CN108648057B - Method, device, equipment and computer readable storage medium for determining invitation mechanism - Google Patents

Method, device, equipment and computer readable storage medium for determining invitation mechanism Download PDF

Info

Publication number
CN108648057B
CN108648057B CN201810445785.1A CN201810445785A CN108648057B CN 108648057 B CN108648057 B CN 108648057B CN 201810445785 A CN201810445785 A CN 201810445785A CN 108648057 B CN108648057 B CN 108648057B
Authority
CN
China
Prior art keywords
invited
score
client
product
purchased
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.)
Active
Application number
CN201810445785.1A
Other languages
Chinese (zh)
Other versions
CN108648057A (en
Inventor
丁家琳
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 Life Insurance Company of China Ltd
Original Assignee
Ping An Life Insurance Company of China Ltd
Priority date (The priority date 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 date listed.)
Filing date
Publication date
Application filed by Ping An Life Insurance Company of China Ltd filed Critical Ping An Life Insurance Company of China Ltd
Priority to CN201810445785.1A priority Critical patent/CN108648057B/en
Publication of CN108648057A publication Critical patent/CN108648057A/en
Application granted granted Critical
Publication of CN108648057B publication Critical patent/CN108648057B/en
Active legal-status Critical Current
Anticipated expiration legal-status Critical

Links

Images

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G06Q30/0601—Electronic shopping [e-shopping]
    • G06Q30/0631—Item recommendations
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0241—Advertisements
    • G06Q30/0251—Targeted advertisements
    • G06Q30/0254—Targeted advertisements based on statistics
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0241—Advertisements
    • G06Q30/0251—Targeted advertisements
    • G06Q30/0255—Targeted advertisements based on user history
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q40/06—Asset management; Financial planning or analysis
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Engineering & Computer Science (AREA)
  • Development Economics (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • Marketing (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Economics (AREA)
  • Theoretical Computer Science (AREA)
  • Entrepreneurship & Innovation (AREA)
  • Game Theory and Decision Science (AREA)
  • Technology Law (AREA)
  • Probability & Statistics with Applications (AREA)
  • Human Resources & Organizations (AREA)
  • Operations Research (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The invention discloses a method, a device, equipment and a computer readable storage medium for determining an invitation mechanism, wherein the method comprises the following steps: after detecting an invitation instruction for inviting a customer to purchase a product to be purchased, acquiring basic information and payment information of the customer to be invited according to the invitation instruction; calculating the difficulty score of the payment of the client to be invited according to the basic information and the payment information; determining the corresponding yield of the product to be purchased for the customer to be invited according to the difficulty score; and acquiring the to-be-paid premium of the insurance product purchased by the to-be-invited client in a continuous period, calculating the purchase amount of the to-be-invited client for purchasing the to-be-purchased product according to the to-be-invited premium and the income ratio, and outputting the purchase amount and the income ratio in a display interface for the to-be-invited client to check. According to the invention, different profitability of purchasing the same product by different clients is calculated according to different clients, and the recommendation accuracy of financial products is improved.

