CN110766559B - Label configuration method and device - Google Patents
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Abstract
The application discloses a label configuration method and a label configuration device. The method comprises the following steps: acquiring a risk record and a risk report of a user; determining an insurance product label and a risk characteristic label according to the risk record and the risk report; and establishing a mapping relation between the insurance product label and the risk characteristic label. The device comprises: the acquiring module is used for acquiring the risk record and the risk report of the user; the determining module is used for determining an insurance product label and a risk characteristic label according to the risk record and the risk report; the building module is used for building a mapping relation between the insurance product label and the risk characteristic label. The application solves the technical problems that the server calculation pressure is high and repeated calculation is excessive because the combination or customization of insurance products is not related to the establishment of the risk characteristics.
Description
Technical Field
The application relates to the field of insurance, in particular to a label configuration method and a label configuration device.
Background
The inventor finds that the online danger-giving system needs the user to input personal information, and selects insurance types, ensured contents, ensured amounts and the like through interface operation; custom insurance and combination insurance products are introduced herein, but whichever product differs from the stored products stored in the database can be considered a new insurance product generated by use by the user; the new insurance products and the new insurance features do not have an association relationship, so that the insurance products still need to be recombined or customized in the subsequent use, the calculation pressure of the server is large, and the repeated calculation is excessive.
Aiming at the problems that the server calculation pressure is high and repeated calculation is excessive caused by combining or customizing insurance products and establishing association with the insurance features in the related technology, no effective solution is proposed at present.
Disclosure of Invention
The application mainly aims to provide a label configuration method and a label configuration device, which are used for solving the problems that the calculation pressure of a server is high and repeated calculation is excessive because a combination or customized insurance product is not associated with a risk feature.
In order to achieve the above object, according to one aspect of the present application, there is provided a tag configuration method.
The tag configuration method according to the present application includes: acquiring a risk record and a risk report of a user; determining an insurance product label and a risk characteristic label according to the risk record and the risk report; and establishing a mapping relation between the insurance product label and the risk characteristic label.
Further, after determining the insurance product label and the risk feature label according to the risk record and the risk report, the method further comprises: storing the insurance product label as an updated insurance product for the user; and generating an insurance suggestion according to the risk report and the updated insurance product.
Further, determining an insurance product label and a risk feature label from the risk record and the risk report includes: extracting an insurance product label from the insurance record; and extracting a risk characteristic label from the risk report.
Further, before the risk record and the risk report of the user are obtained, the method further comprises: receiving an insurance customization request sent by a user at a terminal; invoking risk characteristics and risk probability of a user; determining the type and the duty ratio of the content to be ensured according to the risk characteristics and the risk probability; customizing to obtain an insurance product according to the type and the duty ratio of the content to be ensured, and outputting the insurance product at a terminal; and when the user sends out an insurance request at the terminal, generating the insurance record.
Further, when the user sends out the risk request at the terminal, the step of generating the risk record further includes: outputting the risk record at a terminal; receiving an adjustment operation of a user on an insurance meeting record interface; the insurance items and/or the insurance amounts in the insurance product are configured to adjust the content obtained in the operation.
In order to achieve the above object, according to another aspect of the present application, there is provided a tag configuring apparatus.
The tag configuration apparatus according to the present application includes: the acquiring module is used for acquiring the risk record and the risk report of the user; the determining module is used for determining an insurance product label and a risk characteristic label according to the risk record and the risk report; the building module is used for building a mapping relation between the insurance product label and the risk characteristic label.
Further, the method further comprises the following steps: an insurance suggestion module for storing the insurance product label as an updated insurance product for the user; and generating an insurance suggestion according to the risk report and the updated insurance product.
Further, the determining module includes: extracting an insurance product label from the insurance record; and extracting a risk characteristic label from the risk report.
Further, the method further comprises the following steps: the insurance customizing module is used for receiving an insurance customizing request sent by a user at the terminal; invoking risk characteristics and risk probability of a user; determining the type and the duty ratio of the content to be ensured according to the risk characteristics and the risk probability; customizing to obtain an insurance product according to the type and the duty ratio of the content to be ensured, and outputting the insurance product at a terminal; and when the user sends out an insurance request at the terminal, generating the insurance record.
