CN108665369A - A kind of insurance appraisal procedure and system based on user - Google Patents

Abstract

The present invention relates to a kind of methods of computer-implemented assessment demand for insurance, including：The first level demand for insurance confirmed through user is received by communication network using one or more communication interfaces；It is indicated to one or more insurance problems of user's displaying based on first level insurance risk by communication network using one or more communication interfaces；And inputted in response to using one or more communication interfaces to receive one or more users for insurance problem by communication network, update first level demand for insurance using one or more processors.

Description

A kind of insurance appraisal procedure and system based on user

Technical field

The present invention relates to a kind of financial technology field, particularly a kind of insurance appraisal procedure based on user and it is System.

Background technology

With the maturation of Internet technology, internet insures to have obtained rapid development.For internet insurance system, go Intermediation enables its insurance products to go to open up a market with lower price.Therefore, existing internet insurance system is all It is designed using product as core.But such internet insurance system does not obtain the approval of user but.2017, needle About 63% is just risen to the complaint of internet insurance.Traditional internet insurance system is without development space.Therefore, There is an urgent need in the art to a kind of internet insurance systems from client, fundamentally solve existing problems.

Invention content

For the technical problems in the prior art, the present invention proposes a kind of computer-implemented assessment demand for insurance Method, including：Receiving the first level confirmed through user insurance by communication network using one or more communication interfaces needs It asks；It is indicated to one of user's displaying based on first level insurance risk by communication network using one or more communication interfaces Or multiple insurance problems；And in response to using one or more communication interfaces to receive one or more needles by communication network To insuring user's input of problem, first level demand for insurance is updated using one or more processors.

Method as described above, wherein update first level demand for insurance includes increasing or removing one or more first order Other demand for insurance；Or first level demand for insurance is converted into one or more second level demands, wherein second level needs The rank asked is less than first level demand.

Method as described above further comprises receiving user by communication network in response to one or more communication interfaces The primary condition of input estimates the first level demand for insurance of user using one or more processors.

Method as described above further comprises being directed to according to one or more is received using one or more processors User's input of insurance problem is one or more variable assignments.

Method as described above further comprises the assignment in response to one or more variables, logical using one or more Letter interface increases or decreases one or more insurance problems or the one or more insurance problems of adjustment by communication network instruction Sequence.

Method as described above further comprises the assignment in response to one or more variables, at one or more The potential insurance risk of the corresponding one or more of one demand for insurance is removed or is converted to practical insurance risk by reason device.

Method as described above further comprises in response to the potential insurance wind of the corresponding one or more of the demand for insurance Danger is all removed, and the demand for insurance is removed using one or more processors.

Method as described above further comprises being converted to practical insurance wind in response to one or more potential insurance risks Danger, increases the corresponding other demand for insurance of the practical insurance risk using one or more processors.

Method as described above further comprises being converted to practical insurance wind in response to one or more potential insurance risks Danger replaces first level demand for insurance using one or more processors with second level demand for insurance；Wherein second level needs The rank asked is less than first level demand.

Method as described above further comprises in response to using one or more communication interfaces to be received by communication network The instruction that the input of insurance problem is terminated to user, the insurance of current each rank is provided using one or more processors to be needed It asks or demand for insurance and corresponding insurance risk.

According to another aspect of the present invention, a kind of method of computer-implemented assessment demand for insurance is proposed, including：Make The demand for insurance of first level is sent by communication network with one or more communication interfaces；Use one or more communication interfaces The instruction of one or more insurance problems based on first level demand for insurance is received by communication network；Using display to The one or more insurance problems of family display；One or more is sent using one or more communication interfaces by communication network to be directed to The user of insurance problem inputs；And the insurance of newer user is received by communication network using one or more communication interfaces Demand.

Method as described above, update first level demand for insurance include increasing or removing one or more first levels to protect Dangerous demand；Or first level demand for insurance is converted into one or more second level demands, wherein second level demand Rank is less than first level demand.

Method as described above further comprises defeated by communication network transmission user using one or more communication interfaces The primary condition entered.

Method as described above further comprises inputting in response to sending one or more users for insurance problem, One or more insurance problems or adjustment one are increased or decreased by communication network reception using one or more communication interfaces The instruction of the sequence of a or multiple insurance problems.

Method as described above uses one wherein being inputted in response to sending one or more users for insurance problem A or multiple communication interfaces receive the instruction for removing demand for insurance by communication network, wherein the demand for insurance is one corresponding Or multiple potential insurance risks are all removed.

Method as described above uses one wherein being inputted in response to sending one or more users for insurance problem A or multiple communication interfaces receive the finger that first level demand for insurance is converted to second level demand for insurance by communication network Show, wherein the rank of second level demand is less than first level demand.

Method as described above further comprises receiving by communication network using one or more communication interfaces increased The instruction of the relevant one or more problems of the corresponding insurance risk of other demand for insurance, wherein other demand for insurance with turn The potential insurance risk of one or more for being changed to practical insurance risk corresponds to.

Method as described above, further comprise using one or more communication interfaces by communication network receive in addition The relevant insurance problem of demand for insurance.

Method as described above, wherein other demand for insurance is not included in first level demand for insurance.

Method as described above further comprises the input for terminating insurance problem in response to receiving user, uses one Or multiple communication interfaces send the instruction of update demand for insurance by communication network.

According to another aspect of the present invention, a kind of demand for insurance assessment system is proposed, including：One or more communication connects Mouthful；One or more memory cells；One or more processors, execution are stored in one or more of memory cells In computer-readable instruction, to：Receive the first level demand for insurance confirmed through user；It indicates to user's displaying based on the One or more insurance problems of one rank insurance risk；And it is defeated in response to one or more users for insurance problem Enter, updates first level demand for insurance.

System as described above, wherein update first level demand for insurance includes increasing or removing one or more first order Other demand for insurance；Or first level demand for insurance is converted into one or more second level demands, wherein second level needs The rank asked is less than first level demand.

System as described above further comprises the first level that user is estimated in response to primary condition input by user Demand for insurance.

System as described above further comprises that basis receives one or more users' inputs for insurance problem and is One or more variable assignments.

System as described above further comprises that the assignment in response to one or more variables, instruction increase or decrease one The sequence of a or multiple insurance problems or the one or more insurance problems of adjustment.

System as described above further comprises the assignment in response to one or more variables, by a demand for insurance pair The potential insurance risk of one or more answered removes or is converted to practical insurance risk.

System as described above further comprises in response to the potential insurance wind of the corresponding one or more of the demand for insurance Danger is all removed, and the demand for insurance is removed using one or more processors.

System as described above further comprises being converted to practical insurance wind in response to one or more potential insurance risks Danger increases the corresponding other demand for insurance of the practical insurance risk.

System as described above further comprises being converted to practical insurance wind in response to one or more potential insurance risks Danger replaces first level demand for insurance with second level demand for insurance；Wherein the rank of second level demand is less than first level Demand.

System as described above further comprises the instruction that the input of insurance problem is terminated in response to user, provides current Each rank demand for insurance or demand for insurance and corresponding insurance risk.

Description of the drawings

In the following, the preferred embodiment of the present invention will be described in more detail in conjunction with attached drawing, wherein：

Fig. 1 is the configuration diagram of existing internet insurance system；

Fig. 2 is the consumer products relational graph of existing internet insurance system；

Fig. 3 is the schematic diagram of internet insurance system structure according to one embodiment of present invention；

Fig. 4 is the schematic diagram of internet insurance system server according to one embodiment of present invention；

Fig. 5 is the schematic diagram of internet insurance system client device according to one embodiment of present invention；

Fig. 6 is the schematic diagram of internet insurance system according to an embodiment of the invention；

Fig. 7 is the structural schematic diagram of the Insurance Model according to an embodiment of the invention based on user；

Fig. 8 is the Insurance Model configuration diagram according to an embodiment of the invention based on user；

Fig. 9 is the schematic diagram of user interface system according to an embodiment of the invention；

Figure 10 is the schematic diagram of user interaction approach according to an embodiment of the invention；

Figure 11 A-11G are the interface schematic diagrams that user according to an embodiment of the invention uses example；

Figure 12 is the schematic diagram of demand for insurance appraisal procedure according to an embodiment of the invention；

Figure 13 is the schematic diagram of insurance risk assessment method according to an embodiment of the invention；

Figure 14 is the schematic diagram of insurance cover appraisal procedure according to an embodiment of the invention；

Figure 15 is the schematic diagram that insurance products according to an embodiment of the invention recommend method；

Figure 16 is variable schematic diagram according to an embodiment of the invention.

