CN109559130A - A kind of processing method of insurance business, device and equipment - Google Patents
A kind of processing method of insurance business, device and equipment Download PDFInfo
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- CN109559130A CN109559130A CN201811259942.6A CN201811259942A CN109559130A CN 109559130 A CN109559130 A CN 109559130A CN 201811259942 A CN201811259942 A CN 201811259942A CN 109559130 A CN109559130 A CN 109559130A
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- 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
- G06Q30/01—Customer relationship services
- G06Q30/015—Providing customer assistance, e.g. assisting a customer within a business location or via helpdesk
- G06Q30/016—After-sales
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- 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
Abstract
This specification embodiment discloses processing method, device and the equipment of a kind of insurance business, which comprises obtains the insurance demand information that target user is directed to insurance business；Based on the insurance demand information, the target histories data of the target user are obtained from scheduled block chain node, and the relevant historical data for characterizing the insurance demand information is included at least in the target histories data；According to the target histories data and the insurance demand information, the insurance business scheme for being directed to the target user is generated.
Description
Technical field
This specification is related to field of computer technology more particularly to a kind of processing method of insurance business, device and equipment.
Background technique
Currently, the intensification with the universal people of insurance knowledge to insurance theory, more and more people select insurance (such as people
Body security insurance, health insurance and vehicle insurance etc.) as the important tool for oneself carrying out financing planning and risk management.And with guarantor
How the type of dangerous business and being increasing for project select the insurance for being suitble to oneself in numerous insurance business schemes
Business scheme is a very vexatious thing for people.
In general, insurance business scheme be carried out by the actuarial produce sector in insurance institution unified operational program design,
It fixes a price and puts on record, then, insurance business scheme can be launched into market and be sold by insurance institution.With demand for insurance
User can check or seek advice from relevant insurance business scheme in relevant commercial networks or Webpage, and can choose suitable
The insurance business scheme for closing oneself is insured.
However, since insurance business scheme is usually designed for uniformity by the actuarial produce sector in insurance institution, and
And different users, its own the case where may be different, the demand to insurance business also can be different, in this way, selecting to protect in user
Must not be without various choices or the insurance business scheme for insuring multiple and different when dangerous operational program, or even abandon insuring,
So that insurance business scheme is not able to satisfy the demand of different user, the rate of insuring of user is low, moreover, insurance business scheme
It is stereotyped, it is competitiveless, it can not effectively solve the related pain spot of insurant.Accordingly, it is desirable to provide a kind of more compete
The technical solution of the insurance business solution formulation of power, higher rate of insuring.
Summary of the invention
The purpose of this specification embodiment is to provide processing method, device and the equipment of a kind of insurance business, to provide one
The technical solution of the insurance business solution formulation of more competitive, the higher rate of insuring of kind.
To realize that above-mentioned technical proposal, this specification embodiment are achieved in that
A kind of processing method for insurance business that this specification embodiment provides, which comprises
Obtain the insurance demand information that target user is directed to insurance business；
Based on the insurance demand information, the target histories number of the target user is obtained from scheduled block chain node
According to including at least the relevant historical data for characterizing the insurance demand information in the target histories data；
According to the target histories data and the insurance demand information, the insurance business for being directed to the target user is generated
Scheme.
Optionally, the historical behavior data in the target histories data including the target user and the target user
Historical results data.
Optionally, described according to the target histories data and the insurance demand information, it generates and is used for the target
The insurance business scheme at family, comprising:
The target histories data and the insurance demand information input are calculated into insurance Type model, are obtained
The corresponding target of the target user insures type；
Type, the target histories data and the insurance demand information are insured according to the target, are generated for described
The insurance business scheme of target user.
Optionally, described according to the target histories data and the insurance demand information, it generates and is used for the target
The insurance business scheme at family, comprising:
According to the target histories data, the corresponding pre-selection insurance type of the target user is determined；
Pre-selection insurance type corresponding to the target user and the insurance demand information carry out matching primitives, determine institute
State the corresponding target insurance type of target user；
Type, the target histories data and the insurance demand information are insured according to the target, are generated for described
The insurance business scheme of target user.
Optionally, the method also includes:
The insurance business scheme is sent to the target user；
After receiving operation behavior data of the target user to the insurance business scheme, by the operation behavior
Data are stored into scheduled block chain node.
Optionally, the block chain node is node, the node in privately owned chain or the node in publicly-owned chain in alliance's chain.
A kind of processing unit for insurance business that this specification embodiment provides, described device include:
Data obtaining module, the insurance demand information for being directed to insurance business for obtaining target user；
Historical data obtains module, for being based on the insurance demand information, obtains institute from scheduled block chain node
The target histories data of target user are stated, are included at least in the target histories data for characterizing the insurance demand information
Relevant historical data；
Insurance scheme generation module, for according to the target histories data and the insurance demand information, generation to be directed to
The insurance business scheme of the target user.
Optionally, the historical behavior data in the target histories data including the target user and the target user
Historical results data.
Optionally, the insurance scheme generation module, comprising:
First kind determination unit, for by the target histories data and the insurance demand information input to insuring class
It is calculated in pattern type, obtains the corresponding target insurance type of the target user；
Insurance scheme generation unit, for insuring type, the target histories data and the insurance according to the target
Demand information generates the insurance business scheme for being directed to the target user.
Optionally, the insurance scheme generation module, comprising:
Second Type determination unit, for determining the corresponding pre-selection of the target user according to the target histories data
Insure type；
Target type determination unit, for pre-selection corresponding to target user insurance type and insurance demand letter
Breath carries out matching primitives, determines the corresponding target insurance type of the target user；
Insurance scheme generation unit, for insuring type, the target histories data and the insurance according to the target
Demand information generates the insurance business scheme for being directed to the target user.
Optionally, described device further include:
Sending module, for the insurance business scheme to be sent to the target user；
Memory module, for after receiving operation behavior data of the target user to the insurance business scheme,
By operation behavior data storage into scheduled block chain node.
Optionally, the block chain node is node, the node in privately owned chain or the node in publicly-owned chain in alliance's chain.
A kind of processing equipment for insurance business that this specification embodiment provides, the processing equipment packet of the insurance business
It includes:
Processor；And
It is arranged to the memory of storage computer executable instructions, the executable instruction makes the place when executed
Manage device:
Obtain the insurance demand information that target user is directed to insurance business；
Based on the insurance demand information, the target histories number of the target user is obtained from scheduled block chain node
According to including at least the relevant historical data for characterizing the insurance demand information in the target histories data；
According to the target histories data and the insurance demand information, the insurance business for being directed to the target user is generated
Scheme.
