CN108765174A - Insure rebating method and device - Google Patents
Insure rebating method and device Download PDFInfo
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- CN108765174A CN108765174A CN201810532177.4A CN201810532177A CN108765174A CN 108765174 A CN108765174 A CN 108765174A CN 201810532177 A CN201810532177 A CN 201810532177A CN 108765174 A CN108765174 A CN 108765174A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/08—Insurance
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/02—Marketing; Price estimation or determination; Fundraising
- G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
- G06Q30/0213—Consumer transaction fees
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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
- G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
- G06Q30/0234—Rebates after completed purchase
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Abstract
The present invention provides a kind of insurance rebating methods, including：Receive the information of insuring of insurer's input；Information of insuring includes the personal information of the insurer；Personal information according to insurer judges whether insurer is the user that insures for the first time；When insurer is to insure user for the first time, the classification group of insuring belonging to insurer is determined；Obtain the corresponding rebating value point of classification group of insuring belonging to insurer；Rebating is carried out to insurer according to the rebating value point obtained.Insurance rebating method provided by the invention, receive insurer insure information when, personal information according to the information China National Investment & Guaranty Corp. people that insures, determine whether insurer insures for the first time, when insuring for the first time, affiliated classification group of insuring is divided to insurer, for different classification groups of insuring, according to the corresponding rebating value point of classification group of insuring, rebating is carried out to insurer, so that insurer is enjoyed when buying insurance a degree of competitively priced, promotes more people to buy insurance, promote the sales volume of insurance.
Description
Technical field
The present invention relates to banking and insurance business field, more particularly to a kind of insurance rebating method and device.
Background technology
With the development of information technology, people's lives rhythm is constantly accelerated, thereupon, the pressure of work and life
It is increasing.The guarantee of personal health is increasingly becoming the problem of people increasingly pay close attention to.Insure for family and oneself purchase portion,
As the primary selection of majority.Insured by buying, for insurer sick or when other accidents occur, insurance company can be with the
One time was that insurer carries out economic compensation, largely alleviates the economic pressures of insurer, has been provided for insurer
The economic guarantee of power.
Current insurance industry is in a variety of strategies to user's marketing insurance, with sales mode under line and on-line selling pattern
Based on, wherein sales mode under line, mainly to individual client or enterprise in a manner of procuratorial form either telemarketing
Selling insurance, insured with long time type based on.On-line selling pattern, mainly in a manner of internet, including difference quotient, website and each
The mode marketing insurance of kind broadcasting media, based on short-term or property insurance.Existing a variety of insurance sales strategies, are specifically selling
During selling, lack the rebating process to the user that insures, and then causes the sales volume of insurance not high.
Invention content
Technical problem to be solved by the invention is to provide a kind of insurance rebating method, can when user buys and insures,
Rebating is carried out to user, and then promotes the sales volume of insurance.
The present invention also provides a kind of insurance rebating devices, to ensure the realization and application of the above method in practice.
A kind of insurance rebating method, including：
Receive the information of insuring of insurer's input；The information of insuring includes the personal information of the insurer；
Personal information according to the insurer judges whether the insurer is the user that insures for the first time；
When the insurer is to insure user for the first time, the classification group of insuring belonging to the insurer is determined；
Obtain the corresponding rebating value point of classification group of insuring belonging to the insurer；
Rebating is carried out to the insurer according to the rebating value point obtained.
Above-mentioned method, optionally, the personal information according to the insurer judge the insurer whether headed by
The secondary user that insures, including：
By the user information of each user that insured stored in the personal information and presetting database of the insurer into
Row matches one by one；
When not being matched to user information corresponding with the personal information of the insurer, headed by judging the insurer
The secondary user that insures.
Above-mentioned method, optionally, the classification group of insuring belonging to the determination insurer, including：
The first information in the personal information of the insurer is extracted, the first information includes：The gender of insurer, year
Age and the insurer region；
By the first information in pre-established classification population groups it is each insure the corresponding class condition of classification group into
Row matches one by one；
The insurer is divided in the classification group of insuring of successful match.
