CN109214940A - Insurance products based on big data are attached to give method and server - Google Patents
Insurance products based on big data are attached to give method and server Download PDFInfo
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- CN109214940A CN109214940A CN201811303411.2A CN201811303411A CN109214940A CN 109214940 A CN109214940 A CN 109214940A CN 201811303411 A CN201811303411 A CN 201811303411A CN 109214940 A CN109214940 A CN 109214940A
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- 238000000034 method Methods 0.000 title claims abstract description 27
- 238000003860 storage Methods 0.000 claims abstract description 18
- 238000012216 screening Methods 0.000 description 7
- 238000010586 diagram Methods 0.000 description 5
- 238000004891 communication Methods 0.000 description 4
- 238000004590 computer program Methods 0.000 description 3
- 238000004458 analytical method Methods 0.000 description 2
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/08—Insurance
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/02—Marketing; Price estimation or determination; Fundraising
- G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
- G06Q30/0208—Trade or exchange of goods or services in exchange for incentives or rewards
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Abstract
Method is given the invention discloses a kind of insurance products based on big data are attached, this method comprises: whether the Transaction Information that insurance products have been sold in judgement meets and preset attached give condition；Obtain the identity information and area information for meeting the client of the attached Transaction Information for giving condition；Find out the second category insurance products and sales volume corresponding to the identity information and the area information；According to preset insurance products it is attached give rule and filter out from the insurance products classification classification insurance products to be pushed away carry out attached give.Device, server and computer readable storage medium are given the present invention also provides a kind of insurance products based on big data are attached.Insurance products provided by the invention based on big data are attached give method, apparatus, server and computer readable storage medium can according to preset insurance products it is attached give regular Automatic sieve select suitable insurance products to meet the attached client for giving condition carry out it is attached give, thus the attached intelligence and fairness given of product for the insurance products transaction system realized.
Description
Technical field
The present invention relates to big data technical field more particularly to a kind of insurance products based on big data it is attached give method, dress
It sets, server and computer readable storage medium.
Background technique
Normally, client buy certain product business when, generally for increase client viscosity or consciously to
Lead referral or when pushing the message of other product business, businessman generally will do it attached other product business for giving certain price and allow
User's " free trial ".For example, when user buys insurance products, it will usually obtain attached other relevant insurance products given.So
And existing insurance products are attached gives, be all according to manual identified and judge it is whether attached give what insurance products or it is attached give it is more
The insurance products of few price, therefore, the attached insurance products given often can not really be bonded the needs of client；And because to purchase
The different clients of the insurance products of same price are attached to have given other huge insurance products of difference and to influence insurance company's justice right
Image to user.
Summary of the invention
In view of this, the present invention propose a kind of insurance products of the user based on big data it is attached give method, apparatus, server and
Then computer readable storage medium can obtain by the Transaction Information of the received insurance products of analysis and meet insurance products
The area information of the identity information of client corresponding to the attached Transaction Information for giving condition and the client location, and according to pre-
If insurance products it is attached give it is regular automatic carry out that insurance products are attached to be given, given so that the product for the insurance products transaction system realized is attached
Intelligence and fairness.
Firstly, to achieve the above object, the present invention provides that a kind of insurance products based on big data are attached to give method, this method
Applied to server, which comprises
Receive the Transaction Information for having sold insurance products of user's input；Judge whether the Transaction Information meets preset guarantor
Dangerous product is attached to give condition；When the Transaction Information meets the insurance products are attached to give condition when, it is corresponding to obtain the Transaction Information
Client identity information and the client location area information；It finds out and corresponds to the identity in preset time period
The second category insurance products and the corresponding sales volume of the second category insurance products of information and the area information；According to default
Insurance products it is attached give rule and filter out classification insurance products to be pushed away from the second category insurance products found out carry out
It is attached to give.
Optionally, it is default that the attached condition of giving of the insurance products, which includes: the corresponding insurance products of having sold of the Transaction Information,
First category insurance products and the Transaction Information in transaction value be greater than or equal to preset first price thresholds.