The technical solution provided by above this specification embodiment is as it can be seen that this specification embodiment passes through acquisition target user
For the insurance demand information of insurance business, it is then possible to be based on the insurance demand information, obtained from scheduled block chain node
The target histories data of target user are taken, the correlation for characterizing the insurance demand information is included at least in the target histories data
Historical data can generate the insurance business side for being directed to target user according to the target histories data and the insurance demand information
Case, in this way, can by the insurance demand information of target user and the relevant historical data for characterizing the insurance demand information,
Exclusive insurance business scheme is customized for target user, since insurance business scheme is that the relevant information based on target user generates
, therefore the insurance business scheme generated can be different according to the difference of user, moreover, insurance business scheme is based on target
What the insurance demand information and relevant historical data of user generated, therefore, the insurance business scheme of generation more meets target user
Demand improve user experience so as to greatly improve user to the rate of insuring of insurance business scheme.
Detailed description of the invention
In order to illustrate more clearly of this specification embodiment or technical solution in the prior art, below will to embodiment or
Attached drawing needed to be used in the description of the prior art is briefly described, it should be apparent that, the accompanying drawings in the following description is only
The some embodiments recorded in this specification, for those of ordinary skill in the art, in not making the creative labor property
Under the premise of, it is also possible to obtain other drawings based on these drawings.
Fig. 1 is a kind of processing method embodiment of insurance business of this specification；
Fig. 2 is a kind of page display schematic diagram of insurance business customization of this specification；
Fig. 3 is the processing method embodiment of this specification another kind insurance business；
Fig. 4 is the processing method embodiment of another insurance business of this specification；
Fig. 5 is a kind of processing device embodiment of insurance business of this specification；
Fig. 6 is a kind of processing equipment embodiment of insurance business of this specification.
Specific embodiment
This specification embodiment provides processing method, device and the equipment of a kind of insurance business.
In order to make those skilled in the art more fully understand the technical solution in this specification, below in conjunction with this explanation
Attached drawing in book embodiment is clearly and completely described the technical solution in this specification embodiment, it is clear that described
Embodiment be only this specification a part of the embodiment, instead of all the embodiments.The embodiment of base in this manual,
Every other embodiment obtained by those of ordinary skill in the art without making creative efforts, all should belong to
The range of this specification protection.
Embodiment one
As shown in Figure 1, this specification embodiment provides a kind of processing method of insurance business, the executing subject of this method can
Think terminal device or server, wherein the terminal device can such as personal computer equipment.The server can be independence
Server, be also possible to the server cluster being made of multiple servers, moreover, the server can be comprising insurance business
A certain business (such as financial business) background server, be also possible to certain website (website of such as certain insurance institution or payment
Using etc.) background server etc..This method can be used for the actual conditions based on different user, determine the user there may be
The risks such as the person, health and property, and formulated in the processing such as corresponding insurance business scheme for the user, in order to improve insurance
The treatment effeciency of business is illustrated in the present embodiment by taking executing subject is server as an example, can the case where for terminal device
To be handled according to following related contents, details are not described herein.This method can specifically include following steps:
In step s 102, the insurance demand information that target user is directed to insurance business is obtained.
Wherein, target user can be any user, and target user can be the user with demand for insurance.Insurance business
It can refer to insurer according to making an appointment, to insurer's premium payment, the possibility made an appointment occurs for the insurer
Accident undertakes compensation insurance gold responsibility or insurant's die, injured or disabled, suffer diseases because of its property loss caused by occurring
Or the related service of the behavior of payment insurance money responsibility is undertaken when reaching the conditions such as the age made an appointment, time limit.Insurance
Business may include one or more insurance classifications, such as the insurance of personal safety class, healthy class insurance and the insurance of property class etc..Insurance
Demand information can be user to the demand information of a certain insurance classification or multiple insurance classifications, and insuring can wrap in demand information
Including age of user, gender, working condition (may include job specification, job site etc.), the vehicle condition possessed (can wrap
Include the vehicle purchase time limit, vehicle model etc.), it is the driving age, one or more in trip situation and health condition etc..
In an implementation, the intensification with the universal people of insurance knowledge to insurance theory, more and more people select insurance
As the important tool for oneself carrying out financing planning and risk management.And with the continuous increasing of the type of insurance business and project
It is more, how to select to be suitble to the insurance business scheme of oneself as problem to be solved in numerous insurance business schemes.It is logical
Often, insurance business scheme is to carry out unified operational program design by the actuarial produce sector in insurance institution, fix a price and put on record
, then, insurance business scheme can be launched into market and be sold by insurance institution.User with demand for insurance can be
Relevant insurance business scheme is checked or seeked advice from relevant commercial networks or Webpage, and can choose the guarantor for being suitble to oneself
Dangerous operational program is insured.
Since insurance business scheme is usually designed for uniformity by the actuarial produce sector in insurance institution, and it is different
User, its own the case where may be different, the demand to insurance business also can be different, in this way, selecting insurance business in user
Must not be without various choices or the insurance business scheme for insuring multiple and different when scheme, or even abandon insuring, to make
The demand that insurance business scheme is not able to satisfy different user is obtained, the rate of insuring of user is low, moreover, insurance business scheme thousand one
Rule, it is competitiveless, it can not effectively solve the related pain spot of insurant.For this purpose, this specification embodiment provides a kind of correlation
Technical solution specifically may refer to following related contents to solve the above problems:
Corresponding application program can be developed for insurance business, by the way that the insurance business can be requested to application program
Related service for example, can select an insurance classification (such as healthy class) by the application program, and requests the insurance class now
Related service (such as in-hospital medical insurance service or serious illness insurance service) etc..It can be equipped in the terminal device of target user
Above-mentioned application program during the above-mentioned application program of the installing terminal equipment of target user, can solicit whether user agrees to
The historical data of target user is collected, if target user agrees to, during target user's using terminal equipment, terminal
Equipment can recorde the information of target user's using terminal equipment progress relevant operation, target user uses above-mentioned application program mistake
The corelation behaviour data of target user etc. that the related data and terminal device generated in journey detects, and can be in real time by record
Above-mentioned data be sent to corresponding storage system and stored, wherein the storage system can be distributed memory system, also
It can be centralised storage system, in practical applications, which can be realized by block chain, in this manner it is ensured that
The reliability and accuracy of the above-mentioned data of storage.
It may include the customization option of insurance business in the application program, meet its people's when target user needs to customize
When insurance business, the customization option in the application program, the number of the available corresponding customized web page of terminal device can be clicked
According to, and the customized web page is presented to target user.It may include one or more information input frames in the customized web page, if
An information input frame is only included, then the information input frame can be used for the insurance demand letter that target user inputs insurance business
Breath, if including multiple information input frames, as shown in Fig. 2, may include such as age input frame, gender option and for inputting
The information input frame etc. of the insurance demand information of insurance business.Target user can according to the actual situation, in the customized web page
Corresponding information input frame in input corresponding information, after the completion of input, target user can be clicked in the customized web page really
Determine key, the information in the available information input frame of terminal device, and the information that can be will acquire to be used as insurance business
Insurance demand information, which can be sent to server, thus server it is available arrive target user
For the insurance demand information of insurance business.
