CN108876631A - A kind of internet insurance system and method - Google Patents

Abstract

The present invention relates to a kind of computer-implemented internet insurance methods, including：The insurance risk of user is determined according to the demand for insurance of user using one or more processors；Using one or more communication interfaces by communication network indicate to user show the insurance risk based on user one or more insurance problems；And inputted in response to using one or more communication interfaces to receive one or more users for insurance problem by communication network, the demand for insurance and/or insurance risk of user are updated using one or more processors.

Description

A kind of internet insurance system and method

Technical field

The present invention relates to a kind of financial technology field, particularly a kind of internet insurance system and method.

Background technique

With the maturation of Internet technology, internet insurance is rapidly developed.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.

Summary of the invention

For the technical problems in the prior art, the invention proposes a kind of computer-implemented internet insurers Method, including：The insurance risk of user is determined according to the demand for insurance of user using one or more processors；Use one or more A communication interface indicates one or more insurance problems that the insurance risk based on user is shown to user by communication network；With And in response to using one or more communication interfaces to receive one or more users for being directed to insurance problem by communication network Input updates the demand for insurance and/or insurance risk of user using one or more processors.

Method as described above further comprises defeated by communication network reception user using one or more communication interfaces The primary condition entered uses the demand for insurance of one or more processors estimation user.

Method as described above, further comprise using one or more processors according to user's demand for insurance of update and Insurance risk determines the insurance cover of user.

Method as described above further comprises according to the insurance cover of user using one or more processors to user Recommend one or more insurance products.

Method as described above, wherein update user's demand for insurance includes increasing or removing one or more users' insurances to need It asks；Or refine one or more user's demand for insurance.

Method as described above, wherein updating user's insurance risk includes removing one or more insurance risks.

Method as described above, wherein determine user insurance risk include according to the demand of user with potential insurance risk Corresponding relationship determine the potential insurance risk of user.

Method as described above, wherein updating user's insurance risk includes being converted to one or more potential insurance risks Practical insurance risk.

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

Method as described above further comprises being indicated by communication network to user using one or more communication interfaces Show the relevant one or more problems of one or more insurance risks corresponding to increased other demand for insurance.

According to another aspect of the present invention, a kind of computer-implemented internet insurance method is proposed, including：Use one A or multiple communication interfaces send the demand for insurance of user by communication network；Pass through communication using one or more communication interfaces Network receives the instruction of one or more insurance problems of the insurance risk of the user determined based on the demand for insurance of user；It uses Display shows one or more insurance problems to user；One is sent by communication network using one or more communication interfaces Or multiple users for insurance problem input；And update is received by communication network using one or more communication interfaces The demand for insurance and/or insurance risk of user.

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 being received by communication network according to more using one or more communication interfaces The insurance cover for the user that new user's demand for insurance and insurance risk determine.

Method as described above, further comprise using one or more communication interfaces by communication network receive according to The instruction of one or more insurance products is recommended in the insurance cover at family to user.

Method as described above, wherein update user's demand for insurance includes increasing or removing one or more users' insurances to need It asks；Or refine one or more user's demand for insurance.

Method as described above, wherein updating user's insurance risk includes removing one or more insurance risks.

Method as described above, wherein determine user insurance risk include according to the demand of user with potential insurance risk Corresponding relationship determine the potential insurance risk of user.

Method as described above, wherein updating user's insurance risk includes being converted to one or more potential insurance risks Practical insurance risk.

Method as described above, further comprise received using one or more communication interfaces by communication network it is 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 is corresponding.

Method as described above, further comprise using one or more communication interfaces by communication network receive increase or It reduces insurance problem or changes the instruction of the sequence of insurance problem.

According to another aspect of the present invention, a kind of internet insurance 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：The corresponding insurance risk of demand for insurance of user is determined according to the demand for insurance of user；Root According to the insurance risk of user, indicate to show one or more insurance problems to user；And in response to receiving one or more For user's input of insurance problem, the demand for insurance and/or insurance risk of user are updated.

System as described above, the primary condition that wherein one or more processors are further inputted to receive user, Estimate the demand for insurance of user.

System as described above, wherein one or more processors further to according to user's demand for insurance of update and Insurance risk determines the insurance cover of user.

System as described above, wherein one or more processors further to according to the insurance cover of user to user Recommend one or more insurance products.

