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WO2018184549A1 - Procédé et dispositif de révision de taux de cotisation d'une police d'assurance, appareil terminal et support - Google Patents

Procédé et dispositif de révision de taux de cotisation d'une police d'assurance, appareil terminal et support Download PDF

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Publication number
WO2018184549A1
WO2018184549A1 PCT/CN2018/081823 CN2018081823W WO2018184549A1 WO 2018184549 A1 WO2018184549 A1 WO 2018184549A1 CN 2018081823 W CN2018081823 W CN 2018081823W WO 2018184549 A1 WO2018184549 A1 WO 2018184549A1
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WIPO (PCT)
Prior art keywords
range
ratio
salesperson
policy
department
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PCT/CN2018/081823
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English (en)
Chinese (zh)
Inventor
吴思佳
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平安科技（深圳）有限公司
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Publication of WO2018184549A1 publication Critical patent/WO2018184549A1/fr

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    • 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
    • G06Q10/00—Administration; Management
    • G06Q10/06—Resources, workflows, human or project management; Enterprise or organisation planning; Enterprise or organisation modelling
    • G06Q10/063—Operations research, analysis or management
    • G06Q10/0639—Performance analysis of employees; Performance analysis of enterprise or organisation operations
    • G06Q10/06393—Score-carding, benchmarking or key performance indicator [KPI] analysis
    • 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 belongs to the field of information processing technology, and in particular, to a method, device, terminal device and medium for reviewing the contribution ratio of a policy.
  • the clerk of an insurance company generally relies on the commission of the insurance policy to complete the insurance as the main source of income for the individual. Therefore, for the salesperson, the contribution ratio of the policy (ie, the commission ratio) has a great influence on his personal income and enthusiasm.
  • the embodiments of the present application provide a method, a device, a terminal device, and a medium for reviewing the contribution ratio of a policy, so as to solve the problem of low efficiency and poor accuracy of the contribution ratio modification in the prior art.
  • the first aspect of the embodiment of the present application provides a method for reviewing the contribution ratio of a policy, including:
  • the new contribution ratio falls within the modifiable scale range, determining that the audit result of the contribution ratio modification request is a pass, and modifying the contribution ratio of the contribution ratio modification request corresponding to the policy to the new contribution ratio ;
  • a second aspect of the embodiments of the present application provides a policy for reviewing the contribution ratio of a policy, including:
  • a historical contribution ratio obtaining module configured to obtain a historical contribution ratio corresponding to a historical policy that the salesperson has paid commission
  • a proportional variance calculation module configured to form the respective historical contribution proportions into an array of ratios, and calculate a variance of the proportional array
  • the configurable range calculation module is configured to calculate a modifiable scale range according to the variance and a preset ratio range of the department where the salesperson is located;
  • a first auditing module if the new contribution ratio falls within the modifiable scale range, determining that the audit result of the contribution ratio modification request is a pass, and the contributing proportion of the contribution ratio modification request corresponding to the policy Revised to the new contribution ratio;
  • the second auditing module is configured to determine that the audit result of the contribution ratio modification request is not passed if the new contribution ratio does not fall within the modifiable scale range.
  • a third aspect of the embodiments of the present application provides a terminal device, including a memory and a processor, where the computer stores computer readable instructions executable on the processor, the processor executing the computer
  • the steps of the contribution ratio review method of the policy as described in the first aspect are implemented when the instruction is read.
  • a fourth aspect of the embodiments of the present application provides a computer readable storage medium storing computer readable instructions, the computer readable instructions being executed by a processor to implement the first aspect as described in the first aspect The contribution of the policy to the proportion of the steps of the review method.