It should be noted that as shown in Fig. 2, safety in order to guarantee user data, it can be in above-mentioned customized web page
The option for whether allowing to collect the relevant historical data of target user is set, if target user's selection allows to collect relevant historical
The option of data, the then information that can be entered information into frame are sent to server as insurance demand information, if target is used
Family selection does not allow to collect the option of relevant historical data, then can notify target user that can not carry out insurance customization, alternatively, can
To carry out insurance customization otherwise, such as only rely on the insurance demand information of target user, it is existing for target user's selection
There is insurance business scheme or generates the insurance business scheme etc. for being directed to target user.
In step S104, it is based on above-mentioned insurance demand information, obtains target user's from scheduled block chain node
Target histories data include at least the relevant historical data for characterizing the insurance demand information in the target histories data.
Wherein, target histories data may include many-sided historical data of target user, such as target user carries out certain
The related data of item movement (such as run, play basketball, play soccer or play badminton) specifically such as may include movement duration, adjacent
Interval duration etc. between movement twice, in addition, it can include as target user is medical or sick related data, specifically such as
Sick duration, adjacent time interval sick twice etc. every time.At least may include in target histories data and the guarantor
The relevant historical data of content in dangerous demand information, for example, including the healthy phase with target user in the insurance demand information
The information of pass may include then if target user carries out related data and the target user of a certain movement in target histories data
It examines or sick related data etc..
In an implementation, it is contemplated that the information content for including in the insurance demand information that target user submits is limited, Ke Nengwu
Body of laws reveals which insurance business scheme that target user is suitable in any insurance classification, for example, insurance demand information
In contain target user to the demand that is ensured of health, and may include in healthy class insurance in-hospital medical insurance scheme and
Serious illness insurance scheme therefore, it is impossible to determine which insurance business scheme target user is suitable for, and can not embody a needle
To the insurance business scheme of target user, for this purpose, the insurance demand information that can be submitted to target user is analyzed, Ke Yicong
Middle determining target user has demand to which insurance classification or which aspect, it is then possible to above-mentioned storage system request target
The insurance classification of user demand or the relevant historical data of aspect (i.e. target histories data) of demand.For example, by insurance
The analysis of demand information determines target user to having demand in terms of health care, then available such as target user carries out a certain
The related data of movement, can also be obtained such as target the time and duration such as played badminton and the frequency in the unit time etc.
User goes to a doctor or sick related data, such as medical or sick time and duration and the frequency in the unit time etc..
In addition, the above-mentioned data of target user are maliciously tampered or are stolen in order to prevent, it is above-mentioned for storing user's phase
The storage system for closing data can realize that therefore, terminal device can be in real time by the above-mentioned number of the user of record by block chain
It is stored according to the block chain link point being sent in corresponding block chain.And works as and get the guarantor that target user is directed to insurance business
, can be to the target histories data of the respective block chain node request target user in above-mentioned block chain after dangerous demand information, this
Sample, it is ensured that the reliability and accuracy of the target histories data of acquisition, to improve the insurance business scheme and target that generate
The matching degree of user.
In step s 106, it according to above-mentioned target histories data and above-mentioned insurance demand information, generates and is directed to target user
Insurance business scheme.
Wherein, it is the tangible insurance products and invisible guarantor that market or client provide that insurance business scheme, which can be insurance institution,
The synthesis nearly serviced, insurance business scheme, which can in a narrow sense refer to, to be created by insurance institution, for client's selection, and can be
The financial instrument that insurance market is traded can refer to that insurance institution provides and can be by client to market or client in a broad sense
All insurance products of acquirement, utilization or consumption and insurance service etc..Insurance business scheme may include certain one or more guarantor
Dangerous scheme, such as in-hospital medical insurance scheme or serious illness insurance scheme, different insurance business schemes, content can be different, with
It may include the following contents for in-hospital medical insurance scheme: premium: the xxx member/moon；Time limit: 1 year；Scope of insurance coverage: unlimited disease
Kind, unlimited treatment time；Deductible excess: 0 abatement of major disease, other disease years add up abatement 10,000；Reimbursement ratio: 100% report
Pin；Waiting period: 30 days (unexpected medical treatment N-free diet method phase)；Hospital area: second level and the above public hospital；Claims Resolution mode: upper doormat
Pay medical costs/convenient Claims Resolution online；Continuation of insurance: it can continue insurance year by year, exempt from waiting period, exempt from healthy informing；Surrender: reimbursement in full in 15 days
Without service charge etc..
It in an implementation, can be by each item number in target histories data after obtaining target histories data through the above way
Matching primitives are carried out according to above-mentioned insurance demand information, every data is obtained and insures the matching degree of demand information, it can basis
The matching degree of obtained every data and insurance demand information, is determined for compliance with the actual demand of target user, for example, target user
Insurance demand information instruction target user to having demand in terms of health care, moreover, by insurance demand information and target
The analysis of historical data determines that the sick number of target user is more, and disease is more miscellaneous etc., then can be mesh based on above- mentioned information
It marks user and generates the insurance scheme for being directed to its people, i.e. insurance business scheme, specific such as above-mentioned in-hospital medical insurance scheme.Separately
Outside, the insurance demand information of target user can also refer to other than having demand in terms of target user can be indicated to health care
Show that target user has demand to other aspects (such as personal safety or vehicle safety), if by insurance demand information and mesh
The analysis of historical data is marked, the corresponding insurance scheme for being directed to its people, such as vehicle insurance scheme or person meaning are generated for target user
Outer danger scheme etc..
This specification embodiment provides a kind of processing method of insurance business, is directed to insurance business by obtaining target user
Insurance demand information target user is obtained from scheduled block chain node it is then possible to be based on the insurance demand information
Target histories data include at least the relevant historical data for characterizing the insurance demand information in the target histories data, can
To generate the insurance business scheme for being directed to target user according to the target histories data and the insurance demand information, in this way, can be with
It is fixed for target user by the insurance demand information of target user and the relevant historical data for characterizing the insurance demand information
Exclusive insurance business scheme is made, since insurance business scheme is what the relevant information based on target user generated, is generated
Insurance business scheme can be different according to the difference of user, moreover, insurance business scheme is the insurance based on target user
What demand information and relevant historical data generated, therefore, the insurance business scheme of generation more meets the demand of target user, thus
User can be greatly improved to the rate of insuring of insurance business scheme, improve user experience.
