CN108764964A - For the data interactive method and device of insurance, client - Google Patents
For the data interactive method and device of insurance, client Download PDFInfo
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- CN108764964A CN108764964A CN201810393158.8A CN201810393158A CN108764964A CN 108764964 A CN108764964 A CN 108764964A CN 201810393158 A CN201810393158 A CN 201810393158A CN 108764964 A CN108764964 A CN 108764964A
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- insurance
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- enquirement
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/02—Marketing; Price estimation or determination; Fundraising
- G06Q30/0201—Market modelling; Market analysis; Collecting market data
- G06Q30/0203—Market surveys; Market polls
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/08—Insurance
Abstract
This application discloses a kind of data interactive methods and device, client for insurance.This method includes：Establish the interactive window with the first user；Default put question to is sent to the interactive window；First user is received according to the default enquirement answer for puing question to feedback；And the demand for insurance of first user is determined according to the enquirement answer.Present application addresses the more single technical problems of the acquisition pattern of reinsurance-relevant data.The present processes promote user experience by intelligent interaction mode.Client in the application is used for the tool as service insurance agent/broker, and utilization rate is high, improves insurance business into single-action rate.
Description
Technical field
This application involves software fields, in particular to a kind of data interactive method and device for insurance.
Background technology
When buying insurance, typically agent/broker is mutually tied based on the attraction of insurance products with user situation user
It closes, or based on user's own situation by way of risk test and appraisal, to user's promotion insurance products.
Inventor has found, mostly using the mode of single questionnaire survey when obtaining risk test and evaluation report at present, into
One step collect user Sex, Age, family structure, whether drive, whether move, situation of travelling on official business, occupational group, family
The essential informations such as income, debt-credit situation, social security situation, and relevant risk test and appraisal report is provided according to the essential information of these users
It accuses.But it shows that in the form of a single, evaluating result is relatively simple when by the way of questionnaire survey.
For the more single problem of the acquisition pattern of reinsurance-relevant data in the related technology, not yet propose at present effective
Solution.
Invention content
The main purpose of the application is to provide a kind of data interactive method for insurance, to solve reinsurance-relevant data
The more single problem of acquisition pattern.
To achieve the goals above, according to the one side of the application, a kind of data interaction side for insurance is provided
Method.
Include according to the data interactive method for insurance of the application：Establish the interactive window with the first user；To institute
It states interactive window and sends default put question to；First user is received according to the default enquirement answer for puing question to feedback；And root
The demand for insurance of first user is determined according to the enquirement answer.
Further, receive first user includes according to the enquirement answer of the default enquirement feedback：Described in reception
The object content answer that first user feeds back according to goal-selling；The insurance of first user is determined according to the enquirement answer
Demand includes：The demand for insurance priority of first user is determined according to the object content answer.
Further, receive first user includes according to the enquirement answer of the default enquirement feedback：Described in reception
The distribution amount of money answer that first user feeds back according to quasi- distribution amount of money problem；First user is determined according to the enquirement answer
Demand for insurance include：The demand for insurance amount of first user is determined according to the distribution amount of money answer.
Further, receive first user includes according to the enquirement answer of the default enquirement feedback：Described in reception
First user puts question to the purchase intention of feedback to put question to answer according to insurance products purchase intention；Institute is determined according to the enquirement answer
The demand for insurance for stating the first user includes：Answer is putd question to determine that the demand for insurance of first user is protected according to the purchase intention
Dangerous type.
Further, determine that the demand for insurance of first user further includes later according to the enquirement answer：Receive root
The insurance products scheme provided according to the demand for insurance of the first user；Audit whether the insurance products scheme meets preset recommendation
Condition；If auditing the insurance products scheme meets preset recommendation condition, insurance products scheme is executed to the first user
Recommend operation.
To achieve the goals above, according to the another aspect of the application, a kind of data interaction dress for insurance is provided
It sets.