Optionally, the user information includes gender, age and occupation, and the area information includes zone name and current
Season.
Optionally, described " according to the attached rule of giving of preset insurance products from the second category insurance production found out
Classification insurance products to be pushed away are filtered out in product carries out attached give " step has been comprising steps of according to insurance products have been sold in Transaction Information
Transaction value calculates the attached ceiling price for giving insurance products, wherein computation rule are as follows: attached to give insurance products ceiling price=friendship
Easy price * M, wherein M is the percentage of the preset profit margin lower than the transaction value；From the second category found out
In insurance products, filters out transaction value and carried out not higher than the attached classification insurance products to be pushed away for giving insurance products ceiling price
It is attached to give.
In addition, to achieve the above object, device is given the present invention also provides a kind of insurance products based on big data are attached, it is described
Device includes:
Receiving module, for receiving the Transaction Information for having sold insurance products of user's input；Judgment module, for judging
It states Transaction Information and whether meets that preset insurance products are attached to give condition；Module is obtained, is also used to meet guarantor in the Transaction Information
Dangerous product is attached to obtain the identity information of the corresponding client of the Transaction Information and the region of the client location when giving condition
Information；Searching module, for finding out the second class for corresponding to the identity information and the area information in preset time period
Other insurance products and the corresponding sales volume of the second category insurance products；It is attached to give module, for attached according to preset insurance products
It gives rule and filters out classification insurance products to be pushed away from the second category insurance products found out and carry out attached give.
Optionally, it is default that the attached condition of giving of the insurance products, which includes: the corresponding insurance products of having sold of the Transaction Information,
First category insurance products and the Transaction Information in transaction value be greater than or equal to preset first price thresholds.
Optionally, the user information includes gender, age and occupation, and the area information includes zone name and current
Season.
Optionally, the attached module of giving is also used to: being calculated according to the transaction value for having sold insurance products in Transaction Information
The attached ceiling price for giving insurance products, wherein computation rule are as follows: attached to give insurance products ceiling price=transaction value * M, wherein M
For the percentage of the preset profit margin lower than the transaction value；From the second category insurance products found out, sieve
It selects transaction value and carries out attached give not higher than the attached classification insurance products to be pushed away for giving insurance products ceiling price.
Further, the present invention also proposes that a kind of server, the server include memory, processor, the storage
It is stored with that the insurance products based on big data that can be run on the processor are attached to give program on device, it is described based on big data
Insurance products are attached give realized when program is executed by the processor as the above-mentioned insurance products based on big data are attached give method
Step.
Further, to achieve the above object, the present invention also provides a kind of computer readable storage medium, the computers
Readable storage medium storing program for executing is stored with that the insurance products based on big data are attached to give program, and the insurance products based on big data are attached to give journey
Sequence can be executed by least one processor, so that at least one described processor executes the insurance as above-mentioned based on big data and produces
Product attached the step of giving method.
Compared to the prior art, the insurance products proposed by the invention based on big data are attached gives method, apparatus, server
And computer readable storage medium, can then the Transaction Information by analyzing received insurance products be obtained and meet insurance
The identity information of client corresponding to the attached Transaction Information for giving condition of product and the area information of the client location, and root
According to preset insurance products it is attached give it is regular automatic carry out that insurance products are attached to be given, thus the product for the insurance products transaction system realized
The attached intelligence and fairness given.
Detailed description of the invention
Fig. 1 is the schematic diagram of the optional hardware structure of server one of the present invention；
Fig. 2 is that the present invention is based on the attached program module schematic diagrames for giving one embodiment of program of the insurance products of big data；
Fig. 3 is that the present invention is based on the attached flow diagrams for giving one embodiment of method of the insurance products of big data.
Appended drawing reference:
| Server | 1 |
| Memory | 11 |
| Processor | 12 |
| Network interface | 13 |
| Receiving module | 201 |
| Judgment module | 202 |
| Obtain module | 203 |
| Searching module | 204 |
| It is attached to give module | 205 |
The object of the invention is realized, the embodiments will be further described with reference to the accompanying drawings for functional characteristics and advantage.
