WO2019192101A1

WO2019192101A1 - Customer protection analysis method, electronic device, and computer readable storage medium

Info

Publication number: WO2019192101A1
Application number: PCT/CN2018/095278
Authority: WO
Inventors: 彭青龙
Original assignee: 平安科技（深圳）有限公司
Priority date: 2018-04-04
Filing date: 2018-07-11
Publication date: 2019-10-10
Also published as: CN108537675A

Abstract

A customer protection analysis method, comprising: sorting all insurance policy information of a target customer (S01); performing protection analysis on all the insurance policy information (S02), comprising performing annual daily expenditure analysis, children's education expenditure analysis, debt analysis, severe illness gap analysis, accident protection gap analysis, and children's education protection gap analysis; outputting a protection analysis result, comprising generating a protection analysis table and an insurance policy physical examination matrix table (S03), the insurance policy physical examination matrix table comprising an insurance coverage currently owned by the customer, a gap insurance coverage, and a proportion thereof which are listed according to each protection analysis, and the proportion of the coverage and the gap coverage being displayed in an image form; and pushing the protection analysis table and the insurance policy physical examination matrix table to the target customer (S04). A problem that an insurance platform is not intelligent enough in terms of a protection analysis mode for a customer is solved, and a fit degree for the insurance platform to recommend an insurance to a customer is improved.

Description

Customer protection analysis method, electronic device and computer readable storage medium

This application claims the priority of the Chinese patent application filed on Apr. 4, 2018, with the application number CN 2018103018414, entitled "Customer Migration Method, System, Computer Equipment and Storage Medium", the entire contents of which are incorporated by reference. The way is combined in this application.

Technical field

The present application relates to the field of insurance technology, and in particular, to a method for forming a portrait of a salesperson of a customer security analysis method, an electronic device, and a computer readable storage medium.

Background technique

With the development and progress of society, insurance is widely recognized as an emerging industry, and people's awareness of purchasing insurance is getting stronger and stronger. Correspondingly, how to recommend insurance for customers personally becomes a concern of various insurance platforms. one.

In the prior art, the scheme for recommending insurance for customers is generally to query the customer history policy through the background, analyze the matching insurance plan, and push it to the customer for selection. However, this customer security analysis method is not intelligent enough. First, the data of this analysis method is based on the guarantee situation of only one insurance platform, and cannot truly reflect the actual needs of customers. Secondly, only historical insurance data is used for analysis. The data foundation does not reflect the current living conditions of the client or the future life expectancy.

In view of the fact that the insurance platform for customers in the related technology is not intelligent enough, the effective solution has not been proposed yet.

Summary of the invention

The purpose of the application is to provide a customer security analysis method, an electronic device, and a computer readable storage medium, and to a certain extent overcome the problem that the insurance platform for the customer is not intelligent enough in the prior art, and the insurance platform is improved. The customer recommends the fit of the insurance.

The present application solves the above technical problems by the following technical solutions:

According to an aspect of the present application, a customer security analysis method is provided, including the following steps:

S01, combing all policy information of the target customer;

S02, safeguard analysis of all policy information, including annual daily expenditure analysis, child education expenditure analysis, liability analysis, critical illness gap analysis, accident protection gap analysis, and child education security gap analysis;

S03, the output guarantee analysis result includes a generation guarantee analysis table and a guarantee unit check matrix, and the guarantee unit check matrix includes a list of the current insurance amount, the gap insurance amount and the ratio of the two according to each guarantee analysis. The scale is presented in the form of a picture;

S04, the guarantee analysis table and the guarantee unit check matrix are pushed to the target customer.

In order to achieve the above object, according to another aspect of the present application, the present application further provides an electronic device including a memory and a processor, where the memory is used to store a customer security analysis system executable by the processor, and the customer security analysis system includes:

Data grooming module for combing all policy information of the target customer;

Data analysis module for safeguard analysis of all policy information, including annual daily expense analysis, child education expenditure analysis, liability analysis, critical illness gap analysis, accident protection gap analysis, and child education security gap analysis;

The output module is configured to output the result of the guarantee analysis, including generating a guarantee analysis table and a check-in matrix, and the check-in matrix includes the customer's current insured amount, the gap insurance amount, and the ratio of the two according to each guarantee analysis. The ratio of the two is shown in the form of a picture;

The push module is used to push the guarantee analysis table and the guarantee check matrix to the target customer.

