CN110335157A - Insurance products recommended method, equipment and storage medium - Google Patents
Insurance products recommended method, equipment and storage medium Download PDFInfo
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- CN110335157A CN110335157A CN201910204576.2A CN201910204576A CN110335157A CN 110335157 A CN110335157 A CN 110335157A CN 201910204576 A CN201910204576 A CN 201910204576A CN 110335157 A CN110335157 A CN 110335157A
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Abstract
The embodiment of the present application provides a kind of insurance products recommended method, equipment and storage medium.In the embodiment of the present application, labeling is carried out from personal information of multiple dimensions to user, obtains the multidimensional attribute label of user；The multidimensional attribute label of user is matched in the attribute tags safeguarded in advance and risk attributes mapping relations, obtains risk attributes of the user under kinds of risks item；According to the insurance responsibility and risk attributes of risk attributes and insurance products template of the user under kinds of risks item, the candidate insurance products template being adapted to user is determined；According to the purchasing power information of risk attributes and user owning user group of the user under kinds of risks item, the recommendation index of candidate insurance products template is calculated；Further, the target insurance products template for needing to recommend user is determined；Premium and insured amount configuration are carried out to target insurance products template, target insurance products is generated, target insurance products is sent to the terminal device of user.
Description
Technical field
This application involves technical field of data processing more particularly to a kind of insurance products recommended method, equipment and storage to be situated between
Matter.
Background technique
With the development of internet, informationization technology, various functional areas are led all in continuous electronization, such as in insurance business
It can insure online in domain, online Claims Resolution, insurance products are recommended online.
Currently, due to the professional of insurance products, complexity and particularity, consumer when buying insurance, on the one hand without
Method fully understands the risk situation of itself and family, on the other hand can not select suitable product configuration scheme.Traditional operation
Under mode, above-mentioned two problems often will be by insurance agent or marketing personnel；This mode cannot adapt to insurance very well and move
The development trend changed in dynamicization, line.
Summary of the invention
The many aspects of the application provide a kind of insurance products recommended method, equipment and storage medium, input and use in user
After the information of family, automatically it is user configuration insurance products, improves the efficiency of user configuration insurance, improve the degree of automation, promoted and used
Family experience.
The embodiment of the present application provides a kind of insurance products recommended method, is suitable for server, which comprises receives and uses
The personal information that family is reported by terminal device；Labeling is carried out from personal information of multiple dimensions to the user, obtains institute
State the multidimensional attribute label of user；By the multidimensional attribute label of the user in the attribute tags and risk category safeguarded in advance
It is matched in property mapping relations, obtains risk attributes of the user under kinds of risks item；According to the user a variety of
The insurance responsibility and risk attributes of each insurance products defined in risk attributes and insurance products template under risk item, determine with
The candidate insurance products template of user's adaptation；According to risk attributes of the user under kinds of risks item and the user
The purchasing power information of owning user group calculates the recommendation index of the candidate insurance products template；According to the candidate guarantor
The recommendation index of dangerous product template determines the target insurance products template for needing to recommend the user；The target is insured
Product template carries out premium and insured amount configuration, generates target insurance products, the target insurance products are sent to the use
The terminal device at family.
The embodiment of the present application also provides a kind of insurance products recommended method, is suitable for terminal device, which comprises exhibition
Show data input interface, operated in response to input of the user on data input interface, obtains the personal letter of user's input
Breath；The trigger action that control is submitted in response to the information on data input interface sends the personal information to server, for
Server recommends target insurance products to user according to personal information；The target insurance products that server returns are received, for end
End equipment shows the target insurance products.
The embodiment of the present application also provides a kind of server, comprising: memory, processor and communication component；The storage
Device, for storing computer program；The communication component, for establishing the communication chain between the terminal device of user and server
It connects；The processor, for executing the computer program, to be used for: receiving user by communication component and pass through terminal device
The personal information reported；Labeling is carried out from personal information of multiple dimensions to the user, obtains the various dimensions of the user
Attribute tags；By the multidimensional attribute label of the user in the attribute tags safeguarded in advance and risk attributes mapping relations into
Row matching, obtains risk attributes of the user under kinds of risks item；According to risk of the user under kinds of risks item
The insurance responsibility and risk attributes of each insurance products defined in attribute and insurance products template, what determination was adapted to the user
Candidate insurance products template；According to risk attributes of the user under kinds of risks item and user's owning user group
Purchasing power information calculates the recommendation index of the candidate insurance products template；According to pushing away for the candidate insurance products template
Index is recommended, determines the target insurance products template for needing to recommend the user；The target insurance products template is protected
Take and the target insurance products are sent to the user by communication component by insured amount configuration, generation target insurance products
Terminal device.
The embodiment of the present application also provides a kind of computer readable storage medium for being stored with computer program, and feature exists
In causing the execution of one or more of processors to include when the computer program is executed by one or more processors
Movement below: the personal information that user is reported by terminal device is received；From multiple dimensions to the personal information of the user
Labeling is carried out, the multidimensional attribute label of the user is obtained；The multidimensional attribute label of the user is safeguarded in advance
Attribute tags and risk attributes mapping relations in matched, obtain risk attributes of the user under kinds of risks item；
It is blamed according to the insurance of the user each insurance products defined in the risk attributes and insurance products template under kinds of risks item
Appoint and risk attributes, determines the candidate insurance products template that is adapted to the user；According to the user under kinds of risks item
Risk attributes and user's owning user group purchasing power information, calculate the recommendation of the candidate insurance products template
Index；According to the recommendation index of the candidate insurance products template, the target insurance products for needing to recommend the user are determined
Template；Premium and insured amount configuration are carried out to the target insurance products template, target insurance products is generated, the target is protected
Dangerous product is sent to the terminal device of the user.