Above-mentioned method, optionally, the pre-established process of the classification population groups includes：
Multiple users that insured are chosen as analysis sample；
According to preset clustering algorithm, in conjunction with the user information of each user that insured in the analysis sample, to described
Multiple users that insured cluster, and the multiple user that insured is divided into multiple classification groups of insuring；
Using logistic regression algorithm, each corresponding rebating value point of classification group of insuring is calculated.
Above-mentioned method further includes optionally：
When it is described insure it is artificial it is non-insure for the first time user when, obtain the historical information of having insured of the insurer；
According to the historical information of having insured, to insurer progress rebating.
Above-mentioned method, optionally, the historical information of having insured for obtaining the insurer, including：
According to the personal information of the insurer, each data in insurance data library are traversed；
Each data corresponding with the personal information of the insurer in the insurance data library are summarized, to obtain
Obtain the historical information of having insured of the insurer.
Above-mentioned method, optionally, historical information of having insured described in the foundation carries out rebating, packet to the insurer
It includes：
The accumulative reason that the cumulative vote protection amount for the insurer for including in information of having insured described in obtaining and the insurer obtain
Compensation volume；
Insured amount to the cumulative vote and described accumulative Claims Resolution volume is weighted processing, and according to weighted results, determines to institute
State the rebating value of insurer.
A kind of insurance rebating device, including：
Receiving unit, the information of insuring for receiving insurer's input；The information of insuring includes of the insurer
People's information；
Judging unit, for judging whether the insurer is use of insuring for the first time according to the personal information of the insurer
Family；
Determination unit, for when the insurer is to insure user for the first time, determining insuring point belonging to the insurer
Types of populations；
First acquisition unit, for obtaining the corresponding rebating value point of classification group of insuring belonging to the insurer；
Rebating unit, for carrying out rebating to the insurer according to the rebating value point obtained.
A kind of storage medium, the storage medium include the program of storage, wherein when described program is run described in control
Equipment where storage medium executes above-mentioned insurance rebating method.
A kind of electronic equipment, including memory and one either one of them or one of more than one program with
Upper program is stored in memory, and is configured to execute above-mentioned insurance rebating side by one or more than one processor
Method.
Compared with prior art, the present invention includes following advantages：
The present invention provides a kind of insurance rebating methods, including：Receive the information of insuring of insurer's input；The letter of insuring
Breath includes the personal information of the insurer；Personal information according to the insurer judges whether the insurer is to throw for the first time
Warranty family；When the insurer is to insure user for the first time, the classification group of insuring belonging to the insurer is determined；Described in acquisition
It insures belonging to insurer the corresponding rebating value point of classification group；The insurer is returned according to the rebating value point obtained
Profit.Insurance rebating method provided by the invention, receive insurer insure information when, insure information China National Investment & Guaranty Corp. according to described in
The personal information of people, determines whether insurer insures for the first time, and when insuring for the first time, affiliated taxon of insuring is divided to insurer
Body carries out rebating to insurer, makes for different classification groups of insuring according to the corresponding rebating value point of classification group of insuring
Insurer enjoys a degree of competitively priced buying the when insured, and promotes more people to buy insurance, promotes the sale of insurance
Amount.
Description of the drawings
To describe the technical solutions in the embodiments of the present invention more clearly, make required in being described below to embodiment
Attached drawing is briefly described, it should be apparent that, drawings in the following description are only some embodiments of the invention, for
For those of ordinary skill in the art, without having to pay creative labor, it can also be obtained according to these attached drawings
His attached drawing.
Fig. 1 is a kind of method flow diagram of insurance rebating method provided by the invention；
Fig. 2 is a kind of another method flow diagram of insurance rebating method provided by the invention；
Fig. 3 is a kind of another method flow diagram of insurance rebating method provided by the invention；
Fig. 4 is a kind of another method flow diagram of insurance rebating method provided by the invention；
Fig. 5 is an a kind of execution flow chart of insurance rebating method provided by the invention；
Fig. 6 is a kind of structural schematic diagram of insurance rebating device provided by the invention；
Fig. 7 is a kind of another structural schematic diagram of insurance rebating device provided by the invention；
Fig. 8 is the structural schematic diagram of a kind of electronic equipment provided by the invention.