Specific embodiment
In order to make the objectives, technical solutions, and advantages of the present invention clearer, with reference to the accompanying drawings and embodiments, right
The present invention is further elaborated.It should be appreciated that described herein, specific examples are only used to explain the present invention, not
For limiting the present invention.Based on the embodiments of the present invention, those of ordinary skill in the art are not before making creative work
Every other embodiment obtained is put, shall fall within the protection scope of the present invention.
It should be noted that the description for being related to " first ", " second " etc. in the present invention is used for description purposes only, and cannot
It is interpreted as its relative importance of indication or suggestion or implicitly indicates the quantity of indicated technical characteristic.Define as a result, " the
One ", the feature of " second " can explicitly or implicitly include at least one of the features.In addition, the skill between each embodiment
Art scheme can be combined with each other, but must be based on can be realized by those of ordinary skill in the art, when technical solution
Will be understood that the combination of this technical solution is not present in conjunction with there is conflicting or cannot achieve when, also not the present invention claims
Protection scope within.
As shown in fig.1, being the schematic diagram of the optional hardware structure of server 1 one of the present invention.
The server 1 can be rack-mount server, blade server, tower server or Cabinet-type server etc.
Equipment is calculated, which can be independent server, be also possible to server cluster composed by multiple servers.
In the present embodiment, the server 1 may include, but be not limited only to, and can be in communication with each other connection by system bus and deposit
Reservoir 11, processor 12, network interface 13.
The server 1 connects network (Fig. 1 is not marked) by network interface 13, arrives other servers by network connection
Such as network server and other terminals such as end PC, mobile terminal etc..The network can be intranet
(Intranet), internet (Internet), global system for mobile communications (Global System of Mobile
Communication, GSM), wideband code division multiple access (Wideband Code Division Multiple Access,
WCDMA), the wirelessly or non-wirelessly network such as 4G network, 5G network, bluetooth (Bluetooth), Wi-Fi, speech path network.
It should be pointed out that Fig. 1 illustrates only the server 1 with component 11-13, it should be understood that simultaneously should not
Realistic to apply all components shown, the implementation that can be substituted is more or less component.
Wherein, the memory 11 includes at least a type of readable storage medium storing program for executing, and the readable storage medium storing program for executing includes
Flash memory, hard disk, multimedia card, card-type memory (for example, SD or DX memory etc.), random access storage device (RAM), it is static with
Machine accesses memory (SRAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), programmable
Read memory (PROM), magnetic storage, disk, CD etc..In some embodiments, the memory 11 can be the clothes
The internal storage unit of business device 1, such as the hard disk or memory of the server 1.In further embodiments, the memory 11
It can be the External memory equipment of the server 1, such as the plug-in type hard disk that the server 1 is equipped with, intelligent memory card
(Smart Media Card, SMC), secure digital (Secure Digital, SD) card, flash card (Flash Card) etc..When
So, the memory 11 can also both including the server 1 internal storage unit and also including its External memory equipment.This reality
It applies in example, the memory 11 is installed on the operating system and types of applications software of the server 1 commonly used in storage, such as
The attached program code etc. for giving program of insurance products based on big data.In addition, the memory 11 can be also used for temporarily depositing
Store up the Various types of data that has exported or will export.
The processor 12 can be in some embodiments central processing unit (Central Processing Unit,
CPU), controller, microcontroller, microprocessor or other data processing chips.The processor 12 is commonly used in the control clothes
The overall operation of business device 1, such as execute data interaction or the relevant control of communication and processing etc..In the present embodiment, the place
Reason device 12 is used to run the program code stored in the memory 11 or processing data, such as is counted described in operation based on big
According to insurance products attached give program etc..
The network interface 13 may include radio network interface or wired network interface, which is commonly used in
Communication is established between mobile terminal etc. in the server 1 and other servers such as network server and other terminals such as end PC
Connection.
