CN109064346A - Insurance products recommended method, device, electronic equipment and computer-readable medium - Google Patents
Insurance products recommended method, device, electronic equipment and computer-readable medium Download PDFInfo
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- 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
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- Y—GENERAL TAGGING OF NEW TECHNOLOGICAL DEVELOPMENTS; GENERAL TAGGING OF CROSS-SECTIONAL TECHNOLOGIES SPANNING OVER SEVERAL SECTIONS OF THE IPC; TECHNICAL SUBJECTS COVERED BY FORMER USPC CROSS-REFERENCE ART COLLECTIONS [XRACs] AND DIGESTS
- Y02—TECHNOLOGIES OR APPLICATIONS FOR MITIGATION OR ADAPTATION AGAINST CLIMATE CHANGE
- Y02A—TECHNOLOGIES FOR ADAPTATION TO CLIMATE CHANGE
- Y02A40/00—Adaptation technologies in agriculture, forestry, livestock or agroalimentary production
- Y02A40/70—Adaptation technologies in agriculture, forestry, livestock or agroalimentary production in livestock or poultry
Abstract
This disclosure relates to a kind of insurance products recommended method, device, electronic equipment and computer-readable medium based on block chain, it include budget information, the health and fitness information, information for intention of insuring of user in the insurance recommendation request information this method comprises: receiving the insurance recommendation request information of user；According to the insurance recommendation request information, the product information of multiple insurance products is obtained from block chain network；According to preset insurance benefits function, the benefit assessed value of each insurance products in the multiple insurance products is calculated；And insurance products or insurance products are recommended to combine to the user according to the benefit assessed value of each product.This disclosure relates to insurance products recommended method, device, electronic equipment and the computer-readable medium based on block chain, the management of client's serious illness insurance can be realized in block chain network, provides maximum insurance benefit in insurance benefits for client.
Description
Technical field
This disclosure relates to which computer information processing field, pushes away in particular to a kind of insurance products based on block chain
Recommend method, apparatus, electronic equipment and computer-readable medium.
Background technique
Settlement of insurance claim refers to and insurance risk occurs in insurance subject and insurant's property is made to incur loss or personal life
When being damaged or when other insurance risks of declaration form agreement are in danger and need to pay insurance money, based on contract insurance company advises
It is fixed, it fulfils reparation or pays the behavior of responsibility, be the direct work for embodying insurance function and fulfiling insurance responsibility.Wherein, weight disease
Danger is major disease insurance, refer to by insurance company handle with specific major disease, as malignant tumour, acute myocardial infarction,
Cerebral apoplexy sequela etc. is guarantee project, when insurant suffers from above-mentioned disease, is given by insurance company to spent medical expense
It is fixed the business insurance behavior of payment.
The insurance products covered by different serious illness insurance products are different, the amount of money of guarantee and kinds of Diseases not phase
Together, different from other medical insurances, the user for buying serious illness insurance can buy different types of serious illness insurance product simultaneously.User
When selecting the insurance products of serious illness insurance, at present can only the insurance company of recommendation by to(for) the kind of insurance, select several heavy diseases
Dangerous insurance products are insured.Current this mode is estimated with the knowledge of user and user and future life first, is had
Very big uncertainty.How to select suitable serious illness insurance insurance products, and how in user to need to carry out insurance benefits
When, maximum yield is provided for user, is current urgent problem to be solved.
Therefore, it is necessary to a kind of new insurance products recommended method, device, electronic equipment and computers based on block chain can
Read medium.
Above- mentioned information are only used for reinforcing the understanding to the background of the disclosure, therefore it disclosed in the background technology part
It may include the information not constituted to the prior art known to persons of ordinary skill in the art.
Summary of the invention
In view of this, the disclosure provide it is a kind of by the insurance products recommended method of block chain, device, electronic equipment and based on
Calculation machine readable medium can realize the management of client's serious illness insurance in block chain network, provide most in insurance benefits for client
Big insurance benefit.
Other characteristics and advantages of the disclosure will be apparent from by the following detailed description, or partially by the disclosure
Practice and acquistion.
According to the one side of the disclosure, a kind of insurance products recommended method based on block chain is proposed, this method comprises: connecing
The insurance recommendation request information of user is received, includes budget information, the health and fitness information, throwing of user in the insurance recommendation request information
Protect information for intention；According to the insurance recommendation request information, the product information of multiple insurance products is obtained from block chain network；
According to preset insurance benefits function, the benefit assessed value of each insurance products in the multiple insurance products is calculated；With root
Recommend insurance products or insurance products combination to the user according to the benefit assessed value of each product.
In a kind of exemplary embodiment of the disclosure, according to the insurance recommendation request information, from block chain network
Obtaining multiple insurance product informations includes: according to the budget information, health and fitness information, information for intention of insuring building constraint condition；
The multiple insurance product information for meeting the constraint condition is obtained from the block chain network.
In a kind of exemplary embodiment of the disclosure, the insurance products recommended method based on block chain further include: from institute
The product information for stating multiple insurance products extracts multiple product feature vectors；According to the building of the multiple product feature vector
Insurance benefits function.
In a kind of exemplary embodiment of the disclosure, the default compensation function includes:
Wherein, fmBenefit assessed value, a for m-th of insurance productsnFor n-th of insurance products of m-th of insurance products
The weight of feature vector, XnFor the quantized value of n-th of insurance products feature vector of m-th of insurance products.
