CN109285082A - Insurance products recommended method, device and computer readable storage medium - Google Patents
Insurance products recommended method, device and computer readable storage medium Download PDFInfo
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- CN109285082A CN109285082A CN201811121389.XA CN201811121389A CN109285082A CN 109285082 A CN109285082 A CN 109285082A CN 201811121389 A CN201811121389 A CN 201811121389A CN 109285082 A CN109285082 A CN 109285082A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/08—Insurance
Abstract
The present invention relates to big data technical fields, disclose a kind of insurance products recommended method, this method comprises: obtaining the customer information of target customer；According to the corresponding demand for insurance algorithm of the default guarantee of target insurance kind, protection amount should be had on default ensure according to customer information calculating target customer；According to the insured amount and current protection amount for having bought insurance of target customer's should have in each default guarantee, it is insured amount to calculate missing of the target customer on default ensure；It is insured amount according to missing of the target customer on default ensure, and the default insured amount data of enumerating for ensureing corresponding insurance products, selection can supplement missing it is insured amount enumerate insured amount data；Insurance products are enumerated into insured amount data recommendation to target customer with what is selected.The present invention also proposes a kind of insurance products recommendation apparatus and a kind of computer readable storage medium.The suggested design that the present invention solves insurance products is difficult to realize the technical issues of full-scope safeguards to client.
Description
Technical field
The present invention relates to field of computer technology more particularly to a kind of insurance products recommended method, device and computer can
Read storage medium.
Background technique
It for the mainstream proposed algorithm of frequent customer, is calculated by the collaborative filtering based on client at present in insurance industry
Method or collaborative filtering based on article, combining classification model are recommended, and this way of recommendation based on client's hobby exists
Electric business field is very effective, but the guarantee property of the products characteristics and insurance for insurance industry, client are actually really closed
The heart is oneself either with or without by full-scope safeguards, and this way of recommendation based on client's hobby is difficult to realize to the comprehensive of client
It ensures.
Summary of the invention
The present invention provides a kind of insurance products recommended method, device and computer readable storage medium, main purpose and exists
In solve insurance products suggested design be difficult to realize the full-scope safeguards to client the technical issues of.
To achieve the above object, the present invention also provides a kind of insurance products recommended methods, this method comprises:
Obtain the customer information of target customer；
According to the corresponding demand for insurance algorithm of the default guarantee of target insurance kind, the target is calculated according to the customer information
Client should have protection amount on default ensure, wherein the target insurance kind includes multiple default guarantees, and each default ensure has
Corresponding demand for insurance algorithm；
According to the insured amount and current protection amount for having bought insurance of the target customer should have in each default guarantee, calculate
Missing of the target customer on default ensure is insured amount；
It is insured amount according to missing of the target customer on default ensure, and default piece for ensureing corresponding insurance products
Lift insured amount data, selection can supplement the missing it is insured amount enumerate insured amount data；
The insurance products are enumerated into insured amount data recommendation to the target customer with what is selected.
Optionally, described to there is protection amount to buy insurance with current in each default guarantee according to the target customer
Protection amount, calculating the insured amount step of missing of the target customer on default ensure includes:
If the target customer is new client, the protection amount that the target customer has currently bought is zero, will be calculated
The target customer should have in each default guarantee it is insured amount insured amount as missing；
If the target customer is frequent customer, the declaration form data for the insurance products that target customer has bought are obtained；
Art information in the declaration form data is analyzed, with the existing default guarantee of the determination target customer,
And according to the existing protection amount in the existing default guarantee of declaration form data acquisition；
According to the insured amount and existing protection amount of the target customer should have in each default guarantee, the target customer is calculated
Missing in each default guarantee is insured amount.
Optionally, the words art information is the product clause in declaration form data, described to art in the declaration form data
Information is analyzed, with the existing default guarantee of the determination target customer, and according to the existing default guarantor of declaration form data acquisition
The step of existing protection amount on barrier includes:
The product clause in the declaration form data is obtained, judges whether there is predetermined keyword in the product clause；
If having predetermined keyword in the product clause, determine that the target customer has and the predetermined keyword pair
The default guarantee answered；
The default existing protection amount ensured according to declaration form data acquisition.
Optionally, the missing protection amount according to the target customer on default ensure, and default guarantee are corresponding
Insurance products enumerate insured amount data, and what selection can supplement the missing protection amount includes: the step of enumerating insured amount data
Determine the default priority ensured, and it is default ensure corresponding insurance products enumerate insured amount data；
It is according to missing of the target customer on default ensure insured amount, according to default guarantee priority from high to low
Sequentially, successively select the default insurance products ensured enumerates insured amount data, wherein selects according to for the high default guarantee of priority
That selects enumerates insured amount data, is that insured amount data are enumerated in the insurance products selection for the default guarantee that priority is taken second place, up to selection
The missing protection amount of each default guarantee can be supplemented by enumerating insured amount data.
Optionally, the customer information includes client's revenue and expenditure information, and client's revenue and expenditure information includes personal annual income, a
Man-year expenditure and family year expenditure；The default guarantee includes: die guarantee, weight disease guarantee, disabled guarantee and medical security.
