CN106570760A - Quotation condition matching method and device - Google Patents
Quotation condition matching method and device Download PDFInfo
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- CN106570760A CN106570760A CN201611002156.9A CN201611002156A CN106570760A CN 106570760 A CN106570760 A CN 106570760A CN 201611002156 A CN201611002156 A CN 201611002156A CN 106570760 A CN106570760 A CN 106570760A
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- 238000000034 method Methods 0.000 title claims abstract description 27
- 230000008569 process Effects 0.000 claims description 12
- 238000005516 engineering process Methods 0.000 abstract description 3
- 230000000875 corresponding effect Effects 0.000 description 48
- 230000006870 function Effects 0.000 description 5
- 238000009826 distribution Methods 0.000 description 4
- 238000010168 coupling process Methods 0.000 description 3
- 238000005859 coupling reaction Methods 0.000 description 3
- 230000008878 coupling Effects 0.000 description 2
- 230000007246 mechanism Effects 0.000 description 2
- 238000003860 storage Methods 0.000 description 2
- 230000006399 behavior Effects 0.000 description 1
- 238000004364 calculation method Methods 0.000 description 1
- 230000008859 change Effects 0.000 description 1
- 238000004891 communication Methods 0.000 description 1
- 230000001186 cumulative effect Effects 0.000 description 1
- 238000004519 manufacturing process Methods 0.000 description 1
- 238000002620 method output Methods 0.000 description 1
Classifications
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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
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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
- G06Q30/02—Marketing; Price estimation or determination; Fundraising
- G06Q30/0201—Market modelling; Market analysis; Collecting market data
- G06Q30/0206—Price or cost determination based on market factors
Abstract
The invention is applicable to the field of computer technologies, and provides a quotation condition matching method and device. The quotation condition matching method comprises the steps of acquiring description information of an area and user information, wherein the user information comprises at least one item of information; determining a corresponding area code according to the description information of the area; querying attribute values matched with the user information under the area code, wherein each attribute value corresponds to at least one quotation condition; and outputting the queried quotation conditions corresponding to the attribute values matched with the user information. The accuracy of the outputted quotation conditions can be improved according to the method.
Description
Technical field
The embodiment of the present invention belongs to field of computer technology, more particularly to a kind of matching process and device of quotation condition.
Background technology
At present, when user needs to insure, business personnel needs to be determined according to information such as the insured amounts of insurer corresponding
Property value, and then corresponding quotation condition is determined according to the property value for determining.But because existing method is only capable of being worked as according to insurer
The region at front place determines corresponding quotation condition, and in a practical situation, insurer may flow in different regions, because
This, causes the quotation condition for determining wrong probability occur too high.
The content of the invention
Embodiments provide the matching process and device of a kind of quotation condition, it is intended to solve existing method output
Quotation condition there is the too high problem of probability of mistake.
Embodiment of the present invention first aspect, there is provided a kind of matching process of quotation condition, methods described includes：
The description information and user profile in area are obtained, the user profile includes at least one information；
Corresponding area code is determined according to the description information in the area；
The property value matched with the user profile is inquired about under the area code, each property value correspondence at least one
Quotation condition；
The quotation condition corresponding with the property value of user profile matching of output inquiry.
The second aspect of the embodiment of the present invention, there is provided a kind of coalignment of quotation condition, described device includes：
Description information acquiring unit, for obtaining the description information and user profile in area, the user profile includes
At least one information；
Area code determining unit, for determining corresponding area code according to the description information in the area；
The property value query unit of matching, for inquiring about the attribute matched with the user profile under the area code
Value, each quotation condition of property value correspondence at least one；
Quotation output with conditions unit, for the quotation bar corresponding with the property value of user profile matching of output inquiry
Part.
In embodiments of the present invention, due to exporting corresponding with the property value of user profile matching according to area code
Quotation condition, therefore so that the quotation condition of output more tallies with the actual situation, so as to improve output quotation condition it is accurate
Degree.