Description

Method, device, equipment and computer readable storage medium for determining invitation mechanism
Technical Field
The present invention relates to the field of electronic commerce technologies, and in particular, to a method, an apparatus, a device, and a computer readable storage medium for determining an invitation mechanism.
Background
With the development of electronic commerce, more and more merchants recommend products to their customers to invite the customers to purchase the corresponding products. But at present, the invitation mechanisms corresponding to different clients by all merchants are the same, so that the product recommendation accuracy is low.
Disclosure of Invention
The invention mainly aims to provide a method, a device, equipment and a computer readable storage medium for determining an invitation mechanism, and aims to solve the technical problem of low accuracy of product recommendation in the prior art.
In order to achieve the above object, the present invention provides a method for determining an invitation mechanism, the method for determining an invitation mechanism including the steps of:
after detecting an invitation instruction for inviting a customer to purchase a product to be purchased, acquiring basic information and payment information of the customer to be invited according to the invitation instruction, wherein the customer to be invited is a customer who purchases an insurance product associated with the product to be purchased, and the payment information is payment information of the insurance product;
calculating the difficulty score of the payment of the client to be invited according to the basic information and the payment information;
determining the yield corresponding to the product to be purchased for the customer to be invited according to the difficulty score;
And acquiring the premium to be paid for the client to be invited to purchase the insurance product in a continuous period, calculating the purchase amount of the client to be invited to purchase the product to be purchased according to the premium to be paid and the yield, and outputting the purchase amount and the yield in a display interface for the client to be invited to view.
Preferably, the step of obtaining the premium to be paid for the customer to purchase the insurance product in a renewal period of the customer to be invited, calculating a purchase amount of the customer to purchase the product to be purchased according to the premium to be paid and the yield, and outputting the purchase amount and the yield in a display interface for the customer to be invited to view further includes:
detecting whether a purchase instruction of purchasing the product to be purchased by the client to be invited in an amount greater than or equal to the purchase amount is received;
when the purchase instruction is detected and the customer to be invited successfully pays the corresponding expense for purchasing the product to be purchased, acquiring the preset issuing time of the income generated by the product to be purchased and acquiring the current time;
and if the current time is within the dispensing time range, deducting the amount of the product to be purchased and the income generated by the product to be purchased from the premium to be paid.
Preferably, the step of obtaining the premium to be paid for the customer to be invited to purchase the insurance product in a renewal period, calculating a purchase amount of the customer to be invited to purchase the product to be purchased according to the premium to be paid and the yield, and outputting the purchase amount and the yield in a display interface for the customer to be invited to view includes:
acquiring a to-be-paid premium of the to-be-invited client for continuously purchasing the insurance product, and calculating the purchase amount of the to-be-invited client for purchasing the to-be-purchased product according to the to-be-paid premium and the yield;
acquiring payment time of the client to be invited for paying the premium, and calculating the purchase time of the client to be invited for purchasing the product to be purchased according to the yield, the purchase amount and the payment time;
and outputting the purchase time, the purchase amount and the yield in a display interface for viewing by the client to be invited.
Preferably, the step of calculating the difficulty score of the payment of the client to be invited according to the basic information and the payment information includes:
calculating the real estate value and the vehicle estate value of the client to be invited according to the basic information, and calculating the annual fee-keeping accounting ratio of the client to be invited according to the fee-paying information;
Calculating corresponding real estate score, vehicle property score and guarantee Fei Fenzhi according to the real estate value, the vehicle property value and the premium annual percentage, and adding the real estate score, the vehicle property score and the premium score to obtain a first score;
determining the policy invalidation times, the refund times and the payment times corresponding to various payment types of the insurance product according to the payment information, respectively calculating corresponding policy invalidation scores, refund scores and payment scores according to the policy invalidation times, the refund times and the payment times corresponding to various payment types, and adding the policy invalidation scores, the refund scores and the payment scores to obtain a second score;
and adding the first score and the second score to obtain the difficulty score of the payment of the client to be invited.
Preferably, the step of calculating the real estate value and the vehicle estate value of the client to be invited according to the basic information includes:
determining the place of the house of the client to be invited according to the home address in the basic information, and determining the vehicle model of the client to be invited according to the vehicle information in the basic information;
And determining the real estate value according to the house location, and determining the vehicle real estate value according to the vehicle model.
Preferably, the step of determining, according to the difficulty score, a yield rate corresponding to the product to be purchased for the customer to be invited to purchase includes:
judging whether the difficulty score is larger than or equal to a preset score;
if the difficulty score is greater than or equal to the preset score, calculating the yield of the product to be purchased for the customer to be invited according to a preset yield calculation formula;
and if the difficulty score is smaller than the preset score, taking the reference yield as the yield corresponding to the product to be purchased by the customer to be invited.
Preferably, if the difficulty score is greater than or equal to the preset score, the step of calculating the rate of return of the customer to be invited to purchase the product to be purchased according to a preset rate of return calculation formula includes:
if the difficulty score is greater than or equal to the preset score, acquiring a reference yield, a first preset coefficient and a second preset coefficient;
dividing the difficulty score by the first preset coefficient to obtain a corresponding quotient;
And adding the second preset coefficient to the quotient and multiplying the quotient by the reference yield to obtain the yield of the product to be purchased for the customer to be invited to purchase.
In addition, in order to achieve the above object, the present invention further provides a device for determining an invitation mechanism, where the device for determining an invitation mechanism includes:
the acquisition module is used for acquiring basic information and payment information of a client to be invited according to an invitation instruction after the invitation instruction for inviting the client to purchase the product to be purchased is detected, wherein the client to be invited is a client who purchases an insurance product associated with the product to be purchased, and the payment information is payment information of the insurance product;
the calculation module is used for calculating the difficulty score of the payment of the client to be invited according to the basic information and the payment information;
the determining module is used for determining the yield corresponding to the product to be purchased for the client to be invited according to the difficulty score;
the acquisition module is also used for acquiring the to-be-paid premium of the insurance product purchased by the client to be invited in a continuous period;
the calculation module is also used for calculating the purchase amount of the product to be purchased for the customer to be invited to purchase according to the premium to be paid and the yield;
And the output module is used for outputting the purchase amount and the yield in a display interface so as to be checked by the client to be invited.
In addition, to achieve the above object, the present invention also provides an invitation mechanism determining apparatus including a memory, a processor, and an invitation mechanism determining program stored on the memory and executable on the processor, which when executed by the processor, implements the steps of the invitation mechanism determining method as described above.
In addition, in order to achieve the above object, the present invention also provides a computer-readable storage medium having stored thereon a determination program of an invitation mechanism, which when executed by a processor, implements the steps of the determination method of an invitation mechanism as described above.
According to the method, basic information and payment information of the client to be invited are acquired, the difficulty score of payment of the client to be invited is calculated according to the acquired basic information and payment information, the corresponding benefit rate of purchasing the product to be purchased by the client to be invited is determined according to the difficulty score, the purchase amount of purchasing the product to be purchased by the client to be invited is calculated according to the premium to be invited and the determined benefit rate, and the purchase amount and the benefit rate are output in a display interface of the terminal so as to be checked by the client to be invited. According to the method, different profitability of different customers for purchasing the same product is calculated according to different customers, the financial product recommendation accuracy is improved, the customers are invited to purchase the product according to different customized personalized invitation mechanisms of the customers, and the product purchase rate is improved.
Drawings
FIG. 1 is a flowchart of a first embodiment of a method for determining an invitation mechanism according to the present invention;
FIG. 2 is a flow chart of a second embodiment of a method for determining an invitation mechanism according to the present invention;