Specific implementation mode

In order to make the object, technical scheme and advantages of the embodiment of the invention clearer, below in conjunction with the embodiment of the present invention In attached drawing, technical scheme in the embodiment of the invention is clearly and completely described, it is clear that described embodiment is A part of the embodiment of the present invention, instead of all the embodiments.Based on the embodiments of the present invention, those of ordinary skill in the art The every other embodiment obtained without making creative work, shall fall within the protection scope of the present invention.

In the following detailed description, the specific embodiment for being used for illustrating the application as the application part may refer to Each Figure of description.In the accompanying drawings, similar reference numeral describes substantially similar component in different drawings.This Shen Each specific embodiment please has carried out description detailed enough following so that has the general of ability domain-dependent knowledge and technology Logical technical staff can implement the technical solution of the application.It should be appreciated that other embodiments can also be utilized or to the application Embodiment carry out structure, logic or electrical change.

Fig. 1 is the configuration diagram of existing internet insurance system.As shown, existing internet insurance system 100, from insurance products, are directed to existing insurance products 1- insurance products 4, each product are determined according to the characteristics of product Corresponding adaptation population.As shown in table 1 below：

Table 1

Insurance products	Corresponding adaptation population
		Product 1	Adaptation population 1
Product 2	Adaptation population 2
		Product 3	Adaptation population 3
Product 4	Adaptation population 4

Further, according to adaptation population the characteristics of, determines the condition that the needs of ownership and each adaptation population meet.Such as Shown in figure, the correspondence between adaptation population and each condition can be one-to-many, many-one or multi-to-multi.Citing and Speech, as shown in table 2 below

Table 2

Insurance products	Corresponding adaptation population	Respective conditions
			Product 1	Adaptation population 1	Condition 1,2,3
Product 2	Adaptation population 2	Condition 2,4,5
			Product 3	Adaptation population 3	Condition 1,3,6
Product 4	Adaptation population 4	Condition 4,5,6

Fig. 2 is the consumer products relational graph of existing internet insurance system.Comparison diagram 1 is it is seen that the user of Fig. 2 produces Product relationship is substantially the reverse procedure of Fig. 1 system architectures.As shown, when user uses existing internet insurance system, it is System can ask the classification of user's selection insurance products that selection hope is bought in coverage.These classifications include but not limited to： The insurance of weight disease, endowment insurance, children's education insurance etc..In the example in figure 2, user is interested in the coverage of classification 2. After user has selected specific classification, existing internet insurance system can be obtained by a series of question and answer or multiple-choice question The information of user, after judging which condition user situation meets, according to the ownership crowd of these condition judgments user, and to user Recommend corresponding insurance products.In the example in figure 2, condition 1,2,4,5 and 6 is met the case where user, ownership crowd is crowd 1 With 3.So, existing internet insurance system will recommend insurance products 1 and 3 to user.

The case where user is susceptible to " obtain undesirable, be willing to non-gained " using existing internet insurance system.This is existing The high major reason of some internet insurance system the rate of complaints.All screenings are determined as the framework of core using product Condition is carried out around product.For example, the annual family income of some user>1000000, it is existing according to screening conditions Internet insurance system can recommend the heavy disease insurance of highest protection amount to user.But this client is planned to migrate overseas, and Overseas local existing social security has been able to cover the most of expense for weight disease occur.The real demand of this user is to mend Fill weight disease insurance, the insurance products without buying highest protection amount.But it can't reflect this by the system of core of product The case where demand of sample, appearance " being willing to non-gained ", just can hardly be avoided.For another example, some user wishes the children's education gold guarantor that insures Danger.If according to existing internet insurance system, user can be recommended a children's education insurance product of purchase.But User itself as family's pillar but not yet buys any insurance.Once the health of user itself goes wrong, children Education gold be still unable to get guarantee.In this case, for the considerations of ensureing children's education, the greateset risk of user exists In the risk of itself rather than children's education gold itself.If user only has purchased children's education insurance product and does not buy itself Heavy disease insurance products, then the risk of user is not resolved really.Therefore, there is the case where " being willing to non-gained " possibility It is just very high.Although existing internet insurance system realizes disintermediation, but lose and managed by the insurance of core of user It reads, is complained namely natural situation.

The problem of for existing internet insurance system, the present invention propose a kind of with the internet insurance system based on client System, is essentially different with traditional by the internet insurance system of core of product.The present invention's described in detail below Internet insurance system.

Fig. 3 illustrates internet system 300 comprising one or more client devices on a communication network 302, application server 304, web page server 306, servo load balance device 308, cloud load balancer 310.Application service Device 304, web page server 306, servo load balance device 308, cloud load balancer 310 are communicably coupled to one or more Database 312.

Communication network can be the arbitrary multistage network for covering administrative area, country, continent or combinations thereof.Communication network shows Example can include：Cellular network, such as 3G network, 4G networks, long term evolution (LTE) network；Acoustic communication network；Satellite network Network；Wide area network, such as internet；Or combination thereof.Application server 304, web page server 306, server load balancing Device 308, cloud load balancer 310 can be communicatively coupled to communication network by connection 314.Connection 314 can be wired Connection, wireless connection or combination thereof.

Internet insurance system or in which a part can include by calculating cloud (such as, A Liyun, Tencent's cloud, Baidu Cloud, WindowsCloud, Amazon elastic calculation cloud (Amazon EC2)、Google AppOr Combination thereof) webpage and/or mobile application as Host Administration (host).For example, parking management system 300 can include It is transported on the virtual machine of one or more application server 304, web page server 306 or combination thereof as Host Administration Capable webpage and/or mobile application.In a kind of modification, it can includes one or more application server 304, webpage to calculate cloud Server 306, database 312, servo load balance device 308, cloud load balancer 310, part therein or their group It closes.

Cloud load balancer 310 can provide traffic load balancing and distribution client between multiple web page servers 306 Request.Web page server 306 can calculate cloud to handle HTTP request including HTTP server or dependence.Web page server 306 can also be instantiated and managed by calculating cloud.

Servo load balance device 308 can balance between web page server 306 and one or more application server 304 Interaction.Application server 304 can be handled using logic and with 312 interaction of database to store data and application state. Web page server 306, application server 304 or combination thereof can include rack-mount server, cluster server, blade clothes Business device, host, special desktop computer or laptop or combination thereof.

Database 312 can be one or more SQL databases.Application server 304 can be with management SQL database One or more sql server interactions.It can be stored in the SQL database of cloud management using data and application state. In other modifications, database 312 can be Oriented Documents type database, including such asDatabase NoSQL databases.

Client device 302 can include portable computing device, such as smart mobile phone, tablet computer, laptop, Smartwatch, personal entertainment device or combination thereof.In other modifications, client device 302 can also include desk-top Computer.

The server 400 that Fig. 4 illustrates internet insurance system 300 can have one or more processors 402, deposit Reservoir 404 and communication interface 406.Processor 402 can be coupled to memory 404 and communication interface by high-speed bus 408 406.Server 400 can indicate any one in web page server 112, application server 110 or combination thereof in Fig. 3 Kind.

Processor 402 can include one or more central processing unit (CPU), graphics processing unit (GPU), special collection At circuit (ASIC), field programmable gate array (FPGA) or combination thereof.Processor 402, which is able to carry out, is stored in memory Software or computer-readable instruction in 404 is to execute method described herein or operation.Processor 402 can be with several differences Mode implement.For example, processor 402 can include one or more embeded processors, processor core, miniature processing Device, logic circuit, hardware finite state machines (FSM), digital signal processor (DSP) or combination thereof.For example, processor 402 can be 64 bit processors.

Memory 404 can store software, data, daily record or combination thereof.Memory 204 can be storage inside Device.Alternatively, memory 404 can be external memory, such as reside in memory node, Cloud Server or storage server Memory.Memory 404 can be volatile memory or nonvolatile memory.For example, memory 404 can be such as The nonvolatile memory of nonvolatile RAM (NVRAM), flash memory, magnetic disk storage, or it is such as static The volatile memory of random access memory (SRAM).Memory 404 can be the main memory unit for server 400.