Description of the drawings
Fig. 1 is a kind of flow chart of the matching process of quotation condition that first embodiment of the invention is provided；
Fig. 2 is a kind of structure chart of the coalignment of quotation condition that second embodiment of the invention is provided.
Specific embodiment
In order that the objects, technical solutions and advantages of the present invention become more apparent, it is right below in conjunction with drawings and Examples
The present invention is further elaborated.It should be appreciated that specific embodiment described herein is only to explain the present invention, and
It is not used in the restriction present invention.
In the embodiment of the present invention, the description information and user profile in area is obtained, the user profile includes at least one
Item information, according to the description information in the area corresponding area code is determined, is inquired about under the area code and the use
The property value of family information matches, each property value correspondence at least one is offered condition, output inquiry with the user profile
The corresponding quotation condition of property value matched somebody with somebody.
In order to illustrate technical solutions according to the invention, illustrate below by specific embodiment.
Embodiment one：
Fig. 1 shows a kind of flow chart of the matching process of quotation condition that first embodiment of the invention is provided, and describes in detail such as
Under：
Step S11, obtains the description information and user profile in area, and the user profile includes at least one information.
Wherein, regional description information includes：The abbreviation in area, such as adopts " Guangdong " as the description information in " Guangdong "；Ground
The full name in area；The azimuth information in area etc..
Wherein, user profile includes following at least one information：The identification information of insurer is (such as name, identification card number, shield
According to etc.), number of insuring, age at issue, insured amount etc..
Step S12, according to the description information in the area corresponding area code is determined.
Specifically, it is in advance the corresponding area code of different regions setting, and it is right with area code to store different regions
Should be related to.For example, to the mechanism in Sichuan, the area code of setting is G18, Jiangjin mechanism to Sichuan Province, the area generation of setting
Code is G1802.
Alternatively, step S12 is specifically included：
A1, by it is described area description information compare with default area code.
A2, when there is the description information identical area code with the area in default area code, will be described
Area code is defined as the corresponding area code of description information in the area.Specifically, when the description information in area is directly certain
It is individual area area code when, then directly by obtain regional description information be defined as area code.
A3, when there is no the description information identical area code with the area in default area code, will be with
The regional corresponding area code that the corresponding area of description information in the area is closest is defined as the regional description
The corresponding area code of information.Specifically, if the description information for judging area is not certain regional corresponding area code,
The corresponding area of description information in the identification area, and by (this area divides in advance with the regional closest area of identification
With corresponding area code) corresponding area code be defined as obtain the corresponding area code of description information.
Step S13, inquires about the property value matched with the user profile under the area code, each property value correspondence
At least one quotation condition.
Alternatively, before step S13, including：
Preset attribute value, default property value include it is following at least one：Area code, people's number interval, age at issue area
Between, occupational group, sex, retired number accounting, insured amount interval, deductible excess is interval, compensate cost, premium regulation coefficient.
Specifically, it is assumed that default property value includes people's number interval, then the corresponding quotation condition of people's number interval can be：0～
10 people, alternatively 0～20 people.
In the step, when user profile includes insuring number, then the property value for matching with the number of insuring is " number area
Between ".
Step S14, the quotation condition corresponding with the property value of user profile matching of output inquiry.
It is pointed out that the quotation condition for exporting here is equally matched with user profile.For example, when the number of insuring is 4
When, it is assumed that people's number interval includes 0～10 and 11～20 the two quotation conditions, then the property value for matching with the number of insuring is " people
Number interval ", the quotation condition of matching is " 0～10 " this quotation condition.
Alternatively, it is more accurate in order to export when the quotation condition with the same item information matches of user profile includes multiple
True quotation condition, then step S14 specifically include：
B1, whether judge with the number of the quotation condition of the same item information matches of the user profile more than 1.Specifically
Whether ground, judge the number of quotation condition corresponding with the property value of the same item information matches of the user profile more than 1, if
It is whether the same item information for then judging the user profile meets the requirement of different quotation conditions.For example, when the number of insuring
For 4 when, the property value behaviour number interval matched with the number of insuring, and people's number interval include 0～10 and 0～20 the two quotation
Condition, then continue whether judgement number " 4 " of insuring meets the requirement of " 0～10 " this quotation condition, and judges number of insuring
Whether " 4 " meet the requirement of " 0～20 " this quotation condition.Due to all meeting, then the same item information with user profile is judged
The number of the quotation condition of (number of insuring) matching is more than 1.