In a kind of exemplary embodiment of the disclosure, the insurance products recommended method based on block chain further include: from area
Obtained in block chain network the user insurance purchaser record information and or settlement of insurance claim record information；If the insurance purchase
Buy record information and or settlement of insurance claim record information cover the multiple product, then from the insurance purchaser record information, described
Multiple purchaser record feature vectors and multiple Claims Resolutions record feature vector are extracted in settlement of insurance claim record information respectively；According to institute
State multiple product feature vectors, the multiple purchaser record feature vector, the multiple Claims Resolution record feature vector building described in
Insurance benefits function.
In a kind of exemplary embodiment of the disclosure, the default compensation function includes:
Wherein, fmBenefit assessed value for m-th of insurance products,
anIt for the weight of n-th of insurance products feature vector of m-th of insurance products, or is described m-th insurance
The weight of n-th of purchaser record feature vector of product, or for m-th of insurance products n-th of Claims Resolution record feature to
The weight of amount；
XnIt for the quantized value of n-th of insurance products feature vector of m-th of insurance products, or is described m-th guarantor
The quantized value of n-th of purchaser record feature vector of dangerous product, or spy is recorded for n-th of Claims Resolution of m-th of insurance products
Levy the quantized value of vector.
In a kind of exemplary embodiment of the disclosure, pushed away according to the benefit assessed value of each product to the user
Recommend insurance products or insurance products combination, comprising: assess according to the budget information of the user and the benefit of each product
The ranking results of value recommend insurance products or insurance products combination to user.
According to the one side of the disclosure, a kind of insurance products recommendation apparatus based on block chain is proposed, which includes: to ask
Modulus block includes the budget letter of user for receiving the insurance recommendation request information of user, in the insurance recommendation request information
Breath, health and fitness information, information for intention of insuring；Information module is used for according to the insurance recommendation request information, from block chain network
Obtain the product information of multiple insurance products；Evaluation module, for calculating the multiple guarantor according to preset insurance benefits function
The benefit assessed value of each insurance products in dangerous product；And recommending module, for being commented according to the benefit of each product
Valuation recommends insurance products or insurance products combination to the user.
According to the one side of the disclosure, a kind of electronic equipment is proposed, which includes: one or more processors；
Storage device, for storing one or more programs；When one or more programs are executed by one or more processors, so that one
A or multiple processors realize such as methodology above.
According to the one side of the disclosure, it proposes a kind of computer-readable medium, is stored thereon with computer program, the program
Method as mentioned in the above is realized when being executed by processor.
According to the insurance products recommended method based on block chain, device, electronic equipment and the computer-readable Jie of the disclosure
Matter can realize the management of client's serious illness insurance in block chain network, provide maximum insurance effect in insurance benefits for client
Benefit.
It should be understood that the above general description and the following detailed description are merely exemplary, this can not be limited
It is open.
Detailed description of the invention
Its example embodiment is described in detail by referring to accompanying drawing, above and other target, feature and the advantage of the disclosure will
It becomes more fully apparent.Drawings discussed below is only some embodiments of the present disclosure, for the ordinary skill of this field
For personnel, without creative efforts, it is also possible to obtain other drawings based on these drawings.
Fig. 1 is a kind of insurance products recommended method and device based on block chain shown according to an exemplary embodiment
System block diagram.
Fig. 2 is a kind of process of insurance products recommended method based on block chain shown according to an exemplary embodiment
Figure.
Fig. 3 is a kind of process of the insurance products recommended method based on block chain shown according to another exemplary embodiment
Figure.
Fig. 4 is a kind of signal of the insurance products recommended method based on block chain shown according to another exemplary embodiment
Figure.
Fig. 5 is a kind of block diagram of insurance products recommendation apparatus based on block chain shown according to an exemplary embodiment.
Fig. 6 is the block diagram of a kind of electronic equipment shown according to an exemplary embodiment.
Fig. 7 is that a kind of computer readable storage medium schematic diagram is shown according to an exemplary embodiment.
Specific embodiment
Example embodiment is described more fully with reference to the drawings.However, example embodiment can be real in a variety of forms
It applies, and is not understood as limited to embodiment set forth herein；On the contrary, thesing embodiments are provided so that the disclosure will be comprehensively and complete
It is whole, and the design of example embodiment is comprehensively communicated to those skilled in the art.Identical appended drawing reference indicates in figure
Same or similar part, thus repetition thereof will be omitted.
In addition, described feature, structure or characteristic can be incorporated in one or more implementations in any suitable manner
In example.In the following description, many details are provided to provide and fully understand to embodiment of the disclosure.However,
It will be appreciated by persons skilled in the art that can with technical solution of the disclosure without one or more in specific detail,
Or it can be using other methods, constituent element, device, step etc..In other cases, it is not shown in detail or describes known side
Method, device, realization or operation are to avoid fuzzy all aspects of this disclosure.
Block diagram shown in the drawings is only functional entity, not necessarily must be corresponding with physically separate entity.
I.e., it is possible to realize these functional entitys using software form, or realized in one or more hardware modules or integrated circuit
These functional entitys, or these functional entitys are realized in heterogeneous networks and/or processor device and/or microcontroller device.
Flow chart shown in the drawings is merely illustrative, it is not necessary to including all content and operation/step,
It is not required to execute by described sequence.For example, some operation/steps can also decompose, and some operation/steps can close
And or part merge, therefore the sequence actually executed is possible to change according to the actual situation.
It should be understood that although herein various assemblies may be described using term first, second, third, etc., these groups
Part should not be limited by these terms.These terms are to distinguish a component and another component.Therefore, first group be discussed herein below
Part can be described as the second component without departing from the teaching of disclosure concept.As used herein, term " and/or " include associated
All combinations for listing any of project and one or more.