System as described above, wherein updating user's demand for insurance includes increasing or removing one or more user's insurances； Or refine one or more user's insurances.

System as described above, wherein updating user's insurance risk includes removing one or more insurance risks.

System as described above, wherein updating user's insurance risk includes being converted to one or more potential insurance risks Practical insurance risk.

System as described above, wherein one or more processors are further in response to one or more potential insurances Risk is converted to practical insurance risk, increases the corresponding demand for insurance of the practical insurance risk.

System as described above, wherein one or more processors further to according to increased demand for insurance indicate to User shows the relevant one or more problems of one or more insurance risks corresponding to increased demand for insurance.

System as described above, wherein one or more processors are one or more for guarantor further in response to receiving The user of dangerous problem inputs, and instruction increases or decreases insurance problem or changes the sequence of insurance problem.

Detailed description of the invention

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 is the interface schematic diagram 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 of insurance products recommended method according to an embodiment of the invention；

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

Specific embodiment

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 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 to illustrate the application as the application a part may refer to Each Figure of description.In the accompanying drawings, similar appended drawing reference describes substantially similar component in different drawings.This Shen Each specific embodiment please has carried out description detailed enough following, so that having 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 can also be using other embodiments or to the application Embodiment carry out structure, logic or electrical property 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, determine each product 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 corresponding relationship 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 architecture.As shown, being when user uses existing internet insurance system System can ask the classification of user's selection insurance products that selection hope is bought in coverage.These classifications include but is not limited to： Weight disease insurance, 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, judges the ownership crowd of user according to these conditions, 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 easy to appear " 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 user can be recommended a children's education insurance product of purchase according to existing internet insurance system.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 itself risk 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 manage by the insurance of core of user It reads, is complained namely natural situation.

Aiming at the problem that existing internet insurance system, system is insured with the internet based on client the invention proposes a kind of System, is essentially different with traditional by the internet insurance system of core of product.It is described in detail below of the invention 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 any multistage network for covering administrative area, country, continent or combinations thereof.Communication network shows Example can include：Cellular network, such as 3G network, 4G network, long term evolution (LTE) network；Acoustic communication network；Satellite network Network；Wide area network, such as internet；Or their combination.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 their combination.

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 cloudGoogle AppOr their combination) webpage and/or mobile application as Host Administration (host).For example, parking management system System 300 can be included in one or more application server 304, web page server 306 or their combination as Host Administration Virtual machine on the webpage and/or mobile application that run.In a kind of modification, calculating cloud can include one or more application It is server 304, web page server 306, database 312, servo load balance device 308, cloud load balancer 310, therein Part or their combination.

Cloud load balancer 310 can provide traffic load balancing and distribution client between multiple web page servers 306 Request.Web page server 306 can include HTTP server or rely on calculating cloud to handle HTTP request.Web page server 306 can also be instantiated and be 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 is capable of handling using logic and interacts with database 312 with storing data and application state. Web page server 306, application server 304 or their combination can include rack-mount server, cluster server, blade clothes Business device, host, dedicated desktop computer or laptop or their combination.

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 database.

Client device 302 can include portable computing device, such as smart phone, tablet computer, laptop, Smartwatch, personal entertainment device or their combination.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 their combination in Fig. 3 Kind.

Processor 402 can include one or more central processing unit (CPU), graphics processing unit (GPU), dedicated collection At circuit (ASIC), field programmable gate array (FPGA) or their combination.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 their combination.For example, processor 402 can be 64 bit processors.

Memory 404 can store software, data, log or their combination.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 Nonvolatile RAM (NVRAM), flash memory, magnetic disk storage nonvolatile memory, 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 modem.In other modifications, communication interface 406 can be 3G tune Modulator-demodulator, 4G modem, LTE modem, bluetooth module, radio frequency receiver, antenna or their combination.Service Device 400 is able to use communication interface 406 and is connected to communication network or with communication couples.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 their combination.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 their combination.As a specific example, at client Managing device 512 can be 32 bit processors, such asProcessor.