In addition, to achieve the above object, the present invention also provides a kind of insurance products recommendation apparatus, which includes memory
And processor, the Products Show program that can be run on the processor, the Products Show journey are stored in the memory
Sequence realizes following steps when being executed by the processor:
Obtain the customer information of target customer；
According to the corresponding demand for insurance algorithm of the default guarantee of target insurance kind, the target is calculated according to the customer information
Client should have protection amount on default ensure, wherein the target insurance kind includes multiple default guarantees, and each default ensure has
Corresponding demand for insurance algorithm；
According to the insured amount and current protection amount for having bought insurance of the target customer should have in each default guarantee, calculate
Missing of the target customer on default ensure is insured amount；
It is insured amount according to missing of the target customer on default ensure, and default piece for ensureing corresponding insurance products
Lift insured amount data, selection can supplement the missing it is insured amount enumerate insured amount data；
The insurance products are enumerated into insured amount data recommendation to the target customer with what is selected.
Optionally, described to there is protection amount to buy insurance with current in each default guarantee according to the target customer
Protection amount, calculating the insured amount step of missing of the target customer on default ensure includes:
If the target customer is new client, the protection amount that the target customer has currently bought is zero, will be calculated
The target customer should have in each default guarantee it is insured amount insured amount as missing；
If the target customer is frequent customer, the declaration form data for the insurance products that target customer has bought are obtained；
Art information in the declaration form data is analyzed, with the existing default guarantee of the determination target customer,
And according to the existing protection amount in the existing default guarantee of declaration form data acquisition；
According to the insured amount and existing protection amount of the target customer should have in each default guarantee, the target customer is calculated
Missing in each default guarantee is insured amount.
Optionally, the words art information is the product clause in declaration form data, described to art in the declaration form data
Information is analyzed, with the existing default guarantee of the determination target customer, and according to the existing default guarantor of declaration form data acquisition
The step of existing protection amount on barrier includes:
The product clause in the declaration form data is obtained, judges whether there is predetermined keyword in the product clause；
If having predetermined keyword in the product clause, determine that the target customer has and the predetermined keyword pair
The default guarantee answered；
The default existing protection amount ensured according to declaration form data acquisition.
Optionally, the missing protection amount according to the target customer on default ensure, and default guarantee are corresponding
Insurance products enumerate insured amount data, and what selection can supplement the missing protection amount includes: the step of enumerating insured amount data
Determine the default priority ensured, and it is default ensure corresponding insurance products enumerate insured amount data；
It is according to missing of the target customer on default ensure insured amount, according to default guarantee priority from high to low
Sequentially, successively select the default insurance products ensured enumerates insured amount data, wherein selects according to for the high default guarantee of priority
That selects enumerates insured amount data, is that insured amount data are enumerated in the insurance products selection for the default guarantee that priority is taken second place, up to selection
The missing protection amount of each default guarantee can be supplemented by enumerating insured amount data.
In addition, to achieve the above object, it is described computer-readable the present invention also provides a kind of computer readable storage medium
Products Show program is stored on storage medium, the Products Show program can be executed by one or more processor, with reality
Now the step of insurance products recommended method as described above.
Insurance products recommended method, device and computer readable storage medium proposed by the present invention, obtain target customer's
Customer information；According to the corresponding demand for insurance algorithm of the default guarantee of target insurance kind, target customer is calculated according to customer information and is existed
There should be protection amount in default guarantee, wherein target insurance kind includes multiple default guarantees, and each default guarantee has corresponding insurance
Demand algorithm；According to the insured amount and current protection amount for having bought insurance of target customer's should have in each default guarantee, mesh is calculated
It is insured amount to mark missing of the client on default ensure；It is insured amount according to missing of the target customer on default ensure, and default guarantee
Corresponding insurance products enumerate insured amount data, selection can supplement missing it is insured amount enumerate insured amount data；By insurance products and
Selection enumerates insured amount data recommendation to target customer.The present invention calculates client in each default guarantor by client's revenue and expenditure information
There should be protection amount on barrier, and then the protection amount that user currently lacks can be calculated, be that user recommends energy according to insured amount data are enumerated
Supplement the insured amount product of these missings enough to realize the full-scope safeguards to client, the suggested design for solving insurance products is difficult to reality
Now to the full-scope safeguards of client the technical issues of.
Detailed description of the invention
Fig. 1 is the flow diagram for the insurance products recommended method that one embodiment of the invention provides；
Fig. 2 is the schematic diagram of internal structure for the insurance products recommendation apparatus that one embodiment of the invention provides；
The module diagram of Products Show program in the insurance products recommendation apparatus that Fig. 3 provides for one embodiment of the invention.
The embodiments will be further described with reference to the accompanying drawings for the realization, the function and the advantages of the object of the present invention.
Specific embodiment
It should be appreciated that the specific embodiments described herein are merely illustrative of the present invention, it is not intended to limit the present invention.
The present invention provides a kind of insurance products recommended method.It is the insurance that one embodiment of the invention provides shown in referring to Fig.1
The flow diagram of Products Show method.This method can be executed by a device, which can be by software and/or hardware reality
It is existing.
In the present embodiment, insurance products recommended method includes:
Step S10 obtains the customer information of target customer.
Step S20 is calculated according to the corresponding demand for insurance algorithm of the default guarantee of target insurance kind according to the customer information
The target customer should have protection amount on default ensure, wherein the target insurance kind includes multiple default guarantees, each pre-
If guarantee has corresponding demand for insurance algorithm.