FIG. 3 is a flowchart illustrating a third embodiment of a method for determining an invitation mechanism according to the present invention;
FIG. 4 is a functional schematic block diagram of a preferred embodiment of the invite mechanism determining device of the present invention;
FIG. 5 is a schematic diagram of a hardware operating environment according to an embodiment of the present invention.
The achievement of the objects, functional features and advantages of the present invention will be further described with reference to the accompanying drawings, in conjunction with the embodiments.
Detailed Description
It should be understood that the specific embodiments described herein are for purposes of illustration only and are not intended to limit the scope of the invention.
The present invention provides a method for determining an invitation mechanism, referring to fig. 1, fig. 1 is a flowchart of a first embodiment of the method for determining an invitation mechanism according to the present invention.
Embodiments of the present invention provide embodiments of a method of determining an invitation mechanism, it being noted that although a logical sequence is illustrated in the flowchart, in some cases the steps illustrated or described may be performed in a different order than that illustrated herein.
The method of determining the invitation mechanism may be applied to a terminal or a server, and the terminal may include a mobile terminal such as a mobile phone, a tablet computer, a notebook computer, a palm computer, a personal digital assistant (Personal Digital Assistant, PDA), etc., and a fixed terminal such as a digital TV, a desktop computer, etc. In various embodiments of the method for determining an invitation mechanism, for convenience of description, the various embodiments are set forth with a terminal as an execution subject. The method for determining the invitation mechanism comprises the following steps:
step S10, after detecting an invitation instruction for inviting a customer to purchase a product to be purchased, acquiring basic information and payment information of the customer to be invited according to the invitation instruction, wherein the customer to be invited is a customer who purchases an insurance product associated with the product to be purchased, and the payment information is payment information of the insurance product.
After the terminal detects an invitation instruction for inviting the client to purchase the product to be purchased, the terminal acquires the basic information and payment information of the client to be invited according to the invitation instruction. The terminal is provided with an APP (Application) corresponding to the product to be purchased. The customer to be invited is a customer who has purchased an insurance product associated with the product to be purchased. It should be noted that, the association relationship between the product to be purchased and the insurance product is preset. Such as an insurance product of the same company may be associated with the product to be purchased. The invite command may be triggered manually by the end user or may be triggered automatically by setting a timed task in the terminal.
The basic information of the client to be invited includes the age, occupation, annual income, home address, vehicle information, policy information for purchasing insurance products, etc. of the client to be invited. The payment information is payment information of insurance products, the payment information comprises payment times corresponding to various payment types and payment amounts corresponding to each payment, the payment information comprises policy failure times and refund times, and the payment types comprise current month payment, wide one-time payment, wide last payment and security and restoration payment. The payment date for the current month is the current month or the current day; the payment day of the wide one payment is in the next month; the payment date of the last wide payment is in the next month; the security re-effect payment is that the customer does not timely pay to cause the security order to stop effect, and the security re-effect payment is carried out; the policy failure is that after the policy is disabled, the client does not cancel the effect to cause the policy to be permanently disabled. In the process that the terminal acquires the basic information and payment information of the client to be invited, the terminal can acquire the basic information and payment information of the client to be invited through various APP, various official websites, policy information and other channels. For example, the terminal can obtain the information of the age, occupation and the like of the client to be invited from the policy information, and obtain the vehicle information of the user in a vehicle management system.
And step S20, calculating the difficulty score of the payment of the client to be invited according to the basic information and the payment information.
After the terminal acquires the basic information and payment information of the client to be invited, the terminal calculates the difficulty score of the payment of the client to be invited according to the acquired basic information and payment information.
Further, step S20 includes:
and a step a of calculating the real estate value and the vehicle estate value of the client to be invited according to the basic information and calculating the annual fee-keeping accounting ratio of the client to be invited according to the fee paying information.
Further, after the terminal acquires the basic information and payment information of the client to be invited, the terminal calculates the real estate value and the vehicle estate value of the client to be invited according to the basic information, and calculates the premium annual occupation ratio of the client to be invited according to the payment information. It should be noted that, the property value is the price of the house held by the customer to be invited in the current market, and the vehicle property value is the price of the vehicle held by the customer to be invited in the current market. When the client to be invited does not have a house, the corresponding house property value is 0; when the client to be invited does not have a held vehicle, the corresponding vehicle value is 0. The annual premium rate is the proportion of the total amount of premium paid by the customer to be invited for one year to the annual income thereof. If the sum of the premium paid by the client to be invited for one year is a and the annual income is B, the annual premium accounting ratio of the client to be invited=a/B.
Further, the step of calculating the real estate value and the vehicle estate value of the client to be invited according to the basic information comprises the following steps:
and a1, determining the place of the house of the client to be invited according to the home address in the basic information, and determining the vehicle model of the client to be invited according to the vehicle information in the basic information.
After the terminal acquires the basic information of the client to be invited, acquiring the home address and the vehicle information of the client to be invited from the basic information, determining the house location of the client to be invited according to the home address, and determining the vehicle model of the client to be invited according to the vehicle information. The vehicle information comprises vehicle model numbers, purchasing time for inviting customers to purchase the vehicles, corresponding license plate numbers and other information.
And a2, determining the real estate value according to the house location, and determining the vehicle real estate value according to the vehicle model.
After determining the house location of the client to be invited, the terminal determines the house property value according to the house location. After the terminal determines the house location, the average price of the current house in the market can be determined according to the house location, and the house property value of the customer to be invited is calculated according to the average price. In the process of calculating the property value of the client to be invited according to the average price, the terminal can determine the size of the house according to the population number of the home of the client to be invited, and further calculate the property value of the client to be invited. At this time, the mapping relationship between the population number and the house size is preset in this embodiment, and the house size can be determined by the mapping relationship and the population number in the home.
Or the terminal directly calculates the property value of the customer to be invited according to the average price of the house of the customer to be invited and the preset fixed house area. It will be appreciated that the average price referred to in this example is the price per square meter of house. As in the present embodiment, the floor area of all clients to be invited is set to 80 pm, or to 100 pm, etc.
Further, in order to improve accuracy of the calculated property value, the terminal may call a homeowner or other websites, or find out a specific house area of a house held by the client to be invited from a database thereof, so as to calculate the property value of the client to be invited. It will be appreciated that when the customer to be invited is purchasing an insurance product, the floor space may be stored in the terminal as data required to purchase the insurance product.
After the terminal determines the vehicle model, the terminal directly searches data in the Internet according to the vehicle model, obtains the market value corresponding to the vehicle model, and takes the market value corresponding to the vehicle model as the vehicle product value of the client to be invited. Further, in this embodiment, a correspondence table between various types of vehicles and market values may be stored in the terminal in advance, and when the terminal obtains a vehicle type, the corresponding market value may be obtained through the correspondence table, so as to obtain a vehicle product value of a client to be invited.
When the client to be invited has a plurality of properties, the corresponding property value is the total value of the plurality of properties; when the customer to be invited has a plurality of vehicles, the corresponding vehicle-to-vehicle value is the total value of the plurality of vehicles.
And b, calculating corresponding real estate score, vehicle property score and guarantee Fei Fenzhi according to the real estate value, the vehicle property value and the premium annual percentage, and adding the real estate score, the vehicle property score and the premium score to obtain a first score.
After the terminal obtains the real estate value, the vehicle property value and the premium year occupation ratio of the client to be invited, the terminal calculates the real estate value corresponding to the real estate value, calculates the vehicle property value corresponding to the vehicle property value and the premium value corresponding to the premium year occupation ratio, and adds the real estate value, the vehicle property value and the premium value to obtain a first score.