Specific implementation mode
Following will be combined with the drawings in the embodiments of the present invention, and technical solution in the embodiment of the present invention carries out clear, complete
Site preparation describes, it is clear that described embodiments are only a part of the embodiments of the present invention, instead of all the embodiments.It is based on
Embodiment in the present invention, it is obtained by those of ordinary skill in the art without making creative efforts every other
Embodiment shall fall within the protection scope of the present invention.
The present invention can be used in numerous general or special purpose computing device environment or configuration.Such as：Personal computer, service
Device computer, handheld device or portable device, laptop device, multi-processor device including any of the above device or equipment
Distributed computing environment etc..
An embodiment of the present invention provides a kind of insurance rebating method, this method can be applied in insurance company's service platform
It in system server, can also apply in various terminals, the terminal can be computer, mobile Ipad or mobile phone.Its
Executive agent can be the system server of service platform, or the processor of terminal, Fig. 1 show the embodiment of the present invention
The method flow diagram of the insurance rebating method of offer, including：
S101：Receive the information of insuring of insurer's input；The information of insuring includes the personal information of the insurer；
In method provided in an embodiment of the present invention, insurer will insure when selecting the type of insurance that oneself needs is bought
In information input to system server, the information of insuring may include the personal information of insurer, and the personal information can be with
The information such as ID card No., name, gender and telephone number including insurer；Can also include throwing in the information of insuring
The information such as the insurance kind of the bought insurance of guarantor, and the premium of purchase insurance.System server receives the letter of insuring of insurer's input
Breath.Insurer can input information of insuring by service platform or the display screen of terminal.
S102：Personal information according to the insurer judges whether the insurer is the user that insures for the first time；
In method provided in an embodiment of the present invention, server is after the information of insuring for receiving insurer's input, according to throwing
The personal information of the insurer protected in information determines whether the insurer of current purchase insurance is the user that insures for the first time, i.e. insurer
Whether first purchase is insured.
S103：When the insurer is to insure user for the first time, the classification group of insuring belonging to the insurer is determined；
In method provided in an embodiment of the present invention, insurer is when insuring user for the first time, to determine which kind of insurer belongs to
It insures classification group, in the embodiment of the present invention, has according to the personal information of insurer and purchase insurance kind information division to insurer
Multiple and different classification groups of insuring.
S104：Obtain the corresponding rebating value point of classification group of insuring belonging to the insurer；
In method provided in an embodiment of the present invention, different classification groups of insuring corresponds to different rebating value points.Determination is worked as
The corresponding rebating value point of classification group of insuring belonging to preceding insurer.
S105：Rebating is carried out to the insurer according to the rebating value point obtained.
In the embodiment of the present invention, according to the corresponding rebating value point of classification group of insuring belonging to current insurer, to insuring
People carries out rebating.
Insurance rebating method provided in an embodiment of the present invention, receive insurer insure information when, according to the throwing
The personal information for protecting information people from China National Investment & Guaranty Corp., determines whether insurer insures for the first time, when insuring for the first time, belonging to insurer's division
Classification group of insuring, for different classification groups of insuring, according to the corresponding rebating value point of classification group of insuring, to insurer
Rebating is carried out, so that insurer is enjoyed when buying insurance a degree of competitively priced, more people is promoted to buy insurance, promoted
The sales volume of insurance.
In method provided in an embodiment of the present invention, data analysis is carried out to the multiple users to have insured in advance, is divided
Multiple and different classification groups of insuring, for the user currently to insure for the first time, the personal information according to the user that insures for the first time carries out
Analysis divides, and determines the classification group of insuring insured for the first time belonging to user, and group is corresponding returns according to classification of insuring belonging to it
Profit value point, to insuring for the first time, user carries out rebating.Certain preferential, purchase of the promotion to insurance is given to the user that insures from price
It buys, promotes insurance sales amount.