In the present embodiment, when being installed in the server 1 and running that the insurance products based on big data are attached to give program, when
The insurance products based on big data are attached when giving program operation, by analyzing the Transaction Information of received insurance products, then
Obtain the identity information and the client location for meeting client corresponding to the attached Transaction Information for giving condition of insurance products
Area information, and according to preset insurance products it is attached give it is regular automatic carry out that insurance products are attached to be given, thus the insurance products realized
The attached intelligence and fairness given of the product of transaction system.
So far, oneself is through describing the application environment of each embodiment of the present invention and the hardware configuration and function of relevant device in detail
Energy.In the following, above-mentioned application environment and relevant device will be based on, each embodiment of the invention is proposed.
Firstly, the present invention, which proposes that a kind of insurance products based on big data are attached, gives program.
As shown in fig.2, being that the present invention is based on the attached Program modual graphs for giving one embodiment of program of the insurance products of big data.
In the present embodiment, the insurance products based on big data are attached, and to give program include a series of being stored in memory 11
On computer program instructions, when the computer program instructions by processor 12 execute when, various embodiments of the present invention may be implemented
The insurance products based on big data attached give operation.In some embodiments, real based on computer program instructions each section institute
Existing specific operation, the attached program of giving of the insurance products based on big data can be divided into one or more modules.For example,
In Fig. 2, the attached program of giving of the insurance products based on big data can be divided into receiving module 201, judgment module 202, obtain
Modulus block 203, searching module 204 and attached give module 205.Wherein:
The receiving module 201, for receiving the Transaction Information for having sold insurance products of user's input.
Specifically, in the present embodiment, user directly inputs the friendship of insurance products by the interactive interface of the server 1
Easy information, or when user passes through other terminal devices such as end PC that the server 1 connects, the equipment such as mobile terminal are carried out
When selling the Transaction Information typing of insurance products, the receiving module 201 then be can receive by other terminal devices such as PC
End, the Transaction Information for having sold insurance products for user's input that the equipment such as mobile terminal obtain.
Judgment module 202, for judging whether the Transaction Information meets that preset insurance products are attached to give condition.
Specifically, the receiving module 201 after receiving the Transaction Information of typing, then can by the judgment module 202
Further judge the client of the Transaction Information whether meet it is preset it is attached give condition, described attached give condition when the client meets
When, it can just trigger and the attached selection for giving product is carried out to the client and attached is given.Therefore, it is produced in the insurance of having sold for receiving user's input
After the Transaction Information of product, the module 202 first determines whether the client meets and attached gives condition.In the present embodiment
In, the module 202 judge client whether meet it is attached give condition, specifically judge that the Transaction Information is corresponding and sold guarantor
Dangerous product is that the transaction value in preset first category insurance products and the Transaction Information is greater than or equal to preset the
One price thresholds.When the transaction for the insurance products that the insurance products of client purchase are first category insurance products and purchase
When price is greater than or equal to first price thresholds, the judgment module 202, which then judges the client and meets, attached gives condition.Example
Such as: giving condition setting when attached are as follows: when having purchased insurance products A or B and price and being greater than or equal to 100, then will do it other insurances
Product is attached to be given.So, only when client, which has purchased price, is higher than 100 A or B, just meet and attached give condition.
The acquisition module 203 obtains the transaction for meeting when insurance products are attached to give condition in the Transaction Information
The area information of the identity information of the corresponding client of information and the client location.
Specifically, when the judgment module 202 judge the client meet it is attached give condition after, the acquisition module
The area information of 203 identity informations that can obtain the corresponding client of the Transaction Information and the client location.At this
In embodiment, after client buys insurance products, identity informations such as gender, age, occupation of the client etc. also can be as transaction letter
The element of breath is entered into the server 1, and the server 1 can then record the identity informations such as the gender of the client, age, occupation
Enter to user-product database and stores.In the present embodiment, the user-product database can be set in the clothes
It is engaged in device 1, and in other embodiments, the user-product database can also be used as individual system setup, and the clothes
Business device 1 is then communicatively coupled with the individual system.After client buys insurance products, when judgment module 202 is judged
The client meet it is attached give condition, then the acquisition module 203 can obtain the corresponding area information of the client from network server
As (in other embodiments, area information can be insurance products valid region, be also possible to visitor for zone name, season information
The permanent address of family registration), and the identity letter such as gender, age, occupation for obtaining from the user-product database client
Breath.