In this embodiment, the calculation formula of the corresponding score of the premium year occupation ratio is: (premium annual rate-0.1) x 2; the calculation formula of the corresponding score of the real estate value is as follows: (total premium/real estate value paid by the client to be invited for one year-0.01) 50; the calculation formula of the corresponding score of the vehicle yield value is as follows: (the sum of premium paid by the client to be invited for one year/vehicle yield value-0.1).
And c, determining the policy invalidation times, the refund times and the payment times corresponding to various payment types of the insurance product according to the payment information, respectively calculating corresponding policy invalidation scores, refund scores and payment scores according to the policy invalidation times, the refund times and the payment times corresponding to various payment types, and adding the policy invalidation scores, the refund scores and the payment scores to obtain a second score.
After the terminal obtains the payment information of the client to be invited, determining the warranty failure times, the refund times and the payment times corresponding to various payment types according to the payment information, calculating the scores corresponding to various payment types according to the payment times, calculating the scores corresponding to the warranty failure times and the refund times, and adding the scores corresponding to various payment types, the scores corresponding to the warranty failure times and the refund times to obtain a second score.
Specifically, in the present embodiment, the calculation formula for calculating the corresponding score of the refund number is: 0.5 x number of refunds; the calculation formula for calculating the corresponding score of the failure times of the policy is as follows: number of policy failures 0.4; the calculation formula for calculating the corresponding score of the security composite payment is as follows: 0.3, keeping the payment times of the repeated effect payment; the calculation formula for calculating the corresponding score of the last wide payment is as follows: 0.2 times of wide-end payment; the calculation formula for calculating the corresponding score of the wide-one payment is as follows: 0.1 x the number of times of payment of the wide one payment; the calculation formula for calculating the corresponding score of the payment in the current month is as follows: -0.05 x the number of payments made in the month.
It should be noted that, various coefficients in the calculation formulas for calculating the real estate value, the vehicle yield value, the annual rate of charge for the insurance, the number of times of failure of the policy, the number of times of refund and the corresponding scores of various payment types can be set according to specific needs, and are not limited to the above-described values. The calculation formula of the real estate value corresponding score can be set as follows: (total amount of premium paid per real estate value-0.05) 40 for one year by the client to be invited, or a calculation formula for calculating the corresponding score of the refund number is set as follows: 0.4 times of refund.
Further, in order to facilitate calculation of various scores, a highest score and a lowest score of a real estate value corresponding score, a vehicle real estate value corresponding score, a year of charge collection corresponding score, a refund number corresponding score, a policy failure number corresponding score, a security duplicate payment corresponding score, a last payment corresponding score, a first payment corresponding score and a month payment corresponding score are set. If the highest score of each item is set to be 2 points, the lowest score is set to be-2 points, each item is marked as 2 points over two points, and the score over-2 points is marked as-2 points. If the corresponding score of the refund number is calculated to be 1.5 points, the corresponding score of the refund number is recorded to be 1.5 points; and if the corresponding score of the vehicle yield value is calculated to be 2.8 points, the corresponding score of the vehicle yield value is recorded as 2 points. The highest score and the lowest score may be set according to specific needs, and in this embodiment, there is no specific limitation, for example, the highest score may be set to 3 scores, the lowest score may be set to-1.5 scores, or the like.
And d, adding the first score and the second score to obtain the difficulty score of the payment of the client to be invited.
After the terminal obtains the first score and the second score, the terminal adds the first score and the second score, namely, the real estate value corresponding score, the vehicle product value corresponding score, the annual fee-keeping collecting ratio corresponding score, the refund number corresponding score, the policy failure number corresponding score, the security duplicate-effect fee-collecting corresponding score, the wide end fee-collecting corresponding score, the wide one fee-collecting corresponding score and the current month fee-collecting corresponding score are added, and the difficulty score of the fee collection of the client to be invited is obtained.
And step S30, determining the yield corresponding to the product to be purchased for the customer to be invited to purchase according to the difficulty score.
And after the terminal obtains the difficulty score of the to-be-invited client to pay, the terminal determines the yield corresponding to the to-be-invited client to purchase the to-be-purchased product according to the difficulty score. It should be noted that, the higher the difficulty score of the client to be invited, the more difficult it is to pay the fee. It will be appreciated that the product to be purchased is a financial product.
Further, step S30 includes:
and g, judging whether the difficulty score is larger than or equal to a preset score.
And after the terminal obtains the difficulty score of the client to be invited, the terminal judges whether the difficulty score is larger than or equal to a preset score. The preset score may be set according to specific needs. Such as 5 minutes or 5 minutes, etc.
Further, in order to obtain an accurate judgment result, the highest score and the lowest score corresponding to the difficulty score are set. When the difficulty score of the client to be invited is calculated to be greater than or equal to the highest score, the terminal takes the highest score as the difficulty score of the client to be invited; when the difficulty score of the client to be invited is calculated to be smaller than or equal to the lowest score, the terminal takes the lowest score as the difficulty score of the client to be invited. If the highest score corresponding to the difficulty score is 10, the lowest score is 0; or the highest score corresponding to the difficulty score is set as 12 scores, the lowest score is set as-1 score, and the like. When the difficulty score has the corresponding highest score and lowest score, the preset score may be set according to the highest score and lowest score of the difficulty score, e.g., a median score of the highest score and the lowest score of the difficulty score may be set as the preset score.
And h, if the difficulty score is greater than or equal to the preset score, calculating the yield of the product to be purchased for the customer to be invited according to a preset yield calculation formula.
If the difficulty score is greater than or equal to the preset score, the terminal calculates the yield of the product to be purchased for the customer to be invited according to a preset yield calculation formula.
Further, step h comprises:
and step h1, if the difficulty score is greater than or equal to the preset score, acquiring a reference yield, a first preset coefficient and a second preset coefficient.
Further, if the difficulty score is determined to be greater than or equal to the preset score, the terminal obtains a reference yield, a first preset coefficient and a second preset coefficient. The basic yield is the basic yield corresponding to the product to be purchased, and the basic yield is preset by a merchant corresponding to the product to be purchased. The first preset coefficient and the second preset coefficient can be set according to specific needs. The first coefficient may be set to 40, or set to 50, etc.; the second coefficient is set to 0.8, or to 1, etc.
And step h2, dividing the difficulty score by the first preset coefficient to obtain a corresponding quotient.
After the terminal obtains the first preset coefficient, the terminal divides the difficulty score by the first preset coefficient to obtain a corresponding quotient.
And step h3, adding the second preset coefficient to the quotient and multiplying the quotient by the reference yield to obtain the yield of the product to be purchased for the customer to be invited to purchase.
And after the terminal obtains the difficulty score divided by the quotient corresponding to the first preset coefficient, adding a second preset coefficient to the quotient to obtain a corresponding sum, and multiplying the obtained sum by the reference yield to obtain the yield of the product to be purchased for the customer to be invited.
Specifically, a predefinable yield calculation formula is set to: reference yield (difficulty score/first preset coefficient+second preset coefficient), for example, a preset yield calculation formula may be set as: reference rate of return (difficulty score/50+1), or reference rate of return (difficulty score/40+1), and the like. It should be noted that the first preset coefficient and the second preset coefficient may be set according to specific needs, and are not particularly limited in this embodiment.
Further, in order to avoid that the calculated yield is too high, resulting in a loss of the merchant for the product to be purchased, the highest yield for the customer to be invited to purchase the product to be purchased may be set. And after the terminal calculates the yield of the product to be purchased by the customer to be invited, judging whether the calculated yield is greater than or equal to the highest yield. And if the calculated yield is greater than or equal to the highest yield, the terminal takes the highest yield as the yield corresponding to the product to be purchased by the customer to be invited.
And i, if the difficulty score is smaller than the preset score, taking the reference yield as the yield corresponding to the product to be purchased by the customer to be invited.
And if the difficulty score is smaller than the preset score, the terminal takes the reference yield as the yield corresponding to the product to be purchased by the customer to be invited.
And S40, acquiring a to-be-paid premium of the to-be-invited customer for continuously purchasing the insurance product, calculating the purchase amount of the to-be-invited customer for purchasing the to-be-purchased product according to the to-be-paid premium and the yield, and outputting the purchase amount and the yield in a display interface for the to-be-invited customer to view.