Embodiment two
As shown in figure 3, this specification embodiment provides a kind of processing method of insurance business, the executing subject of this method can
Think terminal device or server, wherein the terminal device can such as personal computer equipment.The server can be independence
Server, be also possible to the server cluster being made of multiple servers, moreover, the server can be comprising insurance business
A certain business (such as financial business) background server, be also possible to certain website (website of such as certain insurance institution or payment
Using etc.) background server etc..This method can be used for the actual conditions based on different user, determine the user there may be
The risks such as the person, health and property, and formulated in the processing such as corresponding insurance business scheme for the user, in order to improve insurance
The treatment effeciency of business is illustrated in the present embodiment by taking executing subject is server as an example, can the case where for terminal device
To be handled according to following related contents, details are not described herein.This method can specifically include following steps:
In step s 302, the insurance demand information that target user is directed to insurance business is obtained.
The step content of above-mentioned steps S302 is identical as the step content of step S102 in above-described embodiment one, step S302
Concrete processing procedure may refer to the related content in above-mentioned steps S102, details are not described herein.
In step s 304, it is based on above-mentioned insurance demand information, obtains target user's from scheduled block chain node
Target histories data include at least the relevant historical data for characterizing the insurance demand information in the target histories data.
Wherein, the historical results number of the historical behavior data in the target histories data including target user and target user
According to.Historical behavior data can be the behavioral data of target user, such as target user runs, plays basketball, plays soccer or beat plumage
The related data of ball top, historical results data can be the related data that target user executes a certain affairs, for example, target user
The related data etc. of certain drug was had purchased in certain hospital on September 16th, 2018.Block chain node can be the section in alliance's chain
Point, the node in privately owned chain or node in publicly-owned chain etc..
In an implementation, during target user's using terminal equipment, terminal device can recorde target user's use
Terminal device carries out the information of relevant operation, target user uses the related data and terminal generated during above-mentioned application program
The corelation behaviour data for the target user that equipment detects and the relevant historical result data of target user etc..Due to target
The above-mentioned historical behavior data and historical results data of user belong to the personal information of target user, and above-mentioned data are to mesh
The behavior and target user of marking user execute the record for the result that a certain affairs obtain, and belong to personal behavior and the knot of target user
Fruit data, the above-mentioned data of target user are maliciously tampered or are stolen in order to prevent, can be in real time by the above-mentioned data of record
The block chain link point being sent in corresponding block chain is stored.
It, can insurance demand to target user after getting target user and being directed to the insurance demand information of insurance business
Information is analyzed, and can therefrom determine target user has demand to which insurance classification or which aspect, it is then possible to upwards
State the insurance classification of the respective block chain node request target user demand in block chain or the relevant history number of aspect of demand
According to (i.e. target histories data).
In step S306, according to above-mentioned target histories data, the corresponding pre-selection insurance type of target user is determined.
Wherein, pre-selection insurance type can be alternative insurance type, pre-selection insurance type may include it is a kind of or
A variety of insurance types, such as the person, health and property etc..
In an implementation, may include in target histories data target user many aspects historical data, by upper
The analysis of the historical data of many aspects is stated, the guarantee in terms of which target user may need can be determined, it is then possible to base
It may be suitble to the insurance type of target user in the guarantee determination that target user may need, the possibility of above-mentioned determination can be fitted
The insurance type for closing target user insures type as the corresponding pre-selection of target user.For example, including mesh in target histories data
The sick or medical related data and target user of mark user possess an automobile related data and target user repeatedly into
The related data of row sports, then by the analysis to above-mentioned data, in terms of can determining that target user may need medical treatment
Guarantee, the guarantee in terms of guarantee and personal safety in terms of vehicle safety etc., can be by the person, health and property three insurances
Type insures type as the corresponding pre-selection of target user.
In step S308, pre-selection insurance type corresponding to target user and above-mentioned insurance demand information carry out matching meter
It calculates, determines the corresponding target insurance type of target user.
Wherein, target insurance type can be the insurance type of target user's demand.
It in an implementation, can be to target user after obtaining the corresponding pre-selection insurance type of target user through the above way
Insurance demand information analyzed, specifically may is that can according to insurance demand information in include keyword, insurance be told
Information is asked to be divided into multiple and different parts, each part can distribute corresponding weight according to its corresponding keyword, then
Clustering processing can be carried out to the same or similar part, the weight for the various pieces for including in one kind can be overlapped,
Obtain such corresponding weight, the weight of each class available in this way, can by each class respectively with pre-selection insurance type into
Row the matching analysis determines the corresponding matching value of each pre-selection insurance type, matching value can be greater than preset matching threshold
The pre-selection insurance type of value insures type as the corresponding target of target user.For example, based on the example in above-mentioned steps S306,
Pre-selection insurance type includes the person, health and property, if determining pre-selection insurance by the above-mentioned analysis to insurance demand information
Type is that the corresponding matching value of the person is less than preset matching threshold, then health and property can be determined as target user
Corresponding target insures type.
In step s310, type, target histories data and above-mentioned insurance demand information are insured according to above-mentioned target, generated
For the insurance business scheme of target user.
In an implementation, after determining target insurance type through the above way, target histories data and above-mentioned guarantor can be based on
Dangerous demand information is that target user generates the insurance scheme for being directed to its people, i.e. insurance business scheme.Such as target insures type
Including health and property, then, determine that target user is raw by the analysis to target histories data and above-mentioned insurance demand information
The number of disease is more, and disease is more miscellaneous, and target user often drives to go on a journey, and the driving age of target user is shorter, then can be with
It generates for target user for the vehicle insurance scheme of its people and inpatient medical danger scheme etc..
In step S312, above-mentioned insurance business scheme is sent to target user.
In step S314, after receiving operation behavior data of the target user to above-mentioned insurance business scheme, by this
Operation behavior data are stored into scheduled block chain node.
Wherein, block chain node can be node, the node in privately owned chain or the node in publicly-owned chain etc. in alliance's chain.
In an implementation, insurance business scheme may include an insurance scheme, also may include multiple insurance schemes, as general
After above-mentioned insurance business scheme is sent to target user, each insurance business side can be shown with the terminal device of target user
Case, target user can check the particular content of each insurance business scheme, if target user thinks some or multiple guarantors
Dangerous operational program is suitble to oneself, then can insure, and during insuring, the terminal device of target user can be to service
Device sends target user to the operation behavior data of above-mentioned insurance business scheme, and server can be by target user to above-mentioned insurance
The operation behavior data of operational program are stored into scheduled block chain node.