Include according to the data interaction device for insurance of the application：Module is established, for establishing with the first user's
Interactive window；Sending module, for sending default put question to the interactive window；Receiving module is used for receiving described first
Family is according to the default enquirement answer for puing question to feedback；And determining module, for determining described according to the enquirement answer
The demand for insurance of one user.
Further, the receiving module includes：First receiving unit, the determining module include：First determination unit,
First receiving unit, the object content answer fed back according to goal-selling for receiving first user；First determination unit,
Demand for insurance priority for determining first user according to the object content answer.
Further, the receiving module includes：Second receiving unit, the determining module include：Second determination unit,
Second receiving unit, for receiving distribution amount of money answer of first user according to quasi- distribution amount of money problem feedback；Second really
Order member, the demand for insurance amount for determining first user according to the distribution amount of money answer.
Further, the receiving module includes：Third receiving unit, the determining module include：Third determination unit,
Third receiving unit puts question to the purchase intention enquirement of feedback to answer for receiving first user according to insurance products purchase intention
Case；Third determination unit, for puing question to answer to determine that the demand for insurance of first user insures class according to the purchase intention
Type.
In the embodiment of the present application, by the way of sending default put question to the interactive window, by receiving described the
One user has reached according to the default enquirement answer for puing question to feedback and has determined first user's according to the enquirement answer
The purpose of demand for insurance obtains the technique effect of user's demand for insurance to realize dialog interaction, and then solves insurance
The more single technical problem of the acquisition pattern of related data.
Description of the drawings
The attached drawing constituted part of this application is used for providing further understanding of the present application so that the application's is other
Feature, objects and advantages become more apparent upon.The illustrative examples attached drawing and its explanation of the application is for explaining the application, not
Constitute the improper restriction to the application.In the accompanying drawings：
Fig. 1 is the data interactive method schematic diagram for insurance according to the application first embodiment；
Fig. 2 is the data interactive method schematic diagram for insurance according to the application second embodiment；
Fig. 3 is the data interactive method schematic diagram for insurance according to the application 3rd embodiment；
Fig. 4 is the data interactive method schematic diagram for insurance according to the application fourth embodiment；
Fig. 5 is the data interactive method schematic diagram for insurance according to the 5th embodiment of the application；
Fig. 6 is the data interaction device schematic diagram for insurance according to the application first embodiment；
Fig. 7 is the data interaction device schematic diagram for insurance according to the application second embodiment；
Fig. 8 is the data interaction device schematic diagram for insurance according to the application 3rd embodiment；And
Fig. 9 is the data interaction device schematic diagram for insurance according to the application fourth embodiment.
Specific implementation mode
In order to make those skilled in the art more fully understand application scheme, below in conjunction in the embodiment of the present application
Attached drawing, technical solutions in the embodiments of the present application are clearly and completely described, it is clear that described embodiment is only
The embodiment of the application part, instead of all the embodiments.Based on the embodiment in the application, ordinary skill people
The every other embodiment that member is obtained without making creative work should all belong to the model of the application protection
It encloses.
It should be noted that term " first " in the description and claims of this application and above-mentioned attached drawing, "
Two " etc. be for distinguishing similar object, without being used to describe specific sequence or precedence.It should be appreciated that using in this way
Data can be interchanged in the appropriate case, so as to embodiments herein described herein.In addition, term " comprising " and " tool
Have " and their any deformation, it is intended that cover it is non-exclusive include, for example, containing series of steps or unit
Process, method, system, product or equipment those of are not necessarily limited to clearly to list step or unit, but may include without clear
It is listing to Chu or for these processes, method, product or equipment intrinsic other steps or unit.
It should be noted that in the absence of conflict, the features in the embodiments and the embodiments of the present application can phase
Mutually combination.The application is described in detail below with reference to the accompanying drawings and in conjunction with the embodiments.
