and electronic device. Background Technology

[0002] Reduced coverage refers to an insurance policy where, after the policy has taken effect, the policyholder applies to reduce the sum insured according to the contract and receives the corresponding cash value, while the remaining coverage benefits of the policy remain valid. Since reduced coverage directly alters core benefit indicators such as the sum insured, cash value, and dividend income, policyholders need to clearly understand the specific impact of reduced coverage on these indicators. Therefore, it is necessary to demonstrate the changes in various benefit indicators after reduced coverage to policyholders. However, related technologies suffer from low efficiency in updating benefit indicators, thus requiring an insurance data processing method to meet the need for efficient updating of benefit indicators. Summary of the Invention

[0003] This disclosure provides an insurance data processing method, apparatus, and electronic device to meet the need for efficient updating of benefit indicators.

[0004] According to a first aspect of the present disclosure, an insurance data processing method is provided, comprising: Receive a request from the insured to reduce the coverage for a target type of insurance, the request carrying the reduction application information; Obtain the current target benefit data corresponding to each of the target benefit indicators in the first original insurance policy corresponding to the target insurance type held by the insured; In the preset reduction configuration information corresponding to each of at least one type of insurance, the target reduction configuration information corresponding to the target insurance is determined, and the target reduction configuration information is used to indicate the processing logic information of the indicator data corresponding to each of the at least one target benefit indicator. Based on the reduction application information, the current target benefit data, and the target reduction configuration information, the reduction update process is performed on at least one target benefit indicator in the first original policy corresponding to the target insurance type to obtain the target policy corresponding to the target insurance type.

[0005] According to a second aspect of the present disclosure, an insurance data processing apparatus is provided, comprising: The reduction of coverage request receiving module is used to receive the reduction of coverage request from the insured for the target insurance type, and the reduction of coverage request carries the reduction of coverage application information; The current target benefit data acquisition module is used to acquire the current target benefit data corresponding to each of the target benefit indicators in the first original insurance policy corresponding to the target insurance type held by the insured; The target reduction configuration information determination module is used to determine the target reduction configuration information corresponding to the target insurance type from the preset reduction configuration information corresponding to at least one type of insurance. The target reduction configuration information is used to indicate the processing logic information of the indicator data corresponding to each of the at least one target benefit indicator. The target policy determination module is used to perform reduction update processing on at least one target benefit indicator in the first original policy corresponding to the target insurance type based on the reduction application information, the current target benefit data, and the target reduction configuration information, so as to obtain the target insurance policy corresponding to the target insurance type.

[0006] According to a third aspect of the present disclosure, an electronic device is provided, comprising: a processor; and a memory for storing processor-executable instructions; wherein the processor is configured to execute the instructions to implement the method as described in any one of the first aspects above.

[0007] According to a fourth aspect of the present disclosure, a computer-readable storage medium is provided such that, when instructions in the storage medium are executed by a processor of an electronic device, the electronic device is enabled to perform the method described in any of the first aspects of the present disclosure. According to a fifth aspect of the present disclosure, a computer program product including instructions is provided that, when run on a computer, causes the computer to perform the method described in any of the first aspects of the present disclosure.

[0008] The technical solutions provided by the embodiments of this disclosure have at least the following beneficial effects: The system receives a reduction request from an insured for a target insurance type and obtains the reduction application information carried in the request. It also obtains the current target benefit data of at least one target benefit indicator in the corresponding policy of the target insurance type. By determining the target reduction configuration information of the target insurance type from the preset reduction configuration information corresponding to each insurance type, it ensures that the target processing logic information of at least one target benefit indicator is specifically adapted to the target insurance type, thus realizing the automated identification and flexible adaptation of reduction configuration information for different insurance types. Finally, based on the above reduction application information, current target benefit data, and target reduction configuration information, it performs reduction update processing on at least one target benefit indicator in the first original policy to obtain the target policy. The system can automatically perform reduction update processing on each benefit indicator in the corresponding policy of the insurance type simply by querying the preset reduction configuration information, thereby improving the automated processing efficiency of reduction business.

[0009] It should be understood that the above general description and the following detailed description are exemplary and explanatory only, and are not intended to limit this disclosure. Attached Figure Description

[0010] The accompanying drawings, which are incorporated in and form part of this specification, illustrate embodiments consistent with this disclosure and, together with the description, serve to explain the principles of this disclosure, and are not intended to unduly limit this disclosure.

[0011] Figure 1 This is a schematic diagram illustrating an application environment according to an exemplary embodiment.

[0012] Figure 2(a) is a flowchart illustrating an insurance data processing method according to an exemplary embodiment; Figure 2(b) is a schematic diagram of a page for reducing the coverage corresponding to a target type of insurance, according to an exemplary embodiment; Figure 3 This is a schematic diagram illustrating a process for obtaining a target insurance policy corresponding to a target type of insurance, according to an exemplary embodiment. Figure 4 This is a schematic diagram illustrating another process for obtaining a target insurance policy corresponding to a target type of insurance, according to an exemplary embodiment. Figure 5 This is a schematic diagram illustrating another process for obtaining a target insurance policy corresponding to a target type of insurance, according to an exemplary embodiment. Figure 6 This is a schematic diagram illustrating a process for obtaining the basic candidate insurance policies corresponding to the target insurance type under each candidate reduction of insurance coverage scheme, according to an exemplary embodiment. Figure 7 This is a schematic diagram illustrating a process for obtaining at least one target related insurance policy according to an exemplary embodiment; Figure 8 This is a schematic diagram illustrating a process for feeding back target policy and difference data to the insured according to an exemplary embodiment; Figure 9(a) is a schematic diagram of a data configuration process according to an exemplary embodiment; Figure 9(b) is a schematic diagram illustrating a configuration page corresponding to a current insurance type according to an exemplary embodiment; Figure 10 This is a block diagram of an insurance data processing apparatus according to an exemplary embodiment; Figure 11 This is a block diagram illustrating a data configuration apparatus according to an exemplary embodiment; Figure 12 This is a block diagram illustrating an electronic device for data processing according to an exemplary embodiment. Detailed Implementation

[0013] To enable those skilled in the art to better understand the technical solutions of this disclosure, the technical solutions in the embodiments of this disclosure will be clearly and completely described below with reference to the accompanying drawings.

[0014] It should be noted that the terms "first," "second," etc., used in the specification, claims, and accompanying drawings of this disclosure are used to distinguish similar different contents 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 disclosure described herein can be implemented in orders other than those illustrated or described herein. The embodiments described in the following exemplary embodiments do not represent all embodiments consistent with this disclosure. Rather, they are merely examples of apparatuses and methods consistent with some aspects of this disclosure as detailed in the appended claims.

[0015] It should be noted that the user information (including but not limited to user device information, user personal information, etc.) and data (including but not limited to data used for display, data used for analysis, etc.) involved in this disclosure are all information and data authorized by the user or fully authorized by all parties.

[0016] Please see Figure 1 , Figure 1 This is a schematic diagram illustrating an application environment according to an exemplary embodiment, such as... Figure 1 As shown, the application environment may include terminal 100 and server 200.