This specification embodiment provides a kind of processing method of insurance business, is directed to insurance business by obtaining target user
Insurance demand information target user is obtained from scheduled block chain node it is then possible to be based on the insurance demand information
Target histories data include at least the relevant historical data for characterizing the insurance demand information in the target histories data, can
To generate the insurance business scheme for being directed to target user according to the target histories data and the insurance demand information, in this way, can be with
It is fixed for target user by the insurance demand information of target user and the relevant historical data for characterizing the insurance demand information
Exclusive insurance business scheme is made, since insurance business scheme is what the relevant information based on target user generated, is generated
Insurance business scheme can be different according to the difference of user, moreover, insurance business scheme is the insurance based on target user
What demand information and relevant historical data generated, therefore, the insurance business scheme of generation more meets the demand of target user, thus
User can be greatly improved to the rate of insuring of insurance business scheme, improve user experience.
Embodiment three
As shown in figure 4, this specification embodiment provides a kind of processing method of insurance business, the executing subject of this method can
Think terminal device or server, wherein the terminal device can such as personal computer equipment.The server can be independence
Server, be also possible to the server cluster being made of multiple servers, moreover, the server can be comprising insurance business
A certain business (such as financial business) background server, be also possible to certain website (website of such as certain insurance institution or payment
Using etc.) background server etc..This method can be used for the actual conditions based on different user, determine the user there may be
The risks such as the person, health and property, and formulated in the processing such as corresponding insurance business scheme for the user, in order to improve insurance
The treatment effeciency of business is illustrated in the present embodiment by taking executing subject is server as an example, can the case where for terminal device
To be handled according to following related contents, details are not described herein.This method can specifically include following steps:
In step S402, the insurance demand information that target user is directed to insurance business is obtained.
In step s 404, it is based on above-mentioned insurance demand information, obtains target user's from scheduled block chain node
Target histories data include at least the relevant historical data for characterizing the insurance demand information in the target histories data.
Wherein, the historical results number of the historical behavior data in the target histories data including target user and target user
According to.Block chain node is node, the node in privately owned chain or the node in publicly-owned chain in alliance's chain.
The step content of above-mentioned steps S402 and step S404 respectively with step S302 and step in above-described embodiment two
The step content of S304 is identical, the concrete processing procedure of step S402 and step S404 can respectively referring to above-mentioned steps S302 and
Related content in step S304, details are not described herein.
In step S406, by above-mentioned target histories data and above-mentioned insurance demand information input into insurance Type model
It is calculated, obtains the corresponding target insurance type of target user.
Wherein, insurance Type model can construct in several ways, such as the insurance can be constructed by clustering algorithm
Type model, clustering algorithm therein may include k-means algorithm, k-medoids algorithm, Birch algorithm and Cure algorithm
One or more of Deng, the insurance Type model, similarity mode therein can also be constructed by similarity mode algorithm
Algorithm can be the related algorithm based on Euclidean distance, the related algorithm based on Chebyshev's distance and based on Manhattan away from
From related algorithm etc., be also based on clustering algorithm and similarity mode algorithm construct the insurance Type model, this theory jointly
Bright book embodiment to insurance Type model building mode without limitation.The building mode for insuring Type model is different, obtains mesh
The treatment process of the corresponding target insurance type of mark user can also be different, specifically can be based on the correlation in insurance Type model
Algorithm is handled.
In step S408, type, above-mentioned target histories data and above-mentioned insurance demand information are insured according to above-mentioned target,
Generate the insurance business scheme for being directed to target user.
In step S410, above-mentioned insurance business scheme is sent to target user.
In step S412, after receiving operation behavior data of the target user to insurance business scheme, by the operation
Behavioral data is stored into scheduled block chain node.
Wherein, which is node, the node in privately owned chain or the node in publicly-owned chain in alliance's chain.
Above-mentioned steps S408~step S412 step content respectively with step S310~step in above-described embodiment two
The step content of S314 is identical, step S408~step S412 concrete processing procedure can respectively referring to above-mentioned steps S310~
Related content in step S314, details are not described herein.
This specification embodiment provides a kind of processing method of insurance business, is directed to insurance business by obtaining target user
Insurance demand information target user is obtained from scheduled block chain node it is then possible to be based on the insurance demand information
Target histories data include at least the relevant historical data for characterizing the insurance demand information in the target histories data, can
To generate the insurance business scheme for being directed to target user according to the target histories data and the insurance demand information, in this way, can be with
It is fixed for target user by the insurance demand information of target user and the relevant historical data for characterizing the insurance demand information
Exclusive insurance business scheme is made, since insurance business scheme is what the relevant information based on target user generated, is generated
Insurance business scheme can be different according to the difference of user, moreover, insurance business scheme is the insurance based on target user
What demand information and relevant historical data generated, therefore, the insurance business scheme of generation more meets the demand of target user, thus
User can be greatly improved to the rate of insuring of insurance business scheme, improve user experience.
Example IV
The above are the processing methods for the insurance business that this specification embodiment provides, and are based on same thinking, this specification
Embodiment also provides a kind of processing unit of insurance business, as shown in Figure 5.
The processing unit of the insurance business includes: data obtaining module 501, historical data acquisition module 502 and insurer
Case generation module 503, in which:
Data obtaining module 501, the insurance demand information for being directed to insurance business for obtaining target user；
Historical data obtains module 502, for being based on the insurance demand information, obtains from scheduled block chain node
The target histories data of the target user are included at least for characterizing the insurance demand information in the target histories data
Relevant historical data；
Insurance scheme generation module 503, for generating needle according to the target histories data and the insurance demand information
To the insurance business scheme of the target user.
Historical behavior data and institute in this specification embodiment, in the target histories data including the target user
State the historical results data of target user.
In this specification embodiment, the insurance scheme generation module 503, comprising:
First kind determination unit, for by the target histories data and the insurance demand information input to insuring class
It is calculated in pattern type, obtains the corresponding target insurance type of the target user；
Insurance scheme generation unit, for insuring type, the target histories data and the insurance according to the target
Demand information generates the insurance business scheme for being directed to the target user.
In this specification embodiment, the insurance scheme generation module 503, comprising:
Second Type determination unit, for determining the corresponding pre-selection of the target user according to the target histories data
Insure type；
Target type determination unit, for pre-selection corresponding to target user insurance type and insurance demand letter
Breath carries out matching primitives, determines the corresponding target insurance type of the target user；
Insurance scheme generation unit, for insuring type, the target histories data and the insurance according to the target
Demand information generates the insurance business scheme for being directed to the target user.
In this specification embodiment, described device further include:
Sending module, for the insurance business scheme to be sent to the target user；
Memory module, for after receiving operation behavior data of the target user to the insurance business scheme,
By operation behavior data storage into scheduled block chain node.