Communication interface 406 can include one or more wired or wireless communication interfaces.For example, communication interface 406 can It is the network interface card of server 400.Communication interface 406 can be radio modem or wire line MODEM.One In kind modification, communication interface 406 can be WiFi modems.In other modifications, communication interface 406 can be 3G tune Modulator-demodulator, 4G modems, LTE modems, bluetooth module, radio frequency receiver, antenna or combination thereof.Service Device 400 can be connected to communication network using communication interface 406 or with communication couple.Server 400 can Packet or message are transmitted or received using communication interface 406.

The client device 500 that Fig. 5 illustrates internet insurance system 300 can have client end processor 512, visitor Family end memory 514, client communication unit 516 and display 518.Client end processor 512 can pass through high-speed bus 520 are coupled to client memory 514 and client communication unit 216.

Client end processor 512 can include one or more CPU, GPU, ASIC, FPGA or combination thereof.Client Processor 512 is able to carry out the software being stored in client memory 514 to execute method described herein.Client process Device 512 can be implemented in several different ways.For example, client end processor 512 can be embeded processor, processor Core, microprocessor, logic circuit, hardware FSM, DSP or combination thereof.As a specific example, at client It can be 32 bit processors to manage device 512, such asProcessor.

Client memory 514 can store software, data, daily record or combination thereof.In a kind of modification, client Memory 514 can be internal storage.In another modification, client memory 514 can be external memory unit.Visitor Family end memory 514 can be volatile memory or nonvolatile memory.For example, client memory 514 can be all Such as the volatile memory of NVRAM, the nonvolatile memory of flash memory, magnetic disk storage, or such as SRAM.Client is deposited Reservoir 514 can be the main memory unit for client device 500.

Client communication unit 516 can be wired or wireless communication interface.For example, client communication unit 516 can It is the network interface card of client device.Client communication unit 516 can be radio modem or cable modem Device.In a kind of modification, client communication unit 516 can be WiFi modems.In other modifications, client is logical Believe that unit 516 can be 3G modems, 4G modems, LTE modems, bluetooth module, radio frequency receiver, day Line or combination thereof.Client device can be connected to communication network or and communication network using client communication unit 516 Network is communicatively coupled.Client device 500 can use client communication unit 516 to transmit or receive packet or message.

Display 518 can be such as touch-screen display of liquid crystal display (LCD), thin film transistor (TFT) (TFT) display Device, Organic Light Emitting Diode (OLED) display or active matrix organic light-emitting diode (AMOLED) display.Certain In modification, display 518 can be retinal display, tactile touch screen or combination thereof.For example, working as client device 500 when being smart mobile phone, and display 518 can be the touch-screen display of smart mobile phone.

The graphic user interface (GUI) that client device 500 is shown by display 518 is interacted with user.GUI can be to User shows that user can be inputted the button that be applied on GUI, text box or link by content, user according to the content of displaying. In response to user's input is applied to button, text box or link, software that client device 500 is executed according to processor or Person shows new content by communicating rear line with server 400.

Client device 500 can also include input unit, such as keyboard, touch screen etc..Such as those skilled in the art institute Understand, client device 500 can also include the device of other functions, to meet the needs of client.

Fig. 6 is the schematic diagram of internet insurance system according to an embodiment of the invention.As shown, internet insures System 600 includes client 601 and server end 602.In some embodiments, client 601 may operate in client and set On standby 500；Server end 602 may operate on server 400.

In some embodiments, client 601 includes but not limited to run on IOS systems, android system, Window The APP of system or other systems, webpage (Web) end, wechat client or wechat small routine, other embedded third-party application journeys The independence of sequence or the program of dependent etc..Client 601 provides a user graphical interaction interface (GUI), and information is obtained from user, And show content and result to user.

In some embodiments, as shown, server end 602 includes application interface 604, calculates core 606, user library 608 and product library 610.Application interface 604 with client 601 for communicating.For example, application interface 604 is obtained from client 601 User information.User information is forwarded to user library 608.User library 608 establishes corresponding document for each user, with Storage user information simultaneously provides user information to calculating core 606.

In some embodiments, user library 608 includes multiple word banks.The example of these word banks includes user database 612, It is used for preserving basic document, such as the gender of user, age, family structure, income of user etc. and determines one of information Or more persons.The example of another word bank is user preference library 614, is used for preserving the preference of user, for example, user risk just It is good：The product preference of radical type or conservative, user：Serious illness insurance or company's preference of accident insurance, user：Xinhua's insurance is also Be the Pacific Ocean insurance, etc. one or more of.Preference based on user be conducive to understand the personality of user, financial knowledge, The fuzzy messages such as sense of risk.These word banks can also include user demand library 616, be used for storing the demand of user.User Demand include user oneself expression demand and user's user demand evaluated before this.Since the demand of user is One of mostly important factor, therefore user demand library 616 becomes history to a certain extent for the system of the present invention Database.Example there are one word bank is user's declaration form library 618, storage and related user's declaration form.These declaration forms both wrapped The declaration form for including user's purchase, also includes the declaration form with user or its kinsfolk for beneficiary.The existing declaration form of user is conducive to The insurance cover that assessment user is still short of.It will be appreciated by those skilled in the art that other word banks pair other than user database 612 All it is optional for the internet insurance system of the present invention.User library 608 may include one or more as above or it His word bank more precisely understands user demand to be conducive to calculate core 606, assesses consumer's risk, determines user's Ensure and recommend the product for being suitble to user.

In some embodiments, user library 608 also obtains channel 607 by other information and obtains user information.These canals Road may be other subsystems of internet insurance system, can also be the third company of cooperation, such as bank, insurance public affairs Department, third party's social platform, third party's enterprise platform, third party's credit platform etc..These channels can obtainable user information It is more various.Only it is exemplified below：User's order/declaration form, user's operation, user access record, customer consumption record, customer investment Financing record etc..

In some embodiments, product library 610 includes product information library 622.Product information library 622 includes insurance products Information and the attribute that internet insurance system is insurance products addition.Insurance product information includes insurance products title, insurance The letters such as Business Name, insurance product type, insurance products are insured amount, insurance products payment, the declinaturing of insurance products, claims rejected condition Breath, insurance products detailed guarantees responsibility (such as the guarantee diseases range of serious illness insurance, kinds of Diseases and correspondence guarantee amount, with One or more of and the morbidity statistics data etc. that use of actuarial).The attribute of internet insurance system addition may include Ensure attribute, such as heavy disease guarantee, medical security, one or more of guarantee etc. of dieing.The attribute of addition can also include Product type is ensured, for the sub- attribute for ensureing under attribute.For example, weight disease ensure under attribute may include regular weight disease type and Lifelong weight disease type.The attribute of addition can also include the priority of insurance products.The priority of insurance products can be according to more Kind of factor determines comprising but be not limited to, the grading of third party rating organization, the recommendation of insurance company, insurance products pin One or more of the amount of selling, feedback of user etc..According to another embodiment of the invention, product library 610 can be wrapped additionally Product scoring library 624 is included, the precedence information of insurance products is stored.

Internet insurance system 600 may include insurance products platform 626, storage one or more come from it is same or The insurance products of different insurance companies.Internet platform system 600 can not also include insurance products platform 626, but and its His insurance products convergence platform or Jia Huoduojia insurance companies cooperation, obtain insurance products.

In some embodiments, it calculates core 606 to communicate with user library 608 and product library 610, according to scheduled or be based on The rule and algorithm of artificial intelligence execute and understand user demand, assess consumer's risk, determine that user ensures and recommend insurance One or more of functions such as product.It calculates core 606 to communicate with application interface 604, client is indicated by application interface 604 End 602 is from customer acquisition information and/or shows result of calculation.

In some embodiments, it includes artificial regulation engine 632, data intelligence engine 634, Yi Jizhi to calculate core 606 It can measuring and calculating service 636.Artificial regulation engine 632 stores artificial scheduled rule, such as pair between demand and potential risk point It should be related to, one or more of correspondence of variable etc. in risk point and variable pond.Artificial regulation engine 632 is according to storage Artificial pre-defined rule, execute corresponding function, such as activate and either close corresponding risk point or variable.Data intelligence is drawn Hold up the functions such as retrieval, access, addition, the deletion of 634 realization data.Data intelligence engine 634 is using historical data and is directed to The analysis result of historical data, improve data retrieval, access, addition and deletion accuracy, speed up processing.Intelligence measuring Service 636 according to the information of user library 608 and/or product library 610, ensured for user demand, consumer's risk, user and Suitable insurance products execute one or more of functions such as calculating, association, screening, push.