It will be understood by those skilled in the art that attached drawing is the schematic diagram of example embodiment, module or process in attached drawing
Necessary to not necessarily implementing the disclosure, therefore it cannot be used for the protection scope of the limitation disclosure.
Fig. 1 is a kind of insurance products recommended method and device based on block chain shown according to an exemplary embodiment
System block diagram.
As shown in Figure 1, system architecture 100 may include terminal device 101,102,103, network 104,105 and of server
File server 106.Network 104 between terminal device 101,102,103 and server 105 to provide Jie of communication link
Matter；Network 104 between file server 106 and server 105 to provide the medium of communication link.Network 104 can wrap
Include various connection types, such as wired, wireless communication link or fiber optic cables etc..
User may be, for example, the client for buying insurance products, and user can be used terminal device 101,102,103 and pass through net
Network 104 is interacted with server 105, to receive or send message etc..It can be equipped on terminal device 101,102,103 various logical
Interrogate client application, such as shopping class application, web browser applications, searching class application, instant messaging tools, mailbox client
End, social platform software etc..File server 106 is interacted by network 104 with server 105, to receive or send message etc..
Terminal device 101,102,103 can be the various electronic equipments with display screen and supported web page browsing, packet
Include but be not limited to smart phone, tablet computer, pocket computer on knee and desktop computer etc..
User can be used terminal device 101,102,103 and propose insurance recommendation request；Server 105 can be for example according to institute
Multiple insurance purchaser records that insurance recommendation request is obtained user by block chain network are stated, include using in the insurance recommendation request
Family budget and personal information；Server 105 can for example receive the insurance recommendation request information of user, the insurance recommendation request letter
Budget information, health and fitness information, information for intention of insuring in breath including user；Server 105 can for example be recommended according to the insurance
Solicited message obtains the product information of multiple insurance products from block chain network；Server 105 can be for example according to preset guarantor
Function is compensated in danger, calculates the benefit assessed value of each insurance products in the multiple insurance products；Server 105 can such as root
Recommend insurance products or insurance products combination to the user according to the benefit assessed value of each product.
Server 105 can for example obtain the insurance purchaser record of the user in real time, and the insurance purchaser record is made
It stores for block data to block chain network；Wherein, insurance purchaser record includes insurance products title, time buying, user
People's information.
Server 105 can for example obtain multiple insurance product informations；And using the multiple insurance product information as area
Block number is according to storing into block chain network.
Server 105 can be the server of an entity, also may be, for example, that multiple servers form, in server 105
A part can be for example as the insurance recommender system in the disclosure, for insurance recommendation information will to be provided for user；And clothes
Be engaged in device 105 in a part can also for example as the block chain network in the disclosure, for storing the insurance purchaser record of user,
Insurance benefits record and multiple insurance product informations.
It should be noted that the insurance products recommended method based on block chain provided by the embodiment of the present disclosure can be by taking
Business device 105 executes, and correspondingly, the insurance products recommendation apparatus based on block chain can be set in server 105.And it is supplied to
User submits the request end of insurance recommendation request to be normally in terminal device 101,102,103.
According to the insurance products recommended method based on block chain of the disclosure, by the way that the insurance information of user and insurance are produced
Product information is stored in block chain, when user needs to buy insurance, is obtained related data by block chain, is established insurance benefits
Function solves insurance benefits function to obtain optimal solution, and then carries out the mode of insurance products recommendation, can be in block chain network
The middle management for realizing client's serious illness insurance, provides maximum insurance benefit in insurance benefits for client.
Fig. 2 is a kind of process of insurance products recommended method based on block chain shown according to an exemplary embodiment
Figure.Insurance products recommended method 20 based on block chain includes at least step S202 to S210.
As shown in Fig. 2, receiving and being wrapped in insurance recommendation request information described in the insurance recommendation request information of user in S202
Include budget information, the health and fitness information, information for intention of insuring of user.It can be for example, the serious illness insurance in user's insurance products to be purchased produces
Product, user propose insurance recommendation request, and personal information can be for example including insurer's name.Insurance related information can for example,
Buy insurance kind title, time buying, age when purchase, handler's name etc..
In S204, according to the insurance recommendation request information, the production of multiple insurance products is obtained from block chain network
Product information.It can for example, constraint condition is constructed according to the budget information, health and fitness information, information for intention of insuring；From the area
The multiple insurance product information for meeting the constraint condition is obtained in block chain network.
In one embodiment, insurance product information may be, for example, insurance clause information, compensate information etc..It can specifically wrap
Include: whether the related main insurance clause of serious illness insurance product (such as the purchase age, covers disease, whether exempts from physical examination, making a definite diagnosis and pay for, be
No to protect the information such as lifelong and upload to block chain, for example, serious illness insurance product A: the purchase age 0~55 years old is covered 150 kinds of diseases, is exempted from
Physical examination is made a definite diagnosis and is paid for, and protects lifelong etc.；Serious illness insurance product B: 166 kinds of diseases are covered in the purchase age 0~50 years old, physical examination unavoidably, really
It examines and pays for, protect lifelong etc.；
In S206, according to preset insurance benefits function, each insurance products in the multiple insurance products are calculated
Benefit assessed value.It can be for example, extracting multiple product feature vectors from the product information of the multiple insurance products；According to described
Multiple product feature vectors construct the insurance benefits function.As described above, insurance product information can be insurance clause information,
Compensate information etc., wherein can by insurance clause information the purchase age, cover disease, whether exempt from physical examination, whether make a definite diagnosis i.e.
Pay for, whether protect each of the information such as lifelong information and both correspond to a product feature vector, by multiple product features to
Amount building insurance benefits function, and then calculate the benefit assessed value of each insurance products.