[0017] In an optional embodiment, terminal 100 may provide users with services such as resource transfer during the object acquisition process. Specifically, terminal 100 may be, but is not limited to, electronic devices such as smartphones, desktop computers, tablets, laptops, smart speakers, digital assistants, augmented reality (AR) / virtual reality (VR) devices, and smart wearable devices, or software running on the aforementioned electronic devices, such as applications. Optionally, the operating system running on the electronic device may include, but is not limited to, Android, iOS, Linux, and Windows.

[0018] In an optional embodiment, server 200 can provide backend support for terminal 100. Specifically, server 200 can be a standalone physical server, a server cluster or distributed system composed of multiple physical servers, or a cloud server that provides basic cloud computing services such as cloud services, cloud databases, cloud computing, cloud functions, cloud storage, network services, cloud communication, middleware services, domain name services, security services, CDN (Content Delivery Network), and big data and artificial intelligence platforms.

[0019] In addition, it should be noted that, Figure 1The example shown is merely one application environment provided by this disclosure. In practical applications, other application environments may also be included.

[0020] In the embodiments described in this specification, the terminal 100 and the server 200 can be directly or indirectly connected through wired or wireless communication, and this disclosure does not impose any restrictions.

[0021] Figure 2(a) is a flowchart illustrating an insurance data processing method according to an exemplary embodiment. This insurance data processing method is applied in electronic devices such as servers. As shown in Figure 2(a), it includes the following steps: In step S201, a request for reduction of coverage for the target insurance type is received from the insured.

[0022] In one specific embodiment, the reduction request carries reduction application information, including the application reduction time and the requested reduction amount. The application reduction time includes the application start time and application end time. Specifically, the application start time is the time when the insured intends to initiate the reduction operation for the target insurance type. The application end time is the time when the insured intends to end the reduction operation for the target insurance type. The requested reduction amount is the total amount of coverage reduction requested by the insured for the target insurance type.

[0023] Figure 2(b) shows the page for the reduction of coverage corresponding to the target insurance type. "Claim Start" on this page refers to the application start time, "Claim End" refers to the application end time, and "Claim Amount" refers to the amount of coverage reduction requested. The insured can fill in and submit the reduction application information on the page corresponding to the target insurance type within the application, thereby initiating a reduction request for that target insurance type to the system. The system receives and responds to this request in real time through a standardized interface. Optionally, the insured can also select the purpose of the cash value corresponding to the applied reduction amount on this page, i.e., what to do with the cash value after receiving it.

[0024] Specifically, after receiving the application start and end times entered by the insured, the system calculates the maximum amount the insured can receive and displays it on the reduction of coverage function page corresponding to the target insurance type. This allows the insured to clearly understand the upper limit of the reduction amount they can input. The maximum amount to receive is the highest cash value the insured can receive through the reduction of coverage during the period from the application start to the application end, calculated by combining the application start and end times entered by the insured.

[0025] Optionally, calculating the maximum payout amount for the insured may include: first, obtaining the policy's reduction benchmark (the policy value basis used to calculate the reduction ratio), historical reduction amounts (the sum of amounts already received through reduction operations in all past years), minimum retention amount (the minimum amount the policy must retain after reduction), and reduction limit ratio (the agreed-upon maximum percentage that the reduction amount / insured amount cannot exceed per instance or year); dividing the historical reduction amount by the corresponding reduction benchmark to calculate the cumulative reduced share. Simultaneously, dividing the minimum retention amount by the reduction benchmark to calculate the minimum retention share (the minimum equity share the policy must hold). Next, calculating the cumulative share required to receive one yuan during the planned reduction period. Then, subtracting the cumulative reduced share and minimum retention share from the total share (set as 1) to obtain the remaining available reduction share. Dividing the remaining available reduction share by the cumulative share required to receive one yuan yields the theoretical annual reduction amount. The theoretically permissible annual reduction amount is compared with the upper limit calculated by multiplying the reduction benchmark by the reduction limit percentage. The smaller value is taken as the actual reduction amount limit for that year. Finally, the actual reduction amount limits for all reduction years are compared, and the minimum value is taken, rounded down, to obtain the maximum reduction amount.

[0026] It should be noted that the above calculation method for the maximum payout amount is an example. In actual application, the calculation method for the maximum payout amount under each type of insurance needs to be set according to the actual situation of each type of insurance.

[0027] In step S203, the current target benefit data corresponding to each of the at least one target benefit indicator in the first original insurance policy corresponding to the target insurance type held by the insured is obtained.

[0028] In one specific embodiment, at least one target benefit indicator is an indicator in the first original policy that measures policy benefits, and the corresponding current target benefit data is the real-time value recorded in the first original policy when the reduction of coverage application is initiated. Optionally, the first original policy can be pre-stored in a preset database.

[0029] In one specific embodiment, the benefit indicators in the original policies corresponding to different types of insurance are different.

[0030] For example, when the target insurance type is the first type of insurance, at least one target benefit indicator may include indicators such as annual premium, cumulative premium, sum insured, cash value, death benefit, total policy benefits, and special benefit indicators under this type of insurance. Here, the first type of insurance is a life insurance type that does not participate in the insurance company's profit sharing and whose core purpose is to provide personal protection. The special benefit indicators under this insurance are indicators unique to the first type of insurance. Optionally, the special benefit indicators of the first type of insurance can be set according to the liability clauses unique to the first type of insurance.

[0031] When the target insurance type is a second type of insurance, at least one target benefit indicator may include indicators such as annual premium, accumulated premium, sum insured, annuity, cash value, death benefit, total policy benefits, and special benefit indicators under this type of insurance. The second type of insurance is an annuity insurance that does not participate in the insurance company's profit sharing and whose core protection purpose is to pay annuities to the insured at agreed-upon periods. The special benefit indicators under this insurance are unique to the second type of insurance. Optionally, the special benefit indicators for the second type of insurance can be set according to the unique liability clauses of the second type of insurance.

[0032] When the target insurance type is a third type of insurance, at least one target benefit indicator may include annual premium, accumulated premium, sum insured, annuity, cash value, death benefit, total policy benefits, annual dividends, paid-up additional sum insured, cash value corresponding to the paid-up additional sum insured, death benefit corresponding to the paid-up additional sum insured, and special benefit indicators under this type of insurance. The third type of insurance refers to a participating annuity insurance policy that uses dividends to purchase additional coverage of the original insurance and processes dividends using the paid-up additional method. The special benefit indicators under this type of insurance are unique to the third type of insurance. Optionally, the special benefit indicators for the third type of insurance can be set according to the unique liability clauses of the third type of insurance.

[0033] In step S205, the target reduction configuration information corresponding to the target insurance type is determined from the preset reduction configuration information corresponding to at least one type of insurance.

[0034] In one specific embodiment, the target reduction configuration information is used to indicate the processing logic information for the corresponding indicator data of at least one target benefit indicator. The target reduction configuration information is obtained by receiving configuration instructions for the corresponding benefit indicator and / or automatically generated.

[0035] In one specific embodiment, a preset database stores preset reduction configuration information for each type of insurance. When processing a reduction request, the target reduction configuration information for the target type of insurance can be obtained by querying the preset database.

[0036] In step S207, based on the reduction application information, current target benefit data, and target reduction configuration information, at least one target benefit indicator in the first original policy corresponding to the target insurance type is updated to reduce the insurance coverage, thereby obtaining the target policy corresponding to the target insurance type.