Fig. 7 is the structural schematic diagram of the Insurance Model according to an embodiment of the invention based on user.Such as this field skill Art personnel are understood that the Insurance Model based on user, which may operate in, to be calculated in core 606.The core of Insurance Model is to need It asks, the incidence relation between risk, guarantee and product.Insurance Model based on user had both included the portion of artificial rule settings Point, also include the interactive operations such as retrieval, access, addition and deletion of data and founding, update and removing for incidence relation. The corresponding portion of Insurance Model based on user may operate in the artificial regulation engine 632 for calculating core 606, data intelligence is drawn It holds up in 634 and intelligence measuring service 636.

With reference to figure 7, the Insurance Model 700 based on user includes three essential parts：Demand 702, risk 704 and guarantee 706.Demand 702 represents the demand for insurance of user.The demand for insurance of user includes level-one demand comprising but be not limited to weight disease, Medical treatment reimbursement, housing loan or life expenditure, wealth succession, assets hedge, support parents deposit and children's education expense etc..Each level-one needs It can also includes one or more two level demands for being subordinated to the level-one demand, or more careful three-level demand to ask, with this Analogize.

Risk 704 represents the insurance risk of user.Insurance risk is corresponding with demand for insurance.One demand for insurance corresponds to one A or multiple insurance risks.There is the possibility of coincidence in the corresponding multiple insurance risks of different demand for insurance.For example, endowment deposit The insurance risk that family's pillar is die may be all corresponded to the demand of children's education expense.In some embodiments, by different guarantors The insurance risk of dangerous demand distinguishes.In other words, the different insurance risk of correspondence is excluded repetition by different demand for insurance It may.In the above example, the insurance wind that family corresponding with the demand of children's education expense pillar is die is laid in into endowment Danger zone is divided into that family's pillar dies the insurance risk that can not pay endowment expense and family's pillar dies and can not pay children's education The insurance risk of expense.Distinguish the simplification that the corresponding risk of different demands is conducive to system.

In many existing Insurance Models, the differentiation of demand and risk is not obvious.This often means that has Demand which type of risk be equivalent to, or which type of risk just to have which type of demand in face of.This is existing One of the mistake often made as the Insurance Model of core using product.For the Insurance Model based on user of the present invention, need It is obvious to ask the difference between risk.For a user, the corresponding risk point of a demand may be across type In addition role may all change.By taking children's education expense above as an example, corresponding risk point includes family's pillar Heavy disease and unexpected insurance risk, and family's pillar may not be user oneself.Meaning based on user be that with Family and subscriber household set out, and give full play to the guaranteeing role of insurance.User is only in this way adjacent to be likely to interconnect in disintermediation Remain to obtain the approval of user in the case of net insurance.

In some embodiments, insurance risk 704 includes potential risk and practical risk.Practical risk is potential risk Subset.The correspondence of demand for insurance and potential risk be set it is rear it is constant (certainly, change Insurance Model when can also people For modification).However, the correspondence of demand for insurance and practical risk may have according to the case where user and/or subscriber household Institute is different.For example, the demand of endowment deposit takes in the potential risk to fall sharply after corresponding to retirement.At that time, if enterprise where user Already through having purchased a considerable amount of annuities, number is enough to compensate the wage income after retirement, then take in fall sharply it is potential Risk does not just become practical risk.

Ensure that 706 be the insurance cover needed for user.Insurance cover is the guarantee amount of certain number.Ensure amount packet Include one or more combinations for ensureing type.In some embodiments, ensure that type is corresponding with the type of insurance products, including Such as heavy disease guarantee, medical security, life insurance guarantee, Elder Security, satisfactory to both parties guarantee etc..In some embodiments, insurance cover packet Include personal guarantee and family protection.Individual ensures and ensures type including as described above again under family protection.

Ensure that the type client's foundation guarantee plan that is conducive to corresponding with insurance products goes to select suitable insurance products.So And it will be appreciated by those skilled in the art that this is not unique representation of insurance cover.For example, can be by being directed to wind The processing mode of danger more intuitively indicates insurance cover.For example, major disease disposably pays in full amount gold, accident and disease body Therefore compensation gold, retirement or the old-age pension etc. that can get of agreement.

In some embodiments, all kinds of insurance covers have respective priority.In some embodiments, all kinds of insurances are protected The priority of barrier is fixed, such as the priority of heavy disease guarantee is higher than Elder Security.In further embodiments, all kinds of insurances The priority of guarantee is varied from according to the difference of user and/or subscriber household situation.For example, for the user of no social security, The priority of medical security is more than Elder Security.In further embodiments, the insurance protection amount that user has bought is also to influence An important factor for each insurance cover priority.Certainly, in some embodiments, the priority of all kinds of insurance covers considers One of the above or many factors determine.

With reference to figure 7, in the Insurance Model 700 based on user, according to primary condition input by user, it can estimate user's Demand 702.Demand 702 based on estimation, the correspondence between 702 and risk 704, can obtain risk 704 according to demand. Next, by the form of such as questionnaire and user interaction.In response to user input by user and the information of subscriber household, According to scheduled rule and algorithm, upgrade demand 702 and risk 704.After demand 702 and risk 704 determine, according to demand Type and corresponding risk show that the user of suggestion ensures 706.Compared to Figure 1 compared in the insurance mould based on user of the present invention In type, either user demand, consumer's risk or user, which ensure, will be insured using user and subscriber household as core Theory and ensure be combined with the actual conditions of user and propose the guarantee plan for being suitable for user and subscriber household.

According to one embodiment of present invention, the Insurance Model 700 based on user may include insurance products 708.It is based on User ensures 706, according to insurance products recommendation rules, can recommend insurance products to user and provide online or offline purchase Service.It should be noted that insurance products 708 are not required part for the Insurance Model 700 of the present invention.User completely may be used To use the Insurance Model 700 of the present invention to come evaluation requirement, risk and guarantee without paying close attention to any insurance products.Certainly, exist After having understood the insurance cover 706 of user, user can select voluntarily to buy corresponding insurance products.

With reference to the example of figure 7, the demand 702 of estimation is demand 1 and demand 2.Demand 1 and 2 corresponding risk 704 of demand are divided It Wei (risk 1 and risk 2) and (risk 3 and risk 4).After carrying out interaction with user, it is found that risk 1 and risk 2 are not Practical risk, then demand 1 is finally removed.The risk 3 and risk 4 of demand 2 are practical risk, then demand 2 obtains Retain, and suggested guarantee plan, that is, ensures 1.It is that risk 5 is relevant risk carrying out assessment for risk 4, is also added Enter within scope of assessment.Similarly, risk 5 corresponds to 3 (not shown) of demand and the corresponding another risk of demand 3, i.e. risk 6 It is also added to.The risk 5 and risk 6 of demand 3 are practical risk, and demand 3 is retained, and suggested guarantee plan, i.e., Ensure 2.Further, insurance products 1 and insurance products 2 are recommended respectively for guarantee 1 and guarantee 2.

The Insurance Model based on user of the present invention, i.e. demand for insurance are illustrated merely by a specific example above Increased and decreased.Other update status may also occur, such as demand for insurance does not change, and risk point is reduced；Or Demand for insurance is refined as more detailed demand, and correspondingly changing occurs in risk point.

Fig. 8 is the Insurance Model configuration diagram according to an embodiment of the invention based on user.Fig. 8 represents one kind The realization method of the Insurance Model based on user of Fig. 7.Certainly, other frameworks realize the Insurance Model based on user of the present invention And those skilled in the art can realize according to existing technological know-how, still within the scope of the invention.

With reference to figure 8, the Insurance Model 800 based on user includes three levels.Outermost layer is user interface 820, is represented With user exchange and interaction.The design of user interface 820 is concerned about user experience, directly affects user and likes to product Degree and usage frequency.Middle layer is demand 802, risk 804 and ensures 806 and insurance products 808 (optional), which represent with Family passes through the visible all or part of content of user interface 820.The insurance that user understands oneself and/or family by middle layer needs Ask, insurance risk, insurance cover and recommendation one or more of insurance products.Innermost layer is variable 810.810 generation of variable Table it is input by user about itself and family information and other for assessment user and/or its family demand for insurance, protect Dangerous risk, insurance cover and the helpful information of the insurance products of recommendation.Variable 810 be generally speaking to user it is sightless, But it is their ability to influence demand 802, risk 804 and ensures one of 806 or more persons.