In order to achieve the above object, the present application further provides a computer readable storage medium having a customer security analysis system stored therein, the client security analysis system being executable by at least one processor to cause at least one processor to execute The following steps of the customer assurance analysis method:

S01, combing all policy information of the target customer;

The positive progress of this application is that when the target customer protection analysis or recommendation insurance products are carried out, the policy information of the target customers on each insurance platform is first sorted, and then the policy information is combined with the daily expenses of the customer, the education expenses of the children, and the liabilities. Comprehensive analysis, determine the target customer's critical illness gap, accident protection gap, children's education security gap, generate a safeguard analysis form and a guarantee unit check matrix to push to the customer for display, so that customers can intuitively know the current insured amount in the table. The actual situation of the information such as the gap insurance amount and the ratio of the two. This customer security analysis method effectively solves the problem that the customer's security analysis method is not intelligent enough in the prior art, and improves the fit of the insurance platform to recommend insurance for customers.

DRAWINGS

1 is an optional schematic flowchart of a customer security analysis method according to an embodiment of the present application;

2 is a schematic diagram of an optional program module of a customer security analysis system according to an embodiment of the present application;

3 is a schematic diagram of another optional program module of a customer security analysis system according to an embodiment of the present application;

4 is a schematic diagram of still another optional program module of the customer security analysis system according to an embodiment of the present application;

FIG. 5 is a schematic diagram of an optional hardware architecture of an electronic device according to an embodiment of the present application.

detailed description

In order to make the objects, technical solutions, and advantages of the present application more comprehensible, the present application will be further described in detail below with reference to the accompanying drawings and embodiments. It is understood that the specific embodiments described herein are merely illustrative of the application and are not intended to be limiting. All other embodiments obtained by a person of ordinary skill in the art based on the embodiments of the present application without departing from the inventive scope are the scope of the present application.

Embodiment 1

The customer support analysis method provided by the present application will be described below with reference to the accompanying drawings.

FIG. 1 is an optional schematic flowchart of the customer security analysis method of the present application. As shown in FIG. 1 , the method may include the following steps S01-S04:

S01, combing all policy information of the target customer;

When combing the policy information of the target customer, it not only includes all the historical policies under the current insurance platform, but also needs to obtain the historical policy information of the target customers under other insurance platforms. In the specific implementation, the target customers are selected in the current database. Different policy information under the platform, in the second database, the different policy information of the target customer under other insurance platforms is filtered; then, the selected policy information is extracted, and the attribute information corresponding to the specific field is obtained, and the policy card is generated. .

Preferably, the specific field includes a policy relationship person field, a product name field, a security term field, a security content field, a payment field, and a receiving benefit mode field; the attribute information corresponding to the policy related person field includes: the insured information, the insured person Information and beneficiary information; the attribute information corresponding to the product name field includes: main insurance name and policy number information; the attribute information corresponding to the guarantee period field includes: policy effective time information, policy guarantee period information; and attribute information corresponding to the guarantee content field includes : different insurance types and corresponding insurance amount information; the attribute information corresponding to the payment field includes: unit time payment amount information, payment period information; the collection benefit method field includes specific interest collection method information.

In the process of safeguard analysis of all policy information, the following analysis is done to analyze daily expenses, children's education expenses, and liabilities:

Receiving the input annual expenditure amount of the child through the first input interface, wherein the first input interface includes a plurality of sub-input ports for receiving the daily expenditure amount of the corresponding attribute; and receiving the input education expenditure amount of the child through the second input interface, wherein The second input interface includes a plurality of sub-input ports for receiving the education expenditure amount corresponding to the child education expenditure corresponding attribute, and the child education expenditure corresponding attribute includes at least the pre-university education and the university education; and the input debt amount is received through the third input interface, wherein The third input interface includes a plurality of sub-input ports for receiving the liability amount of the corresponding attribute of the liability, and the liability corresponding attribute includes at least a car loan balance and a mortgage balance; and the amount received according to the first input interface, the second input interface, and the third input interface Determine the total daily expenses of the target customers, the total education expenses of the children, and the total liabilities.

In the analysis of the critical illness gap: calculate the total daily expenditure in the first year limit threshold (for example, the next 5 years) based on the determined annual daily expenditure; obtain the critical illness insurance total insurance amount in all the policy information of the target customer; The average treatment cost of severe illness (the average treatment cost for obtaining severe illness can be the default cost, for example, 189,000, can also be input changes according to the actual situation), calculate the critical illness gap, wherein the critical illness gap = the average treatment cost of severe illness + Total daily expenses in the first year limit threshold in the future - the total amount of insurance for critical illness insurance.