It with reference to figure 2, shows in the embodiment of the present invention, the personal information according to the insurer judges that the insurer is
The no detailed process for the user that insures for the first time, including：
S201：The user of each user that insured stored in the personal information and presetting database of the insurer is believed
Breath is matched one by one；
In method provided in an embodiment of the present invention, for the user insure, by its personal information storage pre-
If database in, establish corresponding mapping relations in the preset database.For example, the user for having bought insurance,
It is stored in the name of user and phone number are corresponding in the database of insurance service platform, for current insurer, obtains
Take insurer input personal information in name and phone number, according to the name and phone number, in the database into
Row matches one by one, and with determination, whether the current insurer is the user that insures for the first time.
S202：When not being matched to user information corresponding with the personal information of the insurer, insure described in judgement
The artificial user that insures for the first time.
In method provided by the invention, match with the personal information of current insurer when not being matched in the database
When user information, determine that the insurer is the user that insures for the first time.
In the embodiment of the present invention, corresponding mapping relations are established in the database, it can be with the name+hand for the user that insured
The form of machine number, or the form of name+gender+phone number, specific form are not specifically limited.It is corresponding
, the information such as name, phone number, the gender in current insurer's personal information are obtained, are matched one by one in the database.
It with reference to figure 3, shows in the embodiment of the present invention, the tool of the classification group of insuring belonging to the determination insurer
Body process, including：
S301：The first information in the personal information of the insurer is extracted, the first information includes：The property of insurer
Not, age and the insurer region；
It, can the gender comprising insurer, age, family in the personal information of current insurer in the embodiment of the present invention
Address and the territorial scope where insurer.
In the embodiment of the present invention, using the gender of insurer, age and insurer region as the first information, worked as with determination
The preceding insurer belong to which kind of insure classification group.
S302：By first information classification item corresponding with each classification group of insuring in pre-established classification population groups
Part is matched one by one；
In the embodiment of the present invention, pre-established classification population groups mark off multiple insure point in affiliated classification population groups
Types of populations, each classification group of insuring have the class condition of oneself.In the embodiment of the present invention, the first letter according to extraction
Breath, one by one with each insure classification group class condition carry out matching verification, with the throwing belonging to the current insurer of determination
Protect classification group.
S303：The insurer is divided in the classification group of insuring of successful match.
In method provided in an embodiment of the present invention, the classification group of insuring belonging to each insurer is determined, and insure point
Then the corresponding rebating value point of types of populations carries out rebating according to the rebating value point determined to insurer.Calculating process is faster.
It with reference to figure 4, shows in method provided in an embodiment of the present invention, the pre-established process of the classification population groups, packet
It includes：
S401：Multiple users that insured are chosen as analysis sample；
S402：It is right in conjunction with the user information of each user that insured in the analysis sample according to preset clustering algorithm
The multiple user that insured clusters, and the multiple user that insured is divided into multiple classification groups of insuring；
S403：Using logistic regression algorithm, each corresponding rebating value point of classification group of insuring is calculated.
In method provided in an embodiment of the present invention, the side of sample training may be used in the pre-established process for population groups of classifying
Formula chooses multiple users that insured as analysis sample first in the user to have insured.Then it can utilize
WAVE-CLUSTER algorithms cluster the user that insured, and multiple users that insured are divided into multiple classification groups of insuring.
Then the estimation Claims Resolution volume that client in each classification is calculated using logistic regression algorithm, to determine each taxon of insuring
The corresponding rebating value point of body.
In specific cluster process, insures classification group for each clustered out, determine and each insure taxon
The main feature of client in body, such as age range, the information such as gender.
In the present invention, multiple and different classification groups of insuring can be divided using age range as specific features.Specific
During realization, such as the user that insures in 10 years old to 20 years old section, because its age is small, the premium delivered accordingly is few, but
Be the section China National Investment & Guaranty Corp. user disease probability also very little, therefore higher rebating value point can be set.
And for the user that insures in 50 years old to 60 years old section, because its overall age is higher, the premium of delivery is more, raw
The probability of disease is big, therefore can set relatively reasonable rebating value point.Such as the user that insures in 10 years old to 20 years old section returns
Profit point is 10 percentage points, then the user that insures in 50 years old to 60 years old section can be 5 percentage points.Specific setting can basis
Big data during practical Claims Resolution carries out analysis acquisition.