B2, the number with the quotation condition of the same item information matches of the user profile be more than 1 when, respectively calculate with
The weights product of the different quotation conditions under the different attribute value of user profile matching and, the weights product and equal to it is described
User profile matching different attribute value under the weights of different quotation conditions are with the product of the value of corresponding quotation condition and add up.
It is pointed out that can be in advance the different weights of different quotation condition distribution and the value of the corresponding quotation condition of distribution,
One weights of value and correspondence of each quotation condition one quotation condition of correspondence.For example, it is assumed that user profile includes insuring year
Age and number of insuring, and age at issue is set to 20, the number of insuring is set to 4, and property value includes age at issue interval and people's number interval,
And default age at issue interval includes：0～60, presetting people's number interval includes 0～10 and 0～20 the two quotation conditions, then need
The interval weights in " 0～60 " and people's number interval in " 0～10 " of the age at issue that adds up are accumulated, obtain the first weights product and, and
The interval weights in " 0～60 " and people's number interval in " 0～20 " of cumulative age at issue are accumulated, obtain the second weights product and.
B3, output highest weights product and corresponding different quotation conditions.When it is determined that multiple weights product and when, only output is most
High weights are accumulated and corresponding multiple quotation conditions.For example, it is assumed that in B2, the first weights product and more than the second weights product and, then
Export the first weights product and corresponding different quotation conditions：In " 0～60 ", people's number interval is in " 0～10 " in age at issue interval.
Alternatively, after step S14, including：
Judge whether the quotation condition for exporting matches with the advance customer quote condition for obtaining, if matching, output quotation
Condition passes through, and otherwise, output quotation condition does not pass through.
Further, in order that user knows the reason for quotation condition does not pass through, then the quotation condition not passed through is exported.
In first embodiment of the invention, obtain area description information and user profile, the user profile include to
One item missing information, according to the description information in the area corresponding area code is determined, inquiry and institute under the area code
The property value that user profile is matched is stated, each quotation condition of property value correspondence at least one, what output was inquired about believes with the user
The corresponding quotation condition of property value of breath matching.Due to the property value pair matched with the user profile according to area code output
The quotation condition answered, therefore so that the quotation condition of output more tallies with the actual situation, so as to improve the standard of the quotation condition of output
Exactness.
It should be understood that in embodiments of the present invention, the size of the sequence number of above-mentioned each process is not meant to the elder generation of execution sequence
Afterwards, the execution sequence of each process should determine with its function and internal logic, and should not be to the implementation process structure of the embodiment of the present invention
Into any restriction.
Embodiment two：
Fig. 2 shows a kind of structure chart of the coalignment of quotation condition that second embodiment of the invention is provided, the quotation
The coalignment of condition can be applicable in various mobile terminals, and the mobile terminal can include Jing wireless access networks RAN and one
Or the user equipment that multiple core nets are communicated, the user equipment can be mobile phone (or being referred to as " honeycomb " phone), tool
Have computer of mobile device etc., for example, user equipment can also be portable, pocket, hand-held, built-in computer or
The vehicle-mounted mobile device of person, they exchange voice and/or data with wireless access network.Again for example, the mobile device can include
Smart mobile phone, panel computer, Jia Jiaoji, personal digital assistant PDA, point-of-sale terminal POS or vehicle-mounted computer etc..For the ease of saying
It is bright, illustrate only the part related to the embodiment of the present invention.
The coalignment 2 of the quotation condition includes：Description information acquiring unit 21, area code determining unit 22, matching
Property value query unit 23, quotation output with conditions unit 24.Wherein：
Description information acquiring unit 21, for obtaining the description information and user profile in area, the user profile bag
Include at least one information.