In one embodiment, the relevant product feature vector of the multiple insurance clause and multiple compensations can for example be passed through
The relevant feature vector of information establishes insurance benefits function formula；Wherein, when insuring recommended products is multiple product mixes, lead to
It crosses multiple product mixes and establishes the insurance benefits function.
In one embodiment, the default compensation function includes:
Wherein, fmBenefit assessed value, a for m-th of insurance productsnFor n-th of insurance products of m-th of insurance products
The weight of feature vector, XnFor the quantized value of n-th of insurance products feature vector of m-th of insurance products.
Wherein,
Wherein, BnFor insurance purchaser record or insurance products attribute value, BnLFor insurance purchaser record or insurance products attribute
A reference value, BnnFor the quantization basic value of insurance purchaser record or insurance products, n ∈ [1, N], m ∈ [1, M].
In one embodiment, with X1For the health forecast quantized value of client, wherein B1For health forecast value, B1LFor full marks
The compensation amount of money in the case of 100 points.Such as: party A-subscriber's health forecast value B1It is 90 points, B1LRepresent health forecast value as full marks as
100 points；Bnn is 10000 yuan of the compensation amount of money in the case of full marks, then calculates X by formula1=0.9*10000=9000 member.With
This analogizes, and is added the amount of money that the quantized value of each information represents to obtain f.
In one embodiment, when insuring recommended products is multiple product mixes, institute is established by multiple product mixes
State insurance benefits function.It can for example establish for example, establish different insurance benefits functions according to different product mixes respectively
The Copula of f1 and f2, or the Copula of f3 and f5 are established, in subsequent settlement process, pass through the knot of f1+f2 or f3+f5
Result of the fruit as objective function.
It is a in one embodiment, it for corresponding product f1, can obtain for example, the above product is carried out information extraction respectively
Take the corresponding each product feature vector of f1；The correspondence of f1, f2, f3, f4, f5 and f1+f2 or f3+f5 are similarly obtained respectively
Product feature vector, pass through feature vector construct insurance benefits function.
In one embodiment, further includes: obtained from block chain network the user insurance purchaser record information and
Or settlement of insurance claim records information；If the insurance purchaser record information and or settlement of insurance claim record information covering it is the multiple
Product then extracts multiple purchaser record features from the insurance purchaser record information, settlement of insurance claim record information respectively
Vector and multiple Claims Resolutions record feature vector；According to the multiple product feature vector, the multiple purchaser record feature to
Amount, the multiple Claims Resolution record feature vector construct the insurance benefits function.
In one embodiment, as described above, insure purchaser record can include: purchase insurance kind title, time buying, purchase
Age when buying, handler's name etc..Each of information above information both corresponds to an insurance record feature vector, leads to
Multiple insurance record feature vector building insurance benefits functions are crossed, and then calculate the benefit assessed value of each insurance products.
In one embodiment, as described above, settlement of insurance claim records information can include: Claims Resolution time, Claims Resolution reason, reason
Pay for amount of money etc..Each of information above information both corresponds to a settlement of insurance claim record feature vector, passes through multiple insurances
Claims Resolution record building insurance benefits function, and then calculate the benefit assessed value of each insurance products.
In one embodiment, when the existing purchaser record of user has Claims Resolution to record again, remembered according to purchaser record and Claims Resolution
Insurance benefits function is established in record together, and then calculates the benefit assessed value of each insurance products.
The default compensation function includes:
Wherein, fmBenefit assessed value for m-th of insurance products,
anIt for the weight of n-th of insurance products feature vector of m-th of insurance products, or is described m-th insurance
The weight of n-th of purchaser record feature vector of product, or for m-th of insurance products n-th of Claims Resolution record feature to
The weight of amount；
XnIt for the quantized value of n-th of insurance products feature vector of m-th of insurance products, or is described m-th guarantor
The quantized value of n-th of purchaser record feature vector of dangerous product, or spy is recorded for n-th of Claims Resolution of m-th of insurance products
Levy the quantized value of vector.
Wherein,
Wherein, BnFor insurance purchaser record or insurance products attribute value, BnLFor insurance purchaser record or insurance products attribute
A reference value, BnnFor the quantization basic value of insurance purchaser record or insurance products, n ∈ [1, N], m ∈ [1, M].
It is a in one embodiment, can for example, by the above user insure purchaser record information and or settlement of insurance claim record letter
It ceases and carries out information extraction respectively, for corresponding product f1, obtain the corresponding each purchaser record feature vector of f1 and Claims Resolution note
Record feature vector；Similarly obtain respectively the corresponding purchaser record feature of f1, f2, f3, f4, f5 and f1+f2 or f3+f5 to
Amount and Claims Resolution record feature vector, construct insurance benefits function by feature vector.
In one embodiment, using user's budget, the personal information as the constraint condition of insurance benefits function
It include: that kinds of Diseases and probability are determined by user information；And by the kinds of Diseases and probability, user's budget conduct
The constraint condition of insurance benefits function.Wherein, constraint condition includes:
Wherein, M is price constraints condition, and Q is user's budget；P (E), P (F), P (G) be respectively kinds of Diseases with it is corresponding
Probability.
In one embodiment, P (E), P (F), P (G) is respectively kinds of Diseases and corresponding probability, in price constraints item
Under part, is sought in above each insurance products or insurance products combination respectively while meeting the production for covering the above kinds of Diseases
Product, and product or the product mix of user benefit can be maximized, it can be for example, insurance products be in 5, respectively for user A
For f1, f2, f3, f4, f5；Wherein, generation combination product can be combined between portioned product to be recommended, wherein combination product
It may be, for example, for f1+f2 or f3+f5.