Client memory 514 can store software, data, log or their combination.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 As NVRAM, flash memory, magnetic disk storage nonvolatile memory, or the volatile memory of 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 modem.In other modifications, client is logical Believe that unit 516 can be 3G modem, 4G modem, LTE modem, bluetooth module, radio frequency receiver, day Line or their combination.Client device is able to use client communication unit 516 and is connected to communication network or and communication network Network is communicatively coupled.Client device 500 is able to use the transmission of client communication unit 516 or receives 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 their combination.For example, working as client device 500 when being smart phone, and display 518 can be the touch-screen display of smart phone.

Client device 500 is interacted by the graphic user interface (GUI) that display 518 is shown with user.GUI can be to User shows content, button, text box or the link that user's input can be applied on GUI by 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 function, 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 is not limited to run on IOS system, android system, Window The APP of system or other systems, webpage (Web) end, wechat client or wechat small routine are embedded in other third-party application journeys Independence or the program of dependent of sequence etc..Client 601 provides a user graphical interaction interface (GUI), obtains information from user, And content and result are shown 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, Its basic document for being used to save user, such as gender, age, family structure, the income of user etc. determine one of information Or more persons.The example of another word bank is user preference library 614, is used to save 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 to store 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 for system of the invention to a certain extent 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 It is all optional for internet insurance system of the invention.User library 608 may include one or more as above or it His word bank more precisely understands user demand, assesses consumer's risk, determines user's to be conducive to calculating core 606 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, be also possible to 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 internet insurance system are the attribute of 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 guarantee responsibility (such as the guarantee diseases range of serious illness insurance, kinds of Diseases and it is corresponding ensure amount, with One or more of and the morbidity statistics data etc. that use of actuarial).Internet insurance system addition attribute 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, to ensure the sub- attribute 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 it is one or more from 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 company 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 calculated result.

In some embodiments, calculating core 606 includes artificial regulation engine 632, data intelligence engine 634, Yi Jizhi 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 corresponding relationship 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 or 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 Historical data analysis as a result, 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 the interactive operations such as retrieval, access, addition and deletion including data and incidence relation are founded, update and are removed. 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 Fig. 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 Asking can also include one or more second level demands for being subordinated to the level-one demand, or more careful three-level demand, with this Analogize.

Risk 704 represents the insurance risk of user.Insurance risk is corresponding with demand for insurance.One demand for insurance corresponding 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 demand for insurance insurance risk that correspondence is different excludes duplicate It may.In the above example, insurance wind endowment deposit family corresponding with the demand of children's education expense pillar die 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 using product as the Insurance Model of core.For the Insurance Model of the invention based on user, need It is obvious for asking 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 where net insurance.

In some embodiments, insurance risk 704 includes potential risk and practical risk.Practical risk is potential risk Subset.The corresponding relationship of demand for insurance and potential risk be set it is rear it is constant (certainly, modify Insurance Model when can also be with people For modification).However, the corresponding relationship of demand for insurance and practical risk may have according to the case where user and/or subscriber household Institute is different.For example, taking in the potential risk to fall sharply after the corresponding retirement of the demand of endowment deposit.At that time, if enterprise where user Had purchased a considerable amount of annuities already, 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 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 that can get of agreement etc..

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 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 greater 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 comprehensively considers One of the above or many factors determine.

With reference to Fig. 7, in the Insurance Model 700 based on user, according to the primary condition that user inputs, it can estimate user's Demand 702.Demand 702 based on estimation, the according to demand corresponding relationship between 702 and risk 704, available risk 704. Next, in the form of such as questionnaire and user interaction.The information of user and subscriber household in response to user's input, 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 of the invention based on user In type, either user demand, consumer's risk or user ensure will be insured using user and subscriber household as core Theory and ensure 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 Insurance Model 700 of the invention.User completely may be used To use Insurance Model 700 of the 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, which can choose, voluntarily buys corresponding insurance products.

With reference to the example of Fig. 7, the demand 702 of estimation is demand 1 and demand 2.Demand 1 and the corresponding risk 704 of demand 2 are divided It Wei (risk 1 and risk 2) and (risk 3 and risk 4).After being interacted with user, finds risk 1 and risk 2 is 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, corresponding 3 (not shown) of demand of risk 5 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 of the invention based on user, 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 implementation of the Insurance Model based on user of Fig. 7.Certainly, other frameworks realize the Insurance Model of the invention based on user And those skilled in the art can be realized according to existing technological know-how, still within the scope of the invention.