As shown in Figure 1, this method includes following step S102 to step S108：
Step S102 establishes the interactive window with the first user；
First user can establish and the interactive window of user, the friendship when being accessed by intelligent terminal on intelligent terminal
Mutual window is establishing the interactive relational with user.The question and answer shape with a user can be included at least in interactive window
Formula.It can also be the ends PC that intelligent terminal, which can be smart mobile phone, tablet computer,.
For example, user A can be established with user A's after opening related application by smart mobile phone on smart mobile phone
Interactive window.
Step S104 sends default put question to the interactive window；
Preset enquirement is sent in interactive window in terminal.It puts question to by presetting and will be carried according to respective rule
It is sent one by one to the interactive window after asking arrangement, combination and optimization.
It can also be sent according to preset answer answer when sending preset enquirement in the interactive window in terminal
The default enquirement of Different Rule.
Can be that whole family's basic necessities of life are plentiful, father for example, user can be guided to input life goal by way of default put question to
Mother spends remaining years in comfort.
For another example, can be by being sent one by one to the interactive window after puing question to arrangement, combination and optimizing, Ke Yishi
The age of user puts question to, gender is putd question to, annual family income is putd question to etc..
Preferably, can be after insurance agent/broker logs in corresponding backstage account by background system, by asking
The mode of volume sets the default enquirement of configuration.
Preferably, can be after insurance agent/broker logs in corresponding backstage account by background system, configuration carries
Ask and put question to answer.
Step S106 receives first user according to the default enquirement answer for puing question to feedback；
User is received in background server to presetting the enquirement answer of problem feedback, and is directed to the answer of user feedback,
Feedback is corresponding to be answered.
It is answered according to default insure object and the subject age enquirement of insuring for puing question to feedback for example, user can be received
Case.
For another example, can receive user according to it is described it is default put question to feedback insure object income account for family income ratio and
Object premium ratio of insuring puts question to answer.
Also answered according to the enquirement of the buying car time and time of buying house of the default enquirement feedback for example, user can be received
Case.
First user is received to can include but is not limited to according in the default enquirement answer for puing question to feedback, than
Such as, whole family's basic necessities of life are plentiful, support one's parents, children's education, retirement lives, buy house exchange houses, buying car is changed trains, disease is cured, pays off loan
Money, tourism such as are played at users' life goal.
Step S108 determines the demand for insurance of first user according to the enquirement answer.
When according to puing question to answer to determine the demand for insurance of user, wealth can be done to client based on household finance safety
Business Security requirements analysis, show that user's saves amount from damage, is compared eventually by financial instrument, show that insurance is optimal finance
Tool.
According to puing question to answer to determine that the demand for insurance of user can be the angle from financial security, user is allowed to be based on certainly
Body situation sets oneself ideal family life target, and show that user is required in order to complete important family life target
Financial security amount.
According to puing question to answer to determine, the demand for insurance of user can be obtained financial security taking turns dialogue by way of more and survey
Commentary Report accuse as a result, to further collect user Sex, Age, family structure, whether drive, family income, debt-credit feelings
The essential informations such as condition, health condition, social security situation.
In one feasible embodiment of the application,
Default put question to is sent to the interactive window can include but is not limited to：
1) your cost of living spendings (the basic expense of such as clothing, food, lodging and transportion -- basic necessities of life) of family monthly are how many？
2) you and Mrs/Mr. are average monthly how many alimony can be total to both sides parent？
3) before arriving child's work, education funds that you estimate are (if any planning to study abroad, in addition to tuition fee, comprising taking an entrance examination and study abroad
Cost of living etc.) it is how many？
4) you and Mrs/Mr. look ahead monthly endowment spend how much？
5) you plan buy house/exchange houses it is pre- at last？
6) you plan buying car/change trains it is pre- at last？
7) you want how many reserve fund prepared for the health of the whole family and medical treatment？
8) how much your current loan is also surplus does not repay (including housing loan, vehicle loan, credit card etc.)？
It is oneself and the how many tourism funds of family's preparation every year that you are estimated？It can be seen from the above description that the application
Realize following technique effect：
In the embodiment of the present application, by the way of sending default put question to the interactive window, by receiving described the
One user has reached according to the default enquirement answer for puing question to feedback and has determined first user's according to the enquirement answer
The purpose of demand for insurance obtains the technique effect of user's demand for insurance to realize dialog interaction, and then solves insurance
The more single technical problem of the acquisition pattern of related data.Preferably, based on household finance safety, finance are done to client
Security requirements analysis show that user's saves amount from damage, is compared eventually by financial instrument, show that insurance is optimal financial work
Tool.
