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WO2018149191A1 - 保单核保的方法、装置、设备及计算机可读存储介质 - Google Patents

保单核保的方法、装置、设备及计算机可读存储介质 Download PDF

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Publication number
WO2018149191A1
WO2018149191A1 PCT/CN2017/111902 CN2017111902W WO2018149191A1 WO 2018149191 A1 WO2018149191 A1 WO 2018149191A1 CN 2017111902 W CN2017111902 W CN 2017111902W WO 2018149191 A1 WO2018149191 A1 WO 2018149191A1
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WIPO (PCT)
Prior art keywords
policy
attribute
underwriting
insurance
attribute element
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Ceased
Application number
PCT/CN2017/111902
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English (en)
French (fr)
Inventor
李欢欢
金飞虎
仇一
薛燕
米艺
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Ping An Technology Shenzhen Co Ltd
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Ping An Technology Shenzhen Co Ltd
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Publication of WO2018149191A1 publication Critical patent/WO2018149191A1/zh
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

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    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
    • G06F16/20—Information retrieval; Database structures therefor; File system structures therefor of structured data, e.g. relational data
    • G06F16/24—Querying
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
    • G06F16/20—Information retrieval; Database structures therefor; File system structures therefor of structured data, e.g. relational data
    • G06F16/24—Querying
    • G06F16/245—Query processing
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/08—Insurance

Definitions

  • the present application relates to the field of insurance, and in particular, to a method, an apparatus, a device, and a computer readable storage medium for policy underwriting.
  • the policy needs to be underwritten to determine whether the information in the policy meets the insurance requirements.
  • the current method of underwriting the policy is generally underwritten by labor. Due to the different types of insurance included in the policy, there are many factors related to various types of insurance. If it is manually underwritten, it will not only cause a lot of manpower consumption, but also the efficiency of policy underwriting is low.
  • the main purpose of the present application is to provide a policy, method, device, and computer readable storage medium, which are intended to solve the current method of underwriting the policy, which not only causes a large amount of labor consumption, but also the policy underwriting. Less efficient technical issues.
  • the present application provides a policy underwriting method, which includes:
  • the corresponding attribute elements in the insurance are analyzed to determine the underwriting result of the policy.
  • the present application further provides a policy underwriting device, where the policy underwriting device includes:
  • a determining module configured to determine, when receiving the policy underwriting policy, a type of insurance corresponding to the policy to be insured, and an attribute element included in the insurance type
  • Get the module For obtaining, in a preset rule base, a rule corresponding to the determined attribute element according to a preset correspondence between the attribute element and the rule;
  • an analysis module configured to analyze the corresponding attribute element in the insurance to determine the underwriting result of the policy by using the obtained rule.
  • the present invention also provides a policy underwriting device, the policy underwriting device comprising a processor, and a memory storing a program for policy overwriting; the processor for executing The policy of the policy underwriting to implement the steps of the policy underwriting method described above.
  • the present invention also provides a computer readable storage medium storing a program for policy overwriting, the program of the policy underwriting being executed by a processor to implement The steps of the policy underwriting method described above.
  • the policy underwriting method and apparatus proposed by the present application first determines the insurance type corresponding to the policy to be insured, and the attribute elements included in the insurance type, and then in the preset rule base when receiving the policy underwriting policy And obtaining, according to a preset correspondence between the attribute element and the rule, a rule corresponding to the determined attribute element, and finally using the acquired rule to analyze the corresponding attribute element in the insurance type to determine The underwriting result of the policy.
  • the attribute elements in the policy are analyzed to determine the underwriting result of the policy, which is equivalent to using the rules to classify the policy, and the manual underwriting is required for manual underwriting, instead of all
  • the insurance policies are manually underwritten, which avoids the waste of manpower and improves the efficiency of policy underwriting.
  • FIG. 1 is a schematic flow chart of a first embodiment of a method for checking a policy of a policy of the present application
  • FIG. 2 is a schematic diagram of a refinement process of step S30 in FIG. 1;
  • step S31 in FIG. 2 is a schematic diagram showing the refinement process of step S31 in FIG. 2;
  • FIG. 4 is a schematic diagram of functional modules of a first embodiment of a device for policy check-in of the present application
  • FIG. 5 is a schematic diagram of a refinement function module of the analysis module 30 of FIG. 4;
  • FIG. 6 is a schematic diagram of a refinement function module of the query sub-module 31 of FIG. 5;
  • FIG. 7 is a schematic structural diagram of a device in a hardware operating environment according to an embodiment of the present invention.
  • the application provides a policy underwriting method.
  • FIG. 1 is a schematic flowchart of a first embodiment of a policy for guaranteeing a policy according to the present application.
  • the policy for the policy underwriting includes:
  • Step S10 when receiving the policy underwriting guarantee instruction, determining the insurance type corresponding to the policy to be insured, and the attribute elements included in the insurance type.
  • the policy underwriting method is applied to a background management system.
  • the background management system first displays a system interface, and the system interface displays a policy underwriting control, when the administrator clicks on the policy.
  • the policy selection window pops up.
  • the background management system is equivalent to receiving the policy underwriting instruction, and the policy selected based on the selection window is selected.
  • the policy to be insured and determine the insurance type corresponding to the policy to be insured and the attribute elements included in the insurance.
  • the background management system pops up the policy selection window based on the policy underwriting policy, and the administrator
  • the background management system uses the policy selected by the administrator as the policy to be verified, and determines the insurance type corresponding to the insurance policy to be insured and the attribute elements included in the insurance.
  • the policy selected in the policy selection window is also selected in batches.
  • the policy is an insurance policy
  • the insurance is the corresponding insurance type in the policy, such as health insurance, personal insurance, accident insurance, etc.
  • the insurance includes the attribute elements, such as the insurance amount of the insurance, Copies, total order premiums, etc.
  • step S20 in the preset rule base, according to the corresponding relationship between the preset attribute element and the rule, the determined rule corresponding to the attribute element is obtained.
  • the preset rule base after determining the insurance type corresponding to the policy to be insured and the attribute elements included in the insurance, in the preset rule base, obtaining the determination according to the corresponding relationship between the preset attribute element and the rule The rule corresponding to the attribute element. That is to say, in the rule base, the correspondence table of the attribute elements and the rules has been pre-stored, and then after determining the insurance type corresponding to the policy to be insured and the attribute elements included in the insurance, In the rule base, the rules corresponding to the attribute elements are obtained.
  • the rules corresponding to the attribute elements include, but are not limited to, the standard values of the attribute elements and the check conditions.
  • Step S30 using the acquired rule, analyzing the corresponding attribute element in the insurance to determine the underwriting result of the policy.
  • the number of attribute elements preferably includes a plurality of, and the specific number is set according to actual conditions, and details are not described herein.
  • the attribute element includes a plurality of attribute elements
  • the step S30 includes:
  • Step S31 querying the actual value of each attribute element in the insurance type
  • Step S32 obtaining standard values of the respective attribute elements from the rules corresponding to the respective attribute elements, and verifying conditions corresponding to the respective attribute elements;
  • Step S33 comparing the actual values of the respective attribute elements with the standard values corresponding to the respective attribute elements according to the verification conditions corresponding to the respective attribute elements, to determine the comparison result of the respective attribute elements, wherein the comparison result includes Meet the requirements and do not meet the requirements;
  • Step S34 determining the underwriting result of the policy according to the comparison result of each attribute element.
  • the actual value of each attribute element is first searched for in the insurance policy of the policy, and the actual value is the value indicated according to the actual situation of the insured when the policy is generated.
  • the step S31 includes:
  • Step S311 determining, among the various attribute elements included in the insurance, each attribute element related to the insurance type;
  • Step S312 querying actual values of the respective attribute elements related to the insurance.
  • each attribute element related to the insurance type is determined, and the actual value of each attribute element related to the insurance type may be queried.
  • the standard values of the respective attribute elements and the verification conditions corresponding to the respective attribute elements are obtained from the rules corresponding to the respective attribute elements. It should be noted that in the development of a new type of insurance, it is necessary to set the correlation of each attribute element in the insurance type, and set a standard value and verification condition for the attribute element of the setting correlation for subsequent automatic underwriting use.
  • the standard values of the attribute elements and the specific setting of the check conditions are described in more detail below.
  • the actual values and the respective attributes of the respective attribute elements may be obtained according to the verification conditions corresponding to the respective attribute elements.
  • the standard values corresponding to the elements are compared to determine the comparison result of the respective attribute elements, wherein the comparison result includes two requirements: a compliance requirement and a non-compliance requirement.
  • the manner of comparing the actual value of each attribute element with the standard value corresponding to each attribute element according to the verification condition corresponding to each attribute element, to determine the comparison result of each attribute element includes:
  • the comparison result of the attribute element is that the requirement is not met
  • the comparison result of the attribute element is in compliance with the requirement.