  • a salesperson's contribution ratio modification request and a new contribution ratio to be audited are obtained; and then, each historical contribution ratio corresponding to the salesman's commissioned historical policy is obtained; Proportional composition ratio array, and calculating a variance of the proportional array; then, calculating a modifiable scale range according to the variance and a preset ratio range of the department where the salesperson is located; if the new contribution ratio falls within the modifiable Within the range of the ratio, determining that the audit result of the contribution ratio modification request is a pass, and modifying the contribution ratio of the contribution ratio modification request corresponding to the policy to the new contribution ratio; if the new contribution ratio does not fall within the If the range of the scale can be modified, it is determined that the result of the review of the contribution ratio modification request is not passed.
  • the new contribution ratio of the current modification of the salesperson can be audited through the realizable calculated range of the scale, and the audit result is obtained, which not only saves the human resources of the audit, but also improves the efficiency and accuracy of the review of the contribution ratio modification. It has a positive impact on the enthusiasm of the salesperson.
  • FIG. 1 is a flow chart of an embodiment of a method for reviewing a contribution ratio of a policy in an embodiment of the present application
  • FIG. 2 is a schematic flowchart of a process for determining a preset ratio range of a policy contribution ratio review method in an embodiment of the present application
  • FIG. 3 is a schematic flowchart of step 203 of a method for reviewing the contribution ratio of a policy in an application scenario according to an embodiment of the present application;
  • FIG. 4 is a schematic flowchart of adjusting a scalable ratio range of a policy contribution ratio review method in an embodiment of the present application
  • FIG. 5 is a schematic flowchart of step 403 of a policy contribution ratio review method of the policy shown in FIG. 4 in an application scenario;
  • FIG. 6 is a structural block diagram of a contribution ratio review apparatus for a policy in an embodiment of the present application.
  • FIG. 7 is a schematic diagram of a terminal device according to an embodiment of the present application.
  • an embodiment of a policy for reviewing the contribution ratio of a policy in the embodiment of the present application includes:
  • the insurance company may initiate a contribution ratio modification request and submit a new contribution ratio that the salesperson wants, so that the system can obtain the contribution ratio modification.
  • the new contribution ratio mentioned here refers to which contribution ratio the salesperson wishes to modify the contribution ratio of the policy.
  • the default contribution ratio of the policy is 0.5 (ie 50%), and the salesman wants to increase the contribution ratio to 0.7.
  • the new contribution ratio to be reviewed is 0.7. It can be seen that if the request submitted by the salesperson is approved, the contribution ratio of the policy will be revised to 0.7 as expected by the salesperson.
  • the system may obtain the historical policy of the sales commission of the salesperson and the corresponding historical policies from the database of the insurance company, such as the business database and the policy database. The proportion of each historical contribution.
  • the historical policy of the above-mentioned commissioned commission refers to the policy that the salesperson has completed the sales work of the insurance company and has obtained the commission. It can be understood that since the commissions of these historical policies have been raised, and thus the contribution ratio of these historical policies has been determined, it can be used as reference data for the salesperson to modify the contribution ratio.
  • the salesperson does not have a historical policy in the insurance company, for example, the salesperson is a new employee of the insurance company, no insurance policy is signed, so the historical policy in step 102 is 0, and the obtained historical policy corresponds.
  • the historical contribution ratio is also zero.
  • the variance of the ratio of the historical contribution ratio of the salesperson can be used to measure the fluctuation of the historical contribution ratio of the salesperson, and has a certain reference value for the subsequent contribution ratio of the modification. .
  • the preset ratio range of the department where the salesperson is located and the variance calculated by the above real-time calculation are introduced.
  • the sum of the preset proportional range and the variance can be calculated to determine the modifiable scale range. For example, if the preset scale range is [0, 0.7] and the variance value is 0.1, the calculated modifiable scale range is [0.1, 0.8].
  • the preset ratio range of the department where the salesperson is located can be obtained in various ways.
  • the preset scale range can be preset by the department head according to the actual situation of the department, for example, directly set to [0, 0.7] above.