According to the embodiment of the present application, as preferred in the present embodiment, as shown in Fig. 2, receive first user according to
It is described it is default put question to feedback enquirement answer include：
Step S202 receives the object content answer that first user feeds back according to goal-selling；
The object content answer of the goal-selling feedback received is corresponded to as acquisition user preset target and goal-selling
Weight a kind of interactive mode.
For example, goal-selling can be：Whole family's basic necessities of life are plentiful, support one's parents, children's education, retirement lives, buy house exchange houses,
Buying car is changed trains, disease is cured, pay off loan, tourism is played.
For example, the corresponding weight of goal-selling can be：Priority weight and secondary weight.
Determine that the demand for insurance of first user includes according to the enquirement answer：
Step S204 determines the demand for insurance priority of first user according to the object content answer.
It can determine the demand for insurance different priorities of user by object content answer.
For example, priority, that is, weight rank can be divided into：It is important, it is secondary important or non-selected.
According to the embodiment of the present application, as preferred in the present embodiment, as shown in figure 3, receive first user according to
It is described it is default put question to feedback enquirement answer include：
Step S302 receives distribution amount of money answer of first user according to quasi- distribution amount of money problem feedback；
The distribution amount of money that the quasi- distribution amount of money problem received is fed back is summarized, and is matched point according to preset rules
With the amount of money.
For example, needing 6000/ month living expenses that whole family's basic necessities of life can be allowed plentiful；Monthly both sides parent can be given total with spouse
Meter alimony in 4000/ month.The standard of endowment of for another example looking ahead with spouse is 4000/ month.Plan buying car/change trains is pre-
At last 300,000.The fund for needing the reserve fund for preparing 500,000 healthy from now on, medical as the whole family.
Determine that the demand for insurance of first user includes according to the enquirement answer：
Step S304 determines the demand for insurance amount of first user according to the distribution amount of money answer.
It determines that the demand for insurance amount of user can be by distributing amount of money answer, intend the distribution amount of money and distributes the reality of the amount of money
Border ratio；Or accounting of the distribution amount of money in the quasi- distribution amount of money.The actual ratio of either quasi- the distribution amount of money and preset cost.
According to the embodiment of the present application, as preferred in the present embodiment, as shown in figure 4, receive first user according to
It is described it is default put question to feedback enquirement answer include：
Step S402 receives first user and puts question to the purchase intention enquirement of feedback to answer according to insurance products purchase intention
Case；
Insurance products purchase intention, that is, insurance products form, for example be the insurance products form for kinsfolk, still
For personal insurance products form.
Determine that the demand for insurance of first user includes according to the enquirement answer：Demand for insurance in person；Spouse insures
Demand；Life insurance for children demand；Parental insurance demand.
Step S404 puts question to answer to determine that the demand for insurance of first user insures type according to the purchase intention.
Insuring type can be：Serious illness insurance, medical insurance, life insurance, accident insurance, annuity endowment, education gold.
According to the embodiment of the present application, as preferred in the present embodiment, as shown in figure 5, being determined according to the enquirement answer
Further include after the demand for insurance of first user：
Step S502 receives the insurance products scheme provided according to the demand for insurance of the first user；
Insurance products scheme is by insurance products agent/broker by combining the user obtained to protect on background server
The insurance combination product scheme that dangerous demand is provided.For example, may include that target, the type of insurance and purchase are preferential in insurance products
Grade.