  • the comparison result of the attribute element is that the requirement is met
  • the current insurance is accident insurance
  • the attribute element of the insurance is the insurance amount
  • the actual amount of the insurance amount is 90000
  • the standard insurance amount of the attribute element in the rule base is 100000
  • the verification condition is not exceeded, then according to the verification condition, after the actual insurance amount is 90000 and the standard insurance amount is 100000, it is found that the comparison result of the attribute element meets the verification condition, and the attribute is known.
  • the result of the comparison of the elements is in line with the requirements.
  • the comparison method of the other attribute elements is the same as the above, and no redundant description is made here.
  • the underwriting result of the policy is determined based on the comparison result of each attribute element.
  • the step S34 includes:
  • Each attribute element is classified according to the comparison result of each attribute element
  • each attribute element is divided into two categories, that is, one category that meets the requirements, and one category that does not meet the requirements. And determine the number of the two categories. Then, the number of attribute elements that meet the requirements is divided by the total number of all attribute elements, and the ratio of the quantity of the attribute elements that meet the requirements to all the attribute elements is obtained, and the quantity ratio is compared with a preset threshold range, if the quantity ratio is A minimum boundary value that is less than the preset threshold range, indicating that most of the attribute elements in the policy do not meet the requirements, and the underwriting result of the policy is set to be rejected; if the quantity ratio is greater than the preset threshold range The maximum boundary value, indicating that most of the attribute elements in the policy meet the requirements, then the underwriting result of the policy is set to pass; if the quantity ratio is within the preset threshold, the underwriting result of the policy is Set to manual underwriting to facilitate manual for further underwriting.
  • this program is to prevent the underwriters from viewing all the information in the policy, but to semi-automatically control some of the information in the policy to determine which ones need to be rejected and which are needed. Manually underwriting, which are qualified, and then underwriting the policy that requires manual underwriting, and the policy of refusal or qualified does not need to be manually checked, saving time and improving work efficiency.
  • the policy underwriting method proposed in this embodiment first determines the insurance type corresponding to the policy to be insured, and the attribute elements included in the insurance type, and then in the preset rule base, when receiving the policy underwriting insurance instruction. Obtaining, according to a preset correspondence between the attribute element and the rule, a rule corresponding to the determined attribute element, and finally using the acquired rule to analyze the corresponding attribute element in the insurance type to determine the The underwriting result of the policy.
  • the attribute elements in the policy are analyzed to determine the underwriting result of the policy, which is equivalent to using the rules to classify the policy, and the manual underwriting is required for manual underwriting, instead of all
  • the insurance policies are manually underwritten, which avoids the waste of manpower and improves the efficiency of policy underwriting.
  • the second embodiment of the policy underwriting method of the present application is proposed based on the first embodiment.
  • the method for the policy underwriting includes:
  • Step A determining various attribute elements included in the insurance
  • Step B setting correlations for each attribute element included in the insurance type
  • Step C when the attribute element is an attribute element related to the insurance type, setting a standard value and a verification condition for the attribute element;
  • Step D adding an identifier of the attribute element to the standard value and the verification condition, and storing the rule as the attribute element in the rule base.
  • the insurance is first set, that is, when the insurance is developed, the attribute elements included in the insurance are specified, and then the relevant attribute elements included in the insurance are correlated.
  • Settings which attribute elements need to be set according to the specific needs of the insurance.
  • a standard value and a verification condition are set on the attribute element, and finally the identifier of the attribute element is added to the standard value and the verification condition as a rule storage of the attribute element. Go to the rule base.
  • the underwriting analysis of the policy is carried out according to the rules preset by the attribute elements.
  • the rules corresponding to the various attribute elements of the insurance are set in advance, and the policies are conveniently classified by the rules, and the manual underwriting is required, and not all the policies are manually underwritten, thereby avoiding The waste of manpower has improved the efficiency of policy underwriting.
  • the above-mentioned storage medium may be a read only memory, a magnetic disk or an optical disk or the like.
  • the application further provides a device for underwriting a policy.
  • FIG. 4 is a schematic diagram of functional modules of the first embodiment of the policy underwriting device 100 of the present application.
  • the functional block diagram shown in FIG. 4 is merely an exemplary diagram of a preferred embodiment, and those skilled in the art will surround the function of the policy underwriting device 100 shown in FIG. Modules can be easily supplemented by new function modules; the names of the function modules are custom names, which are only used to assist in understanding the various program function blocks of the policy underwriting device 100, and are not used to limit the technical solution of the present application.
  • the function to be achieved by the functional modules of each defined name is the function to be achieved by the functional modules of each defined name.
  • the policy underwriting device 100 includes:
  • the determining module 10 is configured to: when receiving the policy underwriting instruction, determine the insurance type corresponding to the policy to be insured, and the attribute elements included in the insurance type;
  • Obtaining module 20 For obtaining, in a preset rule base, a rule corresponding to the determined attribute element according to a preset correspondence between the attribute element and the rule;
  • the analyzing module 30 is configured to analyze, by using the acquired rules, the corresponding attribute elements in the insurance to determine the underwriting result of the policy.
  • the policy underwriting method is applied to a background management system.
  • the background management system first displays a system interface, and the system interface displays a policy underwriting control, when the administrator clicks on the policy.
  • the policy selection window pops up.
  • the background management system is equivalent to receiving the policy underwriting instruction, and the determination module 10 will be based on the selection window.
  • the selected policy is used as the policy to be insured, and the insurance type corresponding to the insurance policy and the attribute elements included in the insurance type are determined.
  • the determining module 10 regards the policy selected by the administrator as the policy to be verified, and determines the insurance type corresponding to the insurance policy to be insured and the attribute elements included in the insurance.
  • the policy selected in the policy selection window is also selected in batches.
  • the policy is an insurance policy
  • the insurance is the corresponding insurance type in the policy, such as health insurance, personal insurance, accident insurance, etc.
  • the insurance includes the attribute elements, such as the insurance amount of the insurance, Copies, total order premiums, etc.
  • the obtaining module 20 is in the preset rule base, according to the preset attribute elements and rules. Corresponding relationship, obtaining the determined rule corresponding to the attribute element. That is to say, in the rule base, the correspondence table of the attribute elements and the rules has been pre-stored, and then the determining module 10 determines the insurance type corresponding to the policy to be insured and the attribute elements included in the insurance type, and acquires the module. 20, in the rule base, obtain a rule corresponding to the attribute element.
  • the rules corresponding to the attribute elements include, but are not limited to, the standard values of the attribute elements and the check conditions.
  • the analyzing module 30 uses the obtained rule to analyze the corresponding attribute element in the insurance type. Determining the underwriting result of the policy, wherein the underwriting result includes a pass, a refusal, and an artificial underwriting.
  • the number of attribute elements preferably includes a plurality of, and the specific number is set according to actual conditions, and details are not described herein.
  • the analysis module 30 includes:
  • the query sub-module 31 is configured to query the actual value of each attribute element in the insurance type
  • the obtaining sub-module 32 is configured to obtain a standard value of each attribute element from a rule corresponding to each attribute element, and a verification condition corresponding to each attribute element;
  • the comparison sub-module 33 is configured to compare the actual value of each attribute element with a standard value corresponding to each attribute element according to a verification condition corresponding to each attribute element, to determine a comparison result of each attribute element, wherein The results of the comparison include both compliance and non-compliance;
  • the determining sub-module 34 is configured to determine the underwriting result of the policy according to the comparison result of the respective attribute elements.
  • the query sub-module 31 first queries the actual value of each attribute element in the insurance type of the policy, and the actual value is the value marked according to the actual situation of the insured when the policy is generated.
  • the query sub-module 31 includes:
  • a first determining unit 311, configured to determine, in each attribute element included in the insurance, each attribute element related to the insurance type
  • the query unit 312 is configured to query actual values of the respective attribute elements related to the insurance.
  • the first determining unit 311 determines each attribute element related to the insurance type, and the query unit 312 can query the actual value of each attribute element related to the insurance type. .
  • the obtaining sub-module 32 After querying the actual values of the respective attribute elements in the insurance, the obtaining sub-module 32 obtains the standard values of the respective attribute elements and the verification conditions corresponding to the respective attribute elements from the rules corresponding to the respective attribute elements. It should be noted that in the development of a new type of insurance, it is necessary to set the correlation of each attribute element in the insurance type, and set a standard value and verification condition for the attribute element of the setting correlation for subsequent automatic underwriting use. The standard values of the attribute elements and the specific setting of the check conditions are described in more detail below.
  • the comparison sub-module 33 can determine the verification conditions corresponding to the respective attribute elements.
  • the actual value of each attribute element is compared with a standard value corresponding to each attribute element to determine a comparison result of each attribute element, wherein the comparison result includes two requirements: a compliance requirement and a non-compliance requirement.
  • the comparison sub-module 33 compares the actual value of each attribute element with the standard value corresponding to each attribute element according to the verification condition corresponding to each attribute element, to determine the manner of comparing the result of each attribute element.