In the analysis of the accident protection gap: Calculate the total daily expenditure in the next second year threshold (for example, the next 10 years) based on the determined annual daily expenses, wherein the second year threshold is greater than the first year threshold; The insurance policy has the total life insurance coverage; the accident protection gap is calculated, wherein the accident protection gap = debt + total daily expenses in the second year limit threshold - the total life insurance amount of the existing life insurance;

In the analysis of the children's education security gap: the total insurance policy amount of all the policy information of the target customer is available; the child education security gap is calculated according to the determined total education expenditure of the child and the total amount of the existing education insurance obtained. , children's education security gap = total education expenses of children - total insurance coverage of education insurance.

Preferably, the foregoing protection analysis table includes a target customer basic information interface and a target customer security gap interface, wherein the target customer basic information interface includes an annual daily expenditure analysis, a child education expenditure analysis, and a liability analysis analysis result, and the target customer security gap interface includes Analysis of severe illness gap analysis, accident protection gap analysis, and analysis of children's education security gap. The customer basic information and the customer security gap information are displayed in separate pages or displayed on different pages on the same page, which allows the customer to more intuitively see the current actual situation and the actual situation of the current security gap.

In addition, the guarantee unit checklist includes a list of the amount of insurance coverage, gap insurance, and the ratio of the two customers according to each guarantee analysis. The specific implementation may include: the insurance coverage of the accident protection project, the gap insurance amount, and both. The ratio of the insured amount of the critical illness protection project, the gap insurance amount and the ratio of the two; the amount of insurance for the child education security project, the gap insurance amount and the ratio of the two; the insurance coverage of the old-age security, the gap insurance amount and both Proportion; the amount of insurance inheritance projects, the amount of coverage, and the ratio of the two. Each protection item is displayed separately, and the user can visually see the situation of each item. At the same time, the proportion of the insurance amount and the gap insurance amount that the customer currently has is displayed in the form of a picture, which is more vivid and more intuitive. Customers have stronger visual impact and improve the success rate of insurance recommendations.

In various embodiments of the present embodiment, when performing the target customer protection analysis or recommending the insurance product, the policy information of the target customer on each insurance platform is first sorted, and then the policy information is combined with the customer's annual daily expenses, the child's education expenses, and the liabilities. Comprehensive analysis of the situation, determine the target customer's critical illness gap, accident protection gap, children's education security gap, generate a safeguard analysis table and a single check matrix to be pushed to the customer for display, so that customers can intuitively know what they currently have in the table. The actual situation of information such as the amount of insurance, the amount of the gap, and the ratio of the two. This customer security analysis method effectively solves the problem that the customer's security analysis method is not intelligent enough in the prior art, and improves the fit of the insurance platform to recommend insurance for customers.

Through the description of the above embodiments, those skilled in the art can clearly understand that the foregoing embodiment method can be implemented by means of software plus a necessary general hardware platform, and of course, can also be through hardware, but in many cases, the former is better. Implementation.

Embodiment 2

Based on the customer security analysis method provided in the first embodiment, a customer security analysis system is provided in this embodiment. Specifically, FIG. 2-4 shows an optional structural block diagram of the customer security analysis system. The analysis system is partitioned into one or more program modules, one or more program modules being stored in a storage medium and executed by one or more processors to complete the application. The program module referred to in the present application refers to a series of computer program instruction segments capable of performing a specific function, and is more suitable for describing the execution process of the customer security analysis system in the storage medium than the program itself. The following description will specifically describe each program module of the embodiment. Features:

As shown in FIG. 2, the customer support analysis system 20 includes:

The data grooming module 21 is configured to sort all policy information of the target customer;

The data analysis module 22 is configured to perform security analysis on all policy information, including annual daily expenditure analysis, child education expenditure analysis, liability analysis, critical illness gap analysis, accident protection gap analysis, and child education security gap analysis;

The output module 23 is configured to output the result of the guarantee analysis, including generating a guarantee analysis table and a check-up check matrix, and the check-in matrix includes: listing each customer's current insurance amount, gap insurance amount, and the ratio of the two according to each guarantee analysis. The ratio of the two is shown in the form of a picture;

The pushing module 24 is configured to push the guarantee analysis table and the guarantee check matrix to the target customer.

Further, as shown in FIG. 3, the data grooming module 21 includes:

The screening unit 211 is configured to filter different policy information of the target customer under the current insurance platform in the first database, and filter different policy information of the target customer under other insurance platforms in the second database;

The generating unit 212 is configured to perform data extraction on the filtered policy information, obtain attribute information corresponding to the specific field, and generate a policy grooming table.