In one embodiment, optimization aim includes: that insurance benefits maximize.Optimization method includes: multiple restrictive conditions
Integer programming optimization method (Integer Programming), wherein combinatorial optimization problem is one kind of optimization problem.
Optimization problem is divided into two classes: the problem of one kind is continuous variable, another kind of the problem of being discrete variable.With discrete variable
Problem, we it be referred to as combination.It is generally to ask one group of real number or a function in the continuous variable the problem of；In group
It is one object of searching in an infinite set or countably infinite set, a set, an arrangement, Huo Zheyi in conjunction problem
A figure.Generally, these two types of problems have significantly different characteristic, and the method for solving them is also very different.
Combinatorial optimization problem is divided into according to the quantity of objective function: single-object problem (Single-Objective
Optimization Problem) and multiple-objection optimization (Multi-objectiveOptimization Problem).
In one embodiment, it is multi-objective optimization question that the multiple groups in the application, which close majorized function, due to multiple evaluation and tests
The presence of function, and using the solution of different evaluation and test functions, also it is different.In other words: multiple groups are closed in majorized function, together
When there are multiple maximizations or the objective functions of minimum, also, these objective functions are not independent from each other, nor
It is mutually harmonious, there can be more or less conflict between them, so that all objective functions cannot be met simultaneously
In one embodiment, solve the application in multiple groups close majorized function can when the optimal solution of discrete state
By one of the methods of linear programming, Non-Linear Programming, integer programming, Dynamic Programming, matroid opinion and network analysis or more
Group, the application are not limited.
Integer programming refers to that the variable (all or part) in planning is limited to integer, asks as described above in linear programming
In topic, some optimal solutions may be score or decimal, but for certain particular problems, and it must be whole for often requiring the solution of certain variables
Number.
In this application, due in majorized function variable represent be whether have certain class disease, if meet a certain item
Part, compensate the amount of money situations such as, so in the embodiment of the present application significant optimal solution some need to be integer form.There have to be special
Method solve integer programming.In integer programming, if all variables are limited to integer, referred to as pure integer programming；
If only a part variable is limited to integer, referred to as mixed integer programming.In this application, the value of Partial Variable is integer
Problem, the value of Partial Variable can be non-integer problem (for example, compensating the amount of money) so in the present embodiment, passing through MIXED INTEGER
Planning correlation technique is solved.
In S208, insurance products or insurance products are recommended to the user according to the benefit assessed value of each product
Combination.It include: to be pushed away according to the ranking results of the benefit assessed value of the budget information and each product of the user to user
Recommend insurance products or insurance products combination.
It is a in one embodiment, it for corresponding product f1, can obtain for example, the above product is carried out information extraction respectively
Take the corresponding each product feature vector of f1；The correspondence of f1, f2, f3, f4, f5 and f1+f2 or f3+f5 are similarly obtained respectively
Product feature vector, pass through feature vector construct insurance benefits function, the constraint item of insurance benefits function recombinant above
Part seeks optimal solution, then by the maximum value that optimal solution corresponds in the above product or product mix determines recommendation product or
Product mix.
It is a in one embodiment, can for example, by the above user insure purchaser record information and or settlement of insurance claim record letter
It ceases and carries out information extraction respectively, for corresponding product f1, obtain the corresponding each purchaser record feature vector of f1 and Claims Resolution note
Record feature vector；Similarly obtain respectively the corresponding purchaser record feature of f1, f2, f3, f4, f5 and f1+f2 or f3+f5 to
Amount and Claims Resolution record feature vector, construct insurance benefits function by feature vector, insurance benefits function recombinant is above
Constraint condition, seek optimal solution, recommendation then determined by the maximum value that optimal solution corresponds in the above product or product mix
Product or product mix.
In one embodiment, when the single product in insurance products meets the price constraints condition of user, then to
Single product is recommended at family, if price constraints condition is more than single insurance products price, recommends in this case single
If product, the budget of user fails to be used to greatest extent, in this case, then assessment can be selected for example from sequence
It is worth high multiple product mixes to recommend, the price synthesis after combination meets price constraints condition.
In one embodiment, certain client's serious illness insurance budget M is annual 30000 yuan, there is serious illness insurance product A, B, C, D, root
A possibility that a possibility that disease E having according to client's family's medical history and its personal history client is 60%, obtains disease F be
75%, a possibility that obtaining disease G is 55%, and tetra- kinds of products of serious illness insurance product A, B, C, D have different insure condition and disease
Coverage area, by the calculating of insurance benefits function formula and constraint condition, to A, B, C, tetra- sections of products of D calculate separately out function
The value of f, being worth maximum product is optimal product, to realize that weight disease product Optimum Matching and weight disease reparation maximize.
According to the insurance products recommended method based on block chain of the disclosure, by the way that the insurance information of user and insurance are produced
Product information is stored in block chain, when user needs to buy insurance, is obtained related data by block chain, is established insurance benefits
Function solves insurance benefits function to obtain optimal solution, and then carries out the mode of insurance products recommendation, can be in block chain network
The middle management for realizing client's serious illness insurance, provides maximum insurance benefit in insurance benefits for client.
It will be clearly understood that the present disclosure describes how to form and use particular example, but the principle of the disclosure is not limited to
These exemplary any details.On the contrary, the introduction based on disclosure disclosure, these principles can be applied to many other
Embodiment.
Fig. 3 is a kind of process of the insurance products recommended method based on block chain shown according to another exemplary embodiment
Figure.Insurance products recommended method 30 based on block chain as shown in Figure 3 " obtains the insurance of the user from block chain network
Purchaser record information and or settlement of insurance claim record information " in block chain network building detailed description.