In some embodiments, some variables in variable 810 are corresponding with insurance risk.In other words, insurance risk pair Answer one or more variables.For example, the risk for suffering from life-long disease correspond to age of user, personal annual income, annual family income, Whether there is or not multiple variables such as social security.According to the content and value condition of these variables, so that it may to understand the risk for suffering from life-long disease For user whether be practical risk and risk severity.In some embodiments, some variables in variable 810 are The information of user, including but not limited to：Gender, age, family structure, personal annual income, annual family income etc..In some implementations In example, variable 810 includes the preference of user, such as whether user takes notice of whether medical environment and service, user take notice of endowment Environment and service etc..In some embodiments, variable 810 can be the purchase intention or tendency of user, for example, user whether Pay close attention to advanced medical, whether pay close attention to endowment, whether pay close attention to children's education etc..In some embodiments, variable 810 can be user Or the change in future of family, such as whether user have whether the wish of immigrant, user have the wish etc. individually lived.

In some embodiments of the invention, variable can be directly inputted by user on the GUI of customer equipment；It can also By being selected or input in Questionnaire systems of the user in GUI user interface systems.In addition to being to be obtained in the direct interaction of user Other than the content of variable, it can also be obtained about user and/or user family by other channels or with third company cooperation These information in front yard.

As shown in figure 8, variable 810 is associated with one or more of demand 802, risk 804 and guarantee 806.Citing For, variable 810 includes one or more primary condition comprising but be not limited to：Whether gender the age, family structure, possesses One or more of variables such as house property.It can be estimated according to scheduled rule or algorithm according to the variable as primary condition The demand 802 of user.It is of course also possible to not based on the variable as primary condition and manual specification some common demand conducts The user demand of estimation.In some embodiments, estimate user's in conjunction with the demand of the variable of primary condition and manual specification Demand.Estimated demand is likely more accurately in this way.

Further, when demand 802 changes, variable 810 can also occur to change accordingly.These variations include swashing One or more variable 810 living；Close one or more variables 810；Or the combination of the two.After a variable is activated, Determine whether variable has been assigned.If variable is not assigned, which is added to the gui interface interacted with user In, it obtains the information of the variable from user and completes assignment.Again alternatively, when variable 810 changes, according to scheduled rule And algorithm, demand 802 occur to change accordingly.These variations include：Increase new demand；Reduce existing demand；By level-one Demand is refined as two level demand；Or the combination of the above three.It will be appreciated by those skilled in the art that the variation of variable 810 can Can be a dynamic process, therefore the variation of demand 802 is also likely to be a corresponding dynamic process.

In some embodiments, demand 802 and the interaction of variable 810 are realized by risk 804.For example, it needs Seek 802 correspondence one or more risk points 804.When some demand occurs, with one or more potential risks corresponding to it 804 associated one or more variables 810 are activated.When variable 810 is after assignment, potential risk may be converted to Practical risk.If the corresponding risk point of some demand does not become practical risk, this demand can delete.Such as preceding institute It introduces, the corresponding risk point of some demand may be across classification.Therefore, after the risk point across classification is in variable assignments from Potential risk becomes practical risk, then the corresponding demand of practical risk is also increased certainly.Next, more variables are swashed It is living, to which new demand and its risk point is assessed.Therefore, the interaction between variable and risk is more direct.In some realities It applies in example, variable is mutual corresponding with risk.After variable assignments, according to scheduled rule and algorithm, it can be estimated that risk Size, so that it is determined that whether some risk point becomes the priority of practical risk and risk.

In some embodiments, (such as all relevant variables as previously mentioned, after demand 802 and risk 804 determine Be assigned), so that it may since assessment ensure 806.When determining the guarantee 806 of certain one kind, scheduled configuration rule and algorithm And related variable can all be used.Therefore, ensure that 806 is also related to variable 810.In view of variable 810 and demand 802 and Interactive relationship between risk 804, then ensureing being associated with just more closely between 806 and variable 810.

According to one embodiment of present invention, the Insurance Model 800 based on user can also include insurance products 808.Such as It is preceding described, recommend insurance products and the Insurance Model that the corresponding access for buying insurance products is not based on user is provided 800 required part.It is different from the Insurance Model based on product, the present invention is based on the model of user substantially with insurance products without It closes.

In some embodiments, insurance product type can determine according to guarantee plan.After insurance product type determination, According to scheduled rule and algorithm, retrieves insurance products and insurance products are ranked up.It is pushed away to user according to the result of sequence Recommend insurance products.In some embodiments, the recommendation rules of insurance products and algorithm are only related with guarantee plan.

Fig. 9 is the schematic diagram of user interface system according to an embodiment of the invention.User interface system 900 can wrap Client can also be included in server end by including.For example, for APP applications, in order to increase interactive fluency, User interface system 900 is included in client.According to the instruction and data from server-side to user show corresponding interface and Content.For web access mode, client does not include any interface.Web browser is downloaded corresponding from server end Interface and content are simultaneously shown to user.User interface system is the part directly with customer interaction, has been largely fixed use The experience at family.

With reference to figure 9, in some embodiments, user interface system 900 includes：Initial interface 902, is asked at demand interface 904 Volume system 906, risk interface 908, guarantee plan interface 910, scheme of insuring interface 912 and interface 914 of insuring.

In some embodiments, initial interface 902 includes one or more interfaces.For user carry out demand analysis it Before, user inputs primary condition by initial interface 902.Initial interface 902 includes but not limited to：Gender interface, family structure One or more of interface, age interface or birthday interface etc..For interface system 900, initial interface 902 be it is optional, But it is also to recommend.Using primary condition, demand analysis can be more accurate, more targetedly.Do not including or is showing initially In the case of interface 902, it is also contemplated that from before interaction or third company obtained relevant information.Or Person selects all users since identical demand analysis.In some embodiments, initial interface 902 include login interface, Register interface one or more of gives cryptographic interface, user information interface for change etc..

Demand interface 904 includes graphical integration demand analysis interface, user requirements analysis interface, kinsfolk's analysis circle One or more of face, family's global analysis interface, demand adjustment interface.Each interface in demand interface can be discrete Multiple interfaces can also be continuous split screen or not split screen interface.

It is graphical to integrate demand analysis interface in a manner of patterned by all kinsfolks and/or the demand of all kinds It is presented to the user.It will be appreciated by those skilled in the art that patterned means are more intuitive and clear, it is the side for recommending to use Formula.It is also the same within the scope of the invention with non-patterned displaying.In some embodiments, integrating demand analysis interface includes The word of each demand for insurance and/or graphical explanation.In some instances, word and/or graphical explanation are with variable side Formula is shown.For example, when user's input is applied in some demand for insurance, the word of the demand for insurance and/or graphical is shown Explanation.

User requirements analysis interface, kinsfolk's assay surface are similar with family's global analysis interface.With user demand point For analysing interface, in the interface, one or more demand for insurance for being directed to the user are listed.Further, it is protected for some Dangerous demand can select to list the detailed description for the demand for insurance.Further, it can select to list the demand for insurance institute Corresponding potential risk.If the customer acceptance demand for insurance, can click needs on user requirements analysis interface for the insurance The button asked or link are analyzed hence into follow-up Questionnaire systems for the demand for insurance in more detail.If user Thinking that the demand for insurance may need to adjust, user can click button or the link of demand adjustment, and interface is adjusted into demand, Demand is adjusted.User is it will be appreciated by those skilled in the art that this is only a kind of displaying at user requirements analysis interface Mode.Kinsfolk's assay surface is similar with the form at family's global analysis interface, and the content of displaying is each kinsfolk Demand for insurance analysis and entire family demand for insurance as a whole is analyzed.In some embodiments, kinsfolk point It is optional to analyse interface and family's global analysis interface.

Questionnaire systems 906 include one or more interfaces.User answers a question in Questionnaire systems, to input user And/or the related information of its family.The use of Questionnaire systems 906 is the process for variable assignments being understood as before.In questionnaire In system 906, shows which problem and which type of sequentially carrys out showing problem with again or how according to returning before user It is that the Insurance Model based on user of the invention is determined to answer adjustment problem and/or sequence.But in the feelings for not considering content Under condition, for the realization of Questionnaire systems 906, existing Questionnaire systems can be applied to the user of the present invention in the prior art These problems of the Insurance Model based on user are shown in interface system 900 to user.