After the terminal determines the income ratio of the to-be-invited customer to purchase the to-be-purchased product, the terminal obtains the to-be-paid premium of the to-be-invited customer for continuously purchasing the insurance product according to the policy information in the basic information, and calculates the purchase amount of the to-be-invited customer to purchase the to-be-purchased product according to the to-be-paid premium and the income ratio. And after the terminal calculates the purchase amount, outputting the purchase amount and the yield in a display interface of the terminal so as to enable the client to be invited to check the purchase amount and the yield. It should be noted that, the premium to be paid is a period of premium to be paid by the client to be invited. The purchase amount plus the benefit generated by purchasing the product to be purchased can just successfully withhold the premium to be paid by the customer to be invited for a period of time. If the first-term to-be-paid premium of the client to be invited is 1000 yuan, after the client to be invited purchases 950 yuan to be purchased according to the yield, the terminal determines that the purchase amount is 950 yuan when the client to be invited needs to pay the to-be-paid premium and just can generate 50 yuan of income.
According to the embodiment, basic information and payment information of the client to be invited are acquired, the difficulty score of payment of the client to be invited is calculated according to the acquired basic information and payment information, the corresponding benefit rate of purchasing the product to be purchased by the client to be invited is determined according to the difficulty score, the purchase amount of purchasing the product to be purchased by the client to be invited is calculated according to the premium to be invited and the determined benefit rate, and the purchase amount and the benefit rate are output in a display interface of the terminal so as to be checked by the client to be invited. According to the method, different profitability of different customers for purchasing the same product is calculated according to different customers, the financial product recommendation accuracy is improved, the customers are invited to purchase the product according to different customized personalized invitation mechanisms of the customers, and the product purchase rate is improved.
Further, a second embodiment of the method for determining an invitation mechanism of the present invention is presented.
The second embodiment of the method for determining an invitation mechanism is different from the first embodiment of the method for determining an invitation mechanism in that, referring to fig. 2, the method for determining an invitation mechanism further includes:
step S50, detecting whether a purchase instruction of purchasing the product to be purchased by the client to be invited in an amount greater than or equal to the purchase amount is received.
After the terminal outputs the purchase amount and the yield in its display interface, the terminal detects whether a purchase instruction is received for the customer to be invited to purchase the product to be purchased in an amount greater than or equal to the purchase amount. If the purchase amount is 950 yuan, the terminal detects whether the client to be invited purchases the purchase instruction of the product to be purchased in an amount greater than or equal to 950 yuan. It will be appreciated that the purchase instructions are triggered by the client to be invited as required.
Step S60, when the purchase instruction is detected, and the customer to be invited successfully pays the corresponding expense of purchasing the product to be purchased, the preset issuing time of the income generated by the product to be purchased is obtained, and the current time is obtained.
After the terminal detects the purchase instruction, whether the customer to be invited successfully pays the corresponding expense of purchasing the product to be purchased is detected. If the terminal detects that the client to be invited successfully pays the corresponding expense for purchasing the product to be purchased, the terminal acquires the preset issuing time of the income generated by the product to be purchased and acquires the current time. Wherein, in the product to be purchased, a corresponding payment identifier is set. When the payment identifier is the first identifier, determining that the customer to be invited successfully pays the corresponding expense for purchasing the product to be purchased; when the payment is identified as
The preset dispensing time is determined by the attribute of the product to be purchased and can be preset by a merchant of the product to be purchased. If the release time of certain product benefits can be set to be 1 per month, the release time of certain product corresponding benefits can be set to be 8 to 10 lights per day in the morning.
And step S70, if the current time is within the dispensing time range, deducting the amount of the product to be purchased and the income generated by the product to be purchased from the premium to be paid.
When the terminal determines the release time of the benefits generated by the products to be purchased and acquires the current time, the terminal judges whether the current time is within the release time range. If the current time is within the distribution time range, the terminal deducts the amount of the product to be purchased from the customer to be invited and the income generated by the product to be purchased from the premium to be paid. If the current time is not in the issuing time range, the terminal continues to judge whether the current time is in the issuing time range.
Further, when the sum of the amount of the product to be purchased and the income generated by the product to be purchased is larger than the amount of the insurance to be paid, the terminal issues the surplus income deducted from the amount of the insurance to be paid to the account corresponding to the customer to be invited.
According to the embodiment, after the customer to be invited successfully purchases the product to be purchased in the amount larger than or equal to the purchase amount, the amount of the product to be purchased and the income generated by the product to be purchased are deducted from each other to pay the premium, the customer is not required to pay the premium manually, the renewal rate of the premium is improved, and the labor cost of premium acceleration is reduced.
Further, a third embodiment of the method for determining an invitation mechanism of the present invention is presented.
The third embodiment of the method for determining an invitation mechanism is different from the first or second embodiment of the method for determining an invitation mechanism in that, referring to fig. 3, step S40 includes:
and S41, acquiring a to-be-paid premium of the to-be-invited customer for continuously purchasing the insurance product, and calculating the purchase amount of the to-be-invited customer for purchasing the to-be-purchased product according to the to-be-paid premium and the yield.
And after the terminal determines the yield corresponding to the product to be purchased by the client to be invited, the terminal acquires the to-be-paid premium of the insurance product to be purchased by the client to be invited in a continuous period, and calculates the purchase amount of the product to be purchased by the client to be invited according to the to-be-paid premium and the yield.
Step S42, acquiring payment time of the client to be invited for paying the premium, and calculating the purchase time of the client to be invited for purchasing the product to be purchased according to the yield, the purchase amount and the payment time.
And after the terminal calculates the purchase amount, acquiring the payment time for the client to be invited to pay the premium, and calculating the purchase time for the client to be invited to purchase the product to be purchased according to the yield, the purchase amount and the payment time. It can be understood that the terminal can calculate how long to purchase the product to be purchased and how long to purchase the product to be purchased according to the yield, the purchase amount and the premium to be paid, and the terminal marks the calculated time as the purchase duration. And after the terminal obtains the purchase time, calculating the purchase time according to the payment time and the purchase time. It is understood that the time difference between the purchase time and the payment time is equal to the purchase duration.
If the time for paying the premium is 29 days of 2018, 4 months, the terminal calculates that the sum of the income generated by purchasing the product to be purchased for 20 days and the amount of money for purchasing the product to be purchased is equal to the premium to be paid, and at the moment, the terminal can determine that the time for inviting the customer to purchase the product to be purchased is 9 days of 2018, 4 months.
And step S43, outputting the purchase time, the purchase amount and the yield in a display interface for viewing by the client to be invited.
And after the terminal calculates the purchase time, outputting the purchase time, the purchase amount and the yield in a display interface of the terminal for the client to be invited to view. It can be understood that the terminal outputs the purchase time in the display interface, and can prompt the user to purchase the latest purchase time of the product to be purchased, so as to ensure that the amount of the product to be purchased and the income generated by the product to be purchased can be successfully deducted from the premium to be paid.
According to the embodiment, the purchase time of the product to be purchased is determined by purchasing the purchase amount of the product to be purchased, the yield of the product to be purchased, the premium to be paid and the payment time of the premium to be paid, and the purchase time, the purchase amount and the yield are displayed in a display interface of the terminal, so that the amount of the product to be purchased and the generated benefit are successfully used to resist the premium after the product is purchased by the customer.
In addition, referring to fig. 4, the present invention further provides a determining device of an invitation mechanism, where the determining device of the invitation mechanism includes:
the acquisition module 10 is configured to acquire basic information and payment information of a customer to be invited according to an invitation instruction after detecting the invitation instruction for inviting the customer to purchase a product to be purchased, where the customer to be invited is a customer who purchases an insurance product associated with the product to be purchased, and the payment information is payment information of the insurance product;