Wherein, regional description information includes：The abbreviation in area, such as adopts " Guangdong " as the description information in " Guangdong "；Ground
The full name in area；The azimuth information in area etc..
Wherein, user profile includes following at least one information：The identification information of insurer is (such as name, identification card number, shield
According to etc.), number of insuring, age at issue, insured amount etc..
Area code determining unit 22, for determining corresponding area code according to the description information in the area.
Specifically, it is in advance the corresponding area code of different regions setting, and it is right with area code to store different regions
Should be related to.
Alternatively, the area code determining unit 22 includes：
Description information comparison module, for the description information in the area to be compared with default area code.
First area code determining module is identical with the description information in the area for existing in default area code
Area code when, by the area code be defined as it is described area the corresponding area code of description information.
Second area code determining module, for there is no the description information with the area in default area code
During identical area code, by the closest regional corresponding area code in area corresponding with the description information in the area
It is defined as the corresponding area code of description information in the area.Specifically, if the description information for judging area is not certain
The corresponding area code in area, then recognize the corresponding area of description information in the area, and by with the area of identification distance most
Near area (allocating corresponding area code in advance in this area) corresponding area code is defined as the description information correspondence for obtaining
Area code.
The property value query unit 23 of matching, for inquiring about the category matched with the user profile under the area code
Property value, each property value correspondence at least one offers condition.
Alternatively, the coalignment 2 of the quotation condition includes：
Property value presets unit, for preset attribute value, default property value include it is following at least one：Area code,
People's number interval, age at issue interval, occupational group, sex, retired number accounting, insured amount interval, deductible excess is interval, compensate into
Originally, premium regulation coefficient.
Quotation output with conditions unit 24, for the quotation corresponding with the property value of user profile matching of output inquiry
Condition.
It is pointed out that the quotation condition for exporting here is equally matched with user profile.
Alternatively, it is more accurate in order to export when the quotation condition with the same item information matches of user profile includes multiple
True quotation condition, then the quotation output with conditions unit 24 include：
The number judge module of quotation condition, for judging the quotation bar with the same item information matches of the user profile
Whether the number of part is more than 1.Specifically, quotation corresponding with the property value of the same item information matches of the user profile is judged
Whether the number of condition is more than 1, and whether the same item information for if so, then judging the user profile meets different quotation conditions
Requirement.
Weights are accumulated and computing module, in the number with the quotation condition of the same item information matches of the user profile
During more than 1, calculate respectively from the user profile matching different attribute value under different quotation conditions weights product and, it is described
Weights are accumulated and equal to the weights and corresponding quotation from the different quotation conditions under the different attribute value that the user profile is matched
The product of the value of condition simultaneously adds up.It is pointed out that can be in advance the different weights of different quotation condition distribution and distribution
The value of corresponding quotation condition, one weights of value and correspondence of each quotation condition one quotation condition of correspondence.
Quotation condition selects output module, for exporting highest weights product and corresponding different quotation conditions.
Alternatively, the coalignment 2 of the quotation condition includes：
Whether quotation condition is by judging unit, the customer quote bar for obtaining for the quotation condition for judging output and in advance
Whether part matches, if matching, output quotation condition passes through, and otherwise, output quotation condition does not pass through.
Further, in order that user knows the reason for quotation condition does not pass through, then the quotation condition not passed through is exported
In second embodiment of the invention, due to exporting corresponding with the property value of user profile matching according to area code
Quotation condition, therefore so that the quotation condition of output more tallies with the actual situation, so as to improve output quotation condition it is accurate
Degree.
Those of ordinary skill in the art are it is to be appreciated that the list of each example with reference to the embodiments described herein description
Unit and algorithm steps, being capable of being implemented in combination in electronic hardware or computer software and electronic hardware.These functions are actually
Performed with hardware or software mode, depending on the application-specific and design constraint of technical scheme.Professional and technical personnel
Each specific application can be used different methods to realize described function, but this realization it is not considered that exceeding
The scope of the present invention.