Step S30 has bought insurance with current according to the target customer should have in each default guarantee is insured amount
It is insured amount to calculate missing of the target customer on default ensure for protection amount.
In the embodiment of the present invention by taking default insurance kind is life insurance as an example, it is assumed that following four of the life insurance covering of an insurance company is pre-
If ensureing: guarantee of dieing, weight disease guarantee, disabled guarantee and medical security calculate the visitor according to the customer information of a client
Family needs that buys in each default guarantee should have protection amount, this should have protection amount to be required to meet family's need of the client
It asks.Customer information of the invention includes but is not limited to following information: age, gender and client's revenue and expenditure information, wherein client's revenue and expenditure
Information includes personal annual income, a man-year expenditure and family year expenditure etc..
It is that default ensure is provided with demand for insurance algorithm in the present invention, for die guarantee and disabled guarantee, according to
Calculating is propped up out by the age of user, personal annual income, a man-year expenditure and family year should protection amount.Specifically, it can use
Value of life method or the members of the deceased's family need method to calculate.By taking value of life method as an example, it is assumed that insurant Zhang San 30 years old now, year received
Enter is 100,000, it is intended to retirement in 60 years old.If Zhang San is now dead, the income in the following all one's life can be reduced: 100,000 × (60-30)=
3000000.If current family year expenditure is 50,000, wherein having 20,000 for the personal expenditure of Zhang San, 30,000 be the expenditure of other households,
The expenditure that then Zhang San's death can be reduced is 20,000 × (60-30)=600,000, so the net income that should be made up=3,000,000-60 ten thousand=
2400000.There should be protection amount with what deformity ensured using the net income that should be made up being calculated as guarantee is die.
For weight disease ensures, there should be the presupposition multiple of the insured amount annual income that can be set to the target customer, this
Presupposition multiple can be arranged according to the actual situation by insurance company.Such as presupposition multiple=5, why weight disease guarantee is set in this way
If allowing for client suffers from weight disease, do not work within 5 years, after 5 years the case where rehabilitation, the protection amount in weight disease guarantee is required to more
The loss that subsequent collection enters.
For medical security, due under normal circumstances, what medical security was not measured using amount, it divides
For subsidy type medical insurance and expense type medical insurance, both insurances all should have insurance as client.It is subsequent according to visitor
The purchaser record at family judges whether user has purchased both insurances, and the medical insurance that do not buy is exactly due missing
Insurance, presets subsidy type medical insurance product and expense type medical insurance product with different protection amounts, can be by these
The list of product is pushed to user, selects product as needed by user oneself.Therefore, user is being calculated in medical security
It when insured amount, can be indicated with 0 and 1, for example, if it is 0 that user, which currently without above two insurance is bought, has insured amount,
Any one of the above insurance is had purchased, then having insured amount is 1, and two kinds of insurances all have purchased, then insured amount is 2, and the medical treatment of user is protected
Should having insured amount for barrier is 2.
The present invention is directed to different types of target customer, using different missing protection amount calculation methods.Target customer includes
Two classes: new client and frequent customer, therefore step S30 may include following refinement step:
If the target customer is new client, the protection amount that the target customer has currently bought is zero, will be calculated
The target customer should have in each default guarantee it is insured amount insured amount as missing；If the target customer is frequent customer,
Then obtain the declaration form data for the insurance products that target customer has bought；Art information in the declaration form data is analyzed,
With the existing default guarantee of the determination target customer, and has guarantor according in the existing default guarantee of declaration form data acquisition
Volume；According to the insured amount and existing protection amount of the target customer should have in each default guarantee, the target customer is calculated each
Missing in a default guarantee is insured amount.
Further, art information in the declaration form data is analyzed, with determination, the target customer is existing
It is default to ensure, and include: to obtain the declaration form according to the step of the existing protection amount in the existing default guarantee of declaration form data acquisition
Product clause in data judges whether there is predetermined keyword in the product clause；If having default pass in the product clause
Keyword then determines that the target customer has default guarantee corresponding with the predetermined keyword.
For example, predetermined keyword is " weight disease ", " dieing ", " deformity ", " medical treatment ".For frequent customer, according to the body of client
Part identification information, obtains the declaration form data for the life insurance that the client has bought, in these declaration form data from database
Whether art is analyzed, and art is mainly the product clause in declaration form in the present invention, judge to have in product clause above-mentioned default
Several predetermined keywords.For example, if having following content in product clause: " insurant dies ", " insurant occurs specific
Weight disease ", then can detecte has " dieing " and " weight disease " in product clause, then may determine that user had purchased die danger with
Serious illness insurance, i.e. user have had die guarantee and weight disease guarantee.Next user is judged according to the insured amount information in declaration form data
These the specific protection amounts ensured having had calculate client respectively in each default guarantor according to that should have insured amount and existing protection amount
Missing on barrier is insured amount.
Step S40, it is insured amount according to missing of the target customer on default ensure, and the corresponding insurance of default guarantee
Product enumerates insured amount data, selection can supplement the missing it is insured amount enumerate insured amount data.
The insurance products are enumerated insured amount data recommendation to the target customer with what is selected by step S50.