Risk interface 908 includes one or more interfaces.Risk interface 908 shows the guarantor after detailed analysis to user Dangerous risk.In some embodiments, including the updated demand interface of insurance risk can need for being shown simultaneously to user It asks and the corresponding risk of demand.Therefore, risk interface 908 is optional.Alternatively, showing the interface of demand and risk simultaneously It is considered risk interface.

For showing the interface of demand and risk simultaneously, interface 908 shows one or more by updated insurance Demand.Compared with demand analysis interface 904, interface 908 may include more demands, less demand or more thin The demand of change.For example, for the more family of assets, deposit demand of supporting parents simultaneously is not present；But demand analysis interface 904 before The assets succession demand that may be not present may increase.Further, medical demand may be refined as overseas advanced medical.

Interface 908 includes the practical insurance risk for each demand.Increase, reduction and the refinement of demand cause corresponding wind The variation nearly put.As previously mentioned, practical risk is the subset of potential risk.Therefore, for each demand for insurance, to user The risk point of display may be constant or reduces.The variation of demand and risk reflects the base based on the present invention in interface 908 It is directed to the assessment result of user situation in the Insurance Model of user.

Guarantee plan interface 910 is used for showing insurance cover.Specifically, being directed to each guarantee type, interface is being ensured The protection amount that 910 displayings are suggested respectively.In some embodiments, it can have been bought simultaneously to user's displaying at guarantee interface 910 Insurance products protection amount, and/or, it is proposed that protection amount and the protection amount for the insurance products bought between difference.At some In embodiment, in the priority for ensureing that interface 910 shows different guarantee types.Show that the mode of priority includes but not limited to： The sequence of displaying, the size of the font of displaying or figure or color, the label or prompting frame additionally added.In some implementations In example, ensure that interface 910 may include Suggestions on Support.Such as, it is proposed that user pay the utmost attention to which or which ensure type or Person more specifically ensures that configuration is suggested.

In some embodiments, ensure that interface 910 includes ensureing that the guarantee of type illustrates for each.For example, working as user When clicking some guarantee type, the page of unfolded either enters the new page and in the page of expansion or new page Illustrate to user's displaying for the guarantee of the guarantee type in face.It ensures that explanation may include descriptor or sentence, facilitates user Quickly understand the meaning of guarantee.

In some embodiments, in ensureing interface 910, allow user to adjust and ensure amount.User can be in guarantee volume Desired guarantee amount is inputted in degree adjustment interface.For guarantee amount input by user, ensure that interface can provide accordingly Feedback and suggestion, it is for reference.

In some embodiments, in the case where containing insurance products recommendation, guarantee plan and recommended products are incorporated Insure scheme interface 912 can as ensure interface 910 alternative.Alternatively, interface 912 of insuring is to ensure interface On the basis of increase the related content of recommended products.Include one or more recommendations insurance for example, under each guarantee classification The details of product and these insurance products, including but not limited to：Insurance products title, company, protection amount, ensure the time limit, One or more of the payment time limit, insurance expenses etc..

After user clicks some insurance products, interface 914 of insuring is shown to user.Insure the prompt of interface 914 user Input the necessary information insured by purchases such as insurer, insurer, beneficiary, entry-into-force times.In certain embodiments, it insures boundary Face 914 further includes payment interface.User can complete to pay by payment interface, buy insurance products.

Figure 10 is the schematic diagram of user interaction approach according to an embodiment of the invention.Figure 11 A-11G are according to this hair The user of bright one embodiment uses the interface schematic diagram of example.With reference to figure 10 and Figure 11 A-11G, the present invention is used by user An example interacting of user interface system, the technical solution further illustrated the present invention.

In step 1010, user uses initial interface, inputs primary condition；The example wherein initially met such as Figure 11 A institutes Show.The option or problem that user includes according to initial interface, input the information of user or family.

In step 1020, show that demand analysis interface, the example at wherein demand analysis interface are as shown in Figure 11 B to user. Demand analysis interface is graphically being integrated, user can see the demand collection of illustrative plates of family.Collection of illustrative plates according to demand, user can be intuitive Recognize which the type of the insurance needed for family and most urgent demand for insurance be in ground.In personal, child and educational expenses With under preparation project in advance, user can see these demand for insurance description and these demand for insurance it is one or more corresponding A potential risk.

Questionnaire systems are called in response to customer acceptance demand for insurance in step 1030, show that one or more is asked to user Topic.The example at the interface of Questionnaire systems is as shown in Figure 11 C.As shown, being carried out in detail for your some demand if user clicks The demand of determination is clicked in subdivision analysis, indicates this demand for insurance of customer acceptance.In Questionnaire systems, the need are shown to user The problem for seeking lower correspondence collects relevant information from user.

In step 1040, terminate in response to Questionnaire systems, the interface for retaining newer demand and risk is shown to user, such as Shown in Figure 11 D.After Questionnaire systems, detailed analysis all has been carried out in the demand analysis of customer acceptance.As previously mentioned, needing Asking may increase, reduction or refinement.Risk point corresponding to demand is converted into the subset of the risk point shown before.These are more It is newly the analysis result obtained using the Insurance Model based on user of the present invention.Pass through as previously mentioned, can be shown to user Newer demand interface, include either newer demand and risk risk interface or other include related content Interface.Comparison diagram 11B and Figure 11 D, although patterned integration demand collection of illustrative plates shape is roughly the same, shape is become Change.This means that insurance risk changes.By taking the medical costs reimbursement in person and reimbursement demand of display as an example, corresponding risk Point reduces.In some embodiments, the step for is optional, and guarantee plan circle can be directly transferred to after Questionnaire systems Face.

In step 1050, in response to the newer demand of customer acceptance and risk, guarantee plan interface is shown to user.It ensures The example at scheme interface is as depicted in fig. 11E.For example, user clicks the button of confirmation demand/risk or next step, user is indicated It is recognized newer demand and risk.Next, showing the interface of guarantee plan to user.At guarantee plan interface, to user Displaying is one or more to be ensured type and ensures the protection amount suggested respectively under type.

In step 1060, the insurance products of one or more recommendations are shown to user.The example of the insurance products of recommendation is such as Shown in Figure 11 F.Under each guarantee type, the product recommended can be shown to user.It can as previously mentioned, insurance products is recommended to be The step of selecting.

In step 1070, an insurance products are selected in response to user, interface of insuring is shown to user.It insures the reality at interface Such as shown in Figure 11 G.User inputs relevant information at interface of insuring, and can buy or make a reservation for the insurance products.Further, also It can show that the payment page, user complete payment, the purchase of the insurance products may be implemented to user.

Above by a specific example, illustrate on the display of client terminal device, interacted with user and The case where showing related interfaces.

Below by way of assessment demand for insurance, insurance risk and insurance cover and recommend the method for insurance products further Illustrate the Insurance Model based on user of the present invention.

Figure 12 is the schematic diagram of demand for insurance appraisal procedure according to an embodiment of the invention.As shown, assessment side Method 1200 includes the following steps：

The demand for insurance of user and/or subscriber household is estimated according to primary condition input by user in step 1210.Step Rapid 1210 be optional.It, can also be according to user or the most probable guarantor of family even if not considering primary condition input by user Demand for insurance of the dangerous demand as estimation.Certainly, most probable demand for insurance is adjusted based on primary condition input by user The demand for insurance of the estimation obtained after whole more meets the hope of user.As previously mentioned, demand for insurance can be divided into multistage.At some In embodiment, the demand for insurance of estimation is first order demand for insurance.Alternatively, in some embodiments, the demand for insurance packet of estimation Include the first order and second level demand for insurance.

It in step 1220, is inputted according to user, changes the user of estimation and/or the demand for insurance of subscriber household.Step 1220 be optional.If user approves the demand for insurance of estimation, the demand for insurance of estimation can be confirmed.If user Think that the demand for insurance of estimation needs to change, then applies user to input to change the demand for insurance of estimation.

In step 1230, the user of estimation and/or the demand for insurance of subscriber household are confirmed in response to user, calls questionnaire system System, the answer according to user to problem in one or more Questionnaire systems, for corresponding one or more variable assignments.User is true After the demand for insurance of estimation of accepting, one or more insurance problems are shown to user by Questionnaire systems.In some embodiments, As previously mentioned, insurance problem is corresponding with risk.After demand for insurance determines, the corresponding risk of demand for insurance it is relevant one or Multiple insurance problems will be added into Questionnaire systems, and be shown to user by client.Further, user answers these User's input of insurance problem can be used for these corresponding variable assignments of insurance problem.