[0037] In a specific embodiment, the above-mentioned process of updating at least one target benefit indicator in the first original policy corresponding to the target insurance type based on the reduction application information, current target benefit data, and target reduction configuration information to obtain the target policy corresponding to the target insurance type may include: updating at least one target benefit indicator in the first original policy corresponding to the target insurance type based on the application start time, application end time, application reduction amount, current target benefit data, and target reduction configuration information to obtain the target policy.

[0038] In one specific embodiment, the above method further includes: The target policy will be communicated to the insured.

[0039] In one specific embodiment, the above-mentioned feedback of the target policy to the insured may include: sending the target policy to a preset demonstration system to demonstrate the target policy to the insured.

[0040] In the above embodiments, feeding back the target policy to the insured allows the insured to obtain the benefit data corresponding to the various target benefit indicators after the reduction of coverage in a timely manner, clearly understand the latest rights and interests status of the target insurance, provide a basis for their subsequent reduction of coverage decision, and improve the information transparency and insurance experience of the policy reduction operation.

[0041] In a specific embodiment, when at least one target benefit indicator is the first indicator, the target reduction insurance configuration information is also used to indicate the processing logic information of the indicator data corresponding to the coefficient indicator. The target reduction insurance configuration information includes the first configuration information corresponding to the first indicator and the second configuration information corresponding to the coefficient indicator.

[0042] The first configuration information indicates that the processing logic for the data corresponding to the first indicator is based on the data corresponding to the coefficient indicator. The second configuration information indicates the processing logic for the data corresponding to the coefficient indicator.

[0043] In a specific embodiment, such as Figure 3 As shown, based on the reduction application information, current target benefit data, and target reduction configuration information, the above process updates at least one target benefit indicator in the first original policy corresponding to the target insurance type by reducing the coverage, resulting in the target policy corresponding to the target insurance type including: In step S301, the target reduction coefficient corresponding to the coefficient index is determined based on the reduction application information and the second configuration information.

[0044] In one specific embodiment, the target reduction coefficient characterizes the degree of impact of the current reduction operation on the current target benefit data.

[0045] In a specific embodiment, determining the target reduction coefficient corresponding to the coefficient indicator based on the reduction application information and the second configuration information may include: based on the calculation rules defined in the second configuration information; extracting the data required for calculation from the reduction application information (including the application start time, application end time, and application reduction amount); and then substituting the data into the calculation rules for calculation, the result of which is the target reduction coefficient corresponding to the coefficient indicator.

[0046] Optionally, in practical applications, the calculation logic for the reduction coefficient varies for different types of insurance. Some types of insurance, in addition to using the reduction application information and the second configuration information, also need to combine the current target benefit number to determine the reduction coefficient corresponding to the coefficient indicator.

[0047] In step S303, based on the target reduction coefficient, the current target benefit data, and the first configuration information, the first post-reduction benefit data corresponding to the first indicator is determined.

[0048] In one specific embodiment, the first post-reduction benefit data refers to the data after the reduction of insurance coverage. The indicator data corresponding to the first indicator in the redefined target policy.

[0049] In a specific embodiment, the above-mentioned determination of the first post-insurance reduction benefit data corresponding to the first indicator based on the target insurance reduction coefficient, the current target benefit data, and the first configuration information may include: according to the processing logic information of the first indicator corresponding to the first indicator indicated by the first configuration information, taking the product of the target insurance reduction coefficient and the corresponding current target benefit data as the corresponding first post-insurance reduction benefit data.

[0050] For example, when the target insurance type is the first type of insurance, at least one target benefit indicator may include indicators such as annual premium, accumulated premium, sum insured, cash value, death benefit, total policy benefits, and special benefit indicators under this type of insurance. Annual premium, accumulated premium, sum insured, cash value, death benefit, total policy benefits, and special benefit indicators under this type of insurance can all be first indicators; that is, they can all be obtained by multiplying the target reduction coefficient by the corresponding current target benefit data to obtain the first reduced benefit data for each first indicator. Here, the first type of insurance is a life insurance type that does not participate in the insurance company's dividend distribution and whose core purpose is to provide personal protection. The special benefit indicators under this type of insurance are indicators unique to the first type of insurance. Optionally, the special benefit indicators of the first type of insurance can be set according to the unique liability clauses of the first type of insurance.

[0051] In step S305, based on the first reduced insurance benefit data, at least one target benefit indicator in the first original policy is updated by reducing insurance coverage to obtain the target policy.

[0052] In a specific embodiment, the above-mentioned process of updating at least one target benefit indicator in the first original policy based on the first reduced benefit data to obtain the target policy may include: replacing the current target benefit data corresponding to at least one target benefit indicator in the first original policy with the corresponding first reduced benefit data to obtain the target policy.

[0053] In the above embodiments, by combining the reduction application information and the second configuration information to determine the target reduction coefficient, the impact of the reduction operation on the current target benefit data can be quantified. Using this coefficient in conjunction with the first configuration information, the first post-reduction benefit data corresponding to the first indicator is calculated. Finally, based on the first post-reduction benefit data, the first original policy is updated and the target policy is generated. This not only realizes the automated processing of the reduction business process, but also improves the accuracy and processing efficiency of policy information changes.

[0054] In one specific embodiment, when at least one target benefit indicator is a second indicator, the target reduction and protection configuration information includes third configuration information corresponding to the second indicator. The third configuration information is used to indicate the processing logic information of the indicator data corresponding to the second indicator.

[0055] Optionally, the third configuration information corresponding to each second indicator may differ, that is, the indicator data processing logic information indicated by the third configuration information corresponding to each second indicator may be different.

[0056] For example, when the target insurance type is the first type of insurance, at least one target benefit indicator may include indicators such as annual premium, cumulative premium, sum insured, cash value, death benefit, total policy benefits, and special benefit indicators under that type of insurance. Annual premium, cumulative premium, sum insured, cash value, death benefit, total policy benefits, and special benefit indicators under that type of insurance can all be second indicators. The first type of insurance is a life insurance type that does not participate in the insurance company's profit sharing and whose core purpose is to provide personal protection. The special benefit indicators under this insurance are indicators unique to the first type of insurance. Optionally, the special benefit indicators for the first type of insurance can be set according to the liability clauses unique to the first type of insurance.

[0057] In a specific embodiment, such as Figure 4 As shown, based on the reduction application information, current target benefit data, and target reduction configuration information, the above process updates at least one target benefit indicator in the first original policy corresponding to the target insurance type by reducing the coverage, resulting in the target policy corresponding to the target insurance type including: In step S401, based on the insurance reduction application information, the current target benefit data, and the third configuration information, the second post-insurance reduction benefit data corresponding to the second indicator is determined.

[0058] In a specific embodiment, determining the second post-reduction benefit data corresponding to the second indicator based on the reduction application information, the current target benefit data, and the third configuration information may include: based on the calculation rules defined in the third configuration information; extracting the data required for calculation from the reduction application information (including the application start time, application end time, and the amount of reduction applied for) and the current target benefit data; and then substituting the data into the calculation rules for calculation, the result of which is the second post-reduction benefit data corresponding to each second indicator.

[0059] In step S403, based on the second reduced insurance benefit data, at least one target benefit indicator in the first original policy is updated by reducing insurance coverage to obtain the target policy.