The application also provides a kind of terminal device, comprising: memory, processor and communication component；The communication component,
For establishing the communication connection between terminal device and server；The memory, for storing computer program；The processing
Device, for executing the computer program, to be used for: data input interface is shown, in response to user on data input interface
Input operation, obtain the personal information of user input；The touching of control is submitted in response to the information on data input interface
Hair operation sends the personal information to server by communication component, so that server is recommended according to personal information to user
Target insurance products；The target insurance products that server returns are received by communication component, so that terminal device shows the mesh
Mark insurance products.
The embodiment of the present application also provides a kind of computer readable storage medium for being stored with computer program, and feature exists
In causing the execution of one or more of processors to include when the computer program is executed by one or more processors
Movement below: showing data input interface, operates in response to input of the user on data input interface, obtains the user
The personal information of input；The trigger action that control is submitted in response to the information on data input interface, to described in server transmission
Personal information, so that server recommends target insurance products to user according to personal information；The target that server returns is received to protect
Dangerous product, so that terminal device shows the target insurance products.
In some exemplary embodiments of the application, the server reception user recommended as insurance products is set by terminal
The standby personal information reported；Labeling is carried out from personal information of multiple dimensions to the user, obtains the multidimensional of the user
Spend attribute tags；By the multidimensional attribute label of the user in the attribute tags and risk attributes mapping relations safeguarded in advance
It is matched, obtains risk attributes of the user under kinds of risks item；According to wind of the user under kinds of risks item
The insurance responsibility and risk attributes of each insurance products defined in dangerous attribute and insurance products template, determination are adapted to the user
Candidate insurance products template；According to risk attributes of the user under kinds of risks item and user's owning user group
Purchasing power information, calculate the recommendation index of the candidate insurance products template；According to the candidate insurance products template
Recommend index, determines the target insurance products template for needing to recommend the user；The target insurance products template is carried out
Premium and insured amount configuration, generate target insurance products, the target insurance products are sent to the terminal device of the user,
Insurance configuration the degree of automation is improved, insurance allocative efficiency is promoted, promotes user experience.
Detailed description of the invention
The drawings described herein are used to provide a further understanding of the present application, constitutes part of this application, this Shen
Illustrative embodiments and their description please are not constituted an undue limitation on the present application for explaining the application.In the accompanying drawings:
Fig. 1 is a kind of structural schematic diagram for insurance recommender system that one exemplary embodiment of the application provides；
Fig. 2 a is that a kind of insurance products being described from terminal device angle that the application exemplary embodiment provides push away
Recommend the method flow diagram of method；
Fig. 2 b is that a kind of insurance products being described from server side that the application exemplary embodiment provides are recommended
The method flow diagram of method；
Fig. 3 is the composition schematic diagram for each risk factors that the user that the application exemplary embodiment provides faces；
Fig. 4 is a kind of structural block diagram for terminal device that the application exemplary embodiment provides；
Fig. 5 is a kind of structural block diagram for server that the application exemplary embodiment provides.
Specific embodiment
To keep the purposes, technical schemes and advantages of the application clearer, below in conjunction with the application specific embodiment and
Technical scheme is clearly and completely described in corresponding attached drawing.Obviously, described embodiment is only the application one
Section Example, instead of all the embodiments.Based on the embodiment in the application, those of ordinary skill in the art are not doing
Every other embodiment obtained under the premise of creative work out, shall fall in the protection scope of this application.
It needs to recommend insurance products to user by insurance agent for current, the degree of automation is low, to user configuration
The low problem of insurance efficiency, in some exemplary embodiments of the application, the server recommended as insurance products receives user
The personal information reported by terminal device；Labeling is carried out from personal information of multiple dimensions to user, obtains the more of user
Dimensional attribute label；By the multidimensional attribute label of user in the attribute tags safeguarded in advance and risk attributes mapping relations into
Row matching, obtains risk attributes of the user under kinds of risks item；According to risk attributes of the user under kinds of risks item and guarantor
The insurance responsibility and risk attributes of each insurance products defined in dangerous product template determine the candidate insurance products being adapted to user
Template；According to the purchasing power information of risk attributes and user owning user group of the user under kinds of risks item, calculates and wait
Select the recommendation index of insurance products template；According to the recommendation index of candidate insurance products template, determination needs to recommend user's
Target insurance products template；Premium and insured amount configuration are carried out to target insurance products template, target insurance products are generated, by mesh
Mark insurance products are sent to the terminal device of user, improve insurance configuration the degree of automation, promote insurance allocative efficiency, promoted and used
Family experience.
Below in conjunction with attached drawing, the technical scheme provided by various embodiments of the present application will be described in detail.
Fig. 1 is a kind of structural schematic diagram for insurance recommender system 10 that the application exemplary embodiment provides.Such as Fig. 1 institute
Show, which includes: terminal device 10a, server 10b.
In the present embodiment, terminal device 10a is that confession under directions user carries out input personal information to carry out insurance configuration and use
, the computer equipment with functions such as calculating, online, communications needed for user, way of realization can there are many, such as can
To be smart phone, PC, wearable device, tablet computer etc..
In the present embodiment, server 10b can be established with terminal device 10a and be communicated to connect, and predominantly terminal device 10a is mentioned
It supported for data, calculate service and some management services.In the present embodiment, the not realization form of Limited service device 10b,
Such as server 10b can be the server apparatus such as General Server, Cloud Server, cloud host, virtual center.Wherein, it services
The composition of device 10b equipment mainly includes processor, hard disk, memory, system bus etc. and general computer architecture type.