In insurance rebating method provided in an embodiment of the present invention, further include：
When it is described insure it is artificial it is non-insure for the first time user when, obtain the historical information of having insured of the insurer；
According to the historical information of having insured, to insurer progress rebating.
In the embodiment of the present invention, for the non-insurer to insure for the first time, can according to the Claims Resolution information before user, or
It insures information, assesses corresponding rebating value point.Rebating is carried out to the user to insure again.
In insurance rebating method provided in an embodiment of the present invention, the historical information of having insured for obtaining the insurer
Detailed process, including：
According to the personal information of the insurer, each data in insurance data library are traversed；
Each data corresponding with the personal information of the insurer in the insurance data library are summarized, to obtain
Obtain the historical information of having insured of the insurer.
In method provided in an embodiment of the present invention, for the user to have insured, the information storage of insuring of user is existed
In insurance data library, in method provided by the invention, insure described in the determination it is artificial it is non-insure for the first time user when, according to the throwing
The personal information of guarantor's input, carries out traversal lookup, when finding the individual with the insurer in the insurance data library
When the corresponding insurance data of information, the insurance data is obtained, the insurance data is the history number of having insured of the insurer
According to.
In method provided in an embodiment of the present invention, when obtaining multiple corresponding with the personal information of the insurer insure
When data, the multiple insurance data is carried out to summarize arrangement, using the data for summarizing arrangement having insured as the insurer
Historical information.
In method provided in an embodiment of the present invention, historical information of having insured described in the foundation carries out the insurer
The detailed process of rebating, including：
The accumulative reason that the cumulative vote protection amount for the insurer for including in information of having insured described in obtaining and the insurer obtain
Compensation volume；
Insured amount to the cumulative vote and described accumulative Claims Resolution volume is weighted processing, and according to weighted results, determines to institute
State the rebating value of insurer.
In method provided in an embodiment of the present invention, for the non-user to insure for the first time, the letter of having insured of the insurer of acquisition
Cumulative vote protection amount comprising insurer and accumulative Claims Resolution volume in breath, in method provided in an embodiment of the present invention, tire out insurer
It counts volume of insuring and accumulative Claims Resolution volume is weighted processing, finally to determine the rebating value to insurer.For example, for use of having insured
Family not yet carried out the user of Claims Resolution, and can give higher rebating value, for the user that insured, and carry out larger amount
The user of Claims Resolution can give lower rebating value.For the user that insured, and the user of certain amount Claims Resolution is carried out, it can
With according to the opposite accounting between cumulative vote protection amount degree and accumulative Claims Resolution amount, by calculation processing, with the rational rebating of determination
Value.
The insurance rebating method provided in the embodiment of the present invention, the use insured for the first time for the user and non-to insure for the first time
Family is all made of corresponding rebating mode and carries out rebating to it, and the user that makes to insure enjoys competitively priced.
With reference to figure 5, a specific implementation flow of insurance rebating method provided in an embodiment of the present invention, Yong Huxuan are shown
It selects purchase and is suitble to the type of insurance of oneself, insurance company is in underwriting procedures, and according to the personal information of current insurer, determination is worked as
Preceding insurer is insured for the first time and right and wrong are insured for the first time, and corresponding rebating mode is then selected to return the user that currently insures
Profit.
On the basis of Fig. 5, in method provided in an embodiment of the present invention, a specific example is provided, the above method is said
Bright, the present embodiment only illustrates, and does not represent practical operation, specific as follows：
If an insurance usually sells 100 yuan, in fact 80 yuan of insurance company, 20 yuan of agent, client pays 100 yuan,
By rebating mechanism, insurance company, agent respectively take 5%-10% to return client, as corresponding feedback.As a result, insurance company
72-76 members, agent's 18-19 members, client can take the feedback of 5-10 members.So one, insurance company is not losing very much
More clients and profit can be obtained while premium, agent's income is also not apparent from reduction, while obtaining more users,
More incomes can be obtained, in user terminal, client can obtain part rebating while obtaining guarantee, provide insurance purchase
User experience, be it is a kind of three win insurance sales strategies.