[0060] In a specific embodiment, the above-mentioned process of updating at least one target benefit indicator in the first original policy based on the second reduced benefit data to obtain the target policy may include: replacing the current target benefit data corresponding to at least one target benefit indicator in the first original policy with the corresponding second reduced benefit data to obtain the target policy.

[0061] In the above embodiments, when at least one target benefit indicator is a second indicator, the second post-reduction benefit data corresponding to the second indicator is determined by combining the reduction application information, the current target benefit data, and the third configuration information corresponding to the second indicator in the target reduction configuration information. Based on this, at least one target benefit indicator in the first original policy is updated for reduction, and finally the target policy is generated. This effectively realizes the personalized and precise processing of the second indicator, improves the adaptability and accuracy of reduction processing under different benefit indicators, not only realizes the automated processing of the reduction business process, but also improves the accuracy and processing efficiency of policy information changes.

[0062] In one specific embodiment, when at least one target benefit indicator includes a first indicator and a second indicator, the current target benefit data includes first current benefit data corresponding to the first indicator and second current benefit data corresponding to the second indicator. The target benefit reduction configuration information is further used to indicate the processing logic information for the indicator data corresponding to the coefficient indicator. The target benefit reduction configuration information includes first configuration information corresponding to the first indicator, second configuration information corresponding to the coefficient indicator, and third configuration information corresponding to the second indicator. The first configuration information indicates that the processing logic information for the indicator data corresponding to the first indicator is based on the indicator data corresponding to the coefficient indicator. The second configuration information indicates the processing logic information for the indicator data corresponding to the coefficient indicator. The third configuration information indicates the processing logic information for the indicator data corresponding to the second indicator.

[0063] For example, when the target insurance type is the first type of insurance, at least one target benefit indicator may include indicators such as annual premium, accumulated premium, sum insured, cash value, death benefit, total policy benefits, and special benefit indicators under this insurance. At least one benefit indicator can be the first indicator, and the remaining benefit indicators can be second indicators. The first and second indicators can be set according to actual needs. The first type of insurance is a life insurance type that does not participate in the insurance company's profit sharing and whose core purpose is to provide personal protection. The special benefit indicators under this insurance are indicators unique to the first type of insurance. Optionally, the special benefit indicators of the first type of insurance can be set according to the liability clauses unique to the first type of insurance.

[0064] In a specific embodiment, such as Figure 5 As shown, based on the reduction application information, current target benefit data, and target reduction configuration information, the above process updates at least one target benefit indicator in the first original policy corresponding to the target insurance type by reducing the coverage, resulting in the target policy corresponding to the target insurance type including: In step S501, the target reduction coefficient corresponding to the coefficient index is determined based on the reduction application information and the second configuration information.

[0065] In one specific embodiment, the target reduction coefficient characterizes the degree of impact of the current reduction operation on the first current benefit data.

[0066] In a specific embodiment, the detailed process of determining the target reduction coefficient corresponding to the coefficient indicator based on the reduction application information and the second configuration information can be found in step S301 above, which determines the target reduction coefficient corresponding to the coefficient indicator based on the reduction application information and the second configuration information, and will not be repeated here.

[0067] Optionally, the calculation logic for the reduction coefficient varies for different types of insurance. Some types of insurance, in addition to using the reduction application information and the second configuration information, also need to combine the current target benefit number to determine the reduction coefficient corresponding to the coefficient indicator.

[0068] In step S503, based on the target insurance reduction coefficient, the first current benefit data, and the first configuration information, the first post-insurance reduction benefit data corresponding to the first indicator is determined.

[0069] In a specific embodiment, the detailed process of determining the first post-insurance reduction benefit data corresponding to the first indicator based on the target insurance reduction coefficient, the first current benefit data, and the first configuration information can be found in step S303 above, which determines the first post-insurance reduction benefit data corresponding to the first indicator based on the target insurance reduction coefficient, the current target benefit data, and the first configuration information. This will not be repeated here.

[0070] In step S505, based on the insurance reduction application information, the second current benefit data, and the third configuration information, the second post-insurance reduction benefit data corresponding to the second indicator is determined.

[0071] In a specific embodiment, the detailed process of determining the second post-insurance reduction benefit data corresponding to the second indicator based on the insurance reduction application information, the second current benefit data, and the third configuration information can be found in step S401 above, which determines the second post-insurance reduction benefit data corresponding to the second indicator based on the insurance reduction application information, the current target benefit data, and the third configuration information. This will not be repeated here.

[0072] In step S507, based on the first and second post-insurance benefit data, at least one target benefit indicator in the first original policy is updated by reducing the insured amount to obtain the target policy.

[0073] In a specific embodiment, the above-mentioned reduction of insurance benefit data and second reduction of insurance benefit data to update at least one target benefit indicator in the first original policy to obtain the target policy may include: replacing the first current benefit data corresponding to the first indicator in the first original policy with the corresponding first reduction of insurance benefit data, and replacing the second current benefit data corresponding to the second indicator in the first original policy with the corresponding second reduction of insurance benefit data, to obtain the target policy.

[0074] In the above embodiments, by using multi-dimensional configuration information and target reduction coefficient, the first and second indicators are accurately calculated in the reduction scenario, which improves the automation efficiency of target policy generation and the flexibility of data processing.

[0075] In a specific embodiment, such as Figure 6 As shown, the above-mentioned information on the application for reduction of insurance coverage includes the application time and the amount of reduction requested. The above-mentioned methods also include: In step S601, at least one candidate reduction scheme is determined based on the application time information and the application amount for reduction.

[0076] In one specific embodiment, the application reduction time information includes the application start time and application end time. Specifically, the application start time is the time when the insured wishes to initiate the reduction of coverage for the target insurance type. The application end time is the time when the insured wishes to conclude the reduction of coverage for the target insurance type. The requested reduction amount is the total amount of coverage reduction requested by the insured for the target insurance type.

[0077] In one specific embodiment, at least one candidate reduction scheme is a different reduction scheme for receiving the applied reduction amount under different reduction start times and / or different reduction end times.

[0078] In a specific embodiment, determining at least one candidate reduction scheme based on the application reduction time information and the application reduction amount may include: generating at least one candidate reduction scheme with differences in time distribution mode and amount allocation method by configuring different time node arrangements and amount allocation rules based on the application start time, application end time and application reduction amount.

[0079] In step S603, for each candidate reduction of insurance coverage scheme, based on the reduction of insurance coverage time information, reduction of insurance coverage amount, current target benefit data and target reduction of insurance coverage configuration information in the corresponding candidate reduction of insurance coverage scheme, at least one target benefit indicator in the first original policy is updated by reducing insurance coverage to obtain the basic candidate policy corresponding to the target insurance type under each candidate reduction of insurance coverage scheme.

[0080] In a specific embodiment, for each candidate reduction of insurance premium scheme, based on the reduction of insurance premium time information, reduction of insurance premium amount, current target benefit data and target reduction of insurance premium configuration information in the corresponding candidate reduction of insurance premium scheme, at least one target benefit indicator in the first original policy is updated by reducing insurance premium, so as to obtain the specific details of the basic candidate policy corresponding to the target insurance type under each candidate reduction of insurance premium scheme. See step S207 above, based on the reduction of insurance premium application information, current target benefit data and target reduction of insurance premium configuration information, at least one target benefit indicator in the first original policy corresponding to the target insurance type is updated by reducing insurance premium, so as to obtain the target policy corresponding to the target insurance type. This will not be repeated here.