As shown in figure 3, obtaining the insurance purchaser record of the user in real time in S302.Insuring purchaser record can be such as
For, insurant's name, insurance kind title is bought, the time buying, age when purchase, handler's name etc.
In S304, block data is generated by insurance purchaser record.In the block chain that insurance purchaser record is constituted, often
One block is all made of build and block body.Build is used to be linked to the address of a block, and is block chain database
The guarantee of integrality is provided.Block body then contains Transaction Details or other data by verifying, occurring during block creation
Record.
As shown in figure 4, being chained up between block and block by the data block header information between each block, area
Block is a kind of record insurance purchaser record structure.Each block is made of block head and block main body, and block main body is only responsible for note
Insurance purchaser record data in record for the previous period, most of function of block chain are all realized by block head.It specifically can be such as
Header information has recorded the HASH value of HASH value (hashed value converted by hash function) and this block of a block, this
The HASH of block, and recorded in next new block, this completes the information chains of each block.
In S306, the insurance benefits record of the user is obtained in real time.Wherein, insurance benefits record includes insurance products
Title, compensates time, userspersonal information at insurance benefits information, can also be for example including, applies the time compensated, diagnosis proves
Material etc.；
In S308, is recorded by the insurance benefits and generate block data.
In S310, block is stored in the block chain network.
The insurance benefits record of user may be, for example, that the personal information of user stores, can also be for example, by insurance benefits
Record is stored as individual data, so that when subsequent clients settlement of insurance claim is with insuring, comprehensive reference compensates note
Data in record.In the embodiment of the present application, in block chain network, a block chain, the use can be opened for each user
Each insurance purchaser record or insurance benefits at family can be linked to upper a insurance purchaser record of the user or insurance is paid for
In the block paid.New block can be added into record finally, once the reinsurance-relevant data of user is written into block chain, just again
It can not change and delete.Each block has recorded all events occurred before it is created.The block structure of one block
It is as follows:
In one embodiment, subsystem can be constructed by block chain node and block chain network carry out block chain node
Building, update and building, update and the maintenance of maintenance mechanism and block chain network are for example to insure base's operating agency
Minimum node, the building of one or more insurance pools/company's participative management transaction block chain network, in the embodiment of the present application,
Block data can be as follows:
After block data is linked with a upper block, block data is issued in block chain network to complete area
Block number is according to uplink operation.Further, common recognition mechanism confirmation is carried out by algorithm of knowing together between block data.In the disclosure
In a kind of exemplary embodiment, the common recognition algorithm includes: Byzantine failure tolerance algorithm, and the application is not limited.
All records open different rights agent or insurance operating agency graduation, make full use of block chain information
Open and clear, retrospective feature provides Optimum Matching product to client using history resource to greatest extent, realizes the benefit of client
It maximizes, meanwhile, evade the risk that the behaviors such as violation, fraud occur to a certain degree, saves entreprise cost.
In S312, the block chain network exports the access link and access public key.Due to being wrapped in each block
The data resource of historical data containing all blocks, occupancy is more.It can be for example, when including data in the reinsurance-relevant data of user
When occupying the data of larger space, reinsurance-relevant data is stored into book server, which is only provided to the block
The service interface of system, to guarantee the safety of the data.In the server, the physical address of this user data storage is obtained
Data, can be storage address date, and the access as the secondary user data links.
In one embodiment, further includes: obtain multiple insurance product informations；And by the multiple insurance product information
It stores as block data into block chain network.
Information exchange on internet, almost require by can standing bad third party credit institution handle related letter
Breath.This kind of system is limited by " fiduciary mode " still endogenously.Block chain technology is building bit coin block link network
The basic technology of network and Transaction Information encrypted transmission.It is based on Cryptography Principles and is not based on credit, so that any reach an agreement
Both sides' direct payment, without the participation of third party intermediary.From the perspective of data: block chain be it is a kind of hardly
The distributed data base that may be modified.Here " distribution " is not only presented as the distributed storage of data, is also embodied in number
According to distributed recording (being safeguarded jointly by system participant).In the most of application scenarios of block chain technology, block is utilized
Hash calculation and encryption that the chain transaction data structure of chain Hash pointer and encryption are learned learn the mechanism of digital signature, can be realized area
Thus multi-level evidence in block chain process of exchange trusts each other problem between Different Individual counterparty to realize.In view of
This, will insure purchaser record, insurance product information and insurance according to the insurance products recommended method based on block chain of the disclosure
It compensates record to be stored in block chain network, it is quasi- can then to reach acquisition by the data safety guarantee that block chain provides
True, the purpose for the user data being not tampered with.
It will be appreciated by those skilled in the art that realizing that all or part of the steps of above-described embodiment is implemented as being executed by CPU
Computer program.When the computer program is executed by CPU, above-mentioned function defined by the above method that the disclosure provides is executed
Energy.The program can store in a kind of computer readable storage medium, which can be read-only memory, magnetic
Disk or CD etc..
Further, it should be noted that above-mentioned attached drawing is only the place according to included by the method for disclosure exemplary embodiment
Reason schematically illustrates, rather than limits purpose.It can be readily appreciated that above-mentioned processing shown in the drawings is not indicated or is limited at these
The time sequencing of reason.In addition, be also easy to understand, these processing, which can be, for example either synchronously or asynchronously to be executed in multiple modules.
Following is embodiment of the present disclosure, can be used for executing embodiments of the present disclosure.It is real for disclosure device
Undisclosed details in example is applied, embodiments of the present disclosure is please referred to.