The specific field includes a policy relationship person field, a product name field, a guarantee period field, a guarantee content field, a payment field, and a receiving benefit mode field; the attribute information corresponding to the policy related person field includes: the insured person information, the insured person information, and the benefit The information information corresponding to the product name field includes: the main insurance name and the policy number information; the attribute information corresponding to the guarantee period field includes: the policy effective time information, the policy guarantee period information; the attribute information corresponding to the guarantee content field includes: different insurance Type and corresponding insurance quota information; the attribute information corresponding to the payment field includes: unit time payment amount information, payment period information; the collection benefit method field includes specific interest collection method information.

Further, as shown in FIG. 4, the data analysis module 22 includes:

The first receiving unit 221 is configured to receive the input annual daily expenditure amount through the first input interface, where the first input interface includes multiple sub-input ports for receiving the daily expenditure amount of the corresponding attribute;

The second receiving unit 222 is configured to receive the input education expenditure amount of the child through the second input interface, where the second input interface includes multiple sub-input ports for receiving the education expenditure amount corresponding to the child education expenditure corresponding attribute, and the child education expenditure corresponding to Attributes include at least pre-university education and university education;

The third receiving unit 223 is configured to receive the input debt amount through the third input interface, where the third input interface includes multiple sub-input ports for receiving the liability amount of the corresponding attribute of the liability, and the liability corresponding attribute includes at least the balance of the vehicle loan, Mortgage balance, other liabilities;

The determining unit 224 is configured to determine, according to the amount received by the first input interface, the second input interface, and the third input interface, the total annual expenditure of the target customer, the total amount of the child education expenditure, and the total liability.

Further, as shown in FIG. 4, the data analysis module 22 further includes:

The critical illness analysis unit 225 is configured to perform the critical illness gap analysis by calculating the total daily expenditure in the future first-year threshold according to the determined annual daily expenditure; obtaining the total critical illness insurance information of all the target customers Insured amount; get the average treatment cost of severe illness, calculate the critical illness gap, among which, the critical illness gap = the average treatment cost of severe illness + the total daily expenditure within the first year limit threshold - the total amount of insurance for critical illness insurance;

The accident guarantee gap analysis unit 226 is configured to perform an accident guarantee gap analysis by calculating a total daily expenditure within a second year limit threshold according to the determined annual daily expenditure, wherein the second year threshold is greater than the first year threshold; The total life insurance amount of the customer has all the insurance policy information; the accident protection gap is calculated, wherein the accident protection gap = debt + total daily expenses within the second year limit threshold - the total life insurance amount of the existing life insurance;

The child education security gap analysis unit 227 is used to analyze the child education security gap by the following schemes: obtaining the total insurance coverage of all the policy information of the target customer; according to the determined total education expenditure of the child and the existing education insurance obtained The total insured amount calculates the child education security gap, in which the child education security gap = the total amount of children's education expenditure - the total amount of education insurance.

Preferably, the guarantee analysis table generated by the output module includes a target customer basic information interface and a target customer security gap interface, wherein the target customer basic information interface includes annual daily expenditure analysis, child education expenditure analysis, and debt analysis analysis results, and target customer protection. The gap interface includes analysis of severe illness gap analysis, accident protection gap analysis, and analysis of children's education security gap analysis.

In addition, the matrix check matrix generated by the output module includes the insurance coverage, the gap insurance amount and the ratio of the two, according to each guarantee analysis. The guarantee unit checklist specifically includes: the insurance coverage of the accident protection project, the gap guarantee The ratio of the amount and the two; the insured amount of the critical illness protection project, the gap insurance amount and the ratio of the two; the insurance coverage of the child education security project, the gap insurance amount and the ratio of the two; the insurance coverage of the old-age security, the gap insurance amount The ratio of the two; the amount of the wealth inheritance project, the amount of the gap, and the ratio of the two.

With regard to the apparatus in the above embodiments, the specific manner in which the respective units and modules perform the operations has been described in detail in the embodiments related to the method, and will not be explained in detail herein.

In various embodiments of the present embodiment, when performing the target customer protection analysis or recommending the insurance product, the policy information of the target customer on each insurance platform is first sorted, and then the policy information is combined with the customer's annual daily expenses, the child's education expenses, and the liabilities. Comprehensive analysis of the situation, determine the target customer's critical illness gap, accident protection gap, children's education security gap, generate a safeguard analysis table and a single check matrix to be pushed to the customer for display, so that customers can intuitively know what they currently have in the table. The actual situation of information such as the amount of insurance, the amount of the gap, and the ratio of the two. This customer protection analysis method effectively solves the problem that the customer's security analysis method is not intelligent enough in the prior art, and improves the fit of the insurance platform to recommend insurance for customers.