With reference to Fig. 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 the content of user interface 820.User is needed by the insurance that middle layer understands oneself and/or family It asks, insurance risk, one or more of insurance cover and the insurance products of recommendation.Innermost layer is variable 810.810 generation of variable Table user's input 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 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 wish individually lived etc..

In some embodiments of the invention, variable can be directly inputted on the GUI of customer equipment by user；It can also be with It is selected or input in the Questionnaire systems in GUI user interface system by user.In addition to being that user obtains in directly interacting Other than the content of variable, it can also cooperate to obtain by other channels or with third company about user and/or user family 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 the variable as primary condition according to scheduled rule or algorithm The demand 802 of user.It is of course also possible to some common demand conducts of manual specification not based on the variable as primary condition 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, the information of the variable is obtained 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 second 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 It 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 with interacting for variable 810 is realized by risk 804.For example, it needs Seek 802 corresponding 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 be deleted.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, so that new demand and its risk point is assessed.Therefore, between variable and risk interact it 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 determines, According to scheduled rule and algorithm, retrieves insurance products and insurance products are ranked up.It is pushed away according to the result of sequence to user 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 Including in server end also may include in client.For example, for APP application, 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 corresponding from server end downloading 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 Fig. 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 is 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, It but 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 where 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 graphically integrating 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 be also possible to continuous split screen or not split screen interface.

Graphically demand analysis interface is integrated 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 shown similarly within the scope of the invention with non-patterned.In some embodiments, integrating demand analysis interface includes The text of each demand for insurance and/or graphical explanation.In some instances, text 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 text 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, for some guarantor Dangerous demand can choose the detailed description listed for the demand for insurance.Further, it can choose and list the demand for insurance institute Corresponding potential risk.If the customer acceptance demand for insurance, can click is needed on user requirements analysis interface for the insurance The button asked or link are analyzed hence into subsequent 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, 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 shown is each kinsfolk Demand for insurance analysis and entire family demand for insurance as a whole is analyzed.In some embodiments, kinsfolk point It analyses interface and family's global analysis interface is optional.

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.It 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 Answering adjustment problem and/or sequence is that the Insurance Model of the invention based on user is determined.But in the feelings for not considering content Under condition, for the realization of Questionnaire systems 906, existing Questionnaire systems can be applied to user of the 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, the updated demand interface including insurance risk can be used to show simultaneously to user and need 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, the family more for 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 will 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 based on base of the invention in interface 908 The assessment result of user situation is directed in the Insurance Model of user.

Guarantee plan interface 910 is used to show insurance cover.Specifically, being directed to each guarantee type, interface is being ensured 910 show the protection amount suggested respectively.In some embodiments, it can show and buy to user simultaneously at guarantee interface 910 Insurance products protection amount, and/or, it is proposed that protection amount and the insurance products bought protection amount between difference.Some In embodiment, in the priority for guaranteeing that interface 910 shows different guarantee types.Show priority mode include but is 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 illustrating for each guarantee for ensureing type.For example, working as user When clicking some guarantee type, the page of unfolded perhaps enters the new page and in the page of expansion or new page Show that the guarantee for the guarantee type illustrates to user 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 Input is desired in degree adjustment interface ensures amount.For the guarantee amount of user's input, 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 Scheme interface 912 of insuring can be used 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.For example, including one or more recommendations insurance 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 is 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, further illustrate technical solution of the present invention.

In step 1010, user uses initial interface, inputs primary condition；The example wherein initially met such as Figure 11 A institute Show.User inputs the information of user or family according to the option or problem for including in initial interface.

In step 1020, demand analysis interface is shown to user, wherein the example at demand analysis interface is as shown in Figure 11 B. Demand analysis interface graphically is being integrated, user can see the demand map of family.Map according to demand, user can be intuitive Which the type of insurance needed for family is recognized on ground and most urgent demand for insurance be.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 if user clicks for your some demand 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 the demand and risk that update is shown to user, such as Shown in Figure 11 D.After Questionnaire systems, detailed analysis is all had been carried out in the demand analysis of customer acceptance.As previously mentioned, needing Asking can increase, reduces or refine.The subset for the risk point that risk point corresponding to demand is shown before being converted into.These are more It is newly the analysis result obtained using the Insurance Model of the invention based on user.Pass through as previously mentioned, can be shown to user The demand interface of update, perhaps include update demand and risk risk interface or other include related content Interface.Comparison diagram 11B and Figure 11 D, although patterned integration demand map 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 optionally, guarantee plan circle can be directly transferred to after Questionnaire systems Face.