  • the comparison result of the attribute element is that the requirement is not met
  • the comparison result of the attribute element is in compliance with the requirement.
  • the comparison result of the attribute element is that the requirement is met
  • the current insurance is accident insurance
  • the attribute element of the insurance is the insurance amount
  • the actual amount of the insurance amount is 90000
  • the standard insurance amount of the attribute element in the rule base is 100000
  • the verification condition is not exceeded, then according to the verification condition, after the actual insurance amount is 90000 and the standard insurance amount is 100000, it is found that the comparison result of the attribute element meets the verification condition, and the attribute is known.
  • the result of the comparison of the elements is in line with the requirements.
  • the comparison method of the other attribute elements is the same as the above, and no redundant description is made here.
  • the determination sub-module 34 determines the underwriting result of the policy based on the comparison result of the respective attribute elements. Specifically, the determining submodule 34 includes:
  • a classification unit for classifying each attribute element according to a comparison result of each attribute element
  • a second determining unit configured to determine that the underwriting result of the policy is artificial underwriting if the ratio of the quantity of the attribute element that meets the requirement to all the attribute elements is within a preset threshold range
  • the second determining unit is further configured to: if the ratio of the quantity of the attribute element and the all attribute elements that meet the requirement is less than the minimum boundary value of the preset threshold range, determine that the underwriting result of the policy is a refusal;
  • the second determining unit is further configured to determine that the underwriting result of the policy is qualified if the ratio of the quantity of the attribute element to the attribute element that meets the requirement is greater than the maximum boundary value of the preset threshold range.
  • the classification unit divides each attribute element into two categories according to the comparison result of each attribute element, that is, the one that meets the requirements is divided into one category, and the one that does not meet the requirements is divided into one. Class, and the second determining unit determines the number of the two classes.
  • the number of attribute elements that meet the requirements is divided by the total number of all attribute elements, and the ratio of the quantity of the attribute elements that meet the requirements to all the attribute elements is obtained, and the quantity ratio is compared with a preset threshold range, if the quantity ratio is A minimum boundary value that is less than the preset threshold range, indicating that most of the attribute elements in the policy do not meet the requirements, and the underwriting result of the policy is set to be rejected; if the quantity ratio is greater than the preset threshold range The maximum boundary value, indicating that most of the attribute elements in the policy meet the requirements, then the underwriting result of the policy is set to pass; if the quantity ratio is within the preset threshold, the underwriting result of the policy is Set to manual underwriting to facilitate manual for further underwriting.
  • this program is to prevent the underwriters from viewing all the information in the policy, but to semi-automatically control some of the information in the policy to determine which ones need to be rejected and which are needed. Manually underwriting, which are qualified, and then underwriting the policy that requires manual underwriting, and the policy of refusal or qualified does not need to be manually checked, saving time and improving work efficiency.
  • the policy underwriting device proposed in this embodiment first determines the insurance type corresponding to the policy to be insured and the attribute elements included in the insurance policy when receiving the policy underwriting policy, and then in the preset rule base. Obtaining, according to a preset correspondence between the attribute element and the rule, a rule corresponding to the determined attribute element, and finally using the acquired rule to analyze the corresponding attribute element in the insurance type to determine the The underwriting result of the policy. According to the rules corresponding to the attribute elements, the attribute elements in the policy are analyzed to determine the underwriting result of the policy, which is equivalent to using the rules to classify the policy, and the manual underwriting is required for manual underwriting, instead of all The insurance policies are manually underwritten, which avoids the waste of manpower and improves the efficiency of policy underwriting.
  • the device for the policy underwriting further includes a setting module and an adding storage module;
  • the determining module 10 is further configured to determine each attribute element included in the insurance
  • the setting module is configured to perform correlation setting on each attribute element included in the insurance type
  • the setting module is further configured to: when the attribute element is an attribute element related to the insurance type, set a standard value and a verification condition for the attribute element;
  • the adding storage module is configured to add an identifier of the attribute element to the standard value and the verification condition, and store the rule as the attribute element in the rule base.
  • the insurance is first set, that is, when the insurance is developed, the attribute elements included in the insurance are specified, and then the setting module includes various attribute elements included in the insurance. Correlation settings are made, which attribute elements need to be correlated, depending on the specific needs of the insurance.
  • a standard value and a verification condition are set on the attribute element, and finally the identifier of the attribute element is added to the standard value and the verification condition as a rule storage of the attribute element. Go to the rule base.
  • the underwriting analysis of the policy is carried out according to the rules preset by the attribute elements.
  • the rules corresponding to the various attribute elements of the insurance are set in advance, and the policies are conveniently classified by the rules, and the manual underwriting is required, and not all the policies are manually underwritten, thereby avoiding The waste of manpower has improved the efficiency of policy underwriting.
  • the above determining module 10, the obtaining module 20, the analyzing module 30, and the like may be embedded in the hardware or in a device independent of the policy, or may be stored in the software in the form of software. In the memory of the underwritten device, so that the processor calls to perform the operations corresponding to the above respective modules.
  • the processor can be a central processing unit (CPU), a microprocessor, a microcontroller, or the like.
  • FIG. 7 is a schematic structural diagram of a device in a hardware operating environment according to an embodiment of the present invention.
  • the device for guaranteeing the policy of the embodiment of the present invention may be a PC, or may be a terminal device such as a smart phone, a tablet computer or a portable computer.
  • the policy-guaranteed device may include a processor 1001, such as a CPU, a network interface 1002, a user interface 1003, and a memory 1004. Connection communication between these components can be achieved via a communication bus.
  • the network interface 1002 may optionally include a standard wired interface (for connecting to a wired network), a wireless interface (such as a WI-FI interface, a Bluetooth interface, an infrared interface, etc. for connecting to a wireless network).
  • the user interface 1003 may include a display, an input unit such as a keyboard, and the optional user interface 1003 may also include a standard wired interface (eg, for connecting a wired keyboard, a wired mouse, etc.), a wireless interface (eg, for Connect a wireless keyboard, wireless mouse).
  • the memory 1004 may be a high speed RAM memory or a stable memory (non-volatile) Memory), such as disk storage.
  • the memory 1004 can also optionally be a storage device independent of the aforementioned processor 1001.
  • the policy-guaranteed device may also include a camera, RF (Radio) Frequency, RF) circuits, sensors, audio circuits, WiFi modules, and more.
  • RF Radio
  • RF Radio
  • the policy-guaranteed device structure shown in FIG. 7 does not constitute a limitation on the policy-guaranteed device, and may include more or less components than the illustration, or a combination of certain Parts, or different parts.
  • a memory 1004 as a computer storage medium may include an operating system, a network communication module, a user interface module, and a policy-guaranteed program.
  • the operating system is a program for managing and controlling the device hardware and software resources of the policy underwriting, supporting the operation of the network communication module, the user interface module, the policy underwriting and other programs or software;
  • the network communication module is used for management And a control network interface 1002;
  • the user interface module is for managing and controlling the user interface 1003.
  • the processor 1001 can be used to execute a policy-guaranteed program stored in the memory 1004 to implement the following steps:
  • the corresponding attribute elements in the insurance are analyzed to determine the underwriting result of the policy.
  • the processor 1001 is further configured to execute the program for the policy underwriting to implement the adopted rule, and perform the corresponding attribute element in the insurance type. Analysis to determine the underwriting results of the policy:
  • the underwriting result of the policy is determined based on the comparison result of each attribute element.
  • processor 1001 is further configured to execute the program for the policy underwriting to implement the step of querying the actual value of each attribute element in the insurance:
  • processor 1001 is further configured to execute the policy of the policy underwriting to implement the step of determining the underwriting result of the policy according to the comparison result of the respective attribute elements:
  • Each attribute element is classified according to the comparison result of each attribute element
  • the processor 1001 is further configured to execute the policy of the policy underwriting to implement the following steps:
  • the attribute element is an attribute element related to the insurance type
  • a standard value and a verification condition are set for the attribute element
  • An identifier of the attribute element is added to the standard value and the verification condition, and the rule as the attribute element is stored in the rule base.
  • the present invention provides a computer readable storage medium storing a program for policy underwriting, the program of the policy underwriting being executed by a processor to implement the following steps:
  • the corresponding attribute elements in the insurance are analyzed to determine the underwriting result of the policy.
  • the policy of the policy underwriting is executed by the processor, and the obtained rule is used to analyze the corresponding attribute element in the insurance type to Steps to determine the underwriting result of the policy:
  • the underwriting result of the policy is determined based on the comparison result of each attribute element.
  • the policy of the policy underwriting is executed by the processor, and the step of querying the actual value of each attribute element in the insurance is also implemented:
  • the policy of the policy underwriting is executed by the processor, and the step of determining the underwriting result of the policy according to the comparison result of the respective attribute elements is further implemented:
  • Each attribute element is classified according to the comparison result of each attribute element
  • the program of the policy underwriting is executed by the processor, and the following steps are further implemented:
  • the attribute element is an attribute element related to the insurance type
  • a standard value and a verification condition are set for the attribute element
  • An identifier of the attribute element is added to the standard value and the verification condition, and the rule as the attribute element is stored in the rule base.