[0081] In a specific embodiment, the above-mentioned feedback of the target policy to the insured may include: feeding back the target policy and the basic candidate policies corresponding to the target insurance type under each candidate reduction of premium scheme to the insured.

[0082] In the above embodiments, multiple candidate reduction schemes with different combinations of time and amount are generated based on the application reduction time information and the application reduction amount, providing policyholders with a flexible and diverse strategy selection space; then, the basic candidate insurance policies corresponding to the target insurance type under each candidate reduction scheme are determined, so that policyholders can intuitively and comprehensively compare the insurance policies corresponding to different reduction schemes, and assist them in making the optimal reduction decision.

[0083] In one specific embodiment, the above method further includes: Based on basic candidate policies and preset screening information, a target candidate reduction plan is determined from at least one candidate reduction plan.

[0084] In one specific embodiment, preset screening information is used to analyze the merits of at least one candidate insurance reduction scheme based on at least one insurance analysis indicator. The preset screening information may include at least one insurance analysis indicator, the weights corresponding to each of the at least one insurance analysis indicator, and the scoring rules corresponding to each of the at least one insurance analysis indicator. The scoring rules include the benefit indicators in the underlying candidate policies to be examined for the corresponding insurance analysis indicator, and a method for determining the value of the corresponding insurance analysis indicator based on the indicator data corresponding to the benefit indicators.

[0085] For example, insurance analysis metrics may include at least one metric such as internal rate of return (IRR), protection retention rate, or cash value volatility. Specifically, the IRR measures the annualized compound rate of return achievable with the remaining funds of the policy under a reduction in coverage. The protection retention rate is the percentage of the remaining effective sum assured after the reduction in coverage relative to the original sum assured. Cash value volatility is used to quantify the stability or magnitude of change in the policy's cash value during the reduction in coverage process.

[0086] In a specific embodiment, determining the target candidate reduction scheme from at least one candidate reduction scheme based on basic candidate policies and preset screening information may include: calculating the values ​​corresponding to each insurance analysis indicator of each basic candidate policy based on the benefit data results corresponding to at least one target benefit indicator recorded in the basic candidate policy corresponding to each candidate reduction scheme and the scoring rules corresponding to each of the at least one insurance analysis indicator defined in the preset screening information; then, calculating a comprehensive score by weighting the values ​​corresponding to each insurance analysis indicator of each basic candidate policy based on the weights corresponding to each insurance analysis indicator defined in the preset screening information; and finally selecting the scheme with the highest score as the target candidate reduction scheme.

[0087] In a specific embodiment, the above-mentioned feedback of the target policy and the basic candidate policies corresponding to the target insurance type under each candidate reduction of insurance coverage to the insured may include: feeding back the target policy and the target candidate policies corresponding to the target candidate reduction of insurance coverage to the insured.

[0088] In the above embodiments, the optimal target candidate reduction plan is automatically selected from at least one candidate reduction plan, which effectively improves the scientific nature and efficiency of decision-making and significantly enhances the policyholder's decision-making experience and protection effect.

[0089] In a specific embodiment, such as Figure 7 As shown, the above method also includes: In step S701, at least one target-related insurance type is identified.

[0090] In one specific embodiment, at least one target associated insurance type is an insurance type held by the insured that has a target associated relationship with the target insurance type, and the target associated relationship is at least any one of a variety of preset associated relationships.

[0091] For example, various pre-defined relationships may include at least two types of relationships, such as primary and supplementary insurance subordinate relationships, combined insurance binding relationships, and rights-linked relationships, as well as the related benefit indicators that need to be adjusted synchronously in the original policies corresponding to the affected insurance types in each relationship. Specifically, a primary and supplementary insurance subordinate relationship means that the target insurance type is the primary insurance, and the target related insurance type is a supplementary insurance that complements the primary insurance; the two have a subordinate binding relationship in terms of insurance coverage and protection. A combined insurance binding relationship means that the target insurance type and the target related insurance type are a fixed combination of insurance types agreed upon at the time of insurance, which need to be insured simultaneously, and their rights are mutually bound. A rights-linked relationship means that there is a rights-linked relationship of shared benefits and complementary responsibilities between the target insurance type and the target related insurance type; changes in the protection rights of one party will directly affect the other party.

[0092] In step S703, the current related benefit data corresponding to each of the at least one related benefit indicator in the second original policy corresponding to the target related insurance type held by the insured is obtained.

[0093] In one specific embodiment, at least one related benefit indicator refers to a related benefit indicator in the second original policy that matches the target relationship between the target insurance type and the target related insurance type and is affected by the reduction of the coverage of the target insurance type.

[0094] In step S705, based on the target correlation and preset cross-policy linkage information, the target indicator adjustment information for the corresponding related insurance types is determined.

[0095] In a specific embodiment, the preset cross-policy linkage information represents the correspondence between the preset reduced insurance type and the different association relationships between the preset reduced insurance type and at least one preset associated insurance type, and the different preset indicator adjustment information applicable to the associated benefit indicators in the third original policy corresponding to the preset associated insurance type.

[0096] Specifically, the preset indicator adjustment information is used to instruct the processing logic of the corresponding related benefit indicators. The preset indicator adjustment information is pre-set based on the relationship between preset insurance reduction types and preset related insurance types.

[0097] In step S707, for at least one target related insurance type, based on the target policy, the reduction application information, the current related benefit data, and the target indicator adjustment information, the reduction update process is performed on at least one related benefit indicator in the corresponding second original policy to obtain the corresponding related policies for each of the at least one target related insurance type.

[0098] In a specific embodiment, the above-mentioned process of updating at least one related benefit indicator in the corresponding second original policy for at least one target related insurance type, based on the target policy, reduction application information, current related benefit data, and target indicator adjustment information, to obtain the corresponding related policies for each of the at least one target related insurance type, may include: for at least one target related insurance type, based on the calculation rules defined in the target indicator adjustment information; extracting the data required for calculation from the target policy, reduction application information (including application start time, application end time, and application reduction amount), and current related benefit data; subsequently, substituting the data into the calculation rules for calculation, and obtaining the calculation result as the adjusted benefit data corresponding to each related benefit indicator; replacing the current related benefit data corresponding to each related benefit indicator in the second original policy with the corresponding adjusted benefit data to obtain the corresponding related policies for each target related insurance type.

[0099] In a specific embodiment, the above-mentioned feedback of the target policy to the insured may include: feeding back the target policy and the corresponding associated policies of at least one target related insurance type to the insured.

[0100] In the above embodiments, by generating corresponding related policies for at least one target-related insurance type held by the insured and having a target-related relationship with the target insurance type, it is possible to achieve cross-policy linkage and adaptation between the reduction of the target insurance type and the adjustment of the rights and interests of the related insurance types. This allows the rights and interests status of the related insurance types to be matched synchronously with the reduction of the target insurance type, fully reflecting the chain effect of the reduction operation on the overall policy portfolio, avoiding the risk of overall rights and interests damage caused by a single reduction operation, and improving the scientificity, accuracy and completeness of the entire reduction process.