For another example, it can also be for spouse, children, the parent in the different home member relation in addition to me.
Step S504, audits whether the insurance products scheme meets preset recommendation condition；
Ideal life target set by user calculates the insurance products needed for analysis warrantee according to preset rules
Form and priority.
Step S506 is executed if auditing the insurance products scheme meets preset recommendation condition to the first user
Insurance products scheme recommends operation.
Audit whether above-mentioned insurance products scheme meets preset recommendation condition according to recommendation condition, the mode of audit can
In a manner of being machine audit or manual examination and verification.It is to ensure that life goal phase of the insurance products scheme with user by audit
Match.
It should be noted that step shown in the flowchart of the accompanying drawings can be in such as a group of computer-executable instructions
It is executed in computer system, although also, logical order is shown in flow charts, and it in some cases, can be with not
The sequence being same as herein executes shown or described step.
According to the embodiment of the present application, a kind of dress for implementing the above-mentioned data interactive method for insurance is additionally provided
It sets, as shown in fig. 6, the device includes：Module 10 is established, for establishing and the interactive window of the first user；Sending module 20 is used
It is putd question in sending to preset to the interactive window；Receiving module 30, for receiving first user according to the default enquirement
The enquirement answer of feedback；And determining module 40, the demand for insurance for determining first user according to the enquirement answer.
Establishing in the embodiment of the present application can be on intelligent terminal when 10 first user of module is accessed by intelligent terminal
Establish with the interactive window of user, the interactive window is establishing the interactive relational with user.It can be in interactive window
Including at least the question and answer mode with a user.It can also be the ends PC that intelligent terminal, which can be smart mobile phone, tablet computer,.
For example, user A can be established with user A's after opening related application by smart mobile phone on smart mobile phone
Interactive window.
Preset enquirement is sent in interactive window of the sending module 20 in terminal in the embodiment of the present application.Enquirement passes through
It presets and will be sent one by one to the interactive window after puing question to arrangement, combination according to respective rule and optimize.
It can also be sent according to preset answer answer when sending preset enquirement in the interactive window in terminal
The default enquirement of Different Rule.
Can be that whole family's basic necessities of life are plentiful, father for example, user can be guided to input life goal by way of default put question to
Mother spends remaining years in comfort.
For another example, can be by being sent one by one to the interactive window after puing question to arrangement, combination and optimizing, Ke Yishi
The age of user puts question to, gender is putd question to, annual family income is putd question to etc..
Preferably, can be after insurance agent/broker logs in corresponding backstage account by background system, by asking
The mode of volume sets the default enquirement of configuration.
Preferably, can be after insurance agent/broker logs in corresponding backstage account by background system, configuration carries
Ask and put question to answer.
Receiving module 30 in the embodiment of the present application receives the enquirement that user feeds back to presetting problem in background server
Answer, and for the answer of user feedback, feed back corresponding answer.
It is answered according to default insure object and the subject age enquirement of insuring for puing question to feedback for example, user can be received
Case.
For another example, can receive user according to it is described it is default put question to feedback insure object income account for family income ratio and
Object premium ratio of insuring puts question to answer.
Also answered according to the enquirement of the buying car time and time of buying house of the default enquirement feedback for example, user can be received
Case.
First user is received to can include but is not limited to according in the default enquirement answer for puing question to feedback, than
Such as, whole family's basic necessities of life are plentiful, support one's parents, children's education, retirement lives, buy house exchange houses, buying car is changed trains, disease is cured, pays off loan
Money, tourism such as are played at users' life goal.
It, can be with family when determining module 40 in the embodiment of the present application determines the demand for insurance of user according to enquirement answer
Based on financial security, financial security demand analysis is done to client, show that user's saves amount from damage, eventually by financial instrument pair
Than showing that insurance is optimal financial instrument.
According to puing question to answer to determine that the demand for insurance of user can be the angle from financial security, user is allowed to be based on certainly
Body situation sets oneself ideal family life target, and show that user is required in order to complete important family life target
Financial security amount.