In this specification embodiment, the block chain node is node, the node in privately owned chain or publicly-owned in alliance's chain
Node in chain.
This specification embodiment provides a kind of processing unit of insurance business, is directed to insurance business by obtaining target user
Insurance demand information target user is obtained from scheduled block chain node it is then possible to be based on the insurance demand information
Target histories data include at least the relevant historical data for characterizing the insurance demand information in the target histories data, can
To generate the insurance business scheme for being directed to target user according to the target histories data and the insurance demand information, in this way, can be with
It is fixed for target user by the insurance demand information of target user and the relevant historical data for characterizing the insurance demand information
Exclusive insurance business scheme is made, since insurance business scheme is what the relevant information based on target user generated, is generated
Insurance business scheme can be different according to the difference of user, moreover, insurance business scheme is the insurance based on target user
What demand information and relevant historical data generated, therefore, the insurance business scheme of generation more meets the demand of target user, thus
User can be greatly improved to the rate of insuring of insurance business scheme, improve user experience.
Embodiment five
The above are the processing units for the insurance business that this specification embodiment provides, and are based on same thinking, this specification
Embodiment also provides a kind of processing equipment of insurance business, as shown in Figure 6.
The processing equipment of the insurance business can be server provided by the above embodiment or terminal device.
The processing equipment of insurance business can generate bigger difference because configuration or performance are different, may include one or
More than one processor 601 and memory 602 can store one or more storages in memory 602 using journey
Sequence or data.Wherein, memory 602 can be of short duration storage or persistent storage.The application program for being stored in memory 602 can be with
Including one or more modules (diagram is not shown), each module may include one in the processing equipment to insurance business
Family computer executable instruction.Further, processor 601 can be set to communicate with memory 602, in insurance business
Processing equipment on execute memory 602 in series of computation machine executable instruction.The processing equipment of insurance business can be with
Including one or more power supplys 603, one or more wired or wireless network interfaces 604, one or more
Input/output interface 605, one or more keyboards 606.
Specifically in the present embodiment, the processing equipment of insurance business includes memory and one or more
Program, perhaps more than one program is stored in memory and one or more than one program may include one for one of them
A or more than one module, and each module may include that series of computation machine in processing equipment to insurance business is executable
Instruction, and be configured to execute this or more than one program by one or more than one processor to include for carrying out
Following computer executable instructions:
Obtain the insurance demand information that target user is directed to insurance business；
Based on the insurance demand information, the target histories number of the target user is obtained from scheduled block chain node
According to including at least the relevant historical data for characterizing the insurance demand information in the target histories data；
According to the target histories data and the insurance demand information, the insurance business for being directed to the target user is generated
Scheme.
Historical behavior data and institute in this specification embodiment, in the target histories data including the target user
State the historical results data of target user.
In this specification embodiment, described according to the target histories data and the insurance demand information, generation is directed to
The insurance business scheme of the target user, comprising:
The target histories data and the insurance demand information input are calculated into insurance Type model, are obtained
The corresponding target of the target user insures type；
Type, the target histories data and the insurance demand information are insured according to the target, are generated for described
The insurance business scheme of target user.
In this specification embodiment, described according to the target histories data and the insurance demand information, generation is directed to
The insurance business scheme of the target user, comprising:
According to the target histories data, the corresponding pre-selection insurance type of the target user is determined；
Pre-selection insurance type corresponding to the target user and the insurance demand information carry out matching primitives, determine institute
State the corresponding target insurance type of target user；
Type, the target histories data and the insurance demand information are insured according to the target, are generated for described
The insurance business scheme of target user.
In this specification embodiment, further includes:
The insurance business scheme is sent to the target user；
After receiving operation behavior data of the target user to the insurance business scheme, by the operation behavior
Data are stored into scheduled block chain node.
In this specification embodiment, the block chain node is node, the node in privately owned chain or publicly-owned in alliance's chain
Node in chain.
This specification embodiment provides a kind of processing equipment of insurance business, is directed to insurance business by obtaining target user
Insurance demand information target user is obtained from scheduled block chain node it is then possible to be based on the insurance demand information
Target histories data include at least the relevant historical data for characterizing the insurance demand information in the target histories data, can
To generate the insurance business scheme for being directed to target user according to the target histories data and the insurance demand information, in this way, can be with
It is fixed for target user by the insurance demand information of target user and the relevant historical data for characterizing the insurance demand information
Exclusive insurance business scheme is made, since insurance business scheme is what the relevant information based on target user generated, is generated
Insurance business scheme can be different according to the difference of user, moreover, insurance business scheme is the insurance based on target user
What demand information and relevant historical data generated, therefore, the insurance business scheme of generation more meets the demand of target user, thus
User can be greatly improved to the rate of insuring of insurance business scheme, improve user experience.
It is above-mentioned that this specification specific embodiment is described.Other embodiments are in the scope of the appended claims
It is interior.In some cases, the movement recorded in detail in the claims or step can be come according to the sequence being different from embodiment
It executes and desired result still may be implemented.In addition, process depicted in the drawing not necessarily require show it is specific suitable
Sequence or consecutive order are just able to achieve desired result.In some embodiments, multitasking and parallel processing be also can
With or may be advantageous.
In the 1990s, the improvement of a technology can be distinguished clearly be on hardware improvement (for example,
Improvement to circuit structures such as diode, transistor, switches) or software on improvement (improvement for method flow).So
And with the development of technology, the improvement of current many method flows can be considered as directly improving for hardware circuit.
Designer nearly all obtains corresponding hardware circuit by the way that improved method flow to be programmed into hardware circuit.Cause
This, it cannot be said that the improvement of a method flow cannot be realized with hardware entities module.For example, programmable logic device
(Programmable Logic Device, PLD) (such as field programmable gate array (Field Programmable Gate
Array, FPGA)) it is exactly such a integrated circuit, logic function determines device programming by user.By designer
Voluntarily programming comes a digital display circuit " integrated " on a piece of PLD, designs and makes without asking chip maker
Dedicated IC chip.Moreover, nowadays, substitution manually makes IC chip, this programming is also used instead mostly " is patrolled
Volume compiler (logic compiler) " software realizes that software compiler used is similar when it writes with program development,
And the source code before compiling also write by handy specific programming language, this is referred to as hardware description language
(Hardware Description Language, HDL), and HDL is also not only a kind of, but there are many kind, such as ABEL
(Advanced Boolean Expression Language)、AHDL(Altera Hardware Description
Language)、Confluence、CUPL(Cornell University Programming Language)、HDCal、JHDL
(Java Hardware Description Language)、Lava、Lola、MyHDL、PALASM、RHDL(Ruby
Hardware Description Language) etc., VHDL (Very-High-Speed is most generally used at present
Integrated Circuit Hardware Description Language) and Verilog.Those skilled in the art also answer
This understands, it is only necessary to method flow slightly programming in logic and is programmed into integrated circuit with above-mentioned several hardware description languages,
The hardware circuit for realizing the logical method process can be readily available.