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Abstract

本申请公开了一种保单核保的方法，所述方法包括：在接收到保单核保指令时，确定待核保的保单对应的险种，以及所述险种所包含的属性要素；在预设的规则库中，根据预设的属性要素与规则的对应关系，获取确定的所述属性要素对应的规则；采用获取的所述规则，对所述险种中对应的所述属性要素进行分析，以确定所述保单的核保结果。本申请还公开了一种保单核保装置、设备和计算机可读存储介质。本申请根据属性要素对应的规则，对保单中的属性要素进行分析，以确定保单的核保结果，相当于是采用规则将保单进行归类，需要人工核保的再进行人工核保，而不是所有保单都进行人工核保，避免了人力的浪费，还提高了保单核保的效率。

Description

保单核保的方法、装置、设备及计算机可读存储介质
本申请要求于2017年02月20日提交中国专利局、申请号为201710091334.8、发明名称为“保单核保的方法和装置”的中国专利申请的优先权，其全部内容通过引用结合在本申请中。
技术领域
本申请涉及保险领域，尤其涉及一种保单核保的方法、装置、设备及计算机可读存储介质。
背景技术
目前，在保险系统生成保单之后，需要对保单进行核保，以确定保单中的信息是否符合参保要求。现在对保单的核保方式，一般是由人工进行核保。由于保单中包括的险种不同，各类险种涉及到的要素信息较多，若是人工进行核保，不仅会造成大量的人力消耗，而且保单核保的效率较低。
发明内容
本申请的主要目的在于提供一种保单核保方法、装置、设备及计算机可读存储介质，旨在解决目前对保单的核保方式，不仅会造成大量的人力消耗，而且保单核保的效率较低的技术问题。
为实现上述目的，本申请提供一种保单核保方法，所述保单核保方法包括：
在接收到保单核保指令时，确定待核保的保单对应的险种，以及所述险种所包含的属性要素；
在预设的规则库中，根据预设的属性要素与规则的对应关系，获取确定的所述属性要素对应的规则；
采用获取的所述规则，对所述险种中对应的所述属性要素进行分析，以确定所述保单的核保结果。
此外，为实现上述目的，本申请还提供一种保单核保装置，所述保单核保装置包括：
确定模块，用于在接收到保单核保指令时，确定待核保的保单对应的险种，以及所述险种所包含的属性要素；
获取模块， 用于在预设的规则库中，根据预设的属性要素与规则的对应关系，获取确定的所述属性要素对应的规则；
分析模块，用于采用获取的所述规则，对所述险种中对应的所述属性要素进行分析，以确定所述保单的核保结果。
此外，为实现上述目的，本发明还提供一种保单核保的设备，所述保单核保的设备包括处理器、以及存储有保单核保的程序的存储器；所述处理器用于执行所述保单核保的程序，以实现上文所述的保单核保方法的步骤。
此外，为实现上述目的，本发明还提供一种计算机可读存储介质，所述计算机可读存储介质存储有保单核保的程序，所述保单核保的程序被处理器执行，以实现上文所述的保单核保方法的步骤。
本申请提出的保单核保方法和装置，在接收到保单核保指令时，先确定待核保的保单对应的险种，以及所述险种所包含的属性要素，然后在预设的规则库中，根据预设的属性要素与规则的对应关系，获取确定的所述属性要素对应的规则，最终采用获取的所述规则，对所述险种中对应的所述属性要素进行分析，以确定所述保单的核保结果。实现了根据属性要素对应的规则，对保单中的属性要素进行分析，以确定保单的核保结果，相当于是采用规则将保单进行归类，需要人工核保的再进行人工核保，而不是所有保单都进行人工核保，避免了人力的浪费，还提高了保单核保的效率。
附图说明
图1为本申请保单核保的方法第一实施例的流程示意图；
图2为图1中步骤S30的细化流程示意图；
图3为图2中步骤S31的细化流程示意图；
图4为本申请保单核保的装置第一实施例的功能模块示意图；
图5为图4中分析模块30的细化功能模块示意图；
图6为图5中查询子模块31的细化功能模块示意图；
图7是本发明实施例方案涉及的硬件运行环境的设备结构示意图。
本申请目的的实现、功能特点及优点将结合实施例，参照附图做进一步说明。
具体实施方式
应当理解，此处所描述的具体实施例仅仅用以解释本申请，并不用于限定本申请。
本申请提供一种保单核保方法。
参照图1，图1为本申请保单核保方法第一实施例的流程示意图。
在本实施例中，所述保单核保的方法包括：
在接收到保单核保指令时，确定待核保的保单对应的险种，以及所述险种所包含的属性要素；在预设的规则库中，根据预设的属性要素与规则的对应关系，获取确定的所述属性要素对应的规则；采用获取的所述规则，对所述险种中对应的所述属性要素进行分析，以确定所述保单的核保结果。
以下是本实施例中逐步实现保单核保的具体步骤：
步骤S10，在接收到保单核保指令时，确定待核保的保单对应的险种，以及所述险种所包含的属性要素。
在本实施例中，所述保单核保方法应用于后台管理系统，具体地，后台管理系统先显示系统界面，且所述系统界面显示保单核保控件，当管理员点击所述保单核保控件时，弹出保单的选择窗口，当管理员基于所述保单的选择窗口选择保单并选择完成时，后台管理系统相当于是接收到保单核保指令，将基于所述选择窗口选择的保单作为待核保保单，并确定待核保保单对应的险种以及险种包含的属性要素。
当然，也可以是在管理员点击所述保单核保控件时，触发保单核保指令，然后所述后台管理系统基于所述保单核保指令，再弹出保单的选择窗口，当管理员基于所述保单的选择窗口选择相应的保单，并选择完成时，所述后台管理系统将管理员选择的保单作为待核保保单，并确定待核保保单对应的险种以及险种包含的属性要素。
本实施例中，优选应用于对大批量保单进行核保的场景，因此上述在保单的选择窗口所选择的保单，也是批量选择的。
在本实施例中，所述保单即保险单；所述险种就是保单中对应的保险种类，如健康险、人身险、意外险等等；所述险种包含的属性要素，如险种的保额、份数、总单保费等等信息。
步骤S20，在预设的规则库中，根据预设的属性要素与规则的对应关系，获取确定的所述属性要素对应的规则。
在本实施例中，在确定待核保的保单对应的险种，以及所述险种所包含的属性要素之后，在预设的规则库中，根据预设的属性要素与规则的对应关系，获取确定的所述属性要素对应的规则。也就是说，所述规则库中，已经预存有属性要素和规则的对应关系表，那么在确定待核保的保单对应的险种，以及所述险种所包含的属性要素之后，即可在所述规则库中，获取所述属性要素对应的规则。本实施例中，属性要素对应的规则中，包括但不限于属性要素的标准值以及校验条件。
步骤S30，采用获取的所述规则，对所述险种中对应的所述属性要素进行分析，以确定所述保单的核保结果。
在所述规则库中，获取到所述属性要素对应的规则之后，采用获取的所述规则，对所述险种中对应的所述属性要素进行分析，以确定所述保单的核保结果，其中，所述核保结果包括合格、拒保、人工核保。在本实施例中，属性要素的个数优选包括多个，具体的个数根据实际情况设定，此处不做赘述。在属性要素包括多个属性要素，参照图2，所述步骤S30包括：
步骤S31，在所述险种中查询各个属性要素的实际值；
步骤S32，从各个属性要素对应的规则中获取各个属性要素的标准值，以及各个属性要素对应的校验条件；
步骤S33，根据各个属性要素对应的校验条件，将各个属性要素的实际值与各个属性要素对应的标准值进行比对，以确定各个属性要素的比对结果，其中，所述比对结果包括符合要求和不符合要求两种；
步骤S34，根据各个属性要素的比对结果，确定所述保单的核保结果。
即，先在所述保单的险种中查询各个属性要素的实际值，该实际值是生成保单时根据被保险人实际情况所标注的数值。
在本实施例中，需要注意的是，险种中包括多个属性要素，但并不是所有的属性要素都是与险种有相关性的，有些属性要素与险种并没有相关性，没有相关性的属性要素，并没有设置标准值，后续即使获取到实际值，也无法进行比对。比如，当前的险种为健康险，健康险包括多种属性要素，如险种的保额、份数、总单保费，系统事先只设置了保额和总单保费与健康险相关的，那么事先就设置有保额和总单保费对应的标准值，可知份数这个属性要素是与健康险不相关的，无须事先设置标准值。因此，本实施例中，参照图3，所述步骤S31包括：
步骤S311，在所述险种所包含的各个属性要素中，确定与所述险种相关的各个属性要素；
步骤S312，查询与所述险种相关的各个属性要素的实际值。
也就是说，在所述险种所包含的各个属性要素中，确定与所述险种相关的各个属性要素，并查询与所述险种相关的各个属性要素的实际值即可。