The searching module 204 corresponds to the identity information and region letter for finding out in preset time period
The second category insurance products of breath and the corresponding sales volume of the second category insurance products.It is described it is attached give module 205, be used for basis
The attached rule of giving of preset insurance products filters out classification insurance products to be pushed away from the second category insurance products found out
Carry out attached give.
Specifically, the server 1 pre-sets the attached of insurance products and gives rule.In the present embodiment, described attached to give
Rule is: being believed according to identity such as zone name locating for the client, the gender of season information and the client, age, occupations
The best second category insurance products of the sales volume for the identity information that the same time period that breath searches previous year is applicable in the client,
Then it selects to protect with the second category of the preset percentage price of the transaction value of the first category insurance products of client purchase
Dangerous product carries out attached give.It in the present embodiment, is to be calculated attached to give insurance according to the transaction value of insurance products in Transaction Information
The ceiling price of product, wherein computation rule are as follows: attached to give insurance products ceiling price=transaction value * M, wherein M is preset
Lower than the percentage of the profit margin of the transaction value.After calculating the attached ceiling price for giving insurance products, then from the institute found out
State in second category insurance products, filter out transaction value not higher than the attached insurance products for giving insurance products ceiling price into
Row is attached to be given.
Such as: 25 years old office cadette client has purchased in Shanghai client included in first category in spring
Insurance products A or B and price in insurance products have just reached threshold value 100, meet and attached give condition.Therefore, the lookup
Module 204 can then find out preset time period corresponding to the identity information and described according to area information and client identity information
The second category insurance products of area information and the corresponding sales volume of the second category insurance products, it is in the present embodiment, described
Searching module 204 then can be with Shanghai, and in spring, (age bracket is set in advance: such as 10 years old hereinafter, 10- for female, 20-28 age bracket
15,15-20,20-28,28-45,45-65, over-65s), office staff be element insurance products all to previous year
Sales information screened.Then the data of screening are ranked up again, such as: screening previous year Spring of Shanghai sale
In insurance products, be applicable in the insurance products of office's working women of 20-28 age bracket, meet the identity information and region
The insurance products of information include C, the sales volume highest of tri- kinds of insurance products of D, E.Then, described attached to give module 205 then according to institute
The element " not higher than the preset percentage price of the insurance products of purchase " is stated to be selected again, in the present embodiment, client
The product price of purchase is 100, preset percentage 20%, then " not higher than the preset percentage price of the insurance products of purchase "
For not higher than 20, moreover, the C sold in previous year, D, the transaction value of E insurance products is respectively 30,20,20.So,
The attached module 205 of giving can be according to giving condition, screening and sequencing D, E, finally then selects that D or E is attached to give the client.Its
In, selection mode, which can be random selection, can also be supplied to client's actively selection, here with no restrictions.
It will be recalled from above that Transaction Information of the server 1 by the received insurance products of analysis, then obtains and meets guarantor
The identity information of client corresponding to the attached Transaction Information for giving condition of dangerous product and the area information of the client location, and
According to preset insurance products it is attached give it is regular automatic carry out that insurance products are attached to be given, thus the production for the insurance products transaction system realized
The attached intelligence and fairness given of product.
Certainly, in other embodiments, the insurance products based on big data are attached gives program also and can be set into one
Insurance products based on big data are attached to give device, which, which includes that the insurance products based on big data are attached, gives all of program
The one-to-one functional module of program module.The attached device of giving of the insurance products based on big data can be used as independent function list
Member is attached on network on any appliance, in order to execute O&M operation to network.
In addition, the present invention, which also proposes that a kind of insurance products based on big data are attached, gives method, the method is applied to service
Device.