Controller can be implemented in any suitable manner, for example, controller can take such as microprocessor or processing
The computer for the computer readable program code (such as software or firmware) that device and storage can be executed by (micro-) processor can
Read medium, logic gate, switch, specific integrated circuit (Application Specific Integrated Circuit,
ASIC), the form of programmable logic controller (PLC) and insertion microcontroller, the example of controller includes but is not limited to following microcontroller
Device: ARC 625D, Atmel AT91SAM, Microchip PIC18F26K20 and Silicone Labs C8051F320 are deposited
Memory controller is also implemented as a part of the control logic of memory.It is also known in the art that in addition to
Pure computer readable program code mode is realized other than controller, can be made completely by the way that method and step is carried out programming in logic
Controller is obtained to come in fact in the form of logic gate, switch, specific integrated circuit, programmable logic controller (PLC) and insertion microcontroller etc.
Existing identical function.Therefore this controller is considered a kind of hardware component, and to including for realizing various in it
The device of function can also be considered as the structure in hardware component.Or even, it can will be regarded for realizing the device of various functions
For either the software module of implementation method can be the structure in hardware component again.
System, device, module or the unit that above-described embodiment illustrates can specifically realize by computer chip or entity,
Or it is realized by the product with certain function.It is a kind of typically to realize that equipment is computer.Specifically, computer for example may be used
Think personal computer, laptop computer, cellular phone, camera phone, smart phone, personal digital assistant, media play
It is any in device, navigation equipment, electronic mail equipment, game console, tablet computer, wearable device or these equipment
The combination of equipment.
For convenience of description, it is divided into various units when description apparatus above with function to describe respectively.Certainly, implementing this
The function of each unit can be realized in the same or multiple software and or hardware when specification one or more embodiment.
It should be understood by those skilled in the art that, the embodiment of this specification can provide as method, system or computer journey
Sequence product.Therefore, complete hardware embodiment, complete software embodiment or knot can be used in this specification one or more embodiment
The form of embodiment in terms of conjunction software and hardware.Moreover, this specification one or more embodiment can be used at one or more
A wherein includes computer-usable storage medium (the including but not limited to magnetic disk storage, CD- of computer usable program code
ROM, optical memory etc.) on the form of computer program product implemented.
The embodiment of this specification is referring to the method, equipment (system) and computer journey according to this specification embodiment
The flowchart and/or the block diagram of sequence product describes.It should be understood that flow chart and/or box can be realized by computer program instructions
The combination of the process and/or box in each flow and/or block and flowchart and/or the block diagram in figure.It can provide this
A little computer program instructions are to general purpose computer, special purpose computer, Embedded Processor or other programmable data processing devices
Processor to generate a machine so that the finger executed by the processor of computer or other programmable data processing devices
It enables and generates to specify in one or more flows of the flowchart and/or one or more blocks of the block diagram
The device of function.
These computer program instructions, which may also be stored in, is able to guide computer or other programmable data processing devices with spy
Determine in the computer-readable memory that mode works, so that it includes referring to that instruction stored in the computer readable memory, which generates,
Enable the manufacture of device, the command device realize in one box of one or more flows of the flowchart and/or block diagram or
The function of being specified in multiple boxes.
These computer program instructions also can be loaded onto a computer or other programmable data processing device, so that counting
Series of operation steps are executed on calculation machine or other programmable devices to generate computer implemented processing, thus in computer or
The instruction executed on other programmable devices is provided for realizing in one or more flows of the flowchart and/or block diagram one
The step of function of being specified in a box or multiple boxes.
In a typical configuration, calculating equipment includes one or more processors (CPU), input/output interface, net
Network interface and memory.
Memory may include the non-volatile memory in computer-readable medium, random access memory (RAM) and/or
The forms such as Nonvolatile memory, such as read-only memory (ROM) or flash memory (flash RAM).Memory is computer-readable medium
Example.
Computer-readable medium includes permanent and non-permanent, removable and non-removable media can be by any method
Or technology come realize information store.Information can be computer readable instructions, data structure, the module of program or other data.
The example of the storage medium of computer includes, but are not limited to phase change memory (PRAM), static random access memory (SRAM), moves
State random access memory (DRAM), other kinds of random access memory (RAM), read-only memory (ROM), electric erasable
Programmable read only memory (EEPROM), flash memory or other memory techniques, read-only disc read only memory (CD-ROM) (CD-ROM),
Digital versatile disc (DVD) or other optical storage, magnetic cassettes, tape magnetic disk storage or other magnetic storage devices
Or any other non-transmission medium, can be used for storage can be accessed by a computing device information.As defined in this article, it calculates
Machine readable medium does not include temporary computer readable media (transitory media), such as the data-signal and carrier wave of modulation.
It should also be noted that, the terms "include", "comprise" or its any other variant are intended to nonexcludability
It include so that the process, method, commodity or the equipment that include a series of elements not only include those elements, but also to wrap
Include other elements that are not explicitly listed, or further include for this process, method, commodity or equipment intrinsic want
Element.In the absence of more restrictions, the element limited by sentence "including a ...", it is not excluded that including described want
There is also other identical elements in the process, method of element, commodity or equipment.
It will be understood by those skilled in the art that the embodiment of this specification can provide as the production of method, system or computer program
Product.Therefore, this specification one or more embodiment can be used complete hardware embodiment, complete software embodiment or combine software
With the form of the embodiment of hardware aspect.Moreover, this specification one or more embodiment can be used it is one or more wherein
It include computer-usable storage medium (including but not limited to magnetic disk storage, CD-ROM, the light of computer usable program code
Learn memory etc.) on the form of computer program product implemented.
This specification one or more embodiment can computer executable instructions it is general on
It hereinafter describes, such as program module.Generally, program module includes executing particular task or realization particular abstract data type
Routine, programs, objects, component, data structure etc..Can also practice in a distributed computing environment this specification one or
Multiple embodiments, in these distributed computing environments, by being executed by the connected remote processing devices of communication network
Task.In a distributed computing environment, the local and remote computer that program module can be located at including storage equipment is deposited
In storage media.
All the embodiments in this specification are described in a progressive manner, same and similar portion between each embodiment
Dividing may refer to each other, and each embodiment focuses on the differences from other embodiments.Especially for system reality
For applying example, since it is substantially similar to the method embodiment, so being described relatively simple, related place is referring to embodiment of the method
Part explanation.