在所述险种中查询各个属性要素的实际值之后，再从各个属性要素对应的规则中获取各个属性要素的标准值，以及各个属性要素对应的校验条件。应当注意的是，事先在开发一个新险种时，需要对险种中的各个属性要素设置相关性，并对设置相关性的属性要素设置一个标准值和校验条件，以供后续自动核保使用，属性要素的标准值和校验条件的具体设置方式在下文中再详述。
在从各个属性要素对应的规则中获取各个属性要素的标准值，以及各个属性要素对应的校验条件之后，即可根据各个属性要素对应的校验条件，将各个属性要素的实际值与各个属性要素对应的标准值进行比对，以确定各个属性要素的比对结果，其中，所述比对结果包括符合要求和不符合要求两种。
具体地，所述根据各个属性要素对应的校验条件，将各个属性要素的实际值与各个属性要素对应的标准值进行比对，以确定各个属性要素的比对结果的方式包括：
1）在所述实际值大于或等于所述标准值时，确定所述校验条件；
若所述校验条件为实际值小于所述标准值，则该属性要素的比对结果为不符合要求；
若所述校验条件为实际值大于或等于所述标准值， 则该属性要素的比对结果为符合要求。
2）在所述实际值小于所述标准值时，确定所述校验条件；
若所述校验条件为实际值小于所述标准值，则该属性要素的比对结果为符合要求；
若所述校验条件为实际值大于或等于所述标准值， 则该属性要素的比对结果为不符合要求。
应当理解，上述的比对方式仅仅是为了方便理解，具体采用何种方式，根据实际情况设定。
为更好理解，举例如下：当前险种为意外险，该险种的属性要素是保额，保额的实际金额是90000，若此时该属性要素在规则库中的标准保额为100000，且该校验条件是不可超过，那么根据该校验条件，将实际保额是90000与标准保额为100000比对之后，发现所述属性要素的比对结果符合校验条件，即可得知该属性要素的比对结果是符合要求的。其它各个属性要素的比对方式与上述一致，此处不做多余赘述。
最终，根据各个属性要素的比对结果，确定所述保单的核保结果。具体地，所述步骤S34包括：
根据各个属性要素的比对结果，对各个属性要素进行分类；
若符合要求的属性要素与所有属性要素的数量比值介于预设阈值范围内，则确定所述保单的核保结果为人工核保；
若符合要求的属性要素与所有属性要素的数量比值小于所述预设阈值范围的最小边界值，则确定所述保单的核保结果为拒保；
若符合要求的属性要素与所有属性要素的数量比值大于所述预设阈值范围的最大边界值，则确定所述保单的核保结果为合格。
在本实施例中，在确定各个属性要素的比对结果之后，根据各个属性要素的比对结果，将各个属性要素分成两类，即符合要求的分成一类，不符合要求的分成一类，并确定两类的个数。然后，将符合要求的属性要素的个数除以所有属性要素的总数，得到符合要求的属性要素与所有属性要素的数量比值，并将该数量比值与预设阈值范围进行比较，若该数量比值小于所述预设阈值范围的最小边界值，说明该保单中的大部分属性要素都不符合要求，则将该保单的核保结果设置为拒保；若该数量比值大于所述预设阈值范围的最大边界值，说明该保单中的大部分属性要素都符合要求，则将该保单的核保结果设置为合格；若该数量比值介于预设阈值范围内，则将该保单的核保结果设置为人工核保，以便于转向人工进行进一步核保。
应当理解，本方案是避免核保师把保单中的所有资料都进行查看核保，而是通过半自动化控制，把保单中的一些信息分类出来，确定出哪些是需要拒保的，哪些是需要人工核保的，哪些是合格的，然后再对需要人工核保的保单进行核保，而拒保或合格的保单就不需要人工进行查看了，节省了时间，提高了工作效率。
本实施例提出的保单核保方法，在接收到保单核保指令时，先确定待核保的保单对应的险种，以及所述险种所包含的属性要素，然后在预设的规则库中，根据预设的属性要素与规则的对应关系，获取确定的所述属性要素对应的规则，最终采用获取的所述规则，对所述险种中对应的所述属性要素进行分析，以确定所述保单的核保结果。实现了根据属性要素对应的规则，对保单中的属性要素进行分析，以确定保单的核保结果，相当于是采用规则将保单进行归类，需要人工核保的再进行人工核保，而不是所有保单都进行人工核保，避免了人力的浪费，还提高了保单核保的效率。
进一步地，基于第一实施例提出本申请保单核保方法的第二实施例，在本实施例中，在所述步骤S10之前，所述保单核保的方法还包括：
步骤A，确定险种所包含的各个属性要素；
步骤B，对险种包含的各个属性要素进行相关性的设置；
步骤C，在有属性要素是险种相关的属性要素时，对所述属性要素设置标准值和校验条件；
步骤D，对所述标准值和校验条件添加所述属性要素的标识，以作为所述属性要素的规则存储到所述规则库中。
在本实施例中，在对保单进行核保之前，先对险种进行设置，也就是说，在开发险种时，对险种包含的属性要素进行规定，然后对险种包含的各个属性要素进行相关性的设置，其中，哪些属性要素需要进行相关性的设置，根据险种具体的需求而定。本实施例中，优选对需要与险种设置相关性的属性要素添加预设标志位如1，不需要设置相关性的属性要素可设置另一个标志位如0，或者是不做任何设置。在对属性要素设置相关性之后，再对所述属性要素设置标准值和校验条件，最终对所述标准值和校验条件添加所述属性要素的标识，以作为所述属性要素的规则存储到所述规则库中。以便于后续进行保单核保时，根据属性要素预设的规则，进行保单的核保分析。
本实施例中，事先设置险种的各个属性要素所对应的规则，后续便于采用规则将保单进行归类，需要人工核保的再进行人工核保，而不是所有保单都进行人工核保，避免了人力的浪费，提高了保单核保的效率。
需要说明的是，本领域普通技术人员可以理解实现上述实施例的全部或部分步骤可以通过硬件来完成，也可以通过程序来指令相关的硬件完成，所述的程序可以存储于一种计算机可读存储介质中，上述提到的存储介质可以是只读存储器，磁盘或光盘等。
本申请进一步提供一种保单核保的装置。
参照图4，图4为本申请保单核保装置100第一实施例的功能模块示意图。
需要强调的是，对本领域的技术人员来说，图4所示功能模块图仅仅是一个较佳实施例的示例图，本领域的技术人员围绕图4所示的保单核保装置100的功能模块，可轻易进行新的功能模块的补充；各功能模块的名称是自定义名称，仅用于辅助理解该保单核保装置100的各个程序功能块，不用于限定本申请的技术方案，本申请技术方案的核心是，各自定义名称的功能模块所要达成的功能。
在本实施例中，所述保单核保装置100包括：
确定模块10，用于在接收到保单核保指令时，确定待核保的保单对应的险种，以及所述险种所包含的属性要素；
获取模块20， 用于在预设的规则库中，根据预设的属性要素与规则的对应关系，获取确定的所述属性要素对应的规则；
分析模块30，用于采用获取的所述规则，对所述险种中对应的所述属性要素进行分析，以确定所述保单的核保结果。
在本实施例中，所述保单核保方法应用于后台管理系统，具体地，后台管理系统先显示系统界面，且所述系统界面显示保单核保控件，当管理员点击所述保单核保控件时，弹出保单的选择窗口，当管理员基于所述保单的选择窗口选择保单并选择完成时，后台管理系统相当于是接收到保单核保指令，确定模块10将基于所述选择窗口选择的保单作为待核保保单，并确定待核保保单对应的险种以及险种包含的属性要素。
当然，也可以是在管理员点击所述保单核保控件时，触发保单核保指令，然后所述后台管理系统基于所述保单核保指令，再弹出保单的选择窗口，当管理员基于所述保单的选择窗口选择相应的保单，并选择完成时，确定模块10将管理员选择的保单作为待核保保单，并确定待核保保单对应的险种以及险种包含的属性要素。
本实施例中，优选应用于对大批量保单进行核保的场景，因此上述在保单的选择窗口所选择的保单，也是批量选择的。
在本实施例中，所述保单即保险单；所述险种就是保单中对应的保险种类，如健康险、人身险、意外险等等；所述险种包含的属性要素，如险种的保额、份数、总单保费等等信息。
在本实施例中，在确定模块10确定待核保的保单对应的险种，以及所述险种所包含的属性要素之后，获取模块20在预设的规则库中，根据预设的属性要素与规则的对应关系，获取确定的所述属性要素对应的规则。也就是说，所述规则库中，已经预存有属性要素和规则的对应关系表，那么确定模块10在确定待核保的保单对应的险种，以及所述险种所包含的属性要素之后，获取模块20即可在所述规则库中，获取所述属性要素对应的规则。本实施例中，属性要素对应的规则中，包括但不限于属性要素的标准值以及校验条件。
在本实施例中，获取模块20在所述规则库中，获取到所述属性要素对应的规则之后，分析模块30采用获取的所述规则，对所述险种中对应的所述属性要素进行分析，以确定所述保单的核保结果，其中，所述核保结果包括合格、拒保、人工核保。在本实施例中，属性要素的个数优选包括多个，具体的个数根据实际情况设定，此处不做赘述。在属性要素包括多个属性要素，参照图5，所述分析模块30包括：