As shown in fig.3, being that the present invention is based on the attached flow diagrams for giving one embodiment of method of the insurance products of big data.
In the present embodiment, the execution sequence of the step in flow chart shown in Fig. 3 can change according to different requirements, Mou Xiebu
Suddenly it can be omitted.
Step S500 receives the Transaction Information for having sold insurance products of user's input.
Specifically, in the present embodiment, user directly inputs the friendship of insurance products by the interactive interface of the server
Easy information, or when other terminal devices such as end PC that user is connected by the server, the equipment such as mobile terminal are carried out
When selling the Transaction Information typing of insurance products, then it can receive by other described terminal devices such as end PC, the equipment such as mobile terminal
The Transaction Information for having sold insurance products of user's input of acquisition.
Step S502 judges whether the Transaction Information meets that preset insurance products are attached to give condition.
Specifically, after receiving the Transaction Information of typing, then it can further judge that the client of the Transaction Information is
It is no meet it is preset it is attached give condition, when the client meet it is described it is attached give condition when, can just trigger and the client attached give
It the selection of product and attached gives.Therefore, receive user's input sold the Transaction Information of insurance products after, first determine whether described
Whether client, which meets, attached is given condition.In the present embodiment, judge client whether meet it is attached give condition, specifically judge the transaction
The corresponding insurance products of having sold of information are the transaction value height in preset first category insurance products and the Transaction Information
In or equal to preset first price thresholds.When the insurance products of client purchase are first category insurance products and are bought
When the transaction value of the insurance products is greater than or equal to first price thresholds, then judges the client and meet and attached give condition.
Such as: condition setting is given when attached are as follows: when having purchased insurance products A or B and price and being greater than or equal to 100, then will do it other guarantors
Dangerous product is attached to be given.So, only when client, which has purchased price, is higher than 100 A or B, just meet and attached give condition.
Step S504 meets when insurance products are attached to give condition in the Transaction Information and obtains the corresponding visitor of the Transaction Information
The area information of the identity information at family and the client location.
Specifically, when judge the client meet it is attached give condition after, then it is corresponding further to obtain the Transaction Information
Client identity information and the client location area information.In the present embodiment, after client buys insurance products,
Identity informations such as gender, age, the occupation of the client etc. can also be entered into the server as the element of Transaction Information, described
The identity informations such as the gender of the client, age, occupation can be then entered into user-product database and stored by server.?
In the present embodiment, the user-product database be can be set in the server, and in other embodiments, the use
Family-product database can also be used as individual system setup, and the server then carries out communication link with the individual system
It connects.Client buy insurance products after, when judge the client meet it is attached give condition, then further can be from network server
Obtaining the corresponding area information of the client such as zone name, season information, (in other embodiments, area information can be insurance
Product valid region is also possible to the permanent address of client's registration), and obtain the client's from the user-product database
The identity informations such as gender, age, occupation.
Step S506 finds out the second category for corresponding to the identity information and the area information in preset time period
Insurance products and the corresponding sales volume of the second category insurance products.
Step S508 is sieved from the second category insurance products found out according to the attached rule of giving of preset insurance products
It selects classification insurance products to be pushed away and carries out attached give.
Specifically, the server pre-sets the attached of insurance products and gives rule.In the present embodiment, described attached to give rule
It is then: step S506 zone name according to locating for the client, season information and gender, age, the occupation of the client etc.
The best second category of the sales volume for the identity information that the same time period that identity information searches previous year is applicable in the client is protected
Dangerous product, the preset percentage valence of the transaction value for the first category insurance products that then step S508 selection is bought with the client
The second category insurance products of lattice carry out attached give.In the present embodiment, step S508 is according to the friendships of insurance products in Transaction Information
Easy calculation of price goes out the attached ceiling price for giving insurance products, wherein computation rule are as follows: attached to give insurance products ceiling price=transaction
Price * M, wherein M is the percentage of the preset profit margin lower than the transaction value.Calculate the attached highest price for giving insurance products
After lattice, then from the second category insurance products found out, transaction value is filtered out not higher than described and attached gives insurance products
The insurance products of ceiling price carry out attached give.