The foregoing is merely the embodiments of this specification, are not limited to this specification.For art technology
For personnel, this specification can have various modifications and variations.It is all made any within the spirit and principle of this specification
Modification, equivalent replacement, improvement etc., should be included within the scope of the claims of this specification.
Claims (13)
1. a kind of processing method of insurance business, which comprises
Obtain the insurance demand information that target user is directed to insurance business；
Based on the insurance demand information, the target histories data of the target user are obtained from scheduled block chain node,
The relevant historical data for characterizing the insurance demand information is included at least in the target histories data；
According to the target histories data and the insurance demand information, the insurance business side for being directed to the target user is generated
Case.
2. according to the method described in claim 1, including the historical behavior number of the target user in the target histories data
According to the historical results data with the target user.
3. according to the method described in claim 1, described according to the target histories data and the insurance demand information, generation
For the insurance business scheme of the target user, comprising:
The target histories data and the insurance demand information input are calculated into insurance Type model, are obtained described
The corresponding target of target user insures type；
Type, the target histories data and the insurance demand information are insured according to the target, are generated and are directed to the target
The insurance business scheme of user.
4. according to the method described in claim 1, described according to the target histories data and the insurance demand information, generation
For the insurance business scheme of the target user, comprising:
According to the target histories data, the corresponding pre-selection insurance type of the target user is determined；
Pre-selection insurance type corresponding to the target user and the insurance demand information carry out matching primitives, determine the mesh
It marks the corresponding target of user and insures type；
Type, the target histories data and the insurance demand information are insured according to the target, are generated and are directed to the target
The insurance business scheme of user.
5. according to the method described in claim 1, the method also includes:
The insurance business scheme is sent to the target user；
After receiving operation behavior data of the target user to the insurance business scheme, by the operation behavior data
It stores in scheduled block chain node.
6. according to the method described in claim 5, the block chain node be alliance's chain in node, the node in privately owned chain or
Node in publicly-owned chain.
7. a kind of processing unit of insurance business, described device include:
Data obtaining module, the insurance demand information for being directed to insurance business for obtaining target user；
Historical data obtains module, for being based on the insurance demand information, obtains the mesh from scheduled block chain node
The target histories data of user are marked, the correlation for characterizing the insurance demand information is included at least in the target histories data
Historical data；
Insurance scheme generation module, for generating for described according to the target histories data and the insurance demand information
The insurance business scheme of target user.
It include the historical behavior number of the target user 8. device according to claim 7, in the target histories data
According to the historical results data with the target user.
9. device according to claim 7, the insurance scheme generation module, comprising:
First kind determination unit, for by the target histories data and the insurance demand information input to insuring class pattern
It is calculated in type, obtains the corresponding target insurance type of the target user；
Insurance scheme generation unit, for insuring type, the target histories data and the insurance demand according to the target
Information generates the insurance business scheme for being directed to the target user.
10. device according to claim 7, the insurance scheme generation module, comprising:
Second Type determination unit, for determining the corresponding pre-selection insurance of the target user according to the target histories data
Type；
Target type determination unit, for pre-selection corresponding to the target user insure type and the insurance demand information into
Row matching primitives determine the corresponding target insurance type of the target user；
Insurance scheme generation unit, for insuring type, the target histories data and the insurance demand according to the target
Information generates the insurance business scheme for being directed to the target user.
11. device according to claim 7, described device further include:
Sending module, for the insurance business scheme to be sent to the target user；
Memory module, for after receiving operation behavior data of the target user to the insurance business scheme, by institute
The storage of operation behavior data is stated into scheduled block chain node.
12. device according to claim 11, the block chain node is the node in alliance's chain, the node in privately owned chain
Or the node in publicly-owned chain.
13. a kind of processing equipment of insurance business, the processing equipment of the insurance business include:
Processor；And
It is arranged to the memory of storage computer executable instructions, the executable instruction makes the processing when executed
Device:
Obtain the insurance demand information that target user is directed to insurance business；
Based on the insurance demand information, the target histories data of the target user are obtained from scheduled block chain node,
The relevant historical data for characterizing the insurance demand information is included at least in the target histories data；
According to the target histories data and the insurance demand information, the insurance business side for being directed to the target user is generated
Case.
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811259942.6A CN109559130A (en) | 2018-10-26 | 2018-10-26 | A kind of processing method of insurance business, device and equipment |
| TW108109548A TW202016859A (en) | 2018-10-26 | 2019-03-20 | Insurance service processing method, device and equipment |
| PCT/CN2019/101675 WO2020082872A1 (en) | 2018-10-26 | 2019-08-21 | Method, apparatus, and device for processing insurance service |
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| Application Number | Priority Date | Filing Date | Title |
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| CN201811259942.6A CN109559130A (en) | 2018-10-26 | 2018-10-26 | A kind of processing method of insurance business, device and equipment |
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- 2018-10-26 CN CN201811259942.6A patent/CN109559130A/en active Pending
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2019
- 2019-03-20 TW TW108109548A patent/TW202016859A/en unknown
- 2019-08-21 WO PCT/CN2019/101675 patent/WO2020082872A1/en active Application Filing
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| CN103473354A (en) * | 2013-09-25 | 2013-12-25 | 焦点科技股份有限公司 | Insurance recommendation system framework and insurance recommendation method based on e-commerce platform |
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Cited By (8)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2020082872A1 (en) * | 2018-10-26 | 2020-04-30 | 阿里巴巴集团控股有限公司 | Method, apparatus, and device for processing insurance service |
| CN110728585A (en) * | 2019-10-23 | 2020-01-24 | 泰康保险集团股份有限公司 | Authority guaranteeing method, device, equipment and storage medium |
| CN111127222A (en) * | 2019-11-25 | 2020-05-08 | 泰康保险集团股份有限公司 | Business service processing method, device, equipment and storage medium |
| CN111127222B (en) * | 2019-11-25 | 2023-04-18 | 泰康保险集团股份有限公司 | Business service processing method, device, equipment and storage medium |
| CN113034293A (en) * | 2019-12-25 | 2021-06-25 | 长城汽车股份有限公司 | Method and device for determining vehicle insurance category |
| CN111553600A (en) * | 2020-04-29 | 2020-08-18 | 广元量知汇科技有限公司 | Big data-based smart city business distribution system |
| CN111553600B (en) * | 2020-04-29 | 2021-01-12 | 江西融合科技有限责任公司 | Big data-based smart city business distribution system |
| CN113095945A (en) * | 2021-04-22 | 2021-07-09 | 北京十一贝科技有限公司 | Method and device for determining role of target insurance business |
Also Published As
| Publication number | Publication date |
|---|---|
| WO2020082872A1 (en) | 2020-04-30 |
| TW202016859A (en) | 2020-05-01 |
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