The calculating module 20 is configured to calculate a difficulty score of the payment of the client to be invited according to the basic information and the payment information;
the determining module 30 is configured to determine, according to the difficulty score, a yield rate corresponding to the product to be purchased by the customer to be invited;
the obtaining module 10 is further configured to obtain a premium to be paid for the client to be invited to purchase the insurance product in a period of time;
the calculating module 20 is further configured to calculate a purchase amount for the customer to be invited to purchase the product to be purchased according to the premium to be paid and the yield;
and the output module 40 is used for outputting the purchase amount and the yield in a display interface for viewing by the client to be invited.
Further, the determining means of the invitation mechanism further includes:
the detection module is used for detecting whether the purchasing instruction of the product to be purchased is received from the client to be invited to purchase the product to be purchased in an amount larger than or equal to the purchasing amount;
the determining module 30 is further configured to obtain a preset release time of a benefit generated by the product to be purchased after detecting the purchase instruction and detecting that the client to be invited successfully pays a fee corresponding to purchasing the product to be purchased;
The acquisition module 10 is further configured to acquire a current time;
and the deduction module is used for deducting the amount of the product to be purchased and the income generated by the product to be purchased from the premium to be paid if the current time is within the dispensing time range.
Further, the obtaining module 10 is further configured to obtain a premium to be paid for the client to be invited to purchase the insurance product in a period of time;
the calculating module 20 is further configured to calculate a purchase amount for the customer to be invited to purchase the product to be purchased according to the premium to be paid and the yield;
the obtaining module 10 is further configured to obtain a payment time for the client to be invited to pay the premium;
the calculating module 20 is further configured to calculate a purchase time for the customer to be invited to purchase the product to be purchased according to the yield, the purchase amount, and the payment time;
the output module 40 is further configured to output the purchase time, the purchase amount, and the yield in a display interface for viewing by the client to be invited.
Further, the computing module 20 includes:
the first calculation unit is used for calculating the real estate value and the vehicle estate value of the client to be invited according to the basic information and calculating the annual fee-keeping accounting ratio of the client to be invited according to the payment information; calculating corresponding real estate score, vehicle property score and guarantee Fei Fenzhi according to the real estate value, the vehicle property value and the premium annual percentage, and adding the real estate score, the vehicle property score and the premium score to obtain a first score;
The first determining unit is used for determining the insurance policy failure times, the refund times and the payment times corresponding to various payment types of the insurance product according to the payment information;
the first calculating unit is further configured to calculate a corresponding policy failure score, a corresponding refund score and each payment score according to the policy failure times, the corresponding refund times and the corresponding payment times of the various payment types, and add the policy failure score, the corresponding refund score and each payment score to obtain a second score;
and the adding unit is used for adding the first score and the second score to obtain the difficulty score of the payment of the client to be invited.
Further, the first computing unit is further configured to determine, according to a home address in the basic information, a location of the house of the client to be invited, and determine, according to vehicle information in the basic information, a vehicle model of the client to be invited; and determining the real estate value according to the house location, and determining the vehicle real estate value according to the vehicle model.
Further, the determining module 30 includes:
the judging unit is used for judging whether the difficulty score is larger than or equal to a preset score or not;
The second calculation unit is used for calculating the yield of the product to be purchased for the customer to be invited according to a preset yield calculation formula if the difficulty score is greater than or equal to the preset score;
and the second determining unit is used for taking the reference income ratio as the income ratio corresponding to the product to be purchased by the customer to be invited if the difficulty score is smaller than the preset score.
Further, the second calculation unit includes:
the obtaining subunit is used for obtaining the reference yield, the first preset coefficient and the second preset coefficient if the difficulty score is greater than or equal to the preset score;
a calculating subunit, configured to divide the difficulty score by the first preset coefficient to obtain a corresponding quotient; and adding the second preset coefficient to the quotient and multiplying the quotient by the reference yield to obtain the yield of the product to be purchased for the customer to be invited to purchase.
It should be noted that, the embodiments of the determining device of the invitation mechanism are substantially the same as the embodiments of the determining method of the invitation mechanism described above, and will not be described in detail herein.
In addition, the invention also provides a device for determining the invitation mechanism. As shown in fig. 5, fig. 5 is a schematic structural diagram of a hardware running environment according to an embodiment of the present invention.
It should be noted that fig. 1 is a schematic structural diagram of a hardware running environment of a determining device of the invitation mechanism. The determination device of the invitation mechanism in the embodiment of the invention can be a terminal device such as a PC, a portable computer and the like.
As shown in fig. 1, the determining device of the invitation mechanism may include: a processor 1001, such as a CPU, memory 1005, user interface 1003, network interface 1004, communication bus 1002. Wherein the communication bus 1002 is used to enable connected communication between these components. The user interface 1003 may include a Display, an input unit such as a Keyboard (Keyboard), and the optional user interface 1003 may further include a standard wired interface, a wireless interface. The network interface 1004 may optionally include a standard wired interface, a wireless interface (e.g., WI-FI interface). The memory 1005 may be a high-speed RAM memory or a stable memory (non-volatile memory), such as a disk memory. The memory 1005 may also optionally be a storage device separate from the processor 1001 described above.
Optionally, the determination device of the invitation mechanism may further include a camera, an RF (Radio Frequency) circuit, a sensor, an audio circuit, a WiFi module, and so on.
It will be appreciated by those skilled in the art that the configuration of the determining device of the invitation mechanism shown in figure 1 does not constitute a limitation of the determining device of the invitation mechanism, and may include more or fewer components than shown, or may combine certain components, or may be a different arrangement of components.
As shown in fig. 5, a memory 1005, which is a computer storage medium, may include an operating system, a network communication module, a user interface module, and a determination program of an invitation mechanism. Wherein the operating system is a program that manages and controls the determination of device hardware and software resources of the invitation mechanism, supporting the determination of the invitation mechanism and the execution of other software or programs.
In the determination device of the invitation mechanism shown in fig. 5, the user interface 1003 is mainly used for acquiring an invitation instruction, detecting a purchase instruction, and the like; the network interface 1004 is mainly used for acquiring basic information, payment information and the like of a client to be invited; the processor 1001 may be configured to call a determination program of an invitation mechanism stored in the memory 1005 and execute steps of the determination method of an invitation mechanism as described above.
The specific implementation manner of the determining device of the invitation mechanism of the present invention is substantially the same as the embodiments of the determining method of the invitation mechanism described above, and will not be described herein.
In addition, the embodiment of the invention also provides a computer readable storage medium, wherein the computer readable storage medium stores a determination program of an invitation mechanism, and the determination program of the invitation mechanism realizes the steps of the determination method of the invitation mechanism when being executed by a processor.
The specific implementation manner of the computer readable storage medium of the present invention is basically the same as the above embodiments of the method for determining the invitation mechanism, and will not be described herein.
It should be noted that, in this document, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising one … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises the element.
The foregoing embodiment numbers of the present invention are merely for the purpose of description, and do not represent the advantages or disadvantages of the embodiments.
From the above description of the embodiments, it will be clear to those skilled in the art that the above-described embodiment method may be implemented by means of software plus a necessary general hardware platform, but of course may also be implemented by means of hardware, but in many cases the former is a preferred embodiment. Based on such understanding, the technical solution of the present invention may be embodied essentially or in a part contributing to the prior art in the form of a software product stored in a storage medium (e.g. ROM/RAM, magnetic disk, optical disk) comprising instructions for causing a terminal device (which may be a mobile phone, a computer, a server, an air conditioner, or a network device, etc.) to perform the method according to the embodiments of the present invention.
The foregoing description is only of the preferred embodiments of the present invention, and is not intended to limit the scope of the invention, but rather is intended to cover any equivalents of the structures or equivalent processes disclosed herein or in the alternative, which may be employed directly or indirectly in other related arts.