Wherein, it can be between terminal device 10a and server 10b and wirelessly or non-wirelessly connect.Optionally, user terminal
10a can be established using the communication modes such as WIFI, bluetooth, infrared and server 10b and be communicated to connect.Alternatively, terminal device 10a
It can be established and be communicated to connect by mobile network and server 10b.Wherein, the network formats of mobile network can for 2G (GSM),
It is any in 2.5G (GPRS), 3G (WCDMA, TD-SCDMA, CDMA2000, UTMS), 4G (LTE), 4G+ (LTE+), WiMax etc.
It is a kind of.
In insurance recommender system 10 shown in Fig. 1, terminal device 10a and server 10b cooperate, and quickly execute
Corresponding function promotes user experience to improve convenience and efficiency that user executes corresponding function.In some of the application
In embodiment, the terminal device 10a of user shows data input interface first, defeated on data input interface in response to user
Enter operation, obtains the personal information of user's input；The trigger action that control is submitted in response to the information on data input interface, to
Server 10b sends personal information, and server 10b receives the personal information that user is reported by terminal device；From multiple dimensions
Labeling is carried out to the personal information of user, obtains the multidimensional attribute label of user；The multidimensional attribute label of user is existed
It the attribute tags safeguarded in advance and is matched in risk attributes mapping relations, obtains risk category of the user under kinds of risks item
Property；According to the insurance responsibility of user's each insurance products defined in the risk attributes and insurance products template under kinds of risks item
And risk attributes, determine the candidate insurance products template being adapted to user；According to risk attributes of the user under kinds of risks item
With the purchasing power information of user's owning user group, the recommendation index of candidate insurance products template is calculated；Insured according to candidate
The recommendation index of product template determines the target insurance products template for needing to recommend user；To target insurance products template into
Row premium and insured amount configuration, generate target insurance products, target insurance products are sent to the terminal device 10a of user, eventually
End equipment 10a receives the target insurance products that server 10b is returned, so that terminal device 10a shows target insurance products.
Below with reference to insurance recommender system 10 shown in FIG. 1, respectively from terminal device 10a, server 10b to above-mentioned example
Property embodiment is illustrated.
As shown in Figure 2 a, it is described from terminal device 10a angle, a kind of guarantor that one exemplary embodiment of the application provides
Dangerous Products Show method, comprising the following steps:
S211: data input interface is shown；
S212: it is operated in response to input of the user on data input interface, obtains the personal information of user's input；
S213: submitting the trigger action of control in response to the information on data input interface, sends personal letter to server
Breath, so that server recommends target insurance products to user according to personal information；
S214: receiving the target insurance products that server returns, so that terminal device shows target insurance products.
As shown in Figure 2 b, it is described from server 10b angle, a kind of insurance that one exemplary embodiment of the application provides
Products Show method, comprising the following steps:
S221: the personal information that user is reported by terminal device is received；
S222: labeling is carried out from personal information of multiple dimensions to user, obtains the multidimensional attribute label of user；
S223: by the multidimensional attribute label of user in the attribute tags safeguarded in advance and risk attributes mapping relations into
Row matching, obtains risk attributes of the user under kinds of risks item；
S224: according to user's each insurance products defined in the risk attributes and insurance products template under kinds of risks item
Insurance responsibility and risk attributes, determine the candidate insurance products template that is adapted to user；
S225: believed according to the purchasing power of risk attributes and user owning user group of the user under kinds of risks item
Breath calculates the recommendation index of candidate insurance products template；
S226: according to the recommendation index of candidate insurance products template, the target insurance products for needing to recommend user are determined
Template；
S227: premium and insured amount configuration are carried out to target insurance products template, target insurance products is generated, target is protected
Dangerous product is sent to the terminal device of user.
In the present embodiment, terminal device includes an electronic display, and user can be set by electronic display and terminal
Standby to interact, user is by interactively entering personal information with electronic display；
In the above-described embodiments, in response to the trigger action of user, the electronical display information displayed on screen of terminal device is recorded
Enter interface, is operated in response to input of the user on data input interface, obtain the personal information of user's input；Data input circle
Include that information submits control on face, the trigger action of control is submitted in response to information, sends personal information to server.
In the above-described embodiments, the personal information that the received subscriber terminal equipment of server reports, from multiple dimensions to
The personal information at family carries out labeling, obtains the multidimensional attribute label of user.Wherein, the personal information of user include gender,
Age, city, industry, marital status, child, old man, house property, loan, annual family income, personal annual income, social security, frequency of driving
Rate, health habit, travel trip habit etc. can carry out labeling from personal information of multiple dimensions to user, obtain user
Multidimensional attribute label, wherein user information labeling can hide sensitive information, for sensitive information can also using become
Segmented version acquisition is measured, user information labeling can carry out comprehensive portrait for user and its kinsfolk.
After obtaining the multidimensional attribute label of user, by the multidimensional attribute label of user in the attribute safeguarded in advance
It is matched in label and risk attributes mapping relations, obtains risk attributes of the user under kinds of risks item.Wherein, Yong Hugen
According to historical data, the mapping relations of predetermined property label and risk attributes.As shown in Figure 3, wherein risk item, that is, risk because
Element includes property risks, family's risk, health risk and emergency risk.Property risks include vehicle risk, house risk, fund
Account risk, house risk include hiring out two class risks from advocating peace；Family's risk includes liability risk, spouse, children, old man
Unexpected health risk, liability exposure；Health risk includes major disease risk, medical expense risk；Emergency risk includes dieing
Risk, disabled risk.