Rebating mechanism scheme is broadly divided into new client and frequent customer, in client's fill message, by matching intra-company
Customer information (customer information carries out classification and cluster using WAVE-CLUSTER algorithms), if successful match, according to
Client's classification carries out corresponding rebating, if it fails to match, the information matches such as corresponding age, gender for being filled according to client are similar
Client carries out rebating.
Corresponding with the method described in Fig. 1, the embodiment of the present invention additionally provides a kind of insurance rebating device, for figure
The specific implementation of method in 1, insurance rebating device provided in an embodiment of the present invention can be applied in insurance company's service platform
It in system server, can also apply in the server of terminal, structural schematic diagram is as shown in fig. 6, specifically include：
Receiving unit 501, the information of insuring for receiving insurer's input；The information of insuring includes the insurer
Personal information；
Judging unit 502, for judging whether the insurer is to insure for the first time according to the personal information of the insurer
User；
Determination unit 503, for when the insurer is to insure user for the first time, determining insuring belonging to the insurer
Classification group；
First acquisition unit 504, for obtaining the corresponding rebating value point of classification group of insuring belonging to the insurer；
Rebating unit 505, for carrying out rebating to the insurer according to the rebating value point obtained.
Insurance rebating device provided in an embodiment of the present invention, receive insurer insure information when, according to the throwing
The personal information for protecting information people from China National Investment & Guaranty Corp., determines whether insurer insures for the first time, when insuring for the first time, belonging to insurer's division
Classification group of insuring, for different classification groups of insuring, according to the corresponding rebating value point of classification group of insuring, to insurer
Rebating is carried out, so that insurer is enjoyed when buying insurance a degree of competitively priced, more people is promoted to buy insurance, promoted
The sales volume of insurance.
With reference to figure 7, a detailed construction schematic diagram of insurance rebating device provided in an embodiment of the present invention is shown, it is described to sentence
Disconnected unit 502 includes：
Coupling subelement 506 each has been thrown for what is stored in the personal information and presetting database by the insurer
The user information at warranty family is matched one by one；
Judge subelement 507, for when not being matched to user information corresponding with the personal information of the insurer,
Judge that the insurer is the user that insures for the first time.
In insurance rebating device provided in an embodiment of the present invention, further include：
Second acquisition unit 508, for when it is described insure it is artificial it is non-insure for the first time user when, obtained the insurer
It insures historical information.
The embodiment of the present invention additionally provides a kind of storage medium, and the storage medium includes the program of storage, wherein in institute
It states the equipment where controlling the storage medium when program operation and executes above-mentioned insurance rebating method, the method specifically includes：
Receive the information of insuring of insurer's input；The information of insuring includes the personal information of the insurer；
Personal information according to the insurer judges whether the insurer is the user that insures for the first time；
When the insurer is to insure user for the first time, the classification group of insuring belonging to the insurer is determined；
Obtain the corresponding rebating value point of classification group of insuring belonging to the insurer；
Rebating is carried out to the insurer according to the rebating value point obtained.
Above-mentioned method, optionally, the personal information according to the insurer judge the insurer whether headed by
The secondary user that insures, including：
By the user information of each user that insured stored in the personal information and presetting database of the insurer into
Row matches one by one；
When not being matched to user information corresponding with the personal information of the insurer, headed by judging the insurer
The secondary user that insures.
Above-mentioned method, optionally, the classification group of insuring belonging to the determination insurer, including：
The first information in the personal information of the insurer is extracted, the first information includes：The gender of insurer, year
Age and the insurer region；
By the first information in pre-established classification population groups it is each insure the corresponding class condition of classification group into
Row matches one by one；
The insurer is divided in the classification group of insuring of successful match.
Above-mentioned method, optionally, the pre-established process of the classification population groups includes：
Multiple users that insured are chosen as analysis sample；
According to preset clustering algorithm, in conjunction with the user information of each user that insured in the analysis sample, to described
Multiple users that insured cluster, and the multiple user that insured is divided into multiple classification groups of insuring；
Using logistic regression algorithm, each corresponding rebating value point of classification group of insuring is calculated.