In step 1050, in response to demand and risk that customer acceptance updates, 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 the demand and risk of update.Next, showing the interface of guarantee plan to user.At guarantee plan interface, to user Show one or more protection amounts for ensureing and suggesting respectively under type and guarantee 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, show interface of insuring to user.It insures the reality at interface Such as shown in Figure 11 G.User can buy or make a reservation for the insurance products in interface input relevant information of insuring.Further, also The payment page can be shown to user, user completes payment, the purchase of the insurance products may be implemented.

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 of the invention based on user.

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 the primary condition that user inputs 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 the primary condition of user's input Demand for insurance of the dangerous demand as estimation.Certainly, the primary condition based on user's input adjusts most probable demand for insurance 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.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, modifies 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 modify, is then inputted using user to modify 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.When demand for insurance determine after, the corresponding risk of demand for insurance it is relevant one or Multiple insurance problems will be added into Questionnaire systems, and be shown by client to user.Further, user answers these User's input of insurance problem can be used to 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 A insurance problem or the sequence for adjusting one or more problems.Each insurance problem is to be mutually related in Questionnaire systems.With Different answer that problem is insured for one in family represents different insurance problem paths.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 will lead to new insurance problem and be added into Questionnaire systems, the insurance problem in Questionnaire systems will will increase.

In step 1240, in response to the assignment of one or more variables, the insurance for updating user and/or subscriber household is needed It asks.Specifically, the demand of first level can be refined as one or more second level demands in response to variable assignments； 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 update 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 A problem or the sequence for adjusting one or more problems.As previously mentioned, in Questionnaire systems each problem can be it is interrelated 's.According to the assignment of one or more variables, thus it is possible to vary one or more problems in Questionnaire systems.

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, is determined according to the demand by updating and ensure type.

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 buying etc..

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

Insurance products are retrieved according to type is ensured in step 1510.In some embodiments, insurance products include ensureing The label of type.It can be convenient the retrieval of insurance products 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 lower than threshold value are included to remove；Or the insurance products that difference comparation and assessment example is higher than threshold value in user's evaluation are moved It removes.It will be appreciated by those skilled in the art that being above only the example of filter algorithm.Others retrieval filter algorithm can also answer The filtering of search result is realized for the present invention.In some embodiments, the insurance retained after proposed algorithm filters produces Product quantity is lower than 10,5,4,3 or 2.

It is sorted according to insured amount premium matching algorithm to filtered insurance products 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.Insurance mould based on user of the invention It 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, it is to be obtained based on the first variable and/or the second variable according to scheduled rule or algorithm Variable, such as ensure completeness, its calculation formula is：Protection amount/premium.

As shown, variable may include one or more different attributes.In some embodiments, variable is according to its tax 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.Risk point across classification may belong to and two or more demands simultaneously.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 junior.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.Due to certain problems be it is associated, priority also determines the incidence relation of these problems.These problems are according to successively suitable Sequence and there is 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 adjustment, the corresponding priority of problem 6,7,8 is simultaneously Plus-minus, to guarantee 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 problem each 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.Of the invention Insurance Model based on user can in response to one or more variables assignment and change the shape of another or multiple variables State attribute, so that Questionnaire systems are added in problem corresponding to another or multiple variables or are removed from Questionnaire systems.Or Person, in response to one or more variables assignment and the problem of change another or multiple variables attribute priority, thus Change the displaying sequence of problem corresponding to another or 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, It is of the invention based on the Insurance Model of user according to scheduled rule and algorithm, determine that risk corresponding to the variable has been more than pre- Definite value, then 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 of the invention based on user is described in above description in detail Framework, method, interaction and the realization of model.According to foregoing description, with 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 of the 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 also should belong to scope disclosed by the invention.

Claims (30)

1. a kind of computer-implemented internet insurance method, including：

The insurance risk of user is determined according to the demand for insurance of user using one or more processors；

It indicates to show one of the insurance risk based on user to user 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 use for being directed to insurance problem by communication network Family input, the demand for insurance and/or insurance risk of user are updated using one or more processors.

2. according to the method described in claim 1, further comprising being connect using one or more communication interfaces by communication network The primary condition for receiving user's input uses the demand for insurance of one or more processors estimation user.