In the above-described embodiments, defined according to user in the risk attributes and insurance products template under kinds of risks item
The insurance responsibility and risk attributes of each insurance products determine the candidate insurance products template being adapted to user.Template includes but not
Be limited to product code, title, product category, insurance period, ensuring target condition (such as gender, occupation limitation, the range of age),
Emphasis visitor group, insurance responsibility and corresponding risk point, insured amount whether adjustable, insured amount adjustment unit, insured amount adjusting range, are protected at protection amount
Take, sales region, the fields such as products characteristics and rationale for the recommendation.
In the above-described embodiments, the purchase of the risk attributes according to user under kinds of risks item and user's owning user group
Ability information is bought, the recommendation index of candidate insurance products template is calculated.A kind of achievable mode is, according to user in a variety of wind
The corresponding attribute value of risk attributes under dangerous item, calculates the risk of user；According to the ranking of the risk of user and user
The purchasing power information of owning user group calculates the recommendation index of candidate insurance products template.
Optionally, according to the corresponding attribute value of risk attributes of the user under kinds of risks item, the risk of user is calculated
Degree.A kind of alternative embodiment is to carry out labeling to the historical user information that previous user inputs from multiple dimensions, obtain previously
The multidimensional attribute label of user；According to the life cycle label in the multidimensional attribute label of previous user, determine that insurance pushes away
The target customers recommended；The multidimensional attribute label for the target customers that insurance is recommended is clustered, by target customer
Group is divided into different objective realm types；It is accepted insurance data of settling a claim according to different objective realm type history, calculates each risk attributes
The loss ratio of Related product, converts through hundred-mark system, obtains the attribute of the risk attributes under the corresponding every kind of risk item of objective realm type
Value；Summation is weighted to the attribute value of the risk attributes under kinds of risks item, obtains the risk of user.Wherein, according to elder generation
Previous user is first divided into growth stage, unmarried phase, family's shape by the life cycle label in the multidimensional attribute label of preceding user
Cheng Qi, family's growth stage, family's maturity period and retired phase, unmarried phase, family form phase, family's growth stage and family's maturity period
Client is the major customer group for having demand for insurance, the target customers that these groups are recommended as above-mentioned insurance；To guarantor
The multidimensional attribute label of the target customers nearly recommended clusters, and target customers are divided into different objective realms
Type, wherein the multidimensional attribute label of target customers includes the ascribed characteristics of population, income and expenses, behavioural habits etc.；According to difference
Objective realm type history accept insurance data of settling a claim, calculate the loss ratio of each risk attributes Related product, converted through hundred-mark system, obtained
The attribute value of risk attributes under the corresponding every kind of risk item of objective realm type, in addition, health, unexpected two class risk factors assessment are also
Combine " Chinese person insurance major disease experience incidence table ", " China's person insurance experience table of mortality ", " China guarantor
The report of dangerous crowd's unexpected injury risk investigation " etc. related datas.If calculating family's information about firms is unexpected, health risk timesharing information
Missing is then calculated according to test user's self information；Finally the attribute value of the risk attributes under kinds of risks item is added
Power summation, obtains the risk of user, such as: such as property risks point=0.5* vehicle risk+0.35* house risk+0.15*
People's fund account risk (coefficient is merely illustrative).The risk factors of user are divided into property, accident, health, four sport of family, each
Under respectively correspond different risk attributes.The risk of user is weighted to obtain by four scores.Such as risk=0.25* of user
Property risks point+0.3* health risk point+0.3* emergency risk point+0.15* family risk point (coefficient is merely illustrative), each wind
Danger point minimum 0, highest 100, score is higher to illustrate that risk is bigger.
Optionally, it according to the purchasing power information of the ranking of the risk of user and user's owning user group, calculates and waits
Select the recommendation index of insurance products template.A kind of achievable mode is to use belonging to the ranking and user to the risk of user
The purchasing power information of family group is weighted summation, obtains the recommendation index of candidate insurance products template.Wherein, user is calculated
A kind of achievable mode of ranking of risk be that the ranking of risk uses the thought of statistical simulation, united according to country
The many indexs such as population gender, age, marriage, child, per capita disposable income involved in the statistical yearbook that meter office updates every year
Statistical result, the population distribution of each label is simulated with the method for statistical simulation, generates 100000 analog results, and according to preceding
It states rule and calculates 100000 groups of risks and be allocated as basic data for ranking, for compared with new consumer's risk is horizontal, to obtain
Obtain the ranking of the risk of user.
In the above embodiments, according to the recommendation index of candidate insurance products template, determination needs to recommend user's
Target insurance products template.A kind of mode that may be implemented is, from the multidimensional attribute label of user, obtains locating for user
Life cycle and income level information；The life cycle according to locating for user and income level information, to candidate insurance products
Index is recommended to be adjusted；According to the recommendation index adjusted of each candidate insurance products, from candidate insurance products template really
Surely need to recommend the target insurance products template of user.Wherein, to the recommendation index of candidate insurance products be adjusted including
But it is not limited to following manner: candidate insurance products is arranged in descending order by recommendation index, then the life cycle according to locating for user
And income level is adjusted Products Show index, including as customer life cycle develops, various product puts into specific gravity
Adjustment；With the promotion of income level, from rigid, basic guarantee to the adjustment of comprehensive high-end guarantee；And similar product weight
When ensureing again, according to the candidate insurance products for recommending index rejecting to sort rearward.