Above-mentioned method further includes optionally：
When it is described insure it is artificial it is non-insure for the first time user when, obtain the historical information of having insured of the insurer；
According to the historical information of having insured, to insurer progress rebating.
Above-mentioned method, optionally, the historical information of having insured for obtaining the insurer, including：
According to the personal information of the insurer, each data in insurance data library are traversed；
Each data corresponding with the personal information of the insurer in the insurance data library are summarized, to obtain
Obtain the historical information of having insured of the insurer.
Above-mentioned method, optionally, historical information of having insured described in the foundation carries out rebating, packet to the insurer
It includes：
The accumulative reason that the cumulative vote protection amount for the insurer for including in information of having insured described in obtaining and the insurer obtain
Compensation volume；
Insured amount to the cumulative vote and described accumulative Claims Resolution volume is weighted processing, and according to weighted results, determines to institute
State the rebating value of insurer.
The embodiment of the present invention additionally provides a kind of electronic equipment, and structural schematic diagram is as shown in figure 8, specifically include memory
601 and one either more than one program 602 one of them or more than one program 602 be stored in memory 601
In, and be configured to by one or more than one processor 603 execute the one or more programs 602 include use
In the instruction for carrying out following operation：
Receive the information of insuring of insurer's input；The information of insuring includes the personal information of the insurer；
Personal information according to the insurer judges whether the insurer is the user that insures for the first time；
When the insurer is to insure user for the first time, the classification group of insuring belonging to the insurer is determined；
Obtain the corresponding rebating value point of classification group of insuring belonging to the insurer；
Rebating is carried out to the insurer according to the rebating value point obtained.
It should be noted that each embodiment in this specification is described in a progressive manner, each embodiment weight
Point explanation is all difference from other examples, and the same or similar parts between the embodiments can be referred to each other.
For device class embodiment, since it is basically similar to the method embodiment, so fairly simple, the related place ginseng of description
See the part explanation of embodiment of the method.
Finally, it is to be noted that, herein, relational terms such as first and second and the like be used merely to by
One entity or operation are distinguished with another entity or operation, without necessarily requiring or implying these entities or operation
Between there are any actual relationship or orders.Moreover, the terms "include", "comprise" or its any other variant meaning
Covering non-exclusive inclusion, so that the process, method, article or equipment including a series of elements includes not only that
A little elements, but also include other elements that are not explicitly listed, or further include for this process, method, article or
The intrinsic element of equipment.In the absence of more restrictions, the element limited by sentence "including a ...", is not arranged
Except there is also other identical elements in the process, method, article or apparatus that includes the element.
For convenience of description, it is divided into various units when description apparatus above with function to describe respectively.Certainly, implementing this
The function of each unit is realized can in the same or multiple software and or hardware when invention.
As seen through the above description of the embodiments, those skilled in the art can be understood that the present invention can
It is realized by the mode of software plus required general hardware platform.Based on this understanding, technical scheme of the present invention essence
On in other words the part that contributes to existing technology can be expressed in the form of software products, the computer software product
It can be stored in a storage medium, such as ROM/RAM, magnetic disc, CD, including some instructions are used so that a computer equipment
(can be personal computer, server either network equipment etc.) executes the certain of each embodiment of the present invention or embodiment
Method described in part.
A kind of insurance rebating method and device provided by the present invention is described in detail above, it is used herein
Principle and implementation of the present invention are described for specific case, and the explanation of above example is only intended to help to understand this
The method and its core concept of invention；Meanwhile for those of ordinary skill in the art, according to the thought of the present invention, specific
There will be changes in embodiment and application range, in conclusion the content of the present specification should not be construed as to the present invention's
Limitation.
Claims (10)
1. a kind of insurance rebating method, which is characterized in that including：
Receive the information of insuring of insurer's input；The information of insuring includes the personal information of the insurer；
Personal information according to the insurer judges whether the insurer is the user that insures for the first time；
When the insurer is to insure user for the first time, the classification group of insuring belonging to the insurer is determined；
Obtain the corresponding rebating value point of classification group of insuring belonging to the insurer；
Rebating is carried out to the insurer according to the rebating value point obtained.