Fig. 5 is a kind of block diagram of insurance products recommendation apparatus based on block chain shown according to an exemplary embodiment.
Insurance products recommendation apparatus 50 based on block chain includes: request module 502, information module 504, evaluation module 506, and is pushed away
Recommend module 508.
Request module 502 is used to receive the insurance recommendation request information of user, includes in the insurance recommendation request information
The budget information of user, health and fitness information, information for intention of insuring；
Information module 504 is used to obtain multiple insurances from block chain network according to the insurance recommendation request information and produce
The product information of product；
Evaluation module 506 is used to calculate each guarantor in the multiple insurance products according to preset insurance benefits function
The benefit assessed value of dangerous product；And
Recommending module 508 is used to recommend insurance products or guarantor to the user according to the benefit assessed value of each product
Dangerous product mix.
Due to example embodiments of the present invention the insurance products recommendation apparatus based on block chain each functional module with
The step of example embodiment of the above-mentioned insurance products recommended method based on block chain, is corresponding, therefore apparatus of the present invention are implemented
Undisclosed details in example please refers to the embodiment of the above-mentioned insurance products recommended method based on block chain of the present invention.
According to the insurance products recommendation apparatus based on block chain of the disclosure, by the way that the insurance information of user and insurance are produced
Product information is stored in block chain, when user needs to buy insurance, is obtained related data by block chain, is established insurance benefits
Function solves insurance benefits function to obtain optimal solution, and then carries out the mode of insurance products recommendation, can be in block chain network
The middle management for realizing client's serious illness insurance, provides maximum insurance benefit in insurance benefits for client.
Fig. 6 is the block diagram of a kind of electronic equipment shown according to an exemplary embodiment.
The electronic equipment 200 of this embodiment according to the disclosure is described referring to Fig. 6.The electronics that Fig. 6 is shown
Equipment 200 is only an example, should not function to the embodiment of the present disclosure and use scope bring any restrictions.
As shown in fig. 6, electronic equipment 200 is showed in the form of universal computing device.The component of electronic equipment 200 can wrap
It includes but is not limited to: at least one processing unit 210, at least one storage unit 220, (including the storage of the different system components of connection
Unit 220 and processing unit 210) bus 230, display unit 240 etc..
Wherein, the storage unit is stored with program code, and said program code can be held by the processing unit 210
Row, so that the processing unit 210 executes described in this specification above-mentioned electronic prescription circulation processing method part according to this
The step of disclosing various illustrative embodiments.For example, the processing unit 210 can be executed such as Fig. 2, walked shown in Fig. 3
Suddenly.
The storage unit 220 may include the readable medium of volatile memory cell form, such as random access memory
Unit (RAM) 2201 and/or cache memory unit 2202 can further include read-only memory unit (ROM) 2203.
The storage unit 220 can also include program/practical work with one group of (at least one) program module 2205
Tool 2204, such program module 2205 includes but is not limited to: operating system, one or more application program, other programs
It may include the realization of network environment in module and program data, each of these examples or certain combination.
Bus 230 can be to indicate one of a few class bus structures or a variety of, including storage unit bus or storage
Cell controller, peripheral bus, graphics acceleration port, processing unit use any bus structures in a variety of bus structures
Local bus.
Electronic equipment 200 can also be with one or more external equipments 300 (such as keyboard, sensing equipment, bluetooth equipment
Deng) communication, can also be enabled a user to one or more equipment interact with the electronic equipment 200 communicate, and/or with make
Any equipment (such as the router, modulation /demodulation that the electronic equipment 200 can be communicated with one or more of the other calculating equipment
Device etc.) communication.This communication can be carried out by input/output (I/O) interface 250.Also, electronic equipment 200 can be with
By network adapter 260 and one or more network (such as local area network (LAN), wide area network (WAN) and/or public network,
Such as internet) communication.Network adapter 260 can be communicated by bus 230 with other modules of electronic equipment 200.It should
Understand, although not shown in the drawings, other hardware and/or software module can be used in conjunction with electronic equipment 200, including but unlimited
In: microcode, device driver, redundant processing unit, external disk drive array, RAID system, tape drive and number
According to backup storage system etc..
Through the above description of the embodiments, those skilled in the art is it can be readily appreciated that example described herein is implemented
Mode can also be realized by software realization in such a way that software is in conjunction with necessary hardware.Therefore, according to the disclosure
The technical solution of embodiment can be embodied in the form of software products, which can store non-volatile at one
Property storage medium (can be CD-ROM, USB flash disk, mobile hard disk etc.) in or network on, including some instructions are so that a calculating
Equipment (can be personal computer, server or network equipment etc.) executes the above method according to disclosure embodiment.
Fig. 7 schematically shows a kind of computer readable storage medium schematic diagram in disclosure exemplary embodiment.
Refering to what is shown in Fig. 7, describing the program product for realizing the above method according to embodiment of the present disclosure
400, can using portable compact disc read only memory (CD-ROM) and including program code, and can in terminal device,
Such as it is run on PC.However, the program product of the disclosure is without being limited thereto, in this document, readable storage medium storing program for executing can be with
To be any include or the tangible medium of storage program, the program can be commanded execution system, device or device use or
It is in connection.
Can with any combination of one or more programming languages come write for execute the disclosure operation program
Code, described program design language include object oriented program language-Java, C++ etc., further include conventional
Procedural programming language-such as " C " language or similar programming language.Program code can be fully in user
It calculates and executes in equipment, partly executes on a user device, being executed as an independent software package, partially in user's calculating
Upper side point is executed on a remote computing or is executed in remote computing device or server completely.It is being related to far
Journey calculates in the situation of equipment, and remote computing device can pass through the network of any kind, including local area network (LAN) or wide area network
(WAN), it is connected to user calculating equipment, or, it may be connected to external computing device (such as utilize ISP
To be connected by internet).
