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1. (WO2019041764) GROUP INSURANCE PREMIUM ESTIMATION METHOD AND APPARATUS, COMPUTER DEVICE AND STORAGE MEDIUM
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Pub. No.: WO/2019/041764 International Application No.: PCT/CN2018/076823
Publication Date: 07.03.2019 International Filing Date: 14.02.2018
IPC:
G06Q 30/02 (2012.01) ,G06Q 40/08 (2012.01)
G PHYSICS
06
COMPUTING; CALCULATING; COUNTING
Q
DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
30
Commerce, e.g. shopping or e-commerce
02
Marketing, e.g. market research and analysis, surveying, promotions, advertising, buyer profiling, customer management or rewards; Price estimation or determination
G PHYSICS
06
COMPUTING; CALCULATING; COUNTING
Q
DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
40
Finance; Insurance; Tax strategies; Processing of corporate or income taxes
08
Insurance, e.g. risk analysis or pensions
Applicants:
平安科技(深圳)有限公司 PING AN TECHNOLOGY (SHENZHEN) CO., LTD. [CN/CN]; 中国广东省深圳市 福田区八卦岭八卦三路平安大厦六楼 6F, Ping An Building, Bagua 3rd Road, Bagualing, Futian District Shenzhen, Guangdong 518052, CN
Inventors:
丁杰 DING, Jie; CN
李斌 LI, Bin; CN
陈杰 CHEN, Jie; CN
邵正铂 SHAO, Zhengbo; CN
马向东 MA, Xiangdong; CN
张捷 ZHANG, Jie; CN
Agent:
广州华进联合专利商标代理有限公司 ADVANCE CHINA IP LAW OFFICE; 中国广东省广州市天河区珠江东路6号4501房 (部位:自编01-03和08-12单元)(仅限办公用途) Room 4501, No. 6 Zhujiang East Road, Tianhe District, Guangzhou Guangdong 510623, CN
Priority Data:
201710752038.828.08.2017CN
Title (EN) GROUP INSURANCE PREMIUM ESTIMATION METHOD AND APPARATUS, COMPUTER DEVICE AND STORAGE MEDIUM
(FR) PROCÉDÉ ET APPAREIL D'ESTIMATION DE PRIME D'ASSURANCE COLLECTIVE, DISPOSITIF INFORMATIQUE ET SUPPORT D'INFORMATIONS
(ZH) 团体保费评估的方法、装置、计算机设备及存储介质
Abstract:
(EN) The present application provides a group insurance premium estimation method, comprising: acquiring, from a database, a target insurance plan of which the insurance premium is to be estimated; extracting, from the target insurance plan, an insurance factor influencing the insurance premium price; searching, according to the insurance factor, for a set of historical insurance plans matching the target insurance plan; acquiring the insurance premium price corresponding to each of the insurance plans in the set of historical insurance plans; determining, according to the acquired insurance premium prices corresponding to the respective historical insurance plans, an initial price range corresponding to the target insurance plan; acquiring a total insurance premium achieved during the previous cycle, determining a corresponding adjustment factor according to the total insurance premium; determining, according to the adjustment factor and the initial price range, an insurance premium price range corresponding to the target insurance plan.
(FR) La présente invention concerne un procédé d'estimation de prime d'assurance collective, comprenant : l'acquisition, à partir d'une base de données, d'un plan d'assurance cible dont la prime d'assurance doit être estimée; l'extraction, à partir du plan d'assurance cible, d'un facteur d'assurance influençant le montant de prime d'assurance; la recherche, selon le facteur d'assurance, d'un ensemble de plans d'assurance historiques correspondant au plan d'assurance cible; l'acquisition du montant de prime d'assurance correspondant à chacun des plans d'assurance dans l'ensemble de plans d'assurance historiques; la détermination, en fonction des montants de prime d'assurance acquis correspondant aux plans d'assurance historiques respectifs, d'une plage de montants initiaux correspondant au plan d'assurance cible; l'acquisition d'une prime d'assurance totale, obtenue pendant le cycle précédent, la détermination d'un facteur de réglage correspondant en fonction de la prime d'assurance totale; la détermination, en fonction du facteur de réglage et de la plage de montants initiaux, d'une plage de montants de prime d'assurance correspondant au plan d'assurance cible.
(ZH) 本申请提出了一种团体保费评估的方法,包括:从数据库中获取待评估保费的目标投保方案,提取目标投保方案中影响保费价格的投保因素,根据投保因素查找与目标投保方案匹配的历史投保方案集,获取历史投保方案集中各个投保方案对应的保费价格,根据获取到的各个投保方案对应的保费价格确定目标投保方案对应的初始价格区间,获取上一周期完成的保费总额,根据保费总额确定相应的调整因子,根据调整因子和初始价格区间确定与目标投保方案对应的保费价格区间。
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Designated States: AE, AG, AL, AM, AO, AT, AU, AZ, BA, BB, BG, BH, BN, BR, BW, BY, BZ, CA, CH, CL, CN, CO, CR, CU, CZ, DE, DJ, DK, DM, DO, DZ, EC, EE, EG, ES, FI, GB, GD, GE, GH, GM, GT, HN, HR, HU, ID, IL, IN, IR, IS, JO, JP, KE, KG, KH, KN, KP, KR, KW, KZ, LA, LC, LK, LR, LS, LU, LY, MA, MD, ME, MG, MK, MN, MW, MX, MY, MZ, NA, NG, NI, NO, NZ, OM, PA, PE, PG, PH, PL, PT, QA, RO, RS, RU, RW, SA, SC, SD, SE, SG, SK, SL, SM, ST, SV, SY, TH, TJ, TM, TN, TR, TT, TZ, UA, UG, US, UZ, VC, VN, ZA, ZM, ZW
African Regional Intellectual Property Organization (ARIPO) (BW, GH, GM, KE, LR, LS, MW, MZ, NA, RW, SD, SL, ST, SZ, TZ, UG, ZM, ZW)
Eurasian Patent Office (AM, AZ, BY, KG, KZ, RU, TJ, TM)
European Patent Office (EPO) (AL, AT, BE, BG, CH, CY, CZ, DE, DK, EE, ES, FI, FR, GB, GR, HR, HU, IE, IS, IT, LT, LU, LV, MC, MK, MT, NL, NO, PL, PT, RO, RS, SE, SI, SK, SM, TR)
African Intellectual Property Organization (BF, BJ, CF, CG, CI, CM, GA, GN, GQ, GW, KM, ML, MR, NE, SN, TD, TG)
Publication Language: Chinese (ZH)
Filing Language: Chinese (ZH)