In some embodiments, in response to the assignment of one or more variables, Questionnaire systems increase or decrease one or more The sequence of a insurance problem or the one or more problems of adjustment.Each insurance problem is to be mutually related in Questionnaire systems.With Family represents different insurance problem paths for different answer of an insurance problem.It is other with the determination in user path The problems in user path will be removed, and the insurance problem in Questionnaire systems will be reduced.Alternatively, same insurance in different paths The sequence of problem may be different, and the sequence of the insurance problem in Questionnaire systems will adjust.Further, demand for insurance or risk Increase new insurance problem can be caused to be added into Questionnaire systems, the insurance problem in Questionnaire systems will increase.

In step 1240, in response to the assignment of one or more variables, updating the insurance of user and/or subscriber household needs It asks.Specifically, in response to variable assignments, the demand of first level can be refined as one or more second level demands； Wherein the rank of second level demand is less than first level demand.Alternatively, risky in response to the corresponding institute of a demand for insurance Do not become practical risk through variable assignments, the demand for insurance can be removed.

In some embodiments, a risk may correspond to two demand for insurance.If the risk by variable assignments at For practical risk, then the corresponding another demand for insurance of the risk will also be considered the demand of user's confirmation.In other words, this is another Demand should be added in the demand for insurance of user.Correspondingly, in Questionnaire systems, the corresponding insurance of another demand is added and asks Topic.

In some embodiments, problem all in Questionnaire systems is answered in response to user, will eventually pass over newer The result that user demand is assessed as user's demand for insurance.If user fails to have answered all problems in Questionnaire systems and midway Stop, then the result assessed current updated user demand as demand for insurance.Therefore, no matter whether user answers All insurance problems, the method for the present embodiment can provide the evaluated user's insurance need for considering existing subscriber's input It asks.

Figure 13 is the schematic diagram of insurance risk assessment method according to an embodiment of the invention.As shown, assessment side Method 1300 includes the following steps：

In step 1310, the corresponding one or more potential risk points of demand are activated according to the demand of estimation.In some realities It applies in example, demand corresponding risk of one or more potential risk points as estimation can be shown to user.

In step 1320, Questionnaire systems are called, are one or more become to the answer of problem in Questionnaire systems according to user Measure assignment.Wherein, the problems in Questionnaire systems are corresponding with one or more potential risk points.

In step 1330, in response to the assignment of one or more variables, by potential risk point be converted to practical risk point or Person removes potential risk point.According to scheduled rule and algorithm, potential risk is assessed according to the assignment of one or more variables Whether the risk of point meets specific condition.Potential risk point is converted into practical risk point if meeting specific condition； Potential risk point is removed if not meeting specified conditions.

In step 1340, in response to the assignment of one or more variables, increase or remove one or more in Questionnaire systems The sequence of a problem or the one or more problems of adjustment.As previously mentioned, each problem can be interrelated in Questionnaire systems 's.According to the assignment of one or more variables, thus it is possible to vary one or more of Questionnaire systems problem.

In step 1350, practical risk point is converted to from potential risk point in response to a risk point, which is returned The problem that other risk points of the demand of category are corresponding is added to Questionnaire systems.As previously mentioned, in some embodiments, a risk Two demand for insurance may be corresponded to.If the risk becomes practical risk by variable assignments, the risk is corresponding another Demand for insurance will also be considered the demand of user's confirmation.In other words, which should be added in the demand for insurance of user； The corresponding risk point of another demand is also activated.Correspondingly, in Questionnaire systems, the corresponding risk point of another demand is added Relevant insurance problem.

In step 1360, problem all in Questionnaire systems is answered in response to user, shows practical risk point.Or Step 1370, if user fails to have answered all problems in Questionnaire systems, midway stops, and shows current practical risk Point.

Figure 14 is the schematic diagram of insurance cover appraisal procedure according to an embodiment of the invention.As shown, assessment side Method 1400 includes the following steps：

In step 1410, type is ensured according to being determined by newer demand.

In step 1420, the protection amount for ensureing type is determined according to the practical risk point upgraded demand.

In step 1430, protection amount is adjusted.Protection amount is adjusted according to following factor, including but not limited to： One or more of insurance protection amount, company's annuity, national welfare, (please supplement) through purchase etc..

Figure 15 is the schematic diagram that insurance products according to an embodiment of the invention recommend method.As shown, assessment side Method 1500 includes the following steps：

In step 1510 insurance products are retrieved according to type is ensured.In some embodiments, insurance products include ensureing The label of type.The retrieval of insurance products can be facilitated in this way.

The insurance products of retrieval are filtered according to filter algorithm in step 1520.In some embodiments, proposed algorithm packet The insurance products by scoring less than threshold value are included to remove；Or difference comparation and assessment example in user's evaluation is moved higher than the insurance products of threshold value It removes.It will be appreciated by those skilled in the art that being only the example of filter algorithm above.Others retrieval filter algorithm can also answer The filtering of retrieval result is realized for the present invention.In some embodiments, the insurance production retained after proposed algorithm filters Product quantity is less than 10,5,4,3 or 2.

It is sorted to filtered insurance products according to insured amount premium matching algorithm in step 1530.Insured amount matching algorithm is The insured amount immediate scheme of selection is simultaneously ranked up filtered insurance products with this.In some embodiments, each insurance Product includes the sequence of preferential recommendation sequence, wherein insured amount matching algorithm is according to the insured amount immediate scheme conduct of sequencing selection The insurance products of recommendation.

Such as：When a certain user demand configures periodically weight disease, all products under the periodically label of weight disease are removed first, so Selection product is gone according to sequence afterwards.Such as sequence 1 product highest protection amount there was only 500,000 (10,20,30,50), sort 2 product Highest 800,000 (having 20,50,800000 three gears) of protection amount.It, can be according to following rule compositor for different protection amounts：

A：When needing to configure 300,000 scheme, the product of appearance is；Recommend the product of sequence 1

B：When needing to configure 800,000 scheme, the product of appearance is：Sequence 1 product 500,000, sort 2 product 10 Ten thousand.

C：When needing to configure 600,000 scheme, the product of appearance is：Sequence 1 product 500,000, sort 2 product 20 Ten thousand.That is, the insured amount immediate scheme of selection.

In step 1540, recommendation results are shown to user.

Figure 16 is the schematic diagram of variable's attribute according to an embodiment of the invention.The insurance mould based on user of the present invention Include multiple variables in type.These variables can be divided into three kinds of variables：First variable, personal information variable, such as gender, year Age, annual income etc.；Second variable, family information variable, such as annual family income, household spending, children's education expenditure etc.； And third variable, i.e., derivative variable are obtained according to scheduled rule or algorithm based on the first variable and/or the second variable Variable, such as ensure completeness, calculation formula is：Protection amount/premium.

As shown, variable may include one or more different attributes.In some embodiments, variable is assigned according to it Value attribute may include numerical variable, Boolean variable, text variable, time variable etc..

In some embodiments, some variables include risk attributes, are the corresponding risk point of variable.Further, become Amount can also include demand properties, for the demand of risk point ownership.As previously mentioned, some demands may include the wind across classification Dangerous point.It may belong to simultaneously and two or more demands across the risk point of classification.Correspondingly, across the risk point pair of classification The demand properties of dependent variable may include two demands.As previously mentioned, demand can be divided into multistage.That is, a demand It can also include the sub- demand of subordinate.Similarly, demand properties also include multistage.

In some embodiments, some variables include question attributes, for the problems in corresponding Questionnaire systems.For example, becoming It measures " house property state ", is assigned a value of "Yes" or "No", the problem corresponded to is No. 8 problems in Questionnaire systems, i.e., " whether family purchases House property is bought", answer is option "Yes" or "No".

Further, question attributes further include priority.Priority determines the problem of its correspondence in Questionnaire systems Sequentially.In other words, Questionnaire systems determine that the problem shows client's in Questionnaire systems according to the priority in question attributes Sequentially.Since certain problems are associated, priority also determines the incidence relation of these problems.These problems are according to successively suitable Sequence and with the priority that is sequentially arranged.For example, problem 6,7,8 is related question, is sequentially problem 6,7,8.Problem 6, 7,8 corresponding priority are continuous positive integers 51,52 and 53.When priority adjusts, problem 6,7,8 corresponding priority are simultaneously Plus-minus, to ensure that the sequence between these problems is constant.In other embodiments, attribute is not the problem of variable Including priority, and each problem in Questionnaire systems includes priority.Pass through the priority to each problem in Questionnaire systems Identical effect can be reached by being adjusted.