3. according to the method described in claim 1, further comprising being protected using one or more processors according to the user of update Dangerous demand and insurance risk determine the insurance cover of user.

4. according to the method described in claim 3, further comprising being protected using one or more processors according to the insurance of user Hinder to user and recommends one or more insurance products.

5. according to the method described in claim 1, wherein updating user's demand for insurance includes increasing or removing one or more use Family demand for insurance；Or refine one or more user's demand for insurance.

6. according to the method described in claim 1, wherein updating user's insurance risk includes removing one or more insurance risks.

7. according to the method described in claim 1, wherein determine user insurance risk include according to the demand of user with it is potential The corresponding relationship of insurance risk determines the potential insurance risk of user.

8. according to the method described in claim 7, wherein updating user's insurance risk includes by one or more potential insurance wind Danger is converted to practical insurance risk.

9. according to the method described in claim 8, further comprising using one or more processors in response to one or more Potential insurance risk is converted to practical insurance risk, increases the corresponding other demand for insurance of the practical insurance risk.

10. according to the method described in claim 9, further comprising being referred to using one or more communication interfaces by communication network Show to user and shows that the relevant one or more of one or more insurance risks corresponding to increased other demand for insurance is asked Topic.

11. a kind of computer-implemented internet insurance method, including：

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

The insurance of the user determined based on the demand for insurance of user is received by communication network using one or more communication interfaces The instruction of one or more insurance problems of risk；

One or more insurance problems are shown to user using display；

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

The demand for insurance and/or insurance risk of the user updated are received by communication network using one or more communication interfaces.

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

13. further comprising according to the method for claim 11, passing through communication network using one or more communication interfaces Receive the insurance cover of the user determined according to the user's demand for insurance and insurance risk of update.

14. further comprising according to the method for claim 13, passing through communication network using one or more communication interfaces Receive the instruction for recommending one or more insurance products to user according to the insurance cover of user.

15. according to the method for claim 11, including increase or removing one or more wherein updating user's demand for insurance User's demand for insurance；Or refine one or more user's demand for insurance.

16. according to the method for claim 11, wherein updating user's insurance risk includes removing one or more insurance wind Danger.

17. according to the method for claim 11, wherein determine the insurance risk of user include according to the demand of user with it is latent The potential insurance risk of user is determined in the corresponding relationship of insurance risk.

18. according to the method for claim 17, wherein updating user's insurance risk includes by one or more potential insurances Risk is converted to practical insurance risk.

19. further comprising according to the method for claim 18, 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.

20. further comprising according to the method for claim 11, passing through communication network using one or more communication interfaces Receive the instruction for increasing or decreasing the sequence of insurance problem or change insurance problem.

21. a kind of internet insurance 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：

The corresponding insurance risk of demand for insurance of user is determined according to the demand for insurance of user；

According to the insurance risk of user, indicate to show one or more insurance problems to user；And

It is inputted in response to receiving one or more users for insurance problem, updates the demand for insurance and/or insurance of user Risk.

22. system according to claim 21, wherein one or more processors are further to receive user's input Primary condition estimates the demand for insurance of user.

23. system according to claim 21, wherein one or more processors are further to the user according to update Demand for insurance and insurance risk determine the insurance cover of user.

24. system according to claim 23, wherein one or more processors are further to the insurance according to user It ensures to user and recommends one or more insurance products.

25. system according to claim 21, wherein updating user's demand for insurance includes increasing or removing one or more User's insurance；Or refine one or more user's demand for insurance.

26. system according to claim 21, wherein updating user's insurance risk includes removing one or more insurance wind Danger.

27. system according to claim 21, wherein updating user's insurance risk includes by one or more potential insurances Risk is converted to practical insurance risk.

28. system according to claim 27, wherein one or more processors are further in response to one or more A potential insurance risk is converted to practical insurance risk, increases the corresponding demand for insurance of the practical insurance risk.

29. system according to claim 28, wherein one or more processors are further to according to increased insurance Demand indicates to show that the relevant one or more of one or more insurance risks corresponding to increased demand for insurance is asked to user Topic.

30. system according to claim 21, wherein one or more processors further in response to receive one or Multiple users for insurance problem input, and instruction increases or decreases insurance problem or changes the sequence of insurance problem.