Obtain missing it is insured amount after, insured amount according to missing is that user matches suitable insurance products and corresponding enumerates guarantor
Specified number evidence.Specifically, step S40 includes following refinement step:
Determine the default priority ensured, and it is default ensure corresponding insurance products enumerate insured amount data；
It is according to missing of the target customer on default ensure insured amount, according to default guarantee priority from high to low
Sequentially, successively select the default insurance products ensured enumerates insured amount data, wherein selects according to for the high default guarantee of priority
That selects enumerates insured amount data, is that insured amount data are enumerated in the insurance products selection for the default guarantee that priority is taken second place, up to selection
The missing protection amount of each default guarantee can be supplemented by enumerating insured amount data.
Because being related to the rule of insuring of insurance, the guarantee amount of the insurance products in this programme is to enumerate in advance,
Then it is ensured according to the missing of user and is matched with the data that big data has been enumerated, the data enumerated have very much, when matching
The algorithm used is that successively distance calculates according to the priority sequence from high to low of default guarantee, preset the priority that ensures by
High to low is successively to weigh disease, die, is disabled, medical treatment.In addition, it should be noted that, an insurance products are general in practical application
The guarantee that can be related to more than one or two.
Such as: for a certain insurance products (being related to weight disease guarantee, die guarantee and disabled guarantee), enumerate insured amount data
Are as follows:
Data 1: weight disease supplement 300,000, supplement 300,000 of dieing, deformity supplement 200,000
Data 2: weight disease supplement 300,000, supplement 300,000 of dieing, deformity supplement 300,000
Data 3: weight disease supplement 300,000, supplement 400,000 of dieing, deformity supplement 200,000
Data 4: weight disease supplement 350,000, supplement 300,000 of dieing, deformity supplement 300,000
Assuming that the weight disease notch of target customer is 300,000 by calculating, notch of dieing is 320,000, and disabled notch is 300,000.
The heavy disease distance that client enumerates insured amount data with 4 is so calculated, screening remains data 1,2,3 for the first time, eliminates data
4, the distance of dieing of client and this remaining 3 data are then calculated, programmed screening remains data 1 and data 2, eliminates number
According to 3, similarly, the disabled distance of remaining two datas and client is final to retain data 1 after screening for the third time, then will be use
Family recommends the insurance products, and recommending data 1 enumerates insured amount data.Further, it is also possible to age and gender in conjunction with client
Information further can also calculate such protection amount for client and need that how many premium paid.
The insurance products recommended method that the present embodiment proposes, obtains the customer information of target customer；According to target insurance kind
It is default to ensure corresponding demand for insurance algorithm, protection amount should be had on default ensure according to customer information calculating target customer,
In, target insurance kind includes multiple default guarantees, and each default guarantee has corresponding demand for insurance algorithm；Existed according to target customer
There should be protection amount that is insured amount and currently having bought insurance in each default guarantee, calculate missing of the target customer on default ensure
It is insured amount；It is insured amount according to missing of the target customer on default ensure, and it is default ensure corresponding insurance products enumerate protection amount
Data, selection can supplement missing it is insured amount enumerate insured amount data；By insurance products and selection enumerate insured amount data recommendation to
Target customer.The present invention, which calculates client in each default guarantee by client's revenue and expenditure information, should a protection amount, and then can be with
The protection amount that user currently lacks is calculated, is that user recommends that the insured amount product of these missings can be supplemented according to insured amount data are enumerated
To realize that the suggested design for solving insurance products to the full-scope safeguards of client is difficult to realize the technology to the full-scope safeguards of client
Problem.
The present invention also provides a kind of insurance products recommendation apparatus.It is the guarantor that one embodiment of the invention provides referring to shown in Fig. 2
The schematic diagram of internal structure of dangerous Products Show device.
In the present embodiment, insurance products recommendation apparatus 1 can be PC (Personal Computer, PC),
It can be the terminal devices such as smart phone, tablet computer, portable computer.The insurance products recommendation apparatus 1 includes at least storage
Device 11, processor 12, network interface 13 and communication bus.
Wherein, memory 11 include at least a type of readable storage medium storing program for executing, the readable storage medium storing program for executing include flash memory,
Hard disk, multimedia card, card-type memory (for example, SD or DX memory etc.), magnetic storage, disk, CD etc..Memory 11
It can be the internal storage unit of insurance products recommendation apparatus 1 in some embodiments, such as the insurance products recommendation apparatus 1
Hard disk.Memory 11 is also possible to the External memory equipment of insurance products recommendation apparatus 1 in further embodiments, such as insures
The plug-in type hard disk being equipped on Products Show device 1, intelligent memory card (Smart Media Card, SMC), secure digital
(Secure Digital, SD) card, flash card (Flash Card) etc..Further, memory 11 can also both include insurance
The internal storage unit of Products Show device 1 also includes External memory equipment.Memory 11 can be not only used for storage and be installed on
Application software and Various types of data, such as the code of Products Show program 01 of insurance products recommendation apparatus 1 etc. can be also used for temporarily
When store the data that has exported or will export.
Processor 12 can be in some embodiments a central processing unit (Central Processing Unit,
CPU), controller, microcontroller, microprocessor or other data processing chips, the program for being stored in run memory 11
Code or processing data, such as execute Products Show program 01 etc..
Network interface 13 optionally may include standard wireline interface and wireless interface (such as WI-FI interface), be commonly used in
Communication connection is established between the device 1 and other electronic equipments.