[0101] In a specific embodiment, such as Figure 8 As shown, the above method also includes: In step S801, the difference data corresponding to each of the at least one target benefit indicator is determined.

[0102] In one specific embodiment, the difference data is the difference between the current target benefit data of the corresponding target benefit indicator in the first original policy and the reduced benefit data in the target policy.

[0103] In one specific embodiment, the above-mentioned feedback of the target policy to the insured includes: In step S803, the target policy and difference data are fed back to the insured.

[0104] In the above embodiments, by calculating and feeding back the specific differences in each target benefit indicator before and after the reduction of insurance coverage, the clarity of the results is enhanced, thereby effectively assisting the insured to accurately assess the actual impact of the reduction of insurance coverage, improving decision-making efficiency and the user's experience with the reduction of insurance coverage.

[0105] Figure 9(a) is a flowchart illustrating a data configuration method according to an exemplary embodiment. This insurance data processing method is applied in electronic devices such as servers. As shown in Figure 9(a), it includes the following steps: In step S901, in response to the configuration instruction for the selected benefit indicator in the configuration page corresponding to the current insurance type, the selected benefit indicator is determined as the target benefit indicator under the corresponding insurance type.

[0106] In one specific embodiment, the selected benefit indicator is at least one of at least one preset benefit indicator in the configuration page corresponding to the current insurance type.

[0107] The configuration page shown in Figure 9(b) is a functional interface for configuring the visual reduction of coverage information for the current insurance type. This page includes at least one preset benefit indicator. This preset benefit indicator includes, but is not limited to, the benefit indicator shown in Figure 9(b).

[0108] In step S903, in response to the configuration instruction in the configuration page for selecting the processing logic information corresponding to the target benefit indicator, the selected processing logic information is determined as the target processing logic information corresponding to the target benefit indicator.

[0109] In one specific embodiment, the configuration page also includes at least one preset processing logic information. For a determined target benefit indicator, the configuration personnel can select one of the at least one preset processing logic information and set it as the target processing logic information corresponding to the target benefit indicator. At the same time, the configuration personnel can also customize the input processing logic information according to actual business needs, and use it as the target processing logic information corresponding to the target benefit indicator.

[0110] Optionally, if the configuration personnel have not performed the relevant configuration operations for the processing logic information of the identified target benefit indicator, the system will automatically complete the configuration of the processing logic information for the target benefit indicator according to the preset logic information completion rules. The preset logic completion rules include processing logic information common to all benefit indicators.

[0111] In step S905, target reduction configuration information for the current insurance type is generated based on target benefit indicators and target processing logic information.

[0112] In a specific embodiment, the target reduction configuration information for the current insurance type needs to be stored in a preset database so that the server performing the data processing can obtain the target reduction configuration information.

[0113] In the above embodiments, the target benefit indicators and target processing logic information corresponding to the target benefit indicators of the current insurance type are determined by responding to the configuration instructions, thereby generating the target reduction configuration information of the current insurance type. This realizes the visualization, on-demand customization and one-click generation of reduction rules, reduces the technical threshold for configuring reduction rules for different insurance types, and improves the flexibility and convenience of configuration.

[0114] Figure 10 This is a block diagram of an insurance data processing apparatus according to an exemplary embodiment. (Refer to...) Figure 10 The device includes: The reduction of coverage request receiving module 1010 is used to receive the reduction of coverage request from the insured for the target insurance type. The reduction of coverage request carries the reduction of coverage application information. The current target benefit data acquisition module 1020 is used to acquire the current target benefit data corresponding to at least one target benefit indicator in the first original insurance policy corresponding to the target insurance type held by the insured; The target reduction configuration information determination module 1030 is used to determine the target reduction configuration information corresponding to the target insurance type from the preset reduction configuration information corresponding to at least one type of insurance. The target reduction configuration information is used to indicate the processing logic information of the indicator data corresponding to at least one target benefit indicator. The target policy determination module 1040 is used to perform reduction update processing on at least one target benefit indicator in the first original policy corresponding to the target insurance type based on the reduction application information, current target benefit data and target reduction configuration information, so as to obtain the target insurance policy corresponding to the target insurance type.

[0115] In an optional embodiment, when at least one target benefit indicator is a first indicator, the target reduction policy configuration information is further used to indicate the processing logic information of the indicator data corresponding to the coefficient indicator. The target reduction policy configuration information includes first configuration information corresponding to the first indicator and second configuration information corresponding to the coefficient indicator. The first configuration information is used to indicate that the corresponding first indicator is processed based on the indicator data corresponding to the coefficient indicator. The target policy determination module 1040 includes: The first unit for determining the target reduction coefficient is used to determine the target reduction coefficient corresponding to the coefficient indicator based on the reduction application information and the second configuration information; the target reduction coefficient represents the degree of impact of the current reduction operation on the current target benefit data. The first unit for determining the benefit data after the reduction of insurance premium is used to determine the first benefit data after the reduction of insurance premium corresponding to the first indicator based on the target reduction coefficient, the current target benefit data, and the first configuration information. The first target policy determination unit is used to perform a reduction update process on at least one target benefit indicator in the first original policy based on the first reduced benefit data, so as to obtain the target policy.

[0116] In an optional embodiment, when at least one target benefit indicator is a second indicator, the target reduction policy configuration information includes third configuration information corresponding to the second indicator; the target policy determination module 1040 includes: The second unit for determining the benefit data after the reduction of insurance coverage is used to determine the second benefit data after the reduction of insurance coverage corresponding to the second indicator based on the information on the application for the reduction of insurance coverage, the current target benefit data, and the third configuration information. The second target policy determination unit is used to perform a reduction update process on at least one target benefit indicator in the first original policy based on the second reduced benefit data to obtain the target policy.

[0117] In an optional embodiment, when at least one target benefit indicator includes a first indicator and a second indicator, the current target benefit data includes first current benefit data corresponding to the first indicator and second current benefit data corresponding to the second indicator. The target reduction policy configuration information is further used to indicate the processing logic information of the indicator data corresponding to the coefficient indicator. The target reduction policy configuration information includes first configuration information corresponding to the first indicator, second configuration information corresponding to the coefficient indicator, and third configuration information corresponding to the second indicator. The first configuration information is used to indicate that the corresponding first indicator is processed based on the indicator data corresponding to the coefficient indicator. The target policy determination module 1040 includes: The second unit for determining the target reduction coefficient is used to determine the target reduction coefficient corresponding to the coefficient indicator based on the reduction application information and the second configuration information; the target reduction coefficient represents the degree of impact of the current reduction operation on the first current benefit data; The third unit for determining the benefit data after the reduction of insurance premium is used to determine the first benefit data after the reduction of insurance premium corresponding to the first indicator based on the target reduction coefficient, the first current benefit data, and the first configuration information. The fourth unit for determining the benefit data after the reduction of insurance coverage is used to determine the second benefit data after the reduction of insurance coverage corresponding to the second indicator based on the application information for the reduction of insurance coverage, the second current benefit data, and the third configuration information. The third target policy determination unit is used to perform a reduction update process on at least one target benefit indicator in the first original policy based on the first and second post-reduction benefit data to obtain the target policy.