查询子模块31，用于在所述险种中查询各个属性要素的实际值；
获取子模块32，用于从各个属性要素对应的规则中获取各个属性要素的标准值，以及各个属性要素对应的校验条件；
比对子模块33，用于根据各个属性要素对应的校验条件，将各个属性要素的实际值与各个属性要素对应的标准值进行比对，以确定各个属性要素的比对结果，其中，所述比对结果包括符合要求和不符合要求两种；
确定子模块34，用于根据各个属性要素的比对结果，确定所述保单的核保结果。
即，查询子模块31先在所述保单的险种中查询各个属性要素的实际值，该实际值是生成保单时根据被保险人实际情况所标注的数值。
在本实施例中，需要注意的是，险种中包括多个属性要素，但并不是所有的属性要素都是与险种有相关性的，有些属性要素与险种并没有相关性，没有相关性的属性要素，并没有设置标准值，后续即使获取到实际值，也无法进行比对。比如，当前的险种为健康险，健康险包括多种属性要素，如险种的保额、份数、总单保费，系统事先只设置了保额和总单保费与健康险相关的，那么事先就设置有保额和总单保费对应的标准值，可知份数这个属性要素是与健康险不相关的，无须事先设置标准值。因此，本实施例中，参照图6，所述查询子模块31包括：
第一确定单元311，用于在所述险种所包含的各个属性要素中，确定与所述险种相关的各个属性要素；
查询单元312，用于查询与所述险种相关的各个属性要素的实际值。
也就是说，在所述险种所包含的各个属性要素中，第一确定单元311确定与所述险种相关的各个属性要素，查询单元312查询与所述险种相关的各个属性要素的实际值即可。
在所述险种中查询各个属性要素的实际值之后，获取子模块32再从各个属性要素对应的规则中获取各个属性要素的标准值，以及各个属性要素对应的校验条件。应当注意的是，事先在开发一个新险种时，需要对险种中的各个属性要素设置相关性，并对设置相关性的属性要素设置一个标准值和校验条件，以供后续自动核保使用，属性要素的标准值和校验条件的具体设置方式在下文中再详述。
在获取子模块32从各个属性要素对应的规则中获取各个属性要素的标准值，以及各个属性要素对应的校验条件之后，比对子模块33即可根据各个属性要素对应的校验条件，将各个属性要素的实际值与各个属性要素对应的标准值进行比对，以确定各个属性要素的比对结果，其中，所述比对结果包括符合要求和不符合要求两种。
具体地，所述比对子模块33根据各个属性要素对应的校验条件，将各个属性要素的实际值与各个属性要素对应的标准值进行比对，以确定各个属性要素的比对结果的方式包括：
1）在所述实际值大于或等于所述标准值时，确定所述校验条件；
若所述校验条件为实际值小于所述标准值，则该属性要素的比对结果为不符合要求；
若所述校验条件为实际值大于或等于所述标准值， 则该属性要素的比对结果为符合要求。
2）在所述实际值小于所述标准值时，确定所述校验条件；
若所述校验条件为实际值小于所述标准值，则该属性要素的比对结果为符合要求；
若所述校验条件为实际值大于或等于所述标准值， 则该属性要素的比对结果为不符合要求。
应当理解，上述的比对方式仅仅是为了方便理解，具体采用何种方式，根据实际情况设定。
为更好理解，举例如下：当前险种为意外险，该险种的属性要素是保额，保额的实际金额是90000，若此时该属性要素在规则库中的标准保额为100000，且该校验条件是不可超过，那么根据该校验条件，将实际保额是90000与标准保额为100000比对之后，发现所述属性要素的比对结果符合校验条件，即可得知该属性要素的比对结果是符合要求的。其它各个属性要素的比对方式与上述一致，此处不做多余赘述。
最终，确定子模块34根据各个属性要素的比对结果，确定所述保单的核保结果。具体地，所述确定子模块34包括：
分类单元，用于根据各个属性要素的比对结果，对各个属性要素进行分类；
第二确定单元，用于若符合要求的属性要素与所有属性要素的数量比值介于预设阈值范围内，则确定所述保单的核保结果为人工核保；
所述第二确定单元，还用于若符合要求的属性要素与所有属性要素的数量比值小于所述预设阈值范围的最小边界值，则确定所述保单的核保结果为拒保；
所述第二确定单元，还用于若符合要求的属性要素与所有属性要素的数量比值大于所述预设阈值范围的最大边界值，则确定所述保单的核保结果为合格。
在本实施例中，在确定各个属性要素的比对结果之后，分类单元根据各个属性要素的比对结果，将各个属性要素分成两类，即符合要求的分成一类，不符合要求的分成一类，并且第二确定单元确定两类的个数。然后，将符合要求的属性要素的个数除以所有属性要素的总数，得到符合要求的属性要素与所有属性要素的数量比值，并将该数量比值与预设阈值范围进行比较，若该数量比值小于所述预设阈值范围的最小边界值，说明该保单中的大部分属性要素都不符合要求，则将该保单的核保结果设置为拒保；若该数量比值大于所述预设阈值范围的最大边界值，说明该保单中的大部分属性要素都符合要求，则将该保单的核保结果设置为合格；若该数量比值介于预设阈值范围内，则将该保单的核保结果设置为人工核保，以便于转向人工进行进一步核保。
应当理解，本方案是避免核保师把保单中的所有资料都进行查看核保，而是通过半自动化控制，把保单中的一些信息分类出来，确定出哪些是需要拒保的，哪些是需要人工核保的，哪些是合格的，然后再对需要人工核保的保单进行核保，而拒保或合格的保单就不需要人工进行查看了，节省了时间，提高了工作效率。
本实施例提出的保单核保装置，在接收到保单核保指令时，先确定待核保的保单对应的险种，以及所述险种所包含的属性要素，然后在预设的规则库中，根据预设的属性要素与规则的对应关系，获取确定的所述属性要素对应的规则，最终采用获取的所述规则，对所述险种中对应的所述属性要素进行分析，以确定所述保单的核保结果。实现了根据属性要素对应的规则，对保单中的属性要素进行分析，以确定保单的核保结果，相当于是采用规则将保单进行归类，需要人工核保的再进行人工核保，而不是所有保单都进行人工核保，避免了人力的浪费，还提高了保单核保的效率。
进一步地，基于第一实施例提出本申请保单核保装置的第二实施例，在本实施例中，所述保单核保的装置还包括设置模块和添加存储模块；
所述确定模块10，还用于确定险种所包含的各个属性要素；
所述设置模块，用于对险种包含的各个属性要素进行相关性的设置；
所述设置模块，还用于在有属性要素是险种相关的属性要素时，对所述属性要素设置标准值和校验条件；
所述添加存储模块，用于对所述标准值和校验条件添加所述属性要素的标识，以作为所述属性要素的规则存储到所述规则库中。
在本实施例中，在对保单进行核保之前，先对险种进行设置，也就是说，在开发险种时，对险种包含的属性要素进行规定，然后所述设置模块对险种包含的各个属性要素进行相关性的设置，其中，哪些属性要素需要进行相关性的设置，根据险种具体的需求而定。本实施例中，优选对需要与险种设置相关性的属性要素添加预设标志位如1，不需要设置相关性的属性要素可设置另一个标志位如0，或者是不做任何设置。在对属性要素设置相关性之后，再对所述属性要素设置标准值和校验条件，最终对所述标准值和校验条件添加所述属性要素的标识，以作为所述属性要素的规则存储到所述规则库中。以便于后续进行保单核保时，根据属性要素预设的规则，进行保单的核保分析。
本实施例中，事先设置险种的各个属性要素所对应的规则，后续便于采用规则将保单进行归类，需要人工核保的再进行人工核保，而不是所有保单都进行人工核保，避免了人力的浪费，提高了保单核保的效率。
需要说明的是，在硬件实现上，以上确定模块10、获取模块20及分析模块30等可以以硬件形式内嵌于或独立于保单核保的装置中，也可以以软件形式存储于保单核保的装置的存储器中，以便于处理器调用执行以上各个模块对应的操作。该处理器可以为中央处理单元（CPU)、微处理器、单片机等。
参照图7，图7是本发明实施例方案涉及的硬件运行环境的设备结构示意图。
本发明实施例保单核保的设备可以是PC，也可以是智能手机、平板电脑、便携计算机等终端设备。
如图7所示，该保单核保的设备可以包括：处理器1001，例如CPU，网络接口1002，用户接口1003，存储器1004。这些组件之间的连接通信可以通过通信总线实现。网络接口1002可选的可以包括标准的有线接口（用于连接有线网络）、无线接口（如WI-FI接口、蓝牙接口、红外线接口等，用于连接无线网络）。用户接口1003可以包括显示屏（Display）、输入单元比如键盘（Keyboard），可选用户接口1003还可以包括标准的有线接口（例如用于连接有线键盘、有线鼠标等）、无线接口（例如用于连接无线键盘、无线鼠标）。存储器1004可以是高速RAM存储器，也可以是稳定的存储器（non-volatile memory），例如磁盘存储器。存储器1004可选的还可以是独立于前述处理器1001的存储装置。