Embodiment 3

An electronic device is provided in a preferred embodiment 3 of the present application. FIG. 5 is a schematic diagram of a hardware architecture of an embodiment of an electronic device according to the present application. In the present embodiment, the electronic device 2 is an apparatus capable of automatically performing numerical calculation and/or information processing in accordance with an instruction set or stored in advance. For example, it can be a smartphone, a tablet, a laptop, a desktop computer, a rack server, a blade server, a tower server, or a rack server (including a stand-alone server, or a server cluster composed of multiple servers). As shown, the electronic device 2 includes at least, but not limited to, a memory 21, a processor 22, a network interface 23, and a customer support analysis system 20 that are communicably coupled to each other through a system bus. among them:

The memory 21 includes at least one type of computer readable storage medium including a flash memory, a hard disk, a multimedia card, a card type memory (eg, SD or DX memory, etc.), a random access memory (RAM), a static random access memory. (SRAM), read only memory (ROM), electrically erasable programmable read only memory (EEPROM), programmable read only memory (PROM), magnetic memory, magnetic disk, optical disk, and the like. In some embodiments, the memory 21 may be an internal storage module of the electronic device 2, such as a hard disk or a memory of the electronic device 2. In other embodiments, the memory 21 may also be an external storage device of the electronic device 2, such as a plug-in hard disk equipped on the electronic device 2, a smart memory card (SMC), and a secure digital (Secure Digital, SD) card, flash card, etc. Of course, the memory 21 can also include both an internal storage module of the electronic device 2 and an external storage device thereof. In this embodiment, the memory 21 is generally used to store an operating system installed in the electronic device 2 and various types of application software, such as program codes of the customer security analysis system 20. Further, the memory 21 can also be used to temporarily store various types of data that have been output or are to be output.

Processor 22 may be a Central Processing Unit (CPU), controller, microcontroller, microprocessor, or other data processing chip in some embodiments. The processor 22 is typically used to control the overall operation of the electronic device 2, such as performing control and processing related to data interaction or communication with the electronic device 2. In this embodiment, the processor 22 is configured to execute program code or processing data stored in the memory 21, such as the running customer security analysis system 20 and the like.

The network interface 23 may comprise a wireless network interface or a wired network interface, which is typically used to establish a communication connection between the electronic device 2 and other electronic devices. For example, the network interface 23 is for connecting the electronic device 2 to an external terminal through a network, establishing a data transmission channel, a communication connection, and the like between the electronic device 2 and the external terminal. The network can be an intranet, an Internet, a Global System of Mobile communication (GSM), a Wideband Code Division Multiple Access (WCDMA), a 4G network, a 5G network, Wireless or wired networks such as Bluetooth or Wi-Fi.

It is noted that FIG. 5 only shows the electronic device with components 21-23, but it should be understood that not all illustrated components may be implemented and that more or fewer components may be implemented instead.

In the present embodiment, the customer security analysis system 20 stored in the memory 21 can also be divided into one or more program modules, one or more program modules being stored in the memory 21 and being processed by one or more processors. (This embodiment is processor 22) is executed to complete the application.

Embodiment 4

The embodiment further provides a computer readable storage medium. The computer readable storage medium stores a customer security analysis system, and the customer security analysis system can be executed by at least one processor, so that at least one processor executes as in the first embodiment. The steps of the customer assurance analysis method.

In this embodiment, the computer readable storage medium includes a flash memory, a hard disk, a multimedia card, a card type memory (eg, SD or DX memory, etc.), a random access memory (RAM), a static random access memory (SRAM), a read only memory ( ROM), electrically erasable programmable read only memory (EEPROM), programmable read only memory (PROM), magnetic memory, magnetic disk, optical disk, and the like. In some embodiments, a computer readable storage medium may be an internal storage unit of a computer device, such as a hard disk or memory of the computer device. In other embodiments, the computer readable storage medium may also be an external storage device of a computer device, such as a plug-in hard disk equipped with the smart disk (SMC), Secure Digital (Secure Digital) , SD) card, flash card (Flash Card), etc. Of course, the computer readable storage medium can also include both an internal storage unit of the computer device and an external storage device thereof. In this embodiment, the computer readable storage medium is generally used to store an operating system installed on a computer device and various types of application software, such as a program code of the customer security analysis system of the second embodiment. Furthermore, the computer readable storage medium can also be used to temporarily store various types of data that have been output or are to be output.

The above is only a preferred embodiment of the present application, and is not intended to limit the scope of the patent application, and the equivalent structure or equivalent process transformations made by the specification and the drawings of the present application, or directly or indirectly applied to other related technical fields. The same is included in the scope of patent protection of this application.