[0118] In an optional embodiment, the insurance reduction application information includes the application time information and the application amount for insurance reduction, and the above-mentioned device further includes: The candidate reduction scheme generation module is used to determine at least one candidate reduction scheme based on the application reduction time information and the application reduction amount. The at least one candidate reduction scheme is a different reduction scheme for receiving the application reduction amount under different reduction start times and / or different reduction end times. The basic candidate policy determination module is used to update at least one target benefit indicator in the first original policy based on the reduction time information, reduction amount, current target benefit data and target reduction configuration information in the corresponding candidate reduction plan for each candidate reduction plan, so as to obtain the basic candidate policy corresponding to the target insurance type under each candidate reduction plan.

[0119] In an optional embodiment, the above-described apparatus further includes: The target candidate reduction plan determination module is used to determine the target candidate reduction plan from at least one candidate reduction plan based on the basic candidate policies and preset screening information. The preset screening information is used to analyze the advantages and disadvantages of at least one candidate reduction plan based on at least one insurance analysis indicator.

[0120] In an optional embodiment, the above-described apparatus further includes: The target-related insurance type identification module is used to identify at least one target-related insurance type. The at least one target-related insurance type is an insurance type held by the insured that has a target-related relationship with the target insurance type. The target-related relationship is at least any one of a variety of preset relationships. The current related interest data acquisition module is used to acquire the current related interest data corresponding to each of the at least one related interest indicator in the second original policy corresponding to the target related insurance type held by the insured; The target indicator adjustment information determination module is used to determine the target indicator adjustment information of the corresponding related insurance types based on the target correlation and the preset cross-policy linkage information. The preset cross-policy linkage information represents the different correlation between the preset insurance reduction type and the preset insurance reduction type corresponding to at least one preset related insurance type, and the correspondence between the different preset indicator adjustment information applicable to the related benefit indicators in the third original policy corresponding to the preset related insurance type. The associated policy determination module is used to perform a reduction update process on at least one associated benefit indicator in the corresponding second original policy for at least one target associated insurance type, based on the target policy, reduction application information, current associated benefit data, and target indicator adjustment information, so as to obtain the corresponding associated policies for each of the at least one target associated insurance type.

[0121] In an optional embodiment, the above-described apparatus further includes: The feedback module is used to send the target policy back to the insured.

[0122] In an optional embodiment, the above-described apparatus further includes: The difference data determination module is used to determine the difference data corresponding to each of at least one target benefit indicator. The difference data is the difference between the current target benefit data of the corresponding target benefit indicator in the first original policy and the benefit data after the reduction of insurance in the target policy. The above feedback module includes: The feedback unit is used to send the target policy and discrepancy data back to the insured.

[0123] Figure 11 This is a block diagram illustrating a data configuration apparatus according to an exemplary embodiment. (Refer to...) Figure 11 The device includes: The target benefit indicator determination module 1110 is used to respond to the configuration command for the selected benefit indicator in the configuration page corresponding to the current insurance type, and to determine the selected benefit indicator as the target benefit indicator under the corresponding insurance type.

[0124] The target processing logic information determination module 1120 is used to determine the selected processing logic information as the target processing logic information corresponding to the target benefit indicator in response to the configuration instruction for selecting the processing logic information corresponding to the target benefit indicator in the configuration page.

[0125] The target reduction of insurance coverage configuration information generation module 1130 is used to generate target reduction of insurance coverage configuration information for the current insurance type based on target benefit indicators and target processing logic information.

[0126] Figure 12 This is a block diagram illustrating an electronic device for insurance data processing according to an exemplary embodiment. The electronic device may be a server, and its internal structure diagram may be as follows: Figure 12As shown, the electronic device includes a processor, memory, network interface, display screen, and input devices connected via a system bus. The processor provides computing and control capabilities. The memory includes a non-volatile storage medium and internal memory. The non-volatile storage medium stores the operating system and computer programs. The internal memory provides an environment for the operation of the operating system and computer programs stored in the non-volatile storage medium. The network interface is used to communicate with external terminals via a network connection. When the computer program is executed by the processor, it implements a secure data processing method. The display screen can be a liquid crystal display (LCD) or an e-ink display. The input devices can be a touch layer covering the display screen, buttons, a trackball, or a touchpad mounted on the device's casing, or an external keyboard, touchpad, or mouse.

[0127] Those skilled in the art will understand that Figure 12 The structure shown is merely a block diagram of a portion of the structure related to the present disclosure and does not constitute a limitation on the electronic device to which the present disclosure is applied. A specific electronic device may include more or fewer components than those shown in the figure, or combine certain components, or have different component arrangements. In an exemplary embodiment, an electronic device is also provided, including: a processor; and a memory for storing processor-executable instructions; wherein the processor is configured to execute the instructions to implement the insurance data processing method as described in the embodiments of this disclosure.

[0128] In an exemplary embodiment, a computer-readable storage medium is also provided, wherein when the instructions in the storage medium are executed by a processor of an electronic device, the electronic device is enabled to perform the insurance data processing method of the present disclosure embodiments.

[0129] In an exemplary embodiment, a computer program product including instructions is also provided, which, when run on a computer, causes the computer to perform the insurance data processing method of the present disclosure embodiments.

[0130] Those skilled in the art will understand that all or part of the processes in the methods of the above embodiments can be implemented by a computer program instructing related hardware. This computer program can be stored in a non-volatile computer-readable storage medium. When executed, the computer program can include the processes of the embodiments of the above methods. Any references to memory, storage, databases, or other media used in the embodiments provided in this application can include non-volatile and / or volatile memory. Non-volatile memory can include read-only memory (ROM), programmable ROM (PROM), electrically programmable ROM (EPROM), electrically erasable programmable ROM (EEPROM), or flash memory. Volatile memory can include random access memory (RAM) or external cache memory. By way of illustration and not limitation, RAM is available in various forms, such as static RAM (SRAM), dynamic RAM (DRAM), synchronous DRAM (SDRAM), dual data rate SDRAM (DDRSDRAM), enhanced SDRAM (ESDRAM), synchronous link DRAM (SLDRAM), RAMbus direct RAM (RDRAM), direct memory bus dynamic RAM (DRDRAM), and RAMbus dynamic RAM (RDRAM), etc.

[0131] Other embodiments of this disclosure will readily occur to those skilled in the art upon consideration of the specification and practice of the invention disclosed herein. This application is intended to cover any variations, uses, or adaptations of this disclosure that follow the general principles of this disclosure and include common knowledge or customary techniques in the art not disclosed herein. The specification and examples are to be considered exemplary only, and the true scope and spirit of this disclosure are indicated by the following claims.

[0132] It should be understood that this disclosure is not limited to the precise structures described above and shown in the accompanying drawings, and various modifications and changes can be made without departing from its scope. The scope of this disclosure is limited only by the appended claims.

Claims

1. An insurance data processing method, characterized in that, The method includes: Receive a request from the insured to reduce the coverage for a target type of insurance, the request carrying the reduction application information; Obtain the current target benefit data corresponding to each of the target benefit indicators in the first original insurance policy corresponding to the target insurance type held by the insured; In the preset reduction configuration information corresponding to each of at least one type of insurance, the target reduction configuration information corresponding to the target insurance is determined, and the target reduction configuration information is used to indicate the processing logic information of the indicator data corresponding to each of the at least one target benefit indicator. Based on the reduction application information, the current target benefit data, and the target reduction configuration information, the reduction update process is performed on at least one target benefit indicator in the first original policy corresponding to the target insurance type to obtain the target policy corresponding to the target insurance type.