In the above-described embodiments, premium and insured amount configuration are carried out to target insurance products template, generates target insurance and produces
Product.A kind of achievable mode is, according to the risk and income level of user, regulation engine to be arranged, and specifies consumer's risk, receives
Enter the insured amount transformational relation with each product, show that recommendation is insured amount, later, insured amount according to recommending, premium needed for calculating each product.This
Outside, before target insurance products are sent to the terminal device of user, it may be desired to judge that all targets recommended to the user are protected
Whether the sum of premium of dangerous product exceeds the receiving threshold value of the user of setting；If judging result be it is no, by target insurance products
It is sent to the terminal device of user；If the determination result is YES, then target insurance products are adjusted, until all mesh recommended to the user
Mark the receiving threshold value that the sum of premium of insurance products is less than the user of setting.Wherein, when the judgment result is yes, adjustment target is protected
The strategy of dangerous product is the preferential insured amount reduction of progress, on the basis of current recommendation is insured amount, by the sequence of recommendation index from low to high
It is insured amount that every money product reduces an adjustment unit, until premium expenditure passes through inspection；If premium expenditure is pressed and is recommended beyond excessively
The sequence of index from low to high rejects the minimum product of index, until premium expenditure passes through inspection.User can bear premium by with
Life cycle locating for family and income level calculate, and usual Middle Income Group is paid from the unmarried phase to the premium in family's maturity period
Limit should successively control income 10%, 15%, 20% and 15% hereinafter, low-income group and high-income group on this basis
It floats downward respectively and the standard that floats.
In addition, server can also export test and evaluation report, test and evaluation report may include the current overall risk level of user and divide
Enjoy the radar map of risk level and other users comparison；Risk score situation and explanation；The insurance products and allocation plan needed,
Cover and is bought to whom, buy what product, buy how many insured amount, recommendation indexes and rationale for the recommendation suggestion etc..
Finally, target insurance products and test and evaluation report are sent to the terminal device of user, the terminal of user by server
Equipment receives the target insurance products that server returns, so that terminal device shows target insurance products and test and evaluation report.
In the above-mentioned insurance recommended method embodiment of the application, the server reception user recommended as insurance products passes through
The personal information that terminal device reports；Labeling is carried out from personal information of multiple dimensions to user, obtains the various dimensions of user
Attribute tags；By the progress in the attribute tags and risk attributes mapping relations safeguarded in advance of the multidimensional attribute label of user
Match, obtains risk attributes of the user under kinds of risks item；It is produced according to risk attributes of the user under kinds of risks item and insurance
The insurance responsibility and risk attributes of each insurance products defined in product template determine the candidate insurance products mould being adapted to user
Plate；According to the purchasing power information of risk attributes and user owning user group of the user under kinds of risks item, calculate candidate
The recommendation index of insurance products template；According to the recommendation index of candidate insurance products template, the mesh for needing to recommend user is determined
Mark insurance products template；Premium and insured amount configuration are carried out to target insurance products template, target insurance products are generated, by target
Insurance products are sent to the terminal device of user, improve insurance configuration the degree of automation, promote insurance allocative efficiency, promote user
Experience.
Fig. 4 is a kind of structural block diagram for terminal device that the application exemplary embodiment provides, as shown in figure 4, the terminal
Equipment includes: electronic display 401, memory 403, processor 402, communication component 404；In addition, terminal device can also wrap
Include the equal necessary component of power supply module 405.
Electronic display 401, for showing data input interface.
Wherein, electronic display 401 includes liquid crystal display (LCD) and touch panel (TP).If electronic display packet
Touch panel is included, electronic display may be implemented as touch screen, to receive input signal from the user.Touch panel includes
One or more touch sensors are to sense the gesture on touch, slide, and touch panel.Touch sensor can be sensed not only
The boundary of a touch or slide action, but also detect duration and pressure relevant to touch or slide.
Memory 403, for storing computer program；
Communication component 404 is established communication connection with server for terminal device and is carried out data transmission；
Processor 402, for executing computer program, to be used for: data input interface is shown, in response to user in information
Input operation on input interface, obtains the personal information of user's input；Control is submitted in response to the information on data input interface
The trigger action of part sends personal information to server by communication component, so that server is pushed away according to personal information to user
Recommend target insurance products；The target insurance products that server returns are received by communication component, so that terminal device shows target
Insurance products.
Correspondingly, the embodiment of the present application also provides a kind of computer readable storage medium for being stored with computer program.When
Computer-readable recording medium storage computer program, and when computer program is executed by one or more processors, cause one
A or multiple processors execute each step in Fig. 2 a embodiment of the method.
In the above-mentioned terminal device embodiment of the application, the server reception user recommended as insurance products passes through terminal
The personal information that equipment reports；Labeling is carried out from personal information of multiple dimensions to user, obtains the multidimensional attribute of user
Label；The multidimensional attribute label of user is matched in the attribute tags safeguarded in advance and risk attributes mapping relations,
Obtain risk attributes of the user under kinds of risks item；According to risk attributes and insurance products mould of the user under kinds of risks item
The insurance responsibility and risk attributes of each insurance products defined in plate determine the candidate insurance products template being adapted to user；Root
According to the purchasing power information of risk attributes and user owning user group of the user under kinds of risks item, calculates candidate insurance and produce
The recommendation index of product template；According to the recommendation index of candidate insurance products template, the target insurance for needing to recommend user is determined
Product template；Premium and insured amount configuration are carried out to target insurance products template, generate target insurance products, target is insured and is produced
Product are sent to the terminal device of user, improve insurance configuration the degree of automation, promote insurance allocative efficiency, promote user experience.
Fig. 5 is a kind of structural block diagram for server that the application exemplary embodiment provides, as shown in figure 5, the server
It include: memory 502, processor 501 and communication component 503；Server can also including power supply module 504 etc. necessary group
Part.