可选地，该保单核保的设备还可以包括摄像头、RF（Radio Frequency，射频）电路，传感器、音频电路、WiFi模块等等。
本领域技术人员可以理解，图7中示出的保单核保的设备结构并不构成对保单核保的设备的限定，可以包括比图示更多或更少的部件，或者组合某些部件，或者不同的部件布置。
如图7所示，作为一种计算机存储介质的存储器1004中可以包括操作系统、网络通信模块、用户接口模块以及保单核保的程序。其中，操作系统是管理和控制保单核保的设备硬件与软件资源的程序，支持网络通信模块、用户接口模块、保单核保的程序以及其他程序或软件的运行；网络通信模块用于管理和控制网络接口1002；用户接口模块用于管理和控制用户接口1003。
在图7所示的保单核保的设备中，而处理器1001可以用于执行存储器1004中存储的保单核保的程序，以实现以下步骤：
在接收到保单核保指令时，确定待核保的保单对应的险种，以及所述险种所包含的属性要素；
在预设的规则库中，根据预设的属性要素与规则的对应关系，获取确定的所述属性要素对应的规则；
采用获取的所述规则，对所述险种中对应的所述属性要素进行分析，以确定所述保单的核保结果。
进一步地，在属性要素包括多个属性要素时，处理器1001还用于执行所述保单核保的程序，以实现采用获取的所述规则，对所述险种中对应的所述属性要素进行分析，以确定所述保单的核保结果的步骤：
在所述险种中查询各个属性要素的实际值；
从各个属性要素对应的规则中获取各个属性要素的标准值，以及各个属性要素对应的校验条件；
根据各个属性要素对应的校验条件，将各个属性要素的实际值与各个属性要素对应的标准值进行比对，以确定各个属性要素的比对结果，其中，所述比对结果包括符合要求和不符合要求两种；
根据各个属性要素的比对结果，确定所述保单的核保结果。
进一步地，处理器1001还用于执行所述保单核保的程序，以实现在所述险种中查询各个属性要素的实际值的步骤：
在所述险种所包含的各个属性要素中，确定与所述险种相关的各个属性要素；
查询与所述险种相关的各个属性要素的实际值。
进一步地，处理器1001还用于执行所述保单核保的程序，以实现根据各个属性要素的比对结果，确定所述保单的核保结果的步骤：
根据各个属性要素的比对结果，对各个属性要素进行分类；
若符合要求的属性要素与所有属性要素的数量比值介于预设阈值范围内，则确定所述保单的核保结果为人工核保；
若符合要求的属性要素与所有属性要素的数量比值小于所述预设阈值范围的最小边界值，则确定所述保单的核保结果为拒保；
若符合要求的属性要素与所有属性要素的数量比值大于所述预设阈值范围的最大边界值，则确定所述保单的核保结果为合格。
进一步地，所述在接收到保单核保指令时，确定待核保的保单对应的险种的步骤之前，处理器1001还用于执行所述保单核保的程序，以实现以下步骤：
确定险种所包含的各个属性要素；
对险种包含的各个属性要素进行相关性的设置；
在有属性要素是险种相关的属性要素时，对所述属性要素设置标准值和校验条件；
对所述标准值和校验条件添加所述属性要素的标识，以作为所述属性要素的规则存储到所述规则库中。
本发明提供了一种计算机可读存储介质，所述计算机可读存储介质存储有保单核保的程序，所述保单核保的程序被处理器执行，以实现以下步骤：
在接收到保单核保指令时，确定待核保的保单对应的险种，以及所述险种所包含的属性要素；
在预设的规则库中，根据预设的属性要素与规则的对应关系，获取确定的所述属性要素对应的规则；
采用获取的所述规则，对所述险种中对应的所述属性要素进行分析，以确定所述保单的核保结果。
进一步地，在属性要素包括多个属性要素时，所述保单核保的程序被处理器执行，还实现采用获取的所述规则，对所述险种中对应的所述属性要素进行分析，以确定所述保单的核保结果的步骤：
在所述险种中查询各个属性要素的实际值；
从各个属性要素对应的规则中获取各个属性要素的标准值，以及各个属性要素对应的校验条件；
根据各个属性要素对应的校验条件，将各个属性要素的实际值与各个属性要素对应的标准值进行比对，以确定各个属性要素的比对结果，其中，所述比对结果包括符合要求和不符合要求两种；
根据各个属性要素的比对结果，确定所述保单的核保结果。
进一步地，所述保单核保的程序被处理器执行，还实现在所述险种中查询各个属性要素的实际值的步骤：
在所述险种所包含的各个属性要素中，确定与所述险种相关的各个属性要素；
查询与所述险种相关的各个属性要素的实际值。
进一步地，所述保单核保的程序被处理器执行，还实现根据各个属性要素的比对结果，确定所述保单的核保结果的步骤：
根据各个属性要素的比对结果，对各个属性要素进行分类；
若符合要求的属性要素与所有属性要素的数量比值介于预设阈值范围内，则确定所述保单的核保结果为人工核保；
若符合要求的属性要素与所有属性要素的数量比值小于所述预设阈值范围的最小边界值，则确定所述保单的核保结果为拒保；
若符合要求的属性要素与所有属性要素的数量比值大于所述预设阈值范围的最大边界值，则确定所述保单的核保结果为合格。
进一步地，所述在接收到保单核保指令时，确定待核保的保单对应的险种的步骤之前，所述保单核保的程序被处理器执行，还实现以下步骤：
确定险种所包含的各个属性要素；
对险种包含的各个属性要素进行相关性的设置；
在有属性要素是险种相关的属性要素时，对所述属性要素设置标准值和校验条件；
对所述标准值和校验条件添加所述属性要素的标识，以作为所述属性要素的规则存储到所述规则库中。
需要说明的是，在本文中，术语“包括”、“包含”或者其任何其它变体意在涵盖非排他性的包含，从而使得包括一系列要素的过程、方法、物品或者装置不仅包括那些要素，而且还包括没有明确列出的其它要素，或者是还包括为这种过程、方法、物品或者装置所固有的要素。在没有更多限制的情况下，由语句“包括一个……”限定的要素，并不排除在包括该要素的过程、方法、物品或者装置中还存在另外的相同要素。
上述本申请实施例序号仅仅为了描述，不代表实施例的优劣。
以上仅为本申请的优选实施例，并非因此限制本申请的专利范围，凡是利用本申请说明书及附图内容所作的等效结构或等效流程变换，或直接或间接运用在其它相关的技术领域，均同理包括在本申请的专利保护范围内。

Claims (20)

  1. 一种保单核保的方法，其特征在于，所述保单核保的方法包括：
    在接收到保单核保指令时，确定待核保的保单对应的险种，以及所述险种所包含的属性要素；
    在预设的规则库中，根据预设的属性要素与规则的对应关系，获取确定的所述属性要素对应的规则；
    采用获取的所述规则，对所述险种中对应的所述属性要素进行分析，以确定所述保单的核保结果。
  2. 如权利要求1所述的保单核保的方法，其特征在于，在属性要素包括多个属性要素时，所述采用获取的所述规则，对所述险种中对应的所述属性要素进行分析，以确定所述保单的核保结果的步骤包括：
    在所述险种中查询各个属性要素的实际值；
    从各个属性要素对应的规则中获取各个属性要素的标准值，以及各个属性要素对应的校验条件；
    根据各个属性要素对应的校验条件，将各个属性要素的实际值与各个属性要素对应的标准值进行比对，以确定各个属性要素的比对结果，其中，所述比对结果包括符合要求和不符合要求两种；
    根据各个属性要素的比对结果，确定所述保单的核保结果。
  3. 如权利要求2所述的保单核保的方法，其特征在于，所述在所述险种中查询各个属性要素的实际值的步骤包括：
    在所述险种所包含的各个属性要素中，确定与所述险种相关的各个属性要素；
    查询与所述险种相关的各个属性要素的实际值。
  4. 如权利要求2所述的保单核保的方法，其特征在于，所述根据各个属性要素的比对结果，确定所述保单的核保结果的步骤包括：
    根据各个属性要素的比对结果，对各个属性要素进行分类；
    若符合要求的属性要素与所有属性要素的数量比值介于预设阈值范围内，则确定所述保单的核保结果为人工核保；
    若符合要求的属性要素与所有属性要素的数量比值小于所述预设阈值范围的最小边界值，则确定所述保单的核保结果为拒保；
    若符合要求的属性要素与所有属性要素的数量比值大于所述预设阈值范围的最大边界值，则确定所述保单的核保结果为合格。
  5. 如权利要求2所述的保单核保的方法，其特征在于，所述在接收到保单核保指令时，确定待核保的保单对应的险种的步骤之前，所述保单核保的方法还包括：