  • the preset ratio range may also be obtained by the following steps, as shown in FIG. 2:
  • step 201 it can be understood that in the insurance industry, the types of different types of insurance often have different contribution ratios. For example, the contribution rate of pension insurance policies is generally low, while the contribution ratio of property insurance policies is relatively high. Therefore, before evaluating whether the new contribution ratio is reasonable, the type of insurance for the contribution ratio modification request corresponding policy can be obtained, and then the step ratio 202 determines the proportion range corresponding to the type of the insurance.
  • step 202 various scale ranges may be preset in the insurance company system, and these preset scale ranges are respectively in one-to-one correspondence with different types of insurance.
  • step 201 determines that the contribution ratio modification request corresponds to the type of insurance policy, the scale range corresponding to the type of the insurance can be determined.
  • the risk rate is an important indicator of the insurance operation cost of the department in which the salesperson is located. Therefore, the range of the selected ratio can be adjusted by using the risk rate, so that the final predetermined range of the ratio is more reasonable.
  • the higher the risk rate that is, the greater the number of claims
  • the higher the operating cost Accordingly, the lower the profit of the department, the lower the ratio should be adjusted; on the contrary, the lower the risk rate, It means that the lower the operating cost, correspondingly, the higher the profit of the department, the higher the ratio should be adjusted.
  • the foregoing step 203 may include:
  • the department's risk rate is an important indicator to measure the insurance operation cost of the department where the salesperson is located.
  • the risk rate mentioned here can be the risk rate of the previous month, or the risk rate of the previous year of the department. There is no restriction here.
  • the average risk rate refers to the average of the risk rates of the various business units in the insurance company. Similar to the departmental risk rate, the average risk rate can be the average risk rate of each department of the insurance company in the previous month, or the average risk rate of each department of the insurance company in the previous year. There is no restriction here.
  • step 303 the risk rate of the department is compared with the average risk rate, and then steps 304, 305, and 306 are performed according to different comparison results.
  • step 304 it can be understood that when the risk rate of the department is greater than the average risk rate of the insurance company, it indicates that the risk rate of the department of the salesperson is higher than the average value, that is, the cost of the policy is higher than the average value,
  • the department in which the salesperson is located should be penalized in proportion to the contribution. Therefore, it is possible to calculate an excess ratio value of the risk ratio of the department in which the department exceeds the average risk rate, and then lower the selected range of the ratio according to the excess ratio value. For example, if the risk ratio of the department is 0.2 and the average risk is 0.1, the excess is 50%. At this time, the range of the selected ratio should be reduced by 50%, that is, the ratio range obtained by the assumption is [0, 0.8], and the scale range [0, 0.4] is obtained after the reduction.
  • step 305 similarly, when the departmental risk rate is less than the average insurance rate of the insurance company, it indicates that the sales rate of the department where the salesperson is located is lower than the average value, that is, the cost of the policy is lower than the average value, and the salesperson is located.
  • the department should be rewarded for the proportion of contributions. Therefore, the falling ratio value of the risk rate of the department in question relative to the average risk rate may be calculated, and the range of the selected ratio may be increased according to the falling ratio value. For example, suppose the risk rate of the department is 0.08 and the average risk rate is 0.1, then the rate of decline is 20%. At this time, the range of the selected ratio should be increased by 20%, that is, the ratio range obtained by the assumption is [0, 0.8], and the scale range [0, 0.96] is obtained after the adjustment.
  • step 306 it is easy to understand that when the departmental risk rate is equal to the average risk rate of the insurance company, there is no need to adjust the selected range of the ratio.
  • step 105 after calculating the modifiable scale range, the following step 105 can generally be performed, and the modifiable scale range is used to determine whether the new contribution ratio is reasonable. However, when needed, in order to make the modifiable scale range more reasonable and accurate, the calculated modifiable scale range can also be adjusted.
  • step 105 before performing step 105, the following steps may also be included:
  • step 401 for example, the policy billing performance of the salesperson in the most recent month can be obtained.
  • the KPI indicator is a key indicator of the salesperson and is one of the important indicators for measuring the business capability of the salesperson. Therefore, when the modifiable scale range adjustment is made, if the KPI index is higher, the modifiable scale range should be adjusted accordingly.