Claims

A customer security analysis method, comprising the steps of:

S01, combing all policy information of the target customer;

S02, performing security analysis on all the policy information, including annual daily expenditure analysis, child education expenditure analysis, liability analysis, critical illness gap analysis, accident protection gap analysis, and child education security gap analysis;

S03, outputting the result of the guarantee analysis, comprising generating a guarantee analysis table and a guarantee unit check matrix, wherein the guarantee check matrix comprises listing the current insurance amount, the gap insurance amount, and the ratio of the two according to each guarantee analysis. , the ratio of the two is presented in the form of a picture;

S04, pushing the guarantee analysis table and the guarantee unit check matrix to the target client.
The customer security analysis method according to claim 1, wherein all policy information of the S01 grooming target client comprises:

Screening different policy information of the target customer under the current insurance platform in the first database, and screening different policy information of the target customer under other insurance platforms in the second database;

The selected policy information is extracted, and the attribute information corresponding to the specific field is obtained, and a policy card is generated, wherein the specific field includes a policy relationship person field, a product name field, a warranty period field, a guarantee content field, a payment field, and Receiving the benefit mode field; the attribute information corresponding to the policy relationship person field includes: the applicant information, the insured person information, and the beneficiary information; the attribute information corresponding to the product name field includes: the main insurance name and the policy number information; The attribute information corresponding to the protection period field includes: policy effective time information and policy guarantee period information; the attribute information corresponding to the protection content field includes: different insurance types and corresponding insurance amount information; and the attribute information corresponding to the payment field includes : Unit time payment amount information, payment period information; the receiving interest method field includes specific interest collection method information.
The customer security analysis method according to claim 2, wherein the annual daily expenditure analysis, the child education expenditure analysis, and the liability analysis in S02 include:

Receiving the input annual daily expenditure amount through the first input interface, wherein the first input interface includes a plurality of sub-input ports for receiving the daily expenditure amount of the corresponding attribute;

Receiving the input child education expenditure amount through the second input interface, wherein the second input interface comprises a plurality of sub-input ports for receiving an education expenditure amount corresponding to the child education expenditure corresponding attribute, the child education expenditure corresponding attribute at least including the university Pre-education, university education;

Receiving the input debt amount through the third input interface, where the third input interface includes a plurality of sub-input ports, and is configured to receive a liability amount corresponding to the attribute of the liability, where the liability corresponding attribute includes at least a car loan balance and a mortgage balance;

And determining, according to the amount received by the first input interface, the second input interface, and the third input interface, a total annual expenditure of the target customer, a total amount of the child's education expenses, and a total liability.
A customer security analysis method according to claim 3, characterized in that

S02 heavy illness gap analysis includes:

Calculate the total daily expenses in the first year limit threshold based on the determined annual daily expenses;

Obtaining the total insured value of the critical illness insurance from all the policy information of the target customer;

Obtain the average treatment cost of severe illness and calculate the critical illness gap, wherein the critical illness gap = the average treatment cost of the critical illness + the total daily expenditure within the first year limit threshold - the total insured value of the critical illness insurance.
A customer security analysis method according to claim 4, characterized in that

The accident coverage gap analysis in S02 includes:

Calculating a total daily expenditure in a second year limit threshold according to the determined annual daily expenditure, wherein the second year threshold is greater than the first year threshold;

Obtaining the total life insurance amount of all the policy information of the target customer;

Calculate the accident protection gap, where the accident protection gap = debt + total daily expenses within the second year limit threshold - the total life insurance coverage.
A customer security analysis method according to claim 5, characterized in that

The analysis of the education gap for children in S02 includes:

Obtaining the total amount of education insurance insured from all the policy information of the target customer;

The child education security gap is calculated based on the determined total education expenditure of the children and the total amount of the existing education insurance obtained. Among them, the child education security gap = the total education expenditure of the children - the total amount of education insurance.
The customer security analysis method according to claim 6, wherein the security analysis table generated in S03 includes a target customer basic information interface and a target customer security gap interface, wherein the target customer basic information interface includes the annual daily The analysis of the expenditure, the analysis of the education expenditure of the child, and the analysis result of the liability analysis, the target customer protection gap interface includes the analysis of the critical illness gap, the analysis of the accident protection gap, and the analysis result of the child education security gap analysis .
The customer security analysis method according to claim 1 or 7, wherein the security check matrix in S03 includes listing, according to each guarantee analysis, a customer's current insured amount, a gap insurance amount, and a ratio of the two. Including: the insurance coverage of the accident protection project, the gap insurance amount and the ratio of the two; the insurance coverage of the critical illness protection project, the gap insurance amount and the ratio of the two; the child insurance support project insurance amount, the gap insurance amount and both Proportion; the amount of insurance for the old-age security, the amount of the gap, and the ratio of the two; the amount of the inheritance of the wealth inheritance project, the amount of the gap, and the ratio of the two.
An electronic device includes a memory and a processor, wherein the memory is configured to store a customer security analysis system executable by the processor, the customer security analysis system comprising:

Data grooming module for combing all policy information of the target customer;

A data analysis module for performing security analysis on all policy information, including annual daily expense analysis, child education expenditure analysis, liability analysis, critical illness gap analysis, accident protection gap analysis, and child education security gap analysis;

And an output module, configured to output the result of the guarantee analysis, including generating a guarantee analysis table and a check-in check matrix, where the check-in matrix includes: listing each customer's current insurance amount, gap insurance amount, and two according to each guarantee analysis Ratio of the two, the ratio of the two is presented in the form of a picture;

And a pushing module, configured to push the guarantee analysis table and the guarantee check matrix to the target client.
The electronic device according to claim 9, wherein the data grooming module comprises:

a screening unit, configured to filter out different policy information of the target customer under the current insurance platform in the first database, and filter different policy information of the target customer under other insurance platforms in the second database;

a generating unit, configured to perform data extraction on the filtered policy information, obtain attribute information corresponding to the specific field, and generate a policy card, wherein the specific field includes a policy related person field, a product name field, a guarantee period field, and a guarantee content. a field, a payment field, and a receiving benefit mode field; the attribute information corresponding to the policy-relevant field includes: an applicant information, an insured person information, and a beneficiary information; and the attribute information corresponding to the product name field includes: a main insurance name, The policy number information; the attribute information corresponding to the protection period field includes: policy effective time information, policy guarantee period information; the attribute information corresponding to the protection content field includes: different insurance types and corresponding insurance amount information; the payment field The corresponding attribute information includes: unit time payment amount information and payment period information; the receiving benefit method field includes specific interest collection method information.
The electronic device according to claim 10, wherein the data analysis module comprises:

a first receiving unit, configured to receive the input annual daily expenditure amount through the first input interface, where the first input interface includes a plurality of sub-input ports for receiving a daily expenditure amount of the corresponding attribute;

a second receiving unit, configured to receive the input child education expenditure amount through the second input interface, where the second input interface includes a plurality of sub-input ports for receiving an education expenditure amount corresponding to the child education expenditure corresponding attribute, the child The corresponding attributes of education expenditure include at least pre-university education and university education;

a third receiving unit, configured to receive the input debt amount through the third input interface, where the third input interface includes a plurality of sub-input ports, configured to receive a liability amount of a liability corresponding attribute, where the liability corresponding attribute includes at least a vehicle Loan balance, mortgage balance, other liabilities;

And a determining unit, configured to determine, according to the amount received by the first input interface, the second input interface, and the third input interface, a total annual expenditure of the target customer, a total amount of the child education expenditure, and a total liability.
The electronic device according to claim 10, wherein the data analysis module further comprises:

The critical illness gap analysis unit is used to analyze the critical illness gap by calculating the total daily expenditure in the first year limit threshold according to the determined annual daily expenditure; obtaining the critical illness insurance from all the policy information of the target customer The average treatment cost of severe illness is calculated, and the critical illness gap is calculated. Among them, the critical illness gap = the average treatment cost of severe illness + the total daily expenditure within the first year limit threshold - the total insured value of the critical illness insurance;

The accident protection gap analysis unit is used for the accident protection gap analysis by calculating the total daily expenditure in the second year limit threshold according to the determined annual daily expenditure, wherein the second year threshold is greater than the first year threshold; obtaining the target customer All the policy information has the total life insurance coverage; calculate the accident protection gap, wherein the accident protection gap = debt + total daily expenses within the second year limit threshold - the total life insurance coverage;

The Child Education Security Gap Analysis Unit is used to analyze the child education security gap through the following schemes: obtain the total insurance coverage of all the policy information of the target customer; according to the determined total education expenses of the children and the total existing education insurance obtained The insured amount calculates the child education security gap, in which the child education security gap = total child education expenditure - the total amount of education insurance.
A computer readable storage medium, wherein the computer readable storage medium stores a computer program executable by at least one processor to cause the at least one processor to perform a customer security analysis The following steps of the method:

S01, combing all policy information of the target customer;

S02, performing security analysis on all the policy information, including annual daily expenditure analysis, child education expenditure analysis, liability analysis, critical illness gap analysis, accident protection gap analysis, and child education security gap analysis;