Communication bus is for realizing the connection communication between these components.
Optionally, which can also include user interface, and user interface may include display (Display), input
Unit such as keyboard (Keyboard), optional user interface can also include standard wireline interface and wireless interface.It is optional
Ground, in some embodiments, display can be light-emitting diode display, liquid crystal display, touch-control liquid crystal display and OLED
(Organic Light-Emitting Diode, Organic Light Emitting Diode) touches device etc..Wherein, display can also be appropriate
Referred to as display screen or display unit, for being shown in the information handled in insurance products recommendation apparatus 1 and for showing visually
The user interface of change.
Fig. 2 illustrates only the insurance products recommendation apparatus 1 with component 11-13 and Products Show program 01, this field
Technical staff may include it is understood that structure shown in fig. 1 does not constitute the restriction to insurance products recommendation apparatus 1
Certain components or different component layouts are perhaps combined than illustrating less perhaps more components.
In 1 embodiment of device shown in Fig. 2, Products Show program 01 is stored in memory 11；Processor 12 executes
Following steps are realized when the Products Show program 01 stored in memory 11:
Obtain the customer information of target customer.
According to the corresponding demand for insurance algorithm of the default guarantee of target insurance kind, the target is calculated according to the customer information
Client should have protection amount on default ensure, wherein the target insurance kind includes multiple default guarantees, and each default ensure has
Corresponding demand for insurance algorithm.
According to the insured amount and current protection amount for having bought insurance of the target customer should have in each default guarantee, calculate
Missing of the target customer on default ensure is insured amount.
It is insured amount according to missing of the target customer on default ensure, and default piece for ensureing corresponding insurance products
Lift insured amount data, selection can supplement the missing it is insured amount enumerate insured amount data.
The insurance products are enumerated into insured amount data recommendation to the target customer with what is selected.
In the embodiment of the present invention by taking default insurance kind is life insurance as an example, it is assumed that following four of the life insurance covering of an insurance company is pre-
If ensureing: guarantee of dieing, weight disease guarantee, disabled guarantee and medical security calculate the visitor according to the customer information of a client
Family needs that buys in each default guarantee should have protection amount, this should have protection amount to be required to meet family's need of the client
It asks.Customer information of the invention includes but is not limited to following information: age, gender and client's revenue and expenditure information, wherein client's revenue and expenditure
Information includes personal annual income, a man-year expenditure and family year expenditure etc..
It is that default ensure is provided with demand for insurance algorithm in the present invention.For die guarantee and disabled guarantee, according to
Age of user, annual income, year expenditure and family prop up out calculating year and should have protection amount.Value of life can specifically be used
Method or the members of the deceased's family need method to calculate.By taking value of life method as an example, it is assumed that insurant Zhang San 30 years old now, annual income 10
Ten thousand, it is intended to retirement in 60 years old.If Zhang San is now dead, the income in the following all one's life can be reduced: 100,000 × (60-30)=3,000,000.
If current family year expenditure is 50,000, wherein having 20,000 for the personal expenditure of Zhang San, 30,000 be the expenditure of other households, then Zhang San
The reduced expenditure of death meeting is 20,000 × (60-30)=600,000, so the net income that should be made up=3,000,000-60 ten thousand=2,400,000.
There should be protection amount with what deformity ensured using the net income that should be made up being calculated as guarantee is die.
For weight disease ensures, the presupposition multiple of the annual income of the target customer can be set to, this presupposition multiple
It can be arranged according to the actual situation by insurance company.Such as presupposition multiple=5, why weight disease guarantee is set in this way and is allowed for
If client suffers from weight disease, do not work within 5 years, after 5 years the case where rehabilitation, the protection amount in weight disease guarantee is required to make up income
Loss.
For medical security, due under normal circumstances, what medical security was not measured using amount, it divides
For subsidy type medical insurance and expense type medical insurance, both insurances all should have insurance as client.It is subsequent according to visitor
The purchaser record at family judges whether user has purchased both insurances, and the medical insurance that do not buy is exactly due missing
Insurance, presets subsidy type medical insurance product and expense type medical insurance product with different protection amounts, can be by these
The list of product is pushed to user, selects product as needed by user oneself.Therefore, user is being calculated in medical security
It when insured amount, can be indicated with 0 and 1, for example, if it is 0 that user, which currently without above two insurance is bought, has insured amount,
Any one of the above insurance is had purchased, then having insured amount is 1, and two kinds of insurances all have purchased, then insured amount is 2, and the medical treatment of user is protected
Should having insured amount for barrier is 2.
The present invention is directed to different types of target customer, using different missing protection amount calculation methods.Assuming that client includes
Two classes: new client and frequent customer, then should have insured amount and currently bought in each default guarantee according to the target customer
The protection amount of insurance, calculating the insured amount step of missing of the target customer on default ensure may include following refinement step:
If the target customer is new client, the protection amount that the target customer has currently bought is zero, will be calculated
The target customer should have in each default guarantee it is insured amount insured amount as missing；If the target customer is frequent customer,
Then obtain the declaration form data for the insurance products that target customer has bought；Art information in the declaration form data is analyzed,
With the existing default guarantee of the determination target customer, and has guarantor according in the existing default guarantee of declaration form data acquisition
Volume；According to the insured amount and existing protection amount of the target customer should have in each default guarantee, the target customer is calculated each
Missing in a default guarantee is insured amount.