Those skilled in the art can be understood that, for convenience and simplicity of description, the system of foregoing description,
The specific work process of device and unit, may be referred to the corresponding process in preceding method embodiment, will not be described here.
In several embodiments provided herein, it should be understood that disclosed system, apparatus and method, can be with
Realize by another way.For example, device embodiment described above is only schematic, for example, the unit
Divide, only a kind of division of logic function can have other dividing mode, such as multiple units or component when actually realizing
Can with reference to or be desirably integrated into another system, or some features can be ignored, or not perform.It is another, it is shown or
The coupling each other for discussing or direct-coupling or communication connection can be the indirect couplings by some interfaces, device or unit
Close or communicate to connect, can be electrical, mechanical or other forms.
The unit as separating component explanation can be or may not be it is physically separate, it is aobvious as unit
The part for showing can be or may not be physical location, you can with positioned at a place, or can also be distributed to multiple
On NE.Some or all of unit therein can according to the actual needs be selected to realize the mesh of this embodiment scheme
's.
In addition, each functional unit in each embodiment of the invention can be integrated in a processing unit, it is also possible to
It is that unit is individually physically present, it is also possible to which two or more units are integrated in a unit.
If the function is realized and as independent production marketing or when using using in the form of SFU software functional unit, can be with
In being stored in a computer read/write memory medium.Based on such understanding, technical scheme is substantially in other words
The part contributed to prior art or the part of the technical scheme can be embodied in the form of software product, the meter
Calculation machine software product is stored in a storage medium, including some instructions are used so that a computer equipment (can be individual
People's computer, server, or network equipment etc.) perform all or part of step of each embodiment methods described of the invention.
And aforesaid storage medium includes：USB flash disk, portable hard drive, read only memory (ROM, Read-Only Memory), random access memory are deposited
Reservoir (RAM, Random Access Memory), magnetic disc or CD etc. are various can be with the medium of store program codes.
The above, the only specific embodiment of the present invention, but protection scope of the present invention is not limited thereto, any
Those familiar with the art the invention discloses technical scope in, change or replacement can be readily occurred in, all should contain
Cover within protection scope of the present invention.Therefore, protection scope of the present invention described should be defined by scope of the claims.
Claims (10)
1. a kind of matching process of quotation condition, it is characterised in that methods described includes：
The description information and user profile in area are obtained, the user profile includes at least one information；
Corresponding area code is determined according to the description information in the area；
The property value matched with the user profile is inquired about under the area code, each property value correspondence at least one is offered
Condition；
The quotation condition corresponding with the property value of user profile matching of output inquiry.
2. method according to claim 1, it is characterised in that described to inquire about under the area code and user letter
Before the property value of breath matching, including：
Preset attribute value, default property value include it is following at least one：Area code, people's number interval, age at issue are interval, duty
Industry classification, sex, retired number accounting, insured amount interval, deductible excess are interval, compensation cost, premium regulation coefficient.
3. method according to claim 1, it is characterised in that the description information according to the area determines corresponding
Area code, specifically includes：
The description information in the area is compared with default area code；
It is when default area code has the description information identical area code with the area, the area code is true
It is set to the corresponding area code of description information in the area；
When there is no the description information identical area code with the area in default area code, will be with the area
The closest regional corresponding area code in the corresponding area of description information be defined as the description information correspondence in the area
Area code.
4. method according to claim 1, it is characterised in that the category matched with the user profile of the output inquiry
Property the corresponding quotation condition of value, specifically include：
Judge whether be more than 1 with the number of the quotation condition of the same item information matches of the user profile；
When the number with the quotation condition of the same item information matches of the user profile is more than 1, calculate respectively and the use
The weights product of the different quotation conditions under the different attribute value of family information matches and, weights product and equal to user letter
Breath matching different attribute value under the weights of different quotation conditions are with the product of the value of corresponding quotation condition and add up；
Output highest weights product and corresponding different quotation conditions.