Memory 502, for storing computer program；
Communication component 503, for establishing the communication linkage between the terminal device of user and server；
Processor 501, for executing computer program, to be used for: receiving the personal letter that user is reported by terminal device
Breath；Labeling is carried out from personal information of multiple dimensions to user, obtains the multidimensional attribute label of user；By the multidimensional of user
Degree attribute tags are matched in the attribute tags safeguarded in advance and risk attributes mapping relations, obtain user in kinds of risks
Risk attributes under；According to user in the risk attributes and insurance products template under kinds of risks item defined in respectively insurance produce
The insurance responsibility and risk attributes of product determine the candidate insurance products template being adapted to user；According to user in kinds of risks item
Under risk attributes and user's owning user group purchasing power information, calculate the recommendation index of candidate insurance products template；
According to the recommendation index of candidate insurance products template, the target insurance products template for needing to recommend user is determined；Target is protected
Dangerous product template carries out premium and insured amount configuration, generates target insurance products, is sent out target insurance products by communication component
Give the terminal device of user.
Optionally, processor 501 is according to risk attributes of the user under kinds of risks item and user's owning user group
Purchasing power information be specifically used for: when calculating the recommendation index of candidate insurance products template according to user in kinds of risks item
Under the corresponding attribute value of risk attributes, calculate the risk of user；According to belonging to the ranking of the risk of user and user
The purchasing power information of user group calculates the recommendation index of candidate insurance products template.
Optionally, processor 501 is calculated according to the corresponding attribute value of risk attributes of the user under kinds of risks item
The risk of user, is specifically used for: carrying out labeling to the historical user information that previous user inputs from multiple dimensions, obtains elder generation
The multidimensional attribute label of preceding user；According to the life cycle label in the multidimensional attribute label of previous user, insurance is determined
The target customers of recommendation；The multidimensional attribute label for the target customers that insurance is recommended is clustered, by target visitor
Family group is divided into different objective realm types；It is accepted insurance data of settling a claim according to different objective realm type history, calculates each risk category
Property Related product loss ratio, converted through hundred-mark system, obtain the category of the risk attributes under the corresponding every kind of risk item of objective realm type
Property value；Summation is weighted to the attribute value of the risk attributes under kinds of risks item, obtains the risk of user.
Optionally, processor 501 needs to recommend user's in the recommendation index according to candidate insurance products template, determination
Target insurance products template, is specifically used for: from the multidimensional attribute label of user, obtaining life cycle and receipts locating for user
Enter horizontal information；The life cycle according to locating for user and income level information carry out the recommendation index of candidate insurance products
Adjustment；According to the recommendation index adjusted of each candidate insurance products, is determined from candidate insurance products template and need to recommend
The target insurance products template of user.
Optionally, processor 501 is before being sent to the terminal device of user for target insurance products, it may also be used for: sentence
Break all target insurance products recommended to the user the sum of premium whether the receiving threshold value of the user beyond setting；If judgement knot
Fruit be it is no, then target insurance products are sent to the terminal device of user；If the determination result is YES, then target insurance is adjusted to produce
Product, until the sum of premium of all target insurance products recommended to the user is less than the receiving threshold value of the user of setting.
Correspondingly, the embodiment of the present application also provides a kind of computer readable storage medium for being stored with computer program.When
Computer-readable recording medium storage computer program, and when computer program is executed by one or more processors, cause one
A or multiple processors execute each step in Fig. 2 b embodiment of the method.
In the above-mentioned server example of the application, the server reception user recommended as insurance products is set by terminal
The standby personal information reported；Labeling is carried out from personal information of multiple dimensions to the user, obtains the multidimensional of the user
Spend attribute tags；By the multidimensional attribute label of the user in the attribute tags and risk attributes mapping relations safeguarded in advance
It is matched, obtains risk attributes of the user under kinds of risks item；According to wind of the user under kinds of risks item
The insurance responsibility and risk attributes of each insurance products defined in dangerous attribute and insurance products template, determination are adapted to the user
Candidate insurance products template；According to risk attributes of the user under kinds of risks item and user's owning user group
Purchasing power information, calculate the recommendation index of the candidate insurance products template；According to the candidate insurance products template
Recommend index, determines the target insurance products template for needing to recommend the user；The target insurance products template is carried out
Premium and insured amount configuration, generate target insurance products, the target insurance products are sent to the terminal device of the user,
Insurance configuration the degree of automation is improved, insurance allocative efficiency is promoted, promotes user experience.
Have between equipment and other equipment where communication component in above-mentioned Fig. 4 and Fig. 5 is configured to facilitate communication component
The communication of line or wireless mode.Equipment where communication component can access the wireless network based on communication standard, such as WiFi, 2G or
3G or their combination.In one exemplary embodiment, communication component receives via broadcast channel and comes from external broadcasting management
The broadcast singal or broadcast related information of system.In one exemplary embodiment, the communication component further includes near-field communication
(NFC) technology, radio frequency identification (RFID) technology, Infrared Data Association (IrDA) technology, ultra wide band (UWB) technology and bluetooth (BT)
Technology etc., to promote short range communication.
Display in above-mentioned Fig. 4 and Fig. 5 includes screen, and screen may include liquid crystal display (LCD) and touch surface
Plate (TP).If screen includes touch panel, screen may be implemented as touch screen, to receive input signal from the user.
Touch panel includes one or more touch sensors to sense the gesture on touch, slide, and touch panel.The touch passes
Sensor can not only sense the boundary of a touch or slide action, but also detect associated with the touch or slide operation lasting
Time and pressure.
Power supply module in above-mentioned Fig. 4 and Fig. 5, the various assemblies of equipment provide electric power where power supply module.Power supply group
Part may include power-supply management system, one or more power supplys and other with generated for equipment where power supply module, management and point
With the associated component of electric power.
It should be understood by those skilled in the art that, the embodiment of the present invention can provide as method, system or computer program
Product.Therefore, complete hardware embodiment, complete software embodiment or reality combining software and hardware aspects can be used in the present invention
Apply the form of example.Moreover, it wherein includes the computer of computer usable program code that the present invention, which can be used in one or more,
The computer program implemented in usable storage medium (including but not limited to magnetic disk storage, CD-ROM, optical memory etc.) produces
The form of product.