Further, art information in the declaration form data is analyzed, with determination, the target customer is existing
It is default to ensure, and include: to obtain the declaration form according to the step of the existing protection amount in the existing default guarantee of declaration form data acquisition
Product clause in data judges whether there is predetermined keyword in the product clause；If having default pass in the product clause
Keyword then determines that the target customer has default guarantee corresponding with the predetermined keyword.
For example, predetermined keyword is " weight disease ", " dieing ", " deformity ", " medical treatment ".For frequent customer, according to the body of client
Part identification information, obtains the declaration form data for the life insurance that the client has bought, in these declaration form data from database
Whether art is analyzed, and art is mainly the product clause in declaration form in the present invention, judge to have in product clause above-mentioned default
Several predetermined keywords.For example, if having following content in product clause: " insurant dies ", " insurant occurs specific
Weight disease ", then can detecte has " dieing " and " weight disease " in product clause, then may determine that user had purchased die danger with
Serious illness insurance, i.e. user have had die guarantee and weight disease guarantee.Next user is judged according to the insured amount information in declaration form data
These the specific protection amounts ensured having had calculate client respectively in each default guarantor according to that should have insured amount and existing protection amount
Missing on barrier is insured amount.
Obtain missing it is insured amount after, insured amount according to missing is that user matches suitable insurance products and corresponding enumerates guarantor
Specified number evidence.Specifically, insured amount according to missing of the target customer on default ensure, and preset and ensure that corresponding insurance produces
Product enumerate insured amount data, and what selection can supplement the missing protection amount includes following refinement step the step of enumerating insured amount data
It is rapid:
Determine the default priority ensured, and it is default ensure corresponding insurance products enumerate insured amount data；
It is according to missing of the target customer on default ensure insured amount, according to default guarantee priority from high to low
Sequentially, successively select the default insurance products ensured enumerates insured amount data, wherein selects according to for the high default guarantee of priority
That selects enumerates insured amount data, is that insured amount data are enumerated in the insurance products selection for the default guarantee that priority is taken second place, up to selection
The missing protection amount of each default guarantee can be supplemented by enumerating insured amount data.
Because being related to the rule of insuring of insurance, the guarantee amount of the insurance products in this programme is to enumerate in advance,
Then it is ensured according to the missing of user and is matched with the data that big data has been enumerated, the data enumerated have very much, when matching
The algorithm used is that successively distance calculates according to the priority sequence from high to low of default guarantee, preset the priority that ensures by
High to low is successively to weigh disease, die, is disabled, medical treatment.In addition, it should be noted that, an insurance products are general in practical application
The guarantee that can be related to more than one or two.
Such as: for a certain insurance products (being related to weight disease guarantee, die guarantee and disabled guarantee), enumerate insured amount data
Are as follows:
Data 1: weight disease supplements 30w, dies and supplements 30w, deformity supplement 20w
Data 2: weight disease supplements 30w, dies and supplements 30w, deformity supplement 30w
Data 3: weight disease supplements 30w, dies and supplements 40w, deformity supplement 20w
Data 4: weight disease supplements 35w, dies and supplements 30w, deformity supplement 30w
Assuming that the heavy disease notch of target customer is 30w by calculating, notch of dieing is 32w, and disabled notch is 30w.So
The heavy disease distance that client enumerates insured amount data with 4 is calculated, screening for the first time remains data 1,2,3, eliminates data 4, so
The distance of dieing of client and this remaining 3 data are calculated afterwards, programmed screening remains data 1 and data 2, eliminates data 3,
Similarly, the disabled distance of remaining two datas and client, it is final to retain data 1 after screening for the third time, then will be pushed away for user
Recommend the insurance products, and recommending data 1 enumerates insured amount data.Further, it is also possible to age and gender information in conjunction with client,
Such protection amount further can also be calculated for client to need that how many premium paid.
The insurance products recommendation apparatus that the present embodiment proposes, obtains the customer information of target customer；According to target insurance kind
It is default to ensure corresponding demand for insurance algorithm, protection amount should be had on default ensure according to customer information calculating target customer,
In, target insurance kind includes multiple default guarantees, and each default guarantee has corresponding demand for insurance algorithm；Existed according to target customer
There should be protection amount that is insured amount and currently having bought insurance in each default guarantee, calculate missing of the target customer on default ensure
It is insured amount；It is insured amount according to missing of the target customer on default ensure, and it is default ensure corresponding insurance products enumerate protection amount
Data, selection can supplement missing it is insured amount enumerate insured amount data；By insurance products and selection enumerate insured amount data recommendation to
Target customer.The present invention, which calculates client in each default guarantee by client's revenue and expenditure information, should a protection amount, and then can be with
The protection amount that user currently lacks is calculated, is that user recommends that the insured amount product of these missings can be supplemented according to insured amount data are enumerated
To realize that the suggested design for solving insurance products to the full-scope safeguards of client is difficult to realize the technology to the full-scope safeguards of client
Problem.
Optionally, in other examples, Products Show program can also be divided into one or more module, and one
A or multiple modules are stored in memory 11, and are held by one or more processors (the present embodiment is by processor 12)
For row to complete the present invention, the so-called module of the present invention is the series of computation machine program instruction section for referring to complete specific function,
For describing implementation procedure of the Products Show program in insurance products recommendation apparatus.