According to puing question to answer to determine, the demand for insurance of user can be obtained financial security taking turns dialogue by way of more and survey
Commentary Report accuse as a result, to further collect user Sex, Age, family structure, whether drive, whether move, travel on official business
The essential informations such as situation, occupational group, family income, debt-credit situation, health condition, social security situation.
According to the embodiment of the present application, as preferred in the present embodiment, as shown in fig. 7, the receiving module 30 includes：The
One receiving unit 301, the determining module 40 include：First determination unit 401, the first receiving unit 301 are described for receiving
The object content answer that first user feeds back according to goal-selling；First determination unit 401, for being answered according to the object content
Case determines the demand for insurance priority of first user.
The object content answer conduct of the goal-selling feedback received in first receiving unit 301 of the embodiment of the present application
Obtain a kind of interactive mode of user preset target and the corresponding weight of goal-selling.
For example, goal-selling can be：Whole family's basic necessities of life are plentiful, support one's parents, children's education, retirement lives, buy house exchange houses,
Buying car is changed trains, disease is cured, pay off loan, tourism is played.
For example, the corresponding weight of goal-selling can be：Priority weight and secondary weight.
The demand for insurance of user is can determine in first determination unit 401 of the embodiment of the present application by object content answer
Different priorities.
For example, priority, that is, weight rank can be divided into：It is important, it is secondary important or non-selected.
According to the embodiment of the present application, as preferred in the present embodiment, as shown in figure 8, the receiving module 30 includes：The
Two receiving units 302, the determining module 40 include：Second determination unit 402, the second receiving unit 302 are described for receiving
The distribution amount of money answer that first user feeds back according to quasi- distribution amount of money problem；Second determination unit 402, for according to the distribution
Amount of money answer determines the demand for insurance amount of first user.
The distribution amount of money for feeding back the quasi- distribution amount of money problem received in second receiving unit 302 of the embodiment of the present application
Summarized, and the distribution amount of money is matched according to preset rules.
For example, needing 6000/ month living expenses that whole family's basic necessities of life can be allowed plentiful；Monthly both sides parent can be given total with spouse
Meter alimony in 4000/ month.The standard of community endowment of for another example looking ahead with spouse is 4000/ month.Plan buying car/change trains
Pre- at last 300,000.The fund for needing the reserve fund for preparing 500,000 healthy from now on, medical as the whole family.
The demand for insurance amount for determining user by distributing amount of money answer in second determination unit 402 of the embodiment of the present application
It can be the actual ratio for intending the distribution amount of money and the distribution amount of money；Or accounting of the distribution amount of money in the quasi- distribution amount of money.Either
The actual ratio of quasi- the distribution amount of money and preset cost.
According to the embodiment of the present application, as preferred in the present embodiment, as shown in figure 9, the receiving module 30 includes：The
Three receiving units 303, the determining module 40 include：Third determination unit 403, third receiving unit 303 are described for receiving
First user puts question to the purchase intention of feedback to put question to answer according to insurance products purchase intention；Third determination unit 403 is used for root
Answer is putd question to determine that the demand for insurance of first user insures type according to the purchase intention.
Insurance products purchase intention, that is, insurance products form in the third receiving unit 303 of the embodiment of the present application, for example be
For the insurance products form of kinsfolk, or for personal insurance products form.
Determine that the demand for insurance of first user includes according to the enquirement answer：Demand for insurance in person；Spouse insures
Demand；Life insurance for children demand；Parental insurance demand.
Type is insured in the third determination unit 403 of the embodiment of the present application to be：Serious illness insurance, medical insurance, life insurance are unexpected
Danger, annuity endowment, education gold.
A kind of interactive client end, including the data interaction device are additionally provided in embodiments herein.Its
As the auxiliary tool of insurance agent/broker, insurance agent/broker can be stepped on by equipment such as computer or mobile phones
It records the interactive client end and post-processes relevant insurance business.