  • step 403 considering the performance of the policy in the most recent time period of the salesperson and the KPI indicator of the salesperson, comprehensively considering the two factors allows the incentive degree to the salesperson, that is, Can be modified within the scale range.
  • the foregoing step 403 may specifically include:
  • step 501 determining whether the policy billing performance and the KPI index meet the preset index condition of the department of the salesperson, if yes, proceed to step 502, and if not, proceed to step 503;
  • the salesperson is given a certain degree of incentives considering the two factors of the policy billing performance and the KPI index, the purpose of which is to motivate the excellent salesperson and allow the excellent salesperson to have more Modify the contribution ratio space, not to punish the unqualified or poor salesman. Therefore, if the salesperson's policy billing performance or the KPI indicator does not meet the department's preset index conditions, the modifiable scale range may not be adjusted.
  • the performance of the policy may be issued according to the policy, and the KPI
  • the indicator and the preset indicator condition are increased by the modifiable scale range, and the modifiable scale range after the height adjustment is obtained. Specifically, it may be calculated that the value of the policy condition of the policy and the KPI indicator are respectively exceeded, and then the amount of the modifiable range is determined according to the proportion of the excess.
  • the salesperson’s policy issuance is 10
  • the department’s default indicator is 8, and the first factor is over 25%
  • the salesperson’s KPI is 40, and the salesperson’s
  • the KPI indicator be 35
  • the second factor partially exceeds the ratio of 14%
  • the system sets different proportion intervals for each factor part out of proportion, and the different ratio intervals correspond to the addition value of the unchangeable scale range.
  • the ratio interval of the first factor part is [0, 30%]
  • the ratio of the ratio is 0.1
  • the ratio of the second factor is [0, 20%]
  • the modifiable scale range calculated in step 104 is [0, 0.8]
  • the adjusted modifiable scale range is [0.15, 0.95].
  • the upper limit value or the lower limit value of the modifiable proportional range may be set in advance when the upper limit value or the lower limit value of the modifiable ratio range is exceeded.
  • the upper limit value or the lower limit value of the modifiable scale range is modified to the upper limit of the ratio. For example, suppose the upper limit of the department setting of a salesperson is 0.5, and the range of modifiable ratios calculated and adjusted by the above steps is [0.15, 0.95]. At this time, since 0.95>0.5, the The modified scale range is modified to [0.15, 0.5].
  • step 106 it is determined whether the new contribution ratio falls within the range of the modifiable ratio, and if so, step 106 is performed, and if not, step 107 is performed;
  • the new contribution ratio falls within the modifiable scale range, it indicates that the new contribution ratio is reasonable and acceptable, so the audit result is determined to be passed, and the contribution ratio of the policy is modified to the new contribution ratio. .
  • the salesperson may also apply for a manual approval process, and may specify the approval personnel of each link in the approval chain of the manual approval process. After the manual approval process is determined, the approval chain will automatically flow, and real-time email reminders will be sent to the approval personnel of each link through the system background push notification to achieve standardized approval operations.
  • the salesperson can also provide relevant materials by uploading pictures, attachments, etc., or send e-mails to urge each approving officer to expedite the review. In this regard, the embodiment is not limited.
  • FIG. 6 is a structural block diagram of the contribution ratio review apparatus of the policy provided by the embodiment of the present application. For the convenience of description, only the embodiment of the present application is shown. Related parts.