2. The method according to claim 1, characterized in that, When the at least one target benefit indicator is a first indicator, the target reduction configuration information is further used to indicate the processing logic information of the indicator data corresponding to the coefficient indicator. The target reduction configuration information includes first configuration information corresponding to the first indicator and second configuration information corresponding to the coefficient indicator. The first configuration information is used to indicate the processing of the corresponding first indicator based on the indicator data corresponding to the coefficient indicator. Based on the reduction application information, the current target benefit data, and the target reduction configuration information, the reduction update process is performed on at least one target benefit indicator in the first original policy corresponding to the target insurance type to obtain the target policy corresponding to the target insurance type, including: Based on the insurance reduction application information and the second configuration information, the target insurance reduction coefficient corresponding to the coefficient indicator is determined; the target insurance reduction coefficient represents the degree of impact of the current insurance reduction operation on the current target benefit data; Based on the target insurance reduction coefficient, the current target benefit data, and the first configuration information, determine the first post-insurance reduction benefit data corresponding to the first indicator; Based on the first reduced insurance benefit data, the at least one target benefit indicator in the first original policy is updated by reducing insurance coverage to obtain the target policy.

3. The method according to claim 1, characterized in that, When the at least one target benefit indicator is a second indicator, the target reduction configuration information includes third configuration information corresponding to the second indicator; Based on the reduction application information, the current target benefit data, and the target reduction configuration information, the reduction update process is performed on at least one target benefit indicator in the first original policy corresponding to the target insurance type to obtain the target policy corresponding to the target insurance type, including: Based on the insurance reduction application information, the current target benefit data, and the third configuration information, determine the second post-insurance reduction benefit data corresponding to the second indicator; Based on the second reduced insurance benefit data, the at least one target benefit indicator in the first original policy is updated by reducing insurance coverage to obtain the target policy.

4. The method according to claim 1, characterized in that, When the at least one target benefit indicator includes a first indicator and a second indicator, the current target benefit data includes first current benefit data corresponding to the first indicator and second current benefit data corresponding to the second indicator. The target reduction protection configuration information is also used to indicate the processing logic information of the indicator data corresponding to the coefficient indicator. The target reduction protection configuration information includes first configuration information corresponding to the first indicator, second configuration information corresponding to the coefficient indicator, and third configuration information corresponding to the second indicator. The first configuration information is used to indicate that the corresponding first indicator is processed based on the indicator data corresponding to the coefficient indicator. Based on the reduction application information, the current target benefit data, and the target reduction configuration information, the reduction update process is performed on at least one target benefit indicator in the first original policy corresponding to the target insurance type to obtain the target policy corresponding to the target insurance type, including: Based on the insurance reduction application information and the second configuration information, a target insurance reduction coefficient corresponding to the coefficient indicator is determined; the target insurance reduction coefficient represents the degree of impact of the current insurance reduction operation on the first current benefit data; Based on the target insurance reduction coefficient, the first current benefit data, and the first configuration information, determine the first post-insurance reduction benefit data corresponding to the first indicator; Based on the insurance reduction application information, the second current benefit data, and the third configuration information, determine the second post-insurance reduction benefit data corresponding to the second indicator; Based on the first and second post-reduction benefit data, the at least one target benefit indicator in the first original policy is updated by reducing the coverage to obtain the target policy.

5. The method according to claim 1, characterized in that, The information regarding the reduction of coverage application includes the application time and the amount of coverage reduction requested. The method further includes: Based on the application reduction time information and the application reduction amount, at least one candidate reduction scheme is determined. The at least one candidate reduction scheme is a different reduction scheme for receiving the application reduction amount under different reduction start times and / or different reduction end times. For each candidate reduction of insurance coverage scheme, based on the reduction of insurance coverage time information, reduction of insurance coverage amount, current target benefit data and target reduction of insurance coverage configuration information in the corresponding candidate reduction of insurance coverage scheme, the at least one target benefit indicator in the first original policy is updated by reducing insurance coverage to obtain the basic candidate policy corresponding to the target insurance type under each candidate reduction of insurance coverage scheme.

6. The method according to claim 5, characterized in that, The method further includes: Based on the basic candidate policies and the preset screening information, a target candidate reduction plan is determined from the at least one candidate reduction plan. The preset screening information is used to analyze the advantages and disadvantages of the at least one candidate reduction plan based on at least one insurance analysis indicator.

7. The method according to claim 1, characterized in that, The method further includes: Identify at least one target-related insurance type, wherein the at least one target-related insurance type is an insurance type held by the insured that has a target-related relationship with the target insurance type, and the target-related relationship is at least any one of a plurality of preset relationships; Obtain the current related benefit data corresponding to each of the at least one related benefit indicator in the second original policy corresponding to the target related insurance type held by the insured; Based on the target association and the preset cross-policy linkage information, target indicator adjustment information for the corresponding related insurance types is determined. The preset cross-policy linkage information represents the correspondence between the different associations between the preset insurance reduction type and at least one preset related insurance type corresponding to the preset insurance reduction type, and the different preset indicator adjustment information applicable to the related benefit indicators in the third original policy corresponding to the preset related insurance type. For the at least one target related insurance type, based on the target policy, the reduction application information, the current related benefit data, and the target indicator adjustment information, the at least one related benefit indicator in the corresponding second original policy is updated by reducing the coverage to obtain the corresponding related policies for each of the at least one target related insurance type.

8. The method according to claim 1, characterized in that, The method further includes: The target policy is then fed back to the insured.

9. The method according to claim 8, characterized in that, The method further includes: Determine the difference data corresponding to each of the at least one target benefit indicator, wherein the difference data is the difference between the current target benefit data of the corresponding target benefit indicator in the first original policy and the benefit data after the reduction of insurance premium in the target policy; The step of sending the target policy back to the insured includes: The target policy and the difference data are fed back to the insured.

10. The method according to claim 1, characterized in that, The target reduction and protection configuration information is obtained by receiving configuration instructions for the corresponding benefit indicators and / or automatically generated.

11. An insurance data processing device, characterized in that, include: The reduction of coverage request receiving module is used to receive the reduction of coverage request from the insured for the target insurance type, and the reduction of coverage request carries the reduction of coverage application information; The current target benefit data acquisition module is used to acquire the current target benefit data corresponding to each of the target benefit indicators in the first original insurance policy corresponding to the target insurance type held by the insured; The target reduction configuration information determination module is used to determine the target reduction configuration information corresponding to the target insurance type from the preset reduction configuration information corresponding to at least one type of insurance. The target reduction configuration information is used to indicate the processing logic information of the indicator data corresponding to each of the at least one target benefit indicator. The target policy determination module is used to perform reduction update processing on at least one target benefit indicator in the first original policy corresponding to the target insurance type based on the reduction application information, the current target benefit data, and the target reduction configuration information, so as to obtain the target insurance policy corresponding to the target insurance type.

12. An electronic device, characterized in that, include: processor; Memory used to store the processor's executable instructions; The processor is configured to execute the instructions to implement the insurance data processing method as described in any one of claims 1 to 10.

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