It is the journey of the Products Show program in one embodiment of insurance products recommendation apparatus of the present invention for example, referring to shown in Fig. 3
Sequence module diagram, in the embodiment, Products Show program can be divided into data obtaining module 10, the first computing module
20, the second computing module 30, data selecting module 40 and data transmission blocks 50, illustratively:
Data obtaining module 10 is used for: obtaining the customer information of target customer；
First computing module 20 is used for: according to the corresponding demand for insurance algorithm of the default guarantee of target insurance kind, according to described
Customer information, which calculates the target customer, should have protection amount on default ensure, wherein the target insurance kind includes multiple pre-
If ensureing, each default guarantee has corresponding demand for insurance algorithm；
Second computing module 30 is used for: according to the target customer should have in each default guarantee it is insured amount and it is current
It is insured amount to calculate missing of the target customer on default ensure for the protection amount for buying insurance；
Data selecting module 40 is used for: it is insured amount according to missing of the target customer on default ensure, and default guarantor
Hinder the insured amount data of enumerating of corresponding insurance products, selection can supplement the missing it is insured amount enumerate insured amount data；
Data transmission blocks 50 are used for: the insurance products are enumerated insured amount data recommendation to the target visitor with what is selected
Family.
Above- mentioned information obtain module 10, the first computing module 20, the second computing module 30, data selecting module 40 and data
The program modules such as sending module 50 are performed realized functions or operations step and are substantially the same with above-described embodiment, herein not
It repeats again.
In addition, the embodiment of the present invention also proposes a kind of computer readable storage medium, the computer readable storage medium
On be stored with Products Show program, the Products Show program can be executed by one or more processors, to realize following operation:
Obtain the customer information of target customer；
According to the corresponding demand for insurance algorithm of the default guarantee of target insurance kind, the target is calculated according to the customer information
Client should have protection amount on default ensure, wherein the target insurance kind includes multiple default guarantees, and each default ensure has
Corresponding demand for insurance algorithm；
According to the insured amount and current protection amount for having bought insurance of the target customer should have in each default guarantee, calculate
Missing of the target customer on default ensure is insured amount；
It is insured amount according to missing of the target customer on default ensure, and default piece for ensureing corresponding insurance products
Lift insured amount data, selection can supplement the missing it is insured amount enumerate insured amount data；
The insurance products are enumerated into insured amount data recommendation to the target customer with what is selected.
Computer readable storage medium specific embodiment of the present invention and above-mentioned insurance products recommendation apparatus and each reality of method
It is essentially identical to apply example, does not make tired state herein.
It should be noted that the serial number of the above embodiments of the invention is only for description, do not represent the advantages or disadvantages of the embodiments.And
The terms "include", "comprise" herein or any other variant thereof is intended to cover non-exclusive inclusion, so that packet
Process, device, article or the method for including a series of elements not only include those elements, but also including being not explicitly listed
Other element, or further include for this process, device, article or the intrinsic element of method.Do not limiting more
In the case where, the element that is limited by sentence "including a ...", it is not excluded that including process, device, the article of the element
Or there is also other identical elements in method.
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 one as described above
In storage medium (such as ROM/RAM, magnetic disk, CD), including some instructions are used so that terminal device (it can be mobile phone,
Computer, server or 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 recommended method, which is characterized in that the described method includes:
Obtain the customer information of target customer；
According to the corresponding demand for insurance algorithm of the default guarantee of target insurance kind, the target customer is calculated according to the customer information
There should be protection amount on default ensure, wherein the target insurance kind includes multiple default guarantees, and each default guarantee has correspondence
Demand for insurance algorithm；
It is insured amount according to the target customer should have in each default guarantee and currently bought the protection amount of insurance, described in calculating
Missing of the target customer on default ensure is insured amount；
It is insured amount according to missing of the target customer on default ensure, and it is default ensure corresponding insurance products enumerate guarantor
Specified number evidence, selection can supplement the missing it is insured amount enumerate insured amount data；
The insurance products are enumerated into insured amount data recommendation to the target customer with what is selected.
2. insurance products recommended method as described in claim 1, which is characterized in that it is described according to the target customer each
The default protection amount that should have protection amount and currently bought insurance ensured, calculates missing of the target customer on default ensure
Insured amount step includes:
If the target customer is new client, the protection amount that the target customer has currently bought is zero, the institute that will be calculated
Stating target customer should have insured amount be used as to lack protection amount in each default guarantee；
If the target customer is frequent customer, the declaration form data for the insurance products that target customer has bought are obtained；
Art information in the declaration form data is analyzed, with the existing default guarantee of the determination target customer, and root
According to the existing protection amount in the existing default guarantee of declaration form data acquisition；
According to the insured amount and existing protection amount of the target customer should have in each default guarantee, the target customer is calculated each
Missing in a default guarantee is insured amount.
3. insurance products recommended method as claimed in claim 2, which is characterized in that the words art information is in declaration form data
Product clause, it is described that art information in the declaration form data is analyzed, it is existing default with the determination target customer
It ensures, and includes: according to the step of the existing protection amount in the existing default guarantee of declaration form data acquisition
The product clause in the declaration form data is obtained, judges whether there is predetermined keyword in the product clause；
If having predetermined keyword in the product clause, determine that the target customer is existing corresponding with the predetermined keyword
It is default to ensure；
The default existing protection amount ensured according to declaration form data acquisition.