  • a policy contribution ratio review device includes:
  • the request obtaining module 601 is configured to obtain a salesperson's contribution ratio modification request and a new contribution ratio to be audited;
  • the historical contribution ratio obtaining module 602 is configured to obtain each historical contribution ratio corresponding to the history policy of the salesperson of the salesperson;
  • a proportional variance calculation module 603 configured to form the respective historical contribution ratios into an array of ratios, and calculate a variance of the proportional array
  • a modifiable range calculation module 604 configured to calculate a modifiable scale range according to the variance and a preset ratio range of the department where the salesperson is located;
  • the first review module 605 is configured to: if the new contribution ratio falls within the modifiable scale range, determine that the audit result of the contribution ratio modification request is a pass, and the contribution ratio modification request corresponds to the policy contribution The ratio is modified to the new contribution ratio;
  • the second auditing module 606 is configured to determine that the audit result of the contribution ratio modification request is not passed if the new contribution ratio does not fall within the modifiable scale range.
  • the preset ratio range can be obtained by the following modules:
  • a policy type acquisition module configured to obtain a type of insurance for the policy corresponding to the contribution ratio modification request
  • a scale range selection module configured to select a scale range corresponding to the type of insurance from a preset range of each scale
  • the proportional range adjustment module is configured to adjust the selected range of the range according to the risk rate of the department where the salesperson is located, and obtain the adjusted proportional range as the preset proportional range.
  • the proportional range adjustment module may include:
  • a departmental risk rate obtaining unit for obtaining a risk rate of the department in which the salesperson is located
  • the average risk rate obtaining unit is configured to obtain an average risk rate of the insurance company where the salesperson is located;
  • a first adjusting unit configured to calculate, if the risk rate of the department is greater than the average risk rate, calculate an excess ratio of the risk rate of the department that exceeds the average risk rate, and lower the value according to the excess ratio Selecting the obtained range of the ratio, and obtaining a scale range after the reduction as the preset ratio range;
  • a second adjusting unit configured to calculate, when the risk rate of the department is less than the average risk rate, calculate a falling ratio of the risk rate of the department to the average risk rate, and increase the value according to the falling ratio Selecting the obtained range of the ratio to obtain a scale range after the adjustment as the preset ratio range;
  • a third adjusting unit configured to determine, when the risk rate of the department is equal to the average risk rate, determine the range of the selected ratio as the preset ratio range.
  • the contribution ratio review device of the policy may further include:
  • a ratio determining module configured to determine whether the new contribution ratio falls within the modifiable scale range
  • the modifiable scale range is adjusted by the following modules:
  • a billing performance obtaining module configured to obtain a policy billing performance of the salesperson in a recent time period, where the recent time period refers to a preset time length before a time point when the contribution ratio modification request is initiated segment;
  • a KPI indicator obtaining module configured to acquire a KPI indicator of the salesperson
  • the configurable range adjustment module is configured to adjust the modifiable scale range according to the policy billing performance and the KPI indicator, and obtain an adjusted modifiable scale range.
  • the modifiable range adjustment module may include:
  • the indicator condition determining unit is configured to determine whether the policy billing performance and the KPI indicator meet the preset index condition of the department where the salesperson is located;
  • a range adjustment unit configured to: if the determination result of the indicator condition determination unit is yes, increase the range of the modifiable ratio according to the policy billing performance, the KPI indicator, and the preset indicator condition, and obtain The modifiable scale range after the increase;
  • the unit is not adjusted, and if the judgment result of the index condition judging unit is no, the modifiable scale range is not adjusted.
  • FIG. 7 is a schematic diagram of a terminal device according to an embodiment of the present application.
  • the terminal device 7 of this embodiment includes a processor 70 and a memory 71 in which computer readable instructions 72 operable on the processor 70, such as a contribution ratio of a policy, are stored. Review process.
  • the processor 70 executes the computer readable instructions 72, the steps in the embodiment of the contribution ratio review method of each of the above policies are implemented, such as steps 101 to 107 shown in FIG.
  • the processor 70 when executing the computer readable instructions 72, implements the functions of the various modules/units in the various apparatus embodiments described above, such as the functions of the modules 601 through 606 shown in FIG.
  • the computer readable instructions 72 may be partitioned into one or more modules/units that are stored in the memory 71 and executed by the processor 70, To complete this application.
  • the one or more modules/units may be a series of computer readable instruction segments capable of performing a particular function for describing the execution of the computer readable instructions 72 in the terminal device 7.