The present invention be referring to according to the method for the embodiment of the present invention, the process of equipment (system) and computer program product
Figure and/or block diagram describe.It should be understood that every one stream in flowchart and/or the block diagram can be realized by computer program instructions
The combination of process and/or box in journey and/or box and flowchart and/or the block diagram.It can provide these computer programs
Instruct the processor of general purpose computer, special purpose computer, Embedded Processor or other programmable data processing devices to produce
A raw machine, so that being generated by the instruction that computer or the processor of other programmable data processing devices execute for real
The device for the function of being specified in present one or more flows of the flowchart and/or one or more blocks of the block diagram.
These computer program instructions, which may also be stored in, is able to guide computer or other programmable data processing devices with spy
Determine in the computer-readable memory that mode works, so that it includes referring to that instruction stored in the computer readable memory, which generates,
Enable the manufacture of device, the command device realize in one box of one or more flows of the flowchart and/or block diagram or
The function of being specified in multiple boxes.
These computer program instructions also can be loaded onto a computer or other programmable data processing device, so that counting
Series of operation steps are executed on calculation machine or other programmable devices to generate computer implemented processing, thus in computer or
The instruction executed on other programmable devices is provided for realizing in one or more flows of the flowchart and/or block diagram one
The step of function of being specified in a box or multiple boxes.
In a typical configuration, calculating equipment includes one or more processors (CPU), input/output interface, net
Network interface and memory.
Memory may include the non-volatile memory in computer-readable medium, random access memory (RAM) and/or
The forms such as Nonvolatile memory, such as read-only memory (ROM) or flash memory (flash RAM).Memory is computer-readable medium
Example.
Computer-readable medium includes permanent and non-permanent, removable and non-removable media can be by any method
Or technology come realize information store.Information can be computer readable instructions, data structure, the module of program or other data.
The example of the storage medium of computer includes, but are not limited to phase change memory (PRAM), static random access memory (SRAM), moves
State random access memory (DRAM), other kinds of random access memory (RAM), read-only memory (ROM), electric erasable
Programmable read only memory (EEPROM), flash memory or other memory techniques, read-only disc read only memory (CD-ROM) (CD-ROM),
Digital versatile disc (DVD) or other optical storage, magnetic cassettes, tape magnetic disk storage or other magnetic storage devices
Or any other non-transmission medium, can be used for storage can be accessed by a computing device information.As defined in this article, it calculates
Machine readable medium does not include temporary computer readable media (transitory media), such as the data-signal and carrier wave of modulation.
It should also be noted that, the terms "include", "comprise" or its any other variant are intended to nonexcludability
It include so that the process, method, commodity or the equipment that include a series of elements not only include those elements, but also to wrap
Include other elements that are not explicitly listed, or further include for this process, method, commodity or equipment intrinsic want
Element.In the absence of more restrictions, the element limited by sentence "including a ...", it is not excluded that including described want
There is also other identical elements in the process, method of element, commodity or equipment.
The above description is only an example of the present application, is not intended to limit this application.For those skilled in the art
For, various changes and changes are possible in this application.All any modifications made within the spirit and principles of the present application are equal
Replacement, improvement etc., should be included within the scope of the claims of this application.
Claims (10)
1. a kind of insurance products recommended method is suitable for server, which is characterized in that the described method includes:
Receive the personal information that user is reported by terminal device；
Labeling is carried out from personal information of multiple dimensions to the user, obtains the multidimensional attribute label of the user；
By the progress in the attribute tags and risk attributes mapping relations safeguarded in advance of the multidimensional attribute label of the user
Match, obtains risk attributes of the user under kinds of risks item；
According to the guarantor of the user each insurance products defined in the risk attributes and insurance products template under kinds of risks item
Dangerous responsibility and risk attributes determine the candidate insurance products template being adapted to the user；
According to the purchasing power information of risk attributes and user owning user group of the user under kinds of risks item,
Calculate the recommendation index of the candidate insurance products template；
According to the recommendation index of the candidate insurance products template, the target insurance products mould for needing to recommend the user is determined
Plate；
Premium and insured amount configuration are carried out to the target insurance products template, target insurance products is generated, the target is protected
Dangerous product is sent to the terminal device of the user.
2. the method according to claim 1, wherein the risk attributes according to the user under kinds of risks item
With the purchasing power information of user's owning user group, the recommendation index of the candidate insurance products template is calculated, comprising:
According to the corresponding attribute value of risk attributes of the user under kinds of risks item, the risk of the user is calculated；
According to the purchasing power information of the ranking of the risk of the user and user's owning user group, the time is calculated
Select the recommendation index of insurance products template.
3. according to the method described in claim 2, it is characterized in that, risk attributes according to the user under kinds of risks item
Corresponding attribute value calculates the risk of the user, comprising:
Labeling is carried out to the historical user information that previous user inputs from multiple dimensions, obtains the various dimensions of the previous user
Attribute tags；
According to the life cycle label in the multidimensional attribute label of previous user, the target customers that insurance is recommended are determined；
The multidimensional attribute label for the target customers that insurance is recommended is clustered, target customers are divided into difference
Objective realm type；
It is accepted insurance data of settling a claim according to the different objective realm type history, calculates the loss ratio of each risk attributes Related product,
It is converted through hundred-mark system, obtains the attribute value of the risk attributes under the corresponding every kind of risk item of the objective realm type；
Summation is weighted to the attribute value of the risk attributes under kinds of risks item, obtains the risk of the user.