S03, outputting the result of the guarantee analysis, comprising generating a guarantee analysis table and a guarantee unit check matrix, wherein the guarantee check matrix comprises listing the current insurance amount, the gap insurance amount, and the ratio of the two according to each guarantee analysis. , the ratio of the two is presented in the form of a picture;

S04, pushing the guarantee analysis table and the guarantee unit check matrix to the target client.
The computer readable storage medium according to claim 13, wherein the S01 combing all the policy information of the target customer comprises:

Screening different policy information of the target customer under the current insurance platform in the first database, and screening different policy information of the target customer under other insurance platforms in the second database;

The selected policy information is extracted, and the attribute information corresponding to the specific field is obtained, and a policy card is generated, wherein the specific field includes a policy relationship person field, a product name field, a warranty period field, a guarantee content field, a payment field, and Receiving the benefit mode field; the attribute information corresponding to the policy relationship person field includes: the applicant information, the insured person information, and the beneficiary information; the attribute information corresponding to the product name field includes: the main insurance name and the policy number information; The attribute information corresponding to the protection period field includes: policy effective time information and policy guarantee period information; the attribute information corresponding to the protection content field includes: different insurance types and corresponding insurance amount information; and the attribute information corresponding to the payment field includes : Unit time payment amount information, payment period information; the receiving interest method field includes specific interest collection method information.
The computer readable storage medium according to claim 14, wherein the annual daily expenditure analysis, the child education expenditure analysis, and the liability analysis in S02 comprise:

Receiving the input annual daily expenditure amount through the first input interface, wherein the first input interface includes a plurality of sub-input ports for receiving the daily expenditure amount of the corresponding attribute;

Receiving the input child education expenditure amount through the second input interface, wherein the second input interface comprises a plurality of sub-input ports for receiving an education expenditure amount corresponding to the child education expenditure corresponding attribute, the child education expenditure corresponding attribute at least including the university Pre-education, university education;

Receiving the input debt amount through the third input interface, where the third input interface includes a plurality of sub-input ports, and is configured to receive a liability amount corresponding to the attribute of the liability, where the liability corresponding attribute includes at least a car loan balance and a mortgage balance;

And determining, according to the amount received by the first input interface, the second input interface, and the third input interface, a total annual expenditure of the target customer, a total amount of the child's education expenses, and a total liability.
A computer readable storage medium according to claim 15 wherein:

S02 heavy illness gap analysis includes:

Calculate the total daily expenses in the first year limit threshold based on the determined annual daily expenses;

Obtaining the total insured value of the critical illness insurance from all the policy information of the target customer;

Obtain the average treatment cost of severe illness and calculate the critical illness gap, wherein the critical illness gap = the average treatment cost of the critical illness + the total daily expenditure within the first year limit threshold - the total insured value of the critical illness insurance.
A computer readable storage medium according to claim 16 wherein:

The accident coverage gap analysis in S02 includes:

Calculating a total daily expenditure in a second year limit threshold according to the determined annual daily expenditure, wherein the second year threshold is greater than the first year threshold;

Obtaining the total life insurance amount of all the policy information of the target customer;

Calculate the accident protection gap, where the accident protection gap = debt + total daily expenses within the second year limit threshold - the total life insurance coverage.
A computer readable storage medium according to claim 17, wherein

The analysis of the education gap for children in S02 includes:

Obtaining the total amount of education insurance insured from all the policy information of the target customer;

The child education security gap is calculated based on the determined total education expenditure of the children and the total amount of the existing education insurance obtained. Among them, the child education security gap = the total education expenditure of the children - the total amount of education insurance.
The computer readable storage medium according to claim 18, wherein the security analysis table generated in S03 comprises a target customer basic information interface and a target customer security gap interface, wherein the target customer basic information interface includes the annual The daily expenditure analysis, the analysis of the child's education expenditure, and the analysis result of the debt analysis, the target customer protection gap interface includes the analysis of the critical illness gap, the accident security gap analysis, and the analysis of the child education security gap analysis result.
The computer readable storage medium according to claim 13 or 19, wherein the security check matrix in S03 comprises listing, according to each guarantee analysis, a customer's current insured amount, a gap insured amount, and a ratio of both. Including: the insurance coverage of the accident protection project, the gap insurance amount and the ratio of the two; the insurance coverage of the critical illness protection project, the gap insurance amount and the ratio of the two; the child insurance support project insurance amount, the gap insurance amount and both The ratio of the amount of insurance for the old-age security, the amount of the insured amount, and the ratio of the two; the amount of insurance for the inheritance project, the amount of the gap, and the ratio of the two.