Claims (8)

1. A method for determining an invitation mechanism, the method comprising the steps of:
After detecting an invitation instruction for inviting a customer to purchase a product to be purchased, acquiring basic information and payment information of the customer to be invited according to the invitation instruction, wherein the customer to be invited is a customer who purchases an insurance product associated with the product to be purchased, and the payment information is payment information of the insurance product;
calculating the difficulty score of the payment of the client to be invited according to the basic information and the payment information;
determining the yield corresponding to the product to be purchased for the customer to be invited according to the difficulty score;
acquiring a to-be-paid premium for the to-be-invited client to purchase the insurance product in a continuous period, calculating the purchase amount of the to-be-invited client to purchase the to-be-purchased product according to the to-be-paid premium and the yield, and outputting the purchase amount and the yield in a display interface for the to-be-invited client to view;
the step of calculating the difficulty score of the payment of the client to be invited according to the basic information and the payment information comprises the following steps:
calculating the real estate value and the vehicle estate value of the client to be invited according to the basic information, and calculating the annual fee-keeping accounting ratio of the client to be invited according to the fee-paying information;
Calculating corresponding real estate score, vehicle property score and guarantee Fei Fenzhi according to the real estate value, the vehicle property value and the premium annual percentage, and adding the real estate score, the vehicle property score and the premium score to obtain a first score;
determining the policy invalidation times, the refund times and the payment times corresponding to various payment types of the insurance product according to the payment information, respectively calculating corresponding policy invalidation scores, refund scores and payment scores according to the policy invalidation times, the refund times and the payment times corresponding to various payment types, and adding the policy invalidation scores, the refund scores and the payment scores to obtain a second score;
adding the first score and the second score to obtain a difficulty score of the payment of the client to be invited;
the step of determining the yield corresponding to the product to be purchased for the customer to be invited to purchase according to the difficulty score comprises the following steps:
judging whether the difficulty score is larger than or equal to a preset score;
if the difficulty score is greater than or equal to the preset score, calculating the yield of the product to be purchased for the customer to be invited according to a preset yield calculation formula;
And if the difficulty score is smaller than the preset score, taking the reference yield as the yield corresponding to the product to be purchased by the customer to be invited.
2. The method for determining an invitation mechanism as defined in claim 1, wherein the step of obtaining a to-be-paid premium for the to-be-invited client to renew the purchase of the insurance product, calculating a purchase amount of the to-be-invited client to purchase the to-be-purchased product according to the to-be-paid premium and the yield, and outputting the purchase amount and the yield in a display interface for viewing by the to-be-invited client further comprises:
detecting whether a purchase instruction of purchasing the product to be purchased by the client to be invited in an amount greater than or equal to the purchase amount is received;
when the purchase instruction is detected and the customer to be invited successfully pays the corresponding expense for purchasing the product to be purchased, acquiring the preset issuing time of the income generated by the product to be purchased and acquiring the current time;
and if the current time is within the dispensing time range, deducting the amount of the product to be purchased and the income generated by the product to be purchased from the premium to be paid.
3. The method for determining an invitation mechanism as claimed in claim 1, wherein the step of obtaining a to-be-paid premium for the to-be-invited client to renew the purchase of the insurance product, calculating a purchase amount of the to-be-invited client to purchase the to-be-purchased product according to the to-be-paid premium and the yield, and outputting the purchase amount and the yield in a display interface for viewing by the to-be-invited client comprises:
acquiring a to-be-paid premium of the to-be-invited client for continuously purchasing the insurance product, and calculating the purchase amount of the to-be-invited client for purchasing the to-be-purchased product according to the to-be-paid premium and the yield;
acquiring payment time of the client to be invited for paying the premium, and calculating the purchase time of the client to be invited for purchasing the product to be purchased according to the yield, the purchase amount and the payment time;
and outputting the purchase time, the purchase amount and the yield in a display interface for viewing by the client to be invited.
4. The method of determining an invitation mechanism as claimed in claim 1, wherein said step of calculating a real estate value and a car estate value of said clients to be invited based on said basic information comprises:
Determining the place of the house of the client to be invited according to the home address in the basic information, and determining the vehicle model of the client to be invited according to the vehicle information in the basic information;
and determining the real estate value according to the house location, and determining the vehicle real estate value according to the vehicle model.
5. The method of claim 1, wherein if the difficulty score is greater than or equal to the preset score, the step of calculating a rate of return of the to-be-invited customer to purchase the to-be-purchased product according to a preset rate of return calculation formula comprises:
if the difficulty score is greater than or equal to the preset score, acquiring a reference yield, a first preset coefficient and a second preset coefficient;
dividing the difficulty score by the first preset coefficient to obtain a corresponding quotient; and adding the second preset coefficient to the quotient and multiplying the quotient by the reference yield to obtain the yield of the product to be purchased for the customer to be invited to purchase.
6. An invitation mechanism determining apparatus, wherein the invitation mechanism determining apparatus includes:
The acquisition module is used for acquiring basic information and payment information of a client to be invited according to an invitation instruction after the invitation instruction for inviting the client to purchase the product to be purchased is detected, wherein the client to be invited is a client who purchases an insurance product associated with the product to be purchased, and the payment information is payment information of the insurance product;
the calculation module is used for calculating the difficulty score of the payment of the client to be invited according to the basic information and the payment information;
the determining module is used for determining the yield corresponding to the product to be purchased for the client to be invited according to the difficulty score;
the acquisition module is also used for acquiring the to-be-paid premium of the insurance product purchased by the client to be invited in a continuous period;
the calculation module is also used for calculating the purchase amount of the product to be purchased for the customer to be invited to purchase according to the premium to be paid and the yield;
the output module is used for outputting the purchase amount and the yield in a display interface so as to be checked by the client to be invited;
the calculation module is used for calculating the real estate value and the vehicle estate value of the client to be invited according to the basic information and calculating the annual fee-keeping accounting ratio of the client to be invited according to the payment information; calculating corresponding real estate score, vehicle property score and guarantee Fei Fenzhi according to the real estate value, the vehicle property value and the premium annual percentage, and adding the real estate score, the vehicle property score and the premium score to obtain a first score; determining the policy invalidation times, the refund times and the payment times corresponding to various payment types of the insurance product according to the payment information, respectively calculating corresponding policy invalidation scores, refund scores and payment scores according to the policy invalidation times, the refund times and the payment times corresponding to various payment types, and adding the policy invalidation scores, the refund scores and the payment scores to obtain a second score; adding the first score and the second score to obtain a difficulty score of the payment of the client to be invited;
The determining module is further configured to determine whether the difficulty score is greater than or equal to a preset score; if the difficulty score is greater than or equal to the preset score, calculating the yield of the product to be purchased for the customer to be invited according to a preset yield calculation formula; and if the difficulty score is smaller than the preset score, taking the reference yield as the yield corresponding to the product to be purchased by the customer to be invited.
7. An invitation mechanism determining device comprising a memory, a processor and an invitation mechanism determining program stored on the memory and executable on the processor, which invitation mechanism determining program, when executed by the processor, implements the steps of the invitation mechanism determining method of any one of claims 1 to 5.
8. A computer-readable storage medium, characterized in that the computer-readable storage medium has stored thereon a determination program of an invitation mechanism, which, when executed by a processor, implements the steps of the determination method of an invitation mechanism as claimed in any one of claims 1 to 5.
CN201810445785.1A 2018-05-10 2018-05-10 Method, device, equipment and computer readable storage medium for determining invitation mechanism Active CN108648057B (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
CN201810445785.1A CN108648057B (en) 2018-05-10 2018-05-10 Method, device, equipment and computer readable storage medium for determining invitation mechanism