4. the method according to claim 1, wherein according to the recommendation index of the candidate insurance products template,
Determine the target insurance products template for needing to recommend the user, comprising:
From the multidimensional attribute label of the user, life cycle locating for the user and income level information are obtained；
According to life cycle locating for the user and income level information, the recommendation index of candidate insurance products is adjusted
It is whole；
According to the recommendation index adjusted of each candidate insurance products, determination needs to recommend from the candidate insurance products template
To the target insurance products template of the user.
5. the method according to claim 1, wherein the target insurance products are sent to the user's
Before terminal device, further includes:
Judge whether the sum of premium of all target insurance products recommended to the user exceeds the receiving threshold value of the user of setting；
If judging result be it is no, the target insurance products are sent to the terminal device of the user；
If the determination result is YES, then the target insurance products are adjusted, until all target insurance products recommended to the user
The sum of premium is less than the receiving threshold value of the user of setting.
6. a kind of insurance products recommended method is suitable for terminal device, which is characterized in that the described method includes:
Show data input interface,
In response to input operation of the user on data input interface, the personal information of user's input is obtained；
The trigger action that control is submitted in response to the information on data input interface sends the personal information to server, with
Target insurance products are recommended to user according to personal information for server；
The target insurance products that server returns are received, so that terminal device shows the target insurance products.
7. a kind of server characterized by comprising memory, processor and communication component；
The memory, for storing computer program；
The communication component, for establishing the communication linkage between the terminal device of user and server；
The processor, for executing the computer program, to be used for:
The personal information that user is reported by terminal device is received by communication component；
Labeling is carried out from personal information of multiple dimensions to the user, obtains the multidimensional attribute label of the user；
By the progress in the attribute tags and risk attributes mapping relations safeguarded in advance of the multidimensional attribute label of the user
Match, obtains risk attributes of the user under kinds of risks item；
According to the guarantor of the user each insurance products defined in the risk attributes and insurance products template under kinds of risks item
Dangerous responsibility and risk attributes determine the candidate insurance products template being adapted to the user；
According to the purchasing power information of risk attributes and user owning user group of the user under kinds of risks item,
Calculate the recommendation index of the candidate insurance products template；
According to the recommendation index of the candidate insurance products template, the target insurance products mould for needing to recommend the user is determined
Plate；
Premium and insured amount configuration are carried out to the target insurance products template, target insurance products is generated, passes through communication component
The target insurance products are sent to the terminal device of the user.
8. a kind of computer readable storage medium for being stored with computer program, which is characterized in that when the computer program quilt
When one or more processors execute, causing one or more of processors to execute includes movement below:
Receive the personal information that user is reported by terminal device；
Labeling is carried out from personal information of multiple dimensions to the user, obtains the multidimensional attribute label of the user；
By the progress in the attribute tags and risk attributes mapping relations safeguarded in advance of the multidimensional attribute label of the user
Match, obtains risk attributes of the user under kinds of risks item；
According to the guarantor of the user each insurance products defined in the risk attributes and insurance products template under kinds of risks item
Dangerous responsibility and risk attributes determine the candidate insurance products template being adapted to the user；
According to the purchasing power information of risk attributes and user owning user group of the user under kinds of risks item,
Calculate the recommendation index of the candidate insurance products template；
According to the recommendation index of the candidate insurance products template, the target insurance products mould for needing to recommend the user is determined
Plate；
Premium and insured amount configuration are carried out to the target insurance products template, target insurance products is generated, the target is protected
Dangerous product is sent to the terminal device of the user.
9. a kind of terminal device characterized by comprising memory, processor and communication component；
The communication component, for establishing the communication connection between terminal device and server；
The memory, for storing computer program；
The processor, for executing the computer program, to be used for:
Show data input interface,
In response to input operation of the user on data input interface, the personal information of user's input is obtained；
The trigger action that control is submitted in response to the information on data input interface, by communication component to described in server transmission
Personal information, so that server recommends target insurance products to user according to personal information；
The target insurance products that server returns are received by communication component, so that terminal device shows that the target insurance produces
Product.
10. a kind of computer readable storage medium for being stored with computer program, which is characterized in that when the computer program quilt
When one or more processors execute, causing one or more of processors to execute includes movement below:
Show data input interface,
In response to input operation of the user on data input interface, the personal information of user's input is obtained；
The trigger action that control is submitted in response to the information on data input interface sends the personal information to server, with
Target insurance products are recommended to user according to personal information for server；
The target insurance products that server returns are received, so that terminal device shows the target insurance products.
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| CN201910204576.2A CN110335157A (en) | 2019-03-18 | 2019-03-18 | Insurance products recommended method, equipment and storage medium |
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| CN201910204576.2A CN110335157A (en) | 2019-03-18 | 2019-03-18 | Insurance products recommended method, equipment and storage medium |
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| CN113256383B (en) * | 2021-06-02 | 2021-10-08 | 国任财产保险股份有限公司 | Recommendation method and device for insurance products, electronic equipment and storage medium |
| CN113256383A (en) * | 2021-06-02 | 2021-08-13 | 国任财产保险股份有限公司 | Recommendation method and device for insurance products, electronic equipment and storage medium |
| CN113362137A (en) * | 2021-06-11 | 2021-09-07 | 北京十一贝科技有限公司 | Insurance product recommendation method and device, terminal equipment and storage medium |
| CN113362137B (en) * | 2021-06-11 | 2024-04-05 | 北京十一贝科技有限公司 | Insurance product recommendation method and device, terminal equipment and storage medium |
| CN113724038A (en) * | 2021-08-02 | 2021-11-30 | 泰康保险集团股份有限公司 | Method, device, equipment and medium for personalized recommendation of insurance products |
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