4. insurance products recommended method as claimed any one in claims 1 to 3, which is characterized in that described according to the mesh
It is insured amount to mark missing of the client on default ensure, and the default insured amount data of enumerating for ensureing corresponding insurance products, selects energy
Enough supplement the missing it is insured amount include: the step of enumerating insured amount data
Determine the default priority ensured, and it is default ensure corresponding insurance products enumerate insured amount data；
It is insured amount according to missing of the target customer on default ensure, according to priority from high to low suitable of default guarantee
Sequence, successively select the default insurance products ensured enumerates insured amount data, wherein selects according to for the high default guarantee of priority
Enumerate insured amount data, insured amount data are enumerated in the insurance products selection for the default guarantee taken second place for priority, until piece of selection
The missing protection amount of each default guarantee can be supplemented by lifting insured amount data.
5. insurance products recommended method as claimed any one in claims 1 to 3, which is characterized in that the customer information packet
Client's revenue and expenditure information is included, client's revenue and expenditure information includes personal annual income, a man-year expenditure and family year expenditure；It is described default
Guarantee includes: die guarantee, weight disease guarantee, disabled guarantee and medical security.
6. a kind of insurance products recommendation apparatus, which is characterized in that described device includes memory and processor, on the memory
It is stored with the Products Show program that can be run on the processor, it is real when the Products Show program is executed by the processor
Existing following steps:
Obtain the customer information of target customer；
According to the corresponding demand for insurance algorithm of the default guarantee of target insurance kind, the target customer is calculated according to the customer information
There should be protection amount on default ensure, wherein the target insurance kind includes multiple default guarantees, and each default guarantee has correspondence
Demand for insurance algorithm；
It is insured amount according to the target customer should have in each default guarantee and currently bought the protection amount of insurance, described in calculating
Missing of the target customer on default ensure is insured amount；
It is insured amount according to missing of the target customer on default ensure, and it is default ensure corresponding insurance products enumerate guarantor
Specified number evidence, selection can supplement the missing it is insured amount enumerate insured amount data；
The insurance products are enumerated into insured amount data recommendation to the target customer with what is selected.
7. insurance products recommendation apparatus as claimed in claim 6, which is characterized in that it is described according to the target customer each
The default protection amount that should have protection amount and currently bought insurance ensured, calculates missing of the target customer on default ensure
Insured amount step includes:
If the target customer is new client, the protection amount that the target customer has currently bought is zero, the institute that will be calculated
Stating target customer should have insured amount be used as to lack protection amount in each default guarantee；
If the target customer is frequent customer, the declaration form data for the insurance products that target customer has bought are obtained；
Art information in the declaration form data is analyzed, with the existing default guarantee of the determination target customer, and root
According to the existing protection amount in the existing default guarantee of declaration form data acquisition；
According to the insured amount and existing protection amount of the target customer should have in each default guarantee, the target customer is calculated each
Missing in a default guarantee is insured amount.
8. insurance products recommendation apparatus as claimed in claim 7, which is characterized in that the words art information is in declaration form data
Product clause, it is described that art information in the declaration form data is analyzed, it is existing default with the determination target customer
It ensures, and includes: according to the step of the existing protection amount in the existing default guarantee of declaration form data acquisition
The product clause in the declaration form data is obtained, judges whether there is predetermined keyword in the product clause；
If having predetermined keyword in the product clause, determine that the target customer is existing corresponding with the predetermined keyword
It is default to ensure；
The default existing protection amount ensured according to declaration form data acquisition.
9. the insurance products recommendation apparatus as described in any one of claim 6 to 8, which is characterized in that described according to the mesh
It is insured amount to mark missing of the client on default ensure, and the default insured amount data of enumerating for ensureing corresponding insurance products, selects energy
Enough supplement the missing it is insured amount include: the step of enumerating insured amount data
Determine the default priority ensured, and it is default ensure corresponding insurance products enumerate insured amount data；
It is insured amount according to missing of the target customer on default ensure, according to priority from high to low suitable of default guarantee
Sequence, successively select the default insurance products ensured enumerates insured amount data, wherein selects according to for the high default guarantee of priority
Enumerate insured amount data, insured amount data are enumerated in the insurance products selection for the default guarantee taken second place for priority, until piece of selection
The missing protection amount of each default guarantee can be supplemented by lifting insured amount data.
10. a kind of computer readable storage medium, which is characterized in that be stored with product on the computer readable storage medium and push away
Program is recommended, the Products Show program can be executed by one or more processor, to realize as any in claim 1 to 5
The step of insurance products recommended method described in item.
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| Application Number | Priority Date | Filing Date | Title |
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| CN201811121389.XA CN109285082A (en) | 2018-09-25 | 2018-09-25 | Insurance products recommended method, device and computer readable storage medium |
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| CN201811121389.XA CN109285082A (en) | 2018-09-25 | 2018-09-25 | Insurance products recommended method, device and computer readable storage medium |
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| CN113191907A (en) * | 2021-04-01 | 2021-07-30 | 青岛全掌柜科技有限公司 | Method for automatically generating contrast information of severe illness danger |
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