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
CN201810445785.1A CN108648057B (en) 2018-05-10 2018-05-10 Method, device, equipment and computer readable storage medium for determining invitation mechanism

Publications (2)

Publication Number Publication Date
CN108648057A CN108648057A (en) 2018-10-12
CN108648057B true CN108648057B (en) 2023-06-30

Family

ID=63754313

Family Applications (1)

Application Number Title Priority Date Filing Date
CN201810445785.1A Active CN108648057B (en) 2018-05-10 2018-05-10 Method, device, equipment and computer readable storage medium for determining invitation mechanism

Country Status (1)

Country Link
CN (1) CN108648057B (en)

Citations (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2005011270A (en) * 2003-06-20 2005-01-13 Web-I:Kk Investment system, its method and computer program
JP2006277391A (en) * 2005-03-29 2006-10-12 Nomura Research Institute Ltd Investment trust simulation purchase system
US8799127B1 (en) * 2007-04-05 2014-08-05 Fannie Mae Loan payoff calculator system and method
CN105843909A (en) * 2016-03-24 2016-08-10 上海诺亚投资管理有限公司 Financial information pushing method and apparatus
CN107025494A (en) * 2016-09-14 2017-08-08 阿里巴巴集团控股有限公司 Data predication method, financing recommendation method, device and terminal device
US9928552B1 (en) * 2009-03-13 2018-03-27 New York Life Insurance Company Methods and systems for insurance investment product decision modeling
CN107871282A (en) * 2017-11-29 2018-04-03 上海壹账通金融科技有限公司 Finance product purchasing method, device, equipment and readable storage medium storing program for executing

Family Cites Families (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20040088236A1 (en) * 2002-10-31 2004-05-06 Manning Kathleen E. Method and apparatus for investment consulting, benefit projection and investment analysis

Patent Citations (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2005011270A (en) * 2003-06-20 2005-01-13 Web-I:Kk Investment system, its method and computer program
JP2006277391A (en) * 2005-03-29 2006-10-12 Nomura Research Institute Ltd Investment trust simulation purchase system
US8799127B1 (en) * 2007-04-05 2014-08-05 Fannie Mae Loan payoff calculator system and method
US9928552B1 (en) * 2009-03-13 2018-03-27 New York Life Insurance Company Methods and systems for insurance investment product decision modeling
CN105843909A (en) * 2016-03-24 2016-08-10 上海诺亚投资管理有限公司 Financial information pushing method and apparatus
CN107025494A (en) * 2016-09-14 2017-08-08 阿里巴巴集团控股有限公司 Data predication method, financing recommendation method, device and terminal device
CN107871282A (en) * 2017-11-29 2018-04-03 上海壹账通金融科技有限公司 Finance product purchasing method, device, equipment and readable storage medium storing program for executing

Also Published As

Publication number Publication date
CN108648057A (en) 2018-10-12

Similar Documents

Publication Publication Date Title
US11741512B2 (en) System, method and computer program product for tracking and correlating online user activities with sales of physical goods
US20180349988A1 (en) Systems and methods for displaying vehicles to an online shopper in shop-by-payment format based on actual monthly payment amount
US20130290086A1 (en) Systems and methods to determine a value relating to a post
CN106487715B (en) Method and device for allocating resources to users
WO2016028222A1 (en) System and method for distributorless product supply chain management
US20140046723A1 (en) Systems and methods of providing a marketplace for distributing leads
JP6924915B2 (en) Judgment device and judgment method
JP2003076913A (en) Point service system, point calculation device and program to be used for the device
KR101691305B1 (en) Apparatus for managing of intermediation value of real estate
US20150161583A1 (en) Method and system for negotiating, generating, documenting, and fulfilling vendor financing opportunities
KR102181925B1 (en) Management system based distributing profits for user
CN108648057B (en) Method, device, equipment and computer readable storage medium for determining invitation mechanism
US20160027103A1 (en) Automatic determination of eligibility, payments and tax for merchandise use
JP2018205876A (en) Damaged car assessment system
US20160148323A1 (en) System and method for crediting users respective of a value-added tax reclaim
KR102344743B1 (en) Method for operating product rental platorm and apparatus for the same
CN110675235B (en) Financial data processing method and device, electronic equipment and storage medium
KR102447568B1 (en) System and method for contracting credit card chain
KR101648573B1 (en) Advertising system and method for calculating advertising cost of advertiser providing reserve point with regard to transaction between user and advertiser
KR20140033872A (en) Apparatus and method for determining estimated value-added tax
CN111192038B (en) Responsibility insurance information processing method and device based on electronic bill and terminal equipment
JP2020115396A (en) Trailer rental business management system
US20150142674A1 (en) System and method for generating and finalizing a request for sale
JP2024011234A (en) Information processing apparatus, information processing method, and system
KR20150114148A (en) System and method for on time commerce service

Legal Events

Date Code Title Description
PB01 Publication
PB01 Publication
SE01 Entry into force of request for substantive examination
SE01 Entry into force of request for substantive examination
GR01 Patent grant
GR01 Patent grant