Such as: 25 years old office cadette client has purchased in Shanghai client included in first category in spring
Insurance products A or B and price in insurance products have just reached threshold value 100, meet and attached give condition.Therefore, step S506
Preset time period can be then found out according to area information and client identity information to believe corresponding to the identity information and the region
The second category insurance products of breath and the corresponding sales volume of the second category insurance products, in the present embodiment, step S506 is then
Can be with Shanghai, spring, female, 20-28 age bracket (age bracket is set in advance: such as 10 years old hereinafter, 10-15,15-20,20-28,
28-45,45-65,65 years old or more), the sales information that office staff is element insurance products all to previous year carries out
Screening.Then the data of screening are ranked up again, such as: in the insurance products of screening previous year Spring of Shanghai sale, fit
With the insurance products of office's working women with 20-28 age bracket, the insurance for meeting the identity information and area information is produced
Product include C, the sales volume highest of tri- kinds of insurance products of D, E.Then, step S508 is then according to " not higher than the insurance of purchase
The element of the preset percentage price of product " is selected again, and in the present embodiment, the product price of client's purchase is 100,
Preset percentage is 20%, then is not higher than 20, moreover, upper " not higher than the preset percentage price of the insurance products of purchase "
The C sold in one year, D, the transaction value of E insurance products are respectively 30,20,20.So, step S508 meeting basis gives item
Part, screening and sequencing D, E finally then select that D or E is attached to give the client.Wherein, selection mode can be random selection
Client can be supplied to actively to select, here with no restrictions.
The insurance products based on big data that the present embodiment is proposed are attached to give method, can be produced by analyzing received insurance
Then the Transaction Information of product obtains identity information and the institute for meeting client corresponding to the attached Transaction Information for giving condition of insurance products
State the area information of client location, and according to preset insurance products it is attached give it is regular it is automatic carry out that insurance products are attached to be given, from
And the attached intelligence and fairness given of product for the insurance products transaction system realized.
The serial number of the above embodiments of the invention is only for description, does not represent the advantages or disadvantages of the embodiments.
Through the above description of the embodiments, those skilled in the art can be understood that above-described embodiment side
Method can be realized by means of software and necessary general hardware platform, naturally it is also possible to by hardware, but in many cases
The former is more preferably embodiment.Based on this understanding, technical solution of the present invention substantially in other words does the prior art
The part contributed out can be embodied in the form of software products, which is stored in a storage medium
In (such as ROM/RAM, magnetic disk, CD), including some instructions are used so that a terminal device (can be mobile phone, computer, clothes
Business device, air conditioner or the network equipment etc.) execute method described in each embodiment of the present invention.
The above is only a preferred embodiment of the present invention, is not intended to limit the scope of the invention, all to utilize this hair
Equivalent structure or equivalent flow shift made by bright specification and accompanying drawing content is applied directly or indirectly in other relevant skills
Art field, is included within the scope of the present invention.
Claims (10)
1. a kind of insurance products based on big data are attached to give method, it is applied to server, which is characterized in that the method includes steps
It is rapid:
Receive the Transaction Information for having sold insurance products of user's input；
Judge whether the Transaction Information meets that preset insurance products are attached to give condition；
When the Transaction Information meets the insurance products are attached to give condition when, obtain the identity of the corresponding client of the Transaction Information
The area information of information and the client location；
Find out second category insurance products and the institute for corresponding to the identity information and the area information in preset time period
State the corresponding sales volume of second category insurance products；
Classification to be pushed away is filtered out from the second category insurance products found out according to the attached rule of giving of preset insurance products
Insurance products carry out attached give.
2. the insurance products based on big data are attached as described in claim 1 gives method, which is characterized in that the insurance products are attached
The condition of giving includes: that the corresponding insurance products of having sold of the Transaction Information are preset first category insurance products and the transaction
Transaction value in information is greater than or equal to preset first price thresholds.