2. according to the method described in claim 1, it is characterized in that, described in the personal information judgement according to the insurer
Whether insurer is the user that insures for the first time, including：
By the user information of each user that insured stored in the personal information and presetting database of the insurer carry out by
One matching；
When not being matched to user information corresponding with the personal information of the insurer, judge that the insurer is to throw for the first time
Warranty family.
3. according to the method described in claim 1, it is characterized in that, taxon of insuring belonging to the determination insurer
Body, including：
The first information in the personal information of the insurer is extracted, the first information includes：The gender of insurer, the age and
The insurer region；
By the first information and each corresponding class condition of classification group of insuring in pre-established classification population groups carry out by
One matching；
The insurer is divided in the classification group of insuring of successful match.
4. according to the method described in claim 3, it is characterized in that, the pre-established process of the classification population groups includes：
Multiple users that insured are chosen as analysis sample；
According to preset clustering algorithm, in conjunction with the user information of each user that insured in the analysis sample, to the multiple
The user that insured clusters, and the multiple user that insured is divided into multiple classification groups of insuring；
Using logistic regression algorithm, each corresponding rebating value point of classification group of insuring is calculated.
5. according to the method described in claim 1, it is characterized in that, further including：
When it is described insure it is artificial it is non-insure for the first time user when, obtain the historical information of having insured of the insurer；
According to the historical information of having insured, to insurer progress rebating.
6. according to the method described in claim 5, it is characterized in that, the historical information of having insured for obtaining the insurer,
Including：
According to the personal information of the insurer, each data in insurance data library are traversed；
Each data corresponding with the personal information of the insurer in the insurance data library are summarized, to obtain
State the historical information of having insured of insurer.
7. according to the method described in claim 6, it is characterized in that, historical information of having insured described in the foundation, to the throwing
Guarantor carries out rebating, including：
The accumulative Claims Resolution volume that the cumulative vote protection amount for the insurer for including in information of having insured described in obtaining and the insurer obtain；
Insured amount to the cumulative vote and described accumulative Claims Resolution volume is weighted processing, and according to weighted results, determines to the throwing
The rebating value of guarantor.
8. a kind of insurance rebating device, which is characterized in that including：
Receiving unit, the information of insuring for receiving insurer's input；The information of insuring includes the personal letter of the insurer
Breath；
Judging unit, for judging whether the insurer is the user that insures for the first time according to the personal information of the insurer；
Determination unit, for when the insurer is to insure user for the first time, determining the taxon of insuring belonging to the insurer
Body；
First acquisition unit, for obtaining the corresponding rebating value point of classification group of insuring belonging to the insurer；
Rebating unit, for carrying out rebating to the insurer according to the rebating value point obtained.
9. a kind of storage medium, which is characterized in that the storage medium includes the program of storage, wherein run in described program
When control the equipment where the storage medium and execute insurance rebating method as described in claim 1~7 any one.
10. a kind of electronic equipment, which is characterized in that including memory and one or more than one program, one of them
Either more than one program is stored in memory and is configured to be executed as right is wanted by one or more than one processor
Seek the insurance rebating method described in 1~7 any one.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810532177.4A CN108765174A (en) | 2018-05-29 | 2018-05-29 | Insure rebating method and device |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810532177.4A CN108765174A (en) | 2018-05-29 | 2018-05-29 | Insure rebating method and device |
Publications (1)
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| CN108765174A true CN108765174A (en) | 2018-11-06 |
Family
ID=64003664
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN109685543A (en) * | 2018-11-07 | 2019-04-26 | 中国平安财产保险股份有限公司 | Method, apparatus and computer equipment based on machine learning definite policy present |
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| CN107220831A (en) * | 2017-04-06 | 2017-09-29 | 广东顺德中山大学卡内基梅隆大学国际联合研究院 | A kind of user group's division methods and system based on anti-fake traceability system |
| CN107292695A (en) * | 2017-04-19 | 2017-10-24 | 山东农业大学 | A kind of Collaborative Filtering Recommendation Algorithm based on SRV functions |
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