Obviously, those skilled in the art should be understood that each module of above-mentioned the application or each step can be with general
Computing device realize that they can be concentrated on a single computing device, or be distributed in multiple computing devices and formed
Network on, optionally, they can be realized with the program code that computing device can perform, it is thus possible to which they are stored
Be performed by computing device in the storage device, either they are fabricated to each integrated circuit modules or by they
In multiple modules or step be fabricated to single integrated circuit module to realize.In this way, the application be not limited to it is any specific
Hardware and software combines.
The foregoing is merely the preferred embodiments of the application, are not intended to limit this application, for the skill of this field
For art personnel, the application can have various modifications and variations.Within the spirit and principles of this application, any made by repair
Change, equivalent replacement, improvement etc., should be included within the protection domain of the application.
Claims (10)
1. a kind of data interactive method for insurance, which is characterized in that including：
Establish the interactive window with the first user；
Default put question to is sent to the interactive window；
First user is received according to the default enquirement answer for puing question to feedback；And
The demand for insurance of first user is determined according to the enquirement answer.
2. data interactive method according to claim 1, which is characterized in that
Receive first user includes according to the enquirement answer of the default enquirement feedback：
Receive the object content answer that first user feeds back according to goal-selling；
Determine that the demand for insurance of first user includes according to the enquirement answer：
The demand for insurance priority of first user is determined according to the object content answer.
3. data interactive method according to claim 1, which is characterized in that
Receive first user includes according to the enquirement answer of the default enquirement feedback：
Receive distribution amount of money answer of first user according to quasi- distribution amount of money problem feedback；
Determine that the demand for insurance of first user includes according to the enquirement answer：
The demand for insurance amount of first user is determined according to the distribution amount of money answer.
4. data interactive method according to claim 1, which is characterized in that
Receive first user includes according to the enquirement answer of the default enquirement feedback：
Receive first user puts question to the purchase intention of feedback to put question to answer according to insurance products purchase intention；
Determine that the demand for insurance of first user includes according to the enquirement answer：
Answer is putd question to determine that the demand for insurance of first user insures type according to the purchase intention.
5. data interactive method according to claim 1, which is characterized in that determine described first according to the enquirement answer
Further include after the demand for insurance of user：
Receive the insurance products scheme provided according to the demand for insurance of the first user；
Audit whether the insurance products scheme meets preset recommendation condition；
If auditing the insurance products scheme meets preset recommendation condition, executes insurance products scheme to the first user and push away
Recommend operation.
6. a kind of data interaction device for insurance, which is characterized in that including：
Module is established, for establishing and the interactive window of the first user；
Sending module, for sending default put question to the interactive window；
Receiving module, for receiving first user according to the default enquirement answer for puing question to feedback；And
Determining module, the demand for insurance for determining first user according to the enquirement answer.
7. data interaction device according to claim 6, which is characterized in that the receiving module includes：First receives list
Member, the determining module include：First determination unit,
First receiving unit, the object content answer fed back according to goal-selling for receiving first user；
First determination unit, the demand for insurance priority for determining first user according to the object content answer.
8. data interaction device according to claim 6, which is characterized in that the receiving module includes：Second receives list
Member, the determining module include：Second determination unit,
Second receiving unit, for receiving distribution amount of money answer of first user according to quasi- distribution amount of money problem feedback；
Second determination unit, the demand for insurance amount for determining first user according to the distribution amount of money answer.
9. data interaction device according to claim 6, which is characterized in that the receiving module includes：Third receives single
Member, the determining module include：Third determination unit,
Third receiving unit puts question to the purchase intention of feedback to carry for receiving first user according to insurance products purchase intention
Question and answer case；
Third determination unit, for puing question to answer to determine that the demand for insurance of first user insures class according to the purchase intention
Type.
10. a kind of interactive client end, which is characterized in that filled including such as claim 6 to 9 any one of them data interaction
It sets.
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