  • the terminal device 7 may be a computing device such as a desktop computer, a notebook, a palmtop computer, and a cloud server.
  • the terminal device may include, but is not limited to, the processor 70 and the memory 71. It will be understood by those skilled in the art that FIG. 7 is only an example of the terminal device 7, and does not constitute a limitation of the terminal device 7, and may include more or less components than those illustrated, or combine some components or different components.
  • the terminal device may further include an input/output device, a network access device, a bus, and the like.
  • the so-called processor 70 can be a central processing unit (Central Processing Unit, CPU), can also be other general-purpose processors, digital signal processors (DSP), application specific integrated circuits (Application Specific Integrated Circuit (ASIC), Field-Programmable Gate Array (FPGA) or other programmable logic device, discrete gate or transistor logic device, discrete hardware components, etc.
  • the general purpose processor may be a microprocessor or the processor or any conventional processor or the like.
  • the memory 71 may be an internal storage unit of the terminal device 7, such as a hard disk or a memory of the terminal device 7.
  • the memory 71 may also be an external storage device of the terminal device 7, for example, a plug-in hard disk provided on the terminal device 7, a smart memory card (SMC), and a secure digital (SD). Card, flash card, etc. Further, the memory 71 may also include both an internal storage unit of the terminal device 7 and an external storage device.
  • the memory 71 is configured to store the computer readable instructions and other programs and data required by the terminal device.
  • the memory 71 can also be used to temporarily store data that has been output or is about to be output.
  • each functional unit in each embodiment of the present application may be integrated into one processing unit, or each unit may exist physically separately, or two or more units may be integrated into one unit.
  • the above integrated unit can be implemented in the form of hardware or in the form of a software functional unit.
  • the integrated unit if implemented in the form of a software functional unit and sold or used as a standalone product, may be stored in a computer readable storage medium.
  • a computer readable storage medium A number of instructions are included to cause a computer device (which may be a personal computer, server, or network device, etc.) to perform all or part of the steps of the methods described in various embodiments of the present application.
  • the foregoing storage medium includes: a U disk, a mobile hard disk, a read-only memory (ROM), a random access memory (RAM), a magnetic disk, or an optical disk, and the like, which can store program codes. .

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Abstract

L'invention a trait au domaine des techniques de traitement d'informations. L'invention concerne un procédé et un dispositif permettant de réviser un taux de cotisation d'une police d'assurance, ainsi qu'un appareil terminal et un support. Le procédé consiste à : acquérir, à partir d'un agent d'assurance, une demande de modification de taux de cotisation ainsi qu'un nouveau taux de cotisation à réviser ; acquérir les taux de cotisation historiques respectifs correspondant aux polices d'assurance historiques sur la base desquels les commissions ont été reçues par l'agent d'assurance ; combiner les taux de cotisation historiques respectifs en un ensemble de taux, puis calculer une variance de l'ensemble de taux ; effectuer, en fonction de la variance et d'une plage de taux prédéfinie dans une division à laquelle appartient l'agent d'assurance, un calcul afin d'obtenir une plage de modification de taux possible ; et si tel est le cas, déterminer un résultat de révision indiquant que la demande de modification du taux de cotisation est approuvée<u>,</u>, puis modifier un taux de cotisation d'une police d'assurance correspondant à la demande de modification de taux de cotisation en nouveau taux de cotisation ; et si tel n'est pas le cas, déterminer un résultat de révision indiquant que la demande de modification du taux de cotisation est rejetée. La solution résout un problème dans lequel les procédés existants conçus pour réviser les taux de cotisation nécessitent beaucoup de ressources humaines, sont incapables de fournir une révision opportune et offrent une faible précision.
PCT/CN2018/081823 2017-04-06 2018-04-04 Procédé et dispositif de révision de taux de cotisation d'une police d'assurance, appareil terminal et support WO2018184549A1 (fr)

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