Above-mentioned computer-readable medium carries one or more program, when said one or multiple programs are by one
When the equipment executes, so that the computer-readable medium implements function such as: the insurance recommendation request information of user is received, it is described
It include budget information, the health and fitness information, information for intention of insuring of user in insurance recommendation request information；It is asked according to insurance recommendation
Information is sought, the product information of multiple insurance products is obtained from block chain network；According to preset insurance benefits function, institute is calculated
State the benefit assessed value of each insurance products in multiple insurance products；And according to the benefit assessed value of each product to
The user recommends insurance products or insurance products combination.
It will be appreciated by those skilled in the art that above-mentioned each module can be distributed in device according to the description of embodiment, it can also
Uniquely it is different from one or more devices of the present embodiment with carrying out corresponding change.The module of above-described embodiment can be merged into
One module, can also be further split into multiple submodule.
By the description of above embodiment, those skilled in the art is it can be readily appreciated that example embodiment described herein
It can also be realized in such a way that software is in conjunction with necessary hardware by software realization.Therefore, implemented according to the disclosure
The technical solution of example can be embodied in the form of software products, which can store in a non-volatile memories
In medium (can be CD-ROM, USB flash disk, mobile hard disk etc.) or on network, including some instructions are so that a calculating equipment (can
To be personal computer, server, mobile terminal or network equipment etc.) it executes according to the method for the embodiment of the present disclosure.
It is particularly shown and described the exemplary embodiment of the disclosure above.It should be appreciated that the present disclosure is not limited to
Detailed construction, set-up mode or implementation method described herein；On the contrary, disclosure intention covers included in appended claims
Various modifications and equivalence setting in spirit and scope.
Claims (10)
1. a kind of insurance products recommended method based on block chain characterized by comprising
The insurance recommendation request information of user is received, includes budget information, the health of user in the insurance recommendation request information
Information, information for intention of insuring；
According to the insurance recommendation request information, the product information of multiple insurance products is obtained from block chain network；
According to preset insurance benefits function, the benefit assessed value of each insurance products in the multiple insurance products is calculated；
And
Recommend insurance products or insurance products combination to the user according to the benefit assessed value of each product.
2. the method as described in claim 1, which is characterized in that according to the insurance recommendation request information, from block chain network
It is middle to obtain multiple insurance product informations and include:
Constraint condition is constructed according to the budget information, health and fitness information, information for intention of insuring；
The multiple insurance product information for meeting the constraint condition is obtained from the block chain network.
3. according to the method for claim 1.It is characterized by further comprising:
Multiple product feature vectors are extracted from the product information of the multiple insurance products；
The insurance benefits function is constructed according to the multiple product feature vector.
4. according to the method described in claim 3, it is characterized in that, the default compensation function includes:
Wherein, fmBenefit assessed value, a for m-th of insurance productsnFor n-th of insurance products feature of m-th of insurance products
The weight of vector, XnFor the quantized value of n-th of insurance products feature vector of m-th of insurance products.
5. according to the method described in claim 3, it is characterized by further comprising:
Obtained from block chain network the user insurance purchaser record information and or settlement of insurance claim record information；
If the insurance purchaser record information and or settlement of insurance claim record information cover the multiple product, from the guarantor
Multiple purchaser record feature vectors and multiple Claims Resolutions are extracted respectively in dangerous purchaser record information, settlement of insurance claim record information
Record feature vector；
According to the multiple product feature vector, the multiple purchaser record feature vector, the multiple Claims Resolution record feature to
Amount constructs the insurance benefits function.
6. according to claim 5, which is characterized in that the default compensation function includes:
Wherein, fmBenefit assessed value for m-th of insurance products,
anIt for the weight of n-th of insurance products feature vector of m-th of insurance products, or is m-th of insurance products
The weight of n-th of purchaser record feature vector, or the power of n-th of Claims Resolution record feature vector for m-th of insurance products
Weight；
XnIt for the quantized value of n-th of insurance products feature vector of m-th of insurance products, or is m-th of insurance products
N-th of purchaser record feature vector quantized value, or for m-th of insurance products n-th of Claims Resolution record feature vector
Quantized value.
7. according to claim 1 to the 6 any one methods, which is characterized in that according to the benefit assessed value of each product
Recommend insurance products or insurance products combination to the user, comprising:
Recommend to insure to user according to the ranking results of the budget information of the user and the benefit assessed value of each product
Product or insurance products combination.
8. a kind of insurance products recommendation apparatus based on block chain characterized by comprising
Request module includes user's in the insurance recommendation request information for receiving the insurance recommendation request information of user
Budget information, health and fitness information, information for intention of insuring；
Information module, for obtaining the production of multiple insurance products from block chain network according to the insurance recommendation request information
Product information；
Evaluation module, for calculating each insurance products in the multiple insurance products according to preset insurance benefits function
Benefit assessed value；And
Recommending module, for recommending insurance products or insurance products to the user according to the benefit assessed value of each product
Combination.
9. a kind of electronic equipment characterized by comprising
One or more processors；
Storage device, for storing one or more programs；
When one or more of programs are executed by one or more of processors, so that one or more of processors are real
The now method as described in any in claim 1-7.
10. a kind of computer-readable medium, is stored thereon with computer program, which is characterized in that described program is held by processor
The method as described in any in claim 1-7 is realized when row.
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