In some embodiments, some variables include status attribute, are " activation " or " inactive " state.Work as variable Status attribute be " activation " state, then in its question attributes correspondence problem will be added into Questionnaire systems.When variable Status attribute is " inactive " state, then problem corresponding in its question attributes will be removed from Questionnaire systems.The present invention's Insurance Model based on user can change the shape of another or multiple variables in response to the assignment of one or more variables State attribute, to which Questionnaire systems are added in problem corresponding to another or multiple variables or are removed from Questionnaire systems.Or Person, the problem of changing another or multiple variables in response to the assignment of one or more variables attribute priority, to Change the displaying sequence of another or problem corresponding to multiple variables.

In some embodiments, attribute is divided into multiple groups to the variable in variable pond according to demand.In response to a demand It is confirmed by the user, the variable in variable pond in corresponding group of the demand is all transferred in Questionnaire systems.Demand is confirmed by the user packet It includes user and passes through input validation one or more demand.Alternatively, a demand properties include the variable of multiple demands after assignment, The present invention based on the Insurance Model of user according to it is scheduled rule and algorithm, determine that the risk corresponding to the variable has been more than pre- Definite value, then the risk corresponding to the variable will become practical risk.Correspondingly, other demand quilts in the demand properties of the variable Think also to be confirmed by the user.The corresponding variable of other demands will be activated and be added among Questionnaire systems.

It will be appreciated by those skilled in the art that the insurance based on user of the present invention is described in above description in detail Framework, method, interaction and the realization of model.According to foregoing description, there is relevant insurance knowledge and insurance sales experience This field related personnel can find out various demand for insurance, insurance risk, insurance cover and relative completely Insure variable, and corresponding questionnaire problem can be gone out according to these insurance Variational Designs, thus in the present invention based on user's Respective internet insurance system is developed on the basis of Insurance Model.These insurance systems and its related framework, method, interaction, And it realizes all within the scope of the invention.

Above-described embodiment is used for illustrative purposes only, and is not limitation of the present invention, in relation to the general of technical field Logical technical staff can also make a variety of changes and modification without departing from the present invention, therefore, all equivalent Technical solution should also belong to scope disclosed by the invention.

Claims (30)

1. a kind of method of computer-implemented assessment demand for insurance, including：

The first level demand for insurance confirmed through user is received by communication network using one or more communication interfaces；

It is indicated to one of user's displaying based on first level demand for insurance by communication network using one or more communication interfaces A or multiple insurance problems；And

In response to using one or more communication interfaces to receive one or more use for being directed to insurance problem by communication network Family inputs, and updates first level demand for insurance using one or more processors.

2. according to the method described in claim 1, wherein update first level demand for insurance includes increasing or removing one or more A first level demand for insurance；Or first level demand for insurance is converted into one or more second level demands, wherein the The rank of two level demands is less than first level demand.

3. according to the method described in claim 1, further comprising passing through communication network in response to one or more communication interfaces Primary condition input by user is received, the first level demand for insurance of user is estimated using one or more processors.

4. according to the method described in claim 1, further comprise using one or more processors according to receive one or Multiple user's inputs for insurance problem are one or more variable assignments.

5. according to the method described in claim 4, further comprise the assignment in response to one or more variables, using one or Multiple communication interfaces increase or decrease one or more insurance problems or the one or more guarantors of adjustment by communication network instruction The sequence of dangerous problem.

6. according to the method described in claim 4, further comprise the assignment in response to one or more variables, using one or The potential insurance risk of the corresponding one or more of one demand for insurance is removed or is converted to practical insurance risk by multiple processors.

7. according to the method described in claim 6, further comprising corresponding one or more latent in response to the demand for insurance It is all removed in insurance risk, the demand for insurance is removed using one or more processors.

8. according to the method described in claim 6, further comprising being converted to reality in response to one or more potential insurance risks Border insurance risk increases the corresponding other demand for insurance of the practical insurance risk using one or more processors.

9. according to the method described in claim 6, further comprising being converted to reality in response to one or more potential insurance risks Border insurance risk replaces first level demand for insurance using one or more processors with second level demand for insurance；Wherein The rank of two level demands is less than first level demand.

10. according to the method described in claim 6, further comprising in response to using one or more communication interfaces to pass through communication Network receives the instruction that user terminates the input of insurance problem, and current each rank is provided using one or more processors Demand for insurance or demand for insurance and corresponding insurance risk.

11. a kind of method of computer-implemented assessment demand for insurance, including：

The demand for insurance of first level is sent by communication network using one or more communication interfaces；

One or more guarantors based on first level demand for insurance are received by communication network using one or more communication interfaces The instruction of dangerous problem；

Using display one or more insurance problems are shown to user；

One or more users for insurance problem are sent using one or more communication interfaces by communication network to input；With And

The demand for insurance of newer user is received by communication network using one or more communication interfaces.

12. according to the method for claim 11, update first level demand for insurance includes increase or removes one or more First level demand for insurance；Or first level demand for insurance is converted into one or more second level demands, wherein second The rank of level demand is less than first level demand.

13. according to the method for claim 11, further comprising passing through communication network using one or more communication interfaces Send primary condition input by user.

14. according to the method for claim 13, further comprising in response to sending one or more for insurance problem User input, using one or more communication interfaces by communication network reception increase or decrease one or more insurance problems or Person adjusts the instruction of the sequence of one or more insurance problems.

15. according to the method for claim 11, wherein defeated in response to sending one or more users for insurance problem Enter, the instruction for removing demand for insurance is received by communication network using one or more communication interfaces, wherein the demand for insurance The corresponding potential insurance risk of one or more is all removed.

16. according to the method for claim 11, wherein defeated in response to sending one or more users for insurance problem Enter, is received by communication network using one or more communication interfaces and first level demand for insurance is converted into second level insurance The instruction of demand, the wherein rank of second level demand are less than first level demand.

17. according to the method for claim 11, further comprising passing through communication network using one or more communication interfaces The instruction for receiving the relevant one or more problems of the corresponding insurance risk of increased other demand for insurance, wherein other guarantor Dangerous demand is corresponding with the potential insurance risk of one or more of practical insurance risk is converted to.

18. according to the method for claim 17, further comprising passing through communication network using one or more communication interfaces It receives and the other relevant insurance problem of demand for insurance.

19. according to the method for claim 18, wherein other demand for insurance is not included in first level demand for insurance.

20. according to the method for claim 11, further comprise the input that insurance problem is terminated in response to receiving user, The instruction of update demand for insurance is sent by communication network using one or more communication interfaces.

21. a kind of demand for insurance assessment system, including：

One or more communication interfaces；

One or more memory cells；

One or more processors execute the computer-readable instruction being stored in one or more of memory cells, To：

Receive the first level demand for insurance confirmed through user；

It indicates to show one or more insurance problems based on first level demand for insurance to user；And

It is inputted in response to one or more users for insurance problem, updates first level demand for insurance.

22. system according to claim 21, wherein update first level demand for insurance include increase or remove one or Multiple first level demand for insurance；Or first level demand for insurance is converted into one or more second level demands, wherein The rank of second level demand is less than first level demand.

23. system according to claim 21 further comprises, in response to primary condition input by user, estimating user's First level demand for insurance.

24. system according to claim 21 further comprises that basis receives one or more for insurance problem User's input is one or more variable assignments.

25. system according to claim 24 further comprises that the assignment in response to one or more variables, instruction increase Or reduce the sequence of one or more insurance problems or the one or more insurance problems of adjustment.

26. system according to claim 24 further comprises the assignment in response to one or more variables, one is protected The potential insurance risk of the corresponding one or more of dangerous demand removes or is converted to practical insurance risk.

27. system according to claim 26 further comprises one or more corresponding in response to the demand for insurance Potential insurance risk is all removed, and the demand for insurance is removed using one or more processors.

28. system according to claim 26 further comprises being converted in response to one or more potential insurance risks Practical insurance risk increases the corresponding other demand for insurance of the practical insurance risk.

29. system according to claim 26 further comprises being converted in response to one or more potential insurance risks Practical insurance risk replaces first level demand for insurance with second level demand for insurance；The rank of wherein second level demand is low In first level demand.

30. system according to claim 26 further comprises the instruction that the input of insurance problem is terminated in response to user, The demand for insurance or demand for insurance of the current each rank of offer and corresponding insurance risk.