    确定险种所包含的各个属性要素；
    对险种包含的各个属性要素进行相关性的设置；
    在有属性要素是险种相关的属性要素时，对所述属性要素设置标准值和校验条件；
    对所述标准值和校验条件添加所述属性要素的标识，以作为所述属性要素的规则存储到所述规则库中。
  6. 一种保单核保的装置，其特征在于，所述保单核保的装置包括：
    确定模块，用于在接收到保单核保指令时，确定待核保的保单对应的险种，以及所述险种所包含的属性要素；
    获取模块， 用于在预设的规则库中，根据预设的属性要素与规则的对应关系，获取确定的所述属性要素对应的规则；
    分析模块，用于采用获取的所述规则，对所述险种中对应的所述属性要素进行分析，以确定所述保单的核保结果。
  7. 如权利要求6所述的保单核保的装置，其特征在于，在属性要素包括多个属性要素时，所述分析模块包括：
    查询子模块，用于在所述险种中查询各个属性要素的实际值；
    获取子模块，用于从各个属性要素对应的规则中获取各个属性要素的标准值，以及各个属性要素对应的校验条件；
    比对子模块，用于根据各个属性要素对应的校验条件，将各个属性要素的实际值与各个属性要素对应的标准值进行比对，以确定各个属性要素的比对结果，其中，所述比对结果包括符合要求和不符合要求两种；
    确定子模块，用于根据各个属性要素的比对结果，确定所述保单的核保结果。
  8. 如权利要求7所述的保单核保的装置，其特征在于，所述查询子模块包括：
    第一确定单元，用于在所述险种所包含的各个属性要素中，确定与所述险种相关的各个属性要素；
    查询单元，用于查询与所述险种相关的各个属性要素的实际值。
  9. 如权利要求7所述的保单核保的装置，其特征在于，所述确定子模块包括：
    分类单元，用于根据各个属性要素的比对结果，对各个属性要素进行分类；
    第二确定单元，用于若符合要求的属性要素与所有属性要素的数量比值介于预设阈值范围内，则确定所述保单的核保结果为人工核保；
    所述第二确定单元，还用于若符合要求的属性要素与所有属性要素的数量比值小于所述预设阈值范围的最小边界值，则确定所述保单的核保结果为拒保；
    所述第二确定单元，还用于若符合要求的属性要素与所有属性要素的数量比值大于所述预设阈值范围的最大边界值，则确定所述保单的核保结果为合格。
  10. 如权利要求7所述的保单核保的装置，其特征在于，所述确定模块，还用于确定险种所包含的各个属性要素；
    所述保单核保的装置还包括：
    设置模块，用于对险种包含的各个属性要素进行相关性的设置；
    所述设置模块，还用于在有属性要素是险种相关的属性要素时，对所述属性要素设置标准值和校验条件；
    添加存储模块，用于对所述标准值和校验条件添加所述属性要素的标识，以作为所述属性要素的规则存储到所述规则库中。
  11. 一种保单核保的设备，其特征在于，所述保单核保的设备包括处理器、以及存储有保单核保的程序的存储器；所述处理器用于执行所述保单核保的程序，以实现以下步骤：
    在接收到保单核保指令时，确定待核保的保单对应的险种，以及所述险种所包含的属性要素；
    在预设的规则库中，根据预设的属性要素与规则的对应关系，获取确定的所述属性要素对应的规则；
    采用获取的所述规则，对所述险种中对应的所述属性要素进行分析，以确定所述保单的核保结果。
  12. 如权利要求11所述的保单核保的设备，其特征在于，在属性要素包括多个属性要素时，所述处理器还用于执行所述保单核保的程序，以实现采用获取的所述规则，对所述险种中对应的所述属性要素进行分析，以确定所述保单的核保结果的步骤：
    在所述险种中查询各个属性要素的实际值；
    从各个属性要素对应的规则中获取各个属性要素的标准值，以及各个属性要素对应的校验条件；
    根据各个属性要素对应的校验条件，将各个属性要素的实际值与各个属性要素对应的标准值进行比对，以确定各个属性要素的比对结果，其中，所述比对结果包括符合要求和不符合要求两种；
    根据各个属性要素的比对结果，确定所述保单的核保结果。
  13. 如权利要求12所述的保单核保的设备，其特征在于，所述处理器还用于执行所述保单核保的程序，以实现在所述险种中查询各个属性要素的实际值的步骤：
    在所述险种所包含的各个属性要素中，确定与所述险种相关的各个属性要素；
    查询与所述险种相关的各个属性要素的实际值。
  14. 如权利要求12所述的保单核保的设备，其特征在于，所述处理器还用于执行所述保单核保的程序，以实现根据各个属性要素的比对结果，确定所述保单的核保结果的步骤：
    根据各个属性要素的比对结果，对各个属性要素进行分类；
    若符合要求的属性要素与所有属性要素的数量比值介于预设阈值范围内，则确定所述保单的核保结果为人工核保；
    若符合要求的属性要素与所有属性要素的数量比值小于所述预设阈值范围的最小边界值，则确定所述保单的核保结果为拒保；
    若符合要求的属性要素与所有属性要素的数量比值大于所述预设阈值范围的最大边界值，则确定所述保单的核保结果为合格。
  15. 如权利要求12所述的保单核保的设备，其特征在于，所述在接收到保单核保指令时，确定待核保的保单对应的险种的步骤之前，所述处理器还用于执行所述保单核保的程序，以实现以下步骤：
    确定险种所包含的各个属性要素；
    对险种包含的各个属性要素进行相关性的设置；
    在有属性要素是险种相关的属性要素时，对所述属性要素设置标准值和校验条件；
    对所述标准值和校验条件添加所述属性要素的标识，以作为所述属性要素的规则存储到所述规则库中。
  16. 一种计算机可读存储介质，其特征在于，所述计算机可读存储介质存储有保单核保的程序，所述保单核保的程序被处理器执行，以实现以下步骤：
    在接收到保单核保指令时，确定待核保的保单对应的险种，以及所述险种所包含的属性要素；
    在预设的规则库中，根据预设的属性要素与规则的对应关系，获取确定的所述属性要素对应的规则；
    采用获取的所述规则，对所述险种中对应的所述属性要素进行分析，以确定所述保单的核保结果。
  17. 如权利要求16所述的计算机可读存储介质，其特征在于，在属性要素包括多个属性要素时，所述保单核保的程序被处理器执行，还实现采用获取的所述规则，对所述险种中对应的所述属性要素进行分析，以确定所述保单的核保结果的步骤：
    在所述险种中查询各个属性要素的实际值；
    从各个属性要素对应的规则中获取各个属性要素的标准值，以及各个属性要素对应的校验条件；
    根据各个属性要素对应的校验条件，将各个属性要素的实际值与各个属性要素对应的标准值进行比对，以确定各个属性要素的比对结果，其中，所述比对结果包括符合要求和不符合要求两种；
    根据各个属性要素的比对结果，确定所述保单的核保结果。
  18. 如权利要求17所述的计算机可读存储介质，其特征在于，所述保单核保的程序被处理器执行，还实现在所述险种中查询各个属性要素的实际值的步骤：
    在所述险种所包含的各个属性要素中，确定与所述险种相关的各个属性要素；
    查询与所述险种相关的各个属性要素的实际值。
  19. 如权利要求17所述的计算机可读存储介质，其特征在于，所述保单核保的程序被处理器执行，还实现根据各个属性要素的比对结果，确定所述保单的核保结果的步骤：
    根据各个属性要素的比对结果，对各个属性要素进行分类；
    若符合要求的属性要素与所有属性要素的数量比值介于预设阈值范围内，则确定所述保单的核保结果为人工核保；
    若符合要求的属性要素与所有属性要素的数量比值小于所述预设阈值范围的最小边界值，则确定所述保单的核保结果为拒保；
    若符合要求的属性要素与所有属性要素的数量比值大于所述预设阈值范围的最大边界值，则确定所述保单的核保结果为合格。
  20. 如权利要求17所述的计算机可读存储介质，其特征在于，所述在接收到保单核保指令时，确定待核保的保单对应的险种的步骤之前，所述保单核保的程序被处理器执行，还实现以下步骤：
    确定险种所包含的各个属性要素；
    对险种包含的各个属性要素进行相关性的设置；
    在有属性要素是险种相关的属性要素时，对所述属性要素设置标准值和校验条件；
    对所述标准值和校验条件添加所述属性要素的标识，以作为所述属性要素的规则存储到所述规则库中。
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