3. the insurance products based on big data are attached as described in claim 1 gives method, which is characterized in that the user information packet
Gender, age and occupation are included, the area information includes zone name and current season.
4. the insurance products based on big data are attached as described in claim 1 gives method, which is characterized in that described " according to pre-
If insurance products it is attached give rule filtered out from the second category insurance products found out classification insurance products to be pushed away into
Row attached is given " step comprising steps of
The attached ceiling price for giving insurance products is calculated according to the transaction value for having sold insurance products in Transaction Information, wherein calculating
Rule are as follows: attached to give insurance products ceiling price=transaction value * M, wherein M is the preset profit margin lower than the transaction value
Percentage；
From the second category insurance products found out, transaction value is filtered out not higher than described and attached gives insurance products highest
The classification insurance products to be pushed away of price carry out attached give.
5. a kind of insurance products based on big data are attached to give device, which is characterized in that described device includes:
Receiving module, for receiving the Transaction Information for having sold insurance products of user's input；
Judgment module, for judging whether the Transaction Information meets that preset insurance products are attached to give condition；
Module is obtained, obtains the corresponding visitor of the Transaction Information for meeting when insurance products are attached to give condition in the Transaction Information
The area information of the identity information at family and the client location；
Searching module, for finding out the second category for corresponding to the identity information and the area information in preset time period
Insurance products and the corresponding sales volume of the second category insurance products；
It is attached to give module, for being sieved from the second category insurance products found out according to the attached rule of giving of preset insurance products
It selects classification insurance products to be pushed away and carries out attached give.
6. the insurance products based on big data are attached as claimed in claim 5 gives device, which is characterized in that the insurance products are attached
The condition of giving includes: that the corresponding insurance products of having sold of the Transaction Information are preset first category insurance products and the transaction
Transaction value in information is greater than or equal to preset first price thresholds.
7. the insurance products based on big data are attached as claimed in claim 5 gives device, which is characterized in that the user information packet
Gender, age and occupation are included, the area information includes zone name and current season.
8. the insurance products based on big data are attached as claimed in claim 5 gives device, which is characterized in that described attached to give module also
For:
The attached ceiling price for giving insurance products is calculated according to the transaction value for having sold insurance products in Transaction Information, wherein calculating
Rule are as follows: attached to give insurance products ceiling price=transaction value * M, wherein M is the preset profit margin lower than the transaction value
Percentage；
From the second category insurance products found out, transaction value is filtered out not higher than described and attached gives insurance products highest
The classification insurance products to be pushed away of price carry out attached give.
9. a kind of computer equipment, which is characterized in that the computer equipment includes memory, processor, on the memory
It is stored with that the insurance products based on big data that can be run on the processor are attached to give program, the insurance based on big data
Product attached give realizes that the insurance according to any one of claims 1-4 based on big data produces when program is executed by the processor
Product attached the step of giving method.
10. a kind of computer readable storage medium, which is characterized in that the computer-readable recording medium storage has based on big number
According to insurance products it is attached give program, the attached program of giving of the insurance products based on big data can be executed by least one processor,
It is given so that at least one described processor is executed as the insurance products of any of claims 1-4 based on big data are attached
The step of method.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811303411.2A CN109214940A (en) | 2018-11-02 | 2018-11-02 | Insurance products based on big data are attached to give method and server |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811303411.2A CN109214940A (en) | 2018-11-02 | 2018-11-02 | Insurance products based on big data are attached to give method and server |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN109214940A true CN109214940A (en) | 2019-01-15 |
Family
ID=64994226
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201811303411.2A Pending CN109214940A (en) | 2018-11-02 | 2018-11-02 | Insurance products based on big data are attached to give method and server |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN110288484A (en) * | 2019-04-02 | 2019-09-27 | 上海瀚之友信息技术服务有限公司 | A kind of the user's recommended method and system of the insurance classification based on big data platform |
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| CN108230163A (en) * | 2018-01-02 | 2018-06-29 | 中国平安人寿保险股份有限公司 | Insurance products promotion method, device, equipment and computer readable storage medium |
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