5. the method according to any one of claim 1-4, it is characterised in that the output inquiry and user letter
After the corresponding quotation condition of property value of breath matching, including：
Judge whether the quotation condition for exporting matches with the advance customer quote condition for obtaining, if matching, exports quotation condition
Pass through, otherwise, output quotation condition does not pass through.
6. a kind of coalignment of quotation condition, it is characterised in that described device includes：
Description information acquiring unit, for obtaining the description information and user profile in area, the user profile is included at least
One information；
Area code determining unit, for determining corresponding area code according to the description information in the area；
The property value query unit of matching, for inquiring about the property value matched with the user profile under the area code,
Each quotation condition of property value correspondence at least one；
Quotation output with conditions unit, for the quotation condition corresponding with the property value of user profile matching of output inquiry.
7. device according to claim 6, it is characterised in that described device includes：
Property value presets unit, for preset attribute value, default property value include it is following at least one：Area code, number
Interval, age at issue interval, occupational group, sex, retirement number accounting, interval insured amount interval, deductible excess, compensation cost, guarantor
Take regulation coefficient.
8. device according to claim 6, it is characterised in that the area code determining unit includes：
Description information comparison module, for the description information in the area to be compared with default area code；
First area code determining module, for there is the description information identical ground with the area in default area code
During area code, the area code is defined as into the corresponding area code of description information in the area；
Second area code determining module is identical with the description information in the area for not existing in default area code
Area code when, by the regional corresponding area code determination closest with the corresponding area of description information in the area
For the corresponding area code of description information in the area.
9. device according to claim 6, it is characterised in that the quotation output with conditions unit includes：
The number judge module of quotation condition, for judging and the quotation condition of the same item information matches of the user profile
Whether number is more than 1；
Weights are accumulated and computing module, for being more than with the number of the quotation condition of the same item information matches of the user profile
When 1, calculate respectively from the user profile matching different attribute value under different quotation conditions weights product and, the weights
Product and equal to from the weights of the different quotation conditions under the different attribute value that the user profile is matched and corresponding quotation condition
Value product and add up；
Quotation condition selects output module, for exporting highest weights product and corresponding different quotation conditions.
10. the device according to any one of claim 6-9, it is characterised in that described device includes：
Whether by judging unit, the quotation condition and the advance customer quote condition for obtaining for judgement output is quotation condition
No matching, if matching, output quotation condition passes through, and otherwise, output quotation condition does not pass through.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201611002156.9A CN106570760A (en) | 2016-11-14 | 2016-11-14 | Quotation condition matching method and device |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201611002156.9A CN106570760A (en) | 2016-11-14 | 2016-11-14 | Quotation condition matching method and device |
Publications (1)
| Publication Number | Publication Date |
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| CN106570760A true CN106570760A (en) | 2017-04-19 |
Family
ID=58542858
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201611002156.9A Pending CN106570760A (en) | 2016-11-14 | 2016-11-14 | Quotation condition matching method and device |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN110163759A (en) * | 2018-02-12 | 2019-08-23 | 北京直通万连科技有限公司 | A kind of vehicle insurance scheme generation method |
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| US20150332005A1 (en) * | 2013-04-06 | 2015-11-19 | Allison D. Meier | Method of increasing the success rate of assisted reproductive technology |
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| CN1405713A (en) * | 2001-09-18 | 2003-03-26 | 日本电气株式会社 | Method for bargaining insurance agreement, its system, portable terminal and computer programme thereof |
| CN102713960A (en) * | 2009-08-17 | 2012-10-03 | 大都会人寿保险公司 | Online system and method of insurance underwriting |
| US20150332005A1 (en) * | 2013-04-06 | 2015-11-19 | Allison D. Meier | Method of increasing the success rate of assisted reproductive technology |
| CN103258029A (en) * | 2013-05-08 | 2013-08-21 | 徐峰蕾 | Method and system for retrieving information |
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Application publication date: 20170419 |