Further, the method further comprises the following steps: the content adjusting module is used for outputting the risk record at the terminal; receiving an adjustment operation of a user on an insurance meeting record interface; the insurance items and/or the insurance amounts in the insurance product are configured to adjust the content obtained in the operation.
In the embodiment of the application, a label configuration mode is adopted, and the risk record and the risk report of the user are obtained; determining an insurance product label and a risk characteristic label according to the risk record and the risk report; establishing a mapping relation between the insurance product label and the risk characteristic label; the method and the device achieve the aim of establishing the association between the combined or customized insurance product and the risk feature, thereby realizing the technical effects of reducing the calculation pressure and the calculation amount of the server, and further solving the technical problems of high calculation pressure and excessive repeated calculation of the server caused by the fact that the combined or customized insurance product is not associated with the risk feature.
Drawings
The accompanying drawings, which are included to provide a further understanding of the application, are incorporated in and constitute a part of this specification. The drawings and their description are illustrative of the application and are not to be construed as unduly limiting the application. In the drawings:
FIG. 1 is a schematic flow chart of a tag configuration method according to a first embodiment of the present application;
FIG. 2 is a flowchart of a tag configuration method according to a second embodiment of the present application;
FIG. 3 is a flowchart of a tag configuration method according to a third embodiment of the present application;
FIG. 4 is a flowchart of a tag configuration method according to a fourth embodiment of the present application;
FIG. 5 is a flowchart of a tag configuration method according to a fifth embodiment of the present application;
fig. 6 is a schematic structural view of a tag arrangement apparatus according to the first embodiment of the present application.
Detailed Description
In order that those skilled in the art will better understand the present application, a technical solution in the embodiments of the present application will be clearly and completely described below with reference to the accompanying drawings in which it is apparent that the described embodiments are only some embodiments of the present application, not all embodiments. All other embodiments, which can be made by those skilled in the art based on the embodiments of the present application without making any inventive effort, shall fall within the scope of the present application.
It should be noted that the terms "first," "second," and the like in the description and the claims of the present application and the above figures are used for distinguishing between similar objects and not necessarily for describing a particular sequential or chronological order. It is to be understood that the data so used may be interchanged where appropriate in order to describe the embodiments of the application herein. Furthermore, the terms "comprises," "comprising," and "having," and any variations thereof, are intended to cover a non-exclusive inclusion, such that a process, method, system, article, or apparatus that comprises a list of steps or elements is not necessarily limited to those steps or elements expressly listed but may include other steps or elements not expressly listed or inherent to such process, method, article, or apparatus.
In the present application, the terms "upper", "lower", "left", "right", "front", "rear", "top", "bottom", "inner", "outer", "middle", "vertical", "horizontal", "lateral", "longitudinal" and the like indicate an azimuth or a positional relationship based on that shown in the drawings. These terms are only used to better describe the present application and its embodiments and are not intended to limit the scope of the indicated devices, elements or components to the particular orientations or to configure and operate in the particular orientations.
Also, some of the terms described above may be used to indicate other meanings in addition to orientation or positional relationships, for example, the term "upper" may also be used to indicate some sort of attachment or connection in some cases. The specific meaning of these terms in the present application will be understood by those of ordinary skill in the art according to the specific circumstances.
Furthermore, the terms "mounted," "configured," "provided," "connected," "coupled," and "sleeved" are to be construed broadly. For example, it may be a fixed connection, a removable connection, or a unitary construction; may be a mechanical connection, or an electrical connection; may be directly connected, or indirectly connected through intervening media, or may be in internal communication between two devices, elements, or components. The specific meaning of the above terms in the present application can be understood by those of ordinary skill in the art according to the specific circumstances.
It should be noted that, without conflict, the embodiments of the present application and features of the embodiments may be combined with each other. The application will be described in detail below with reference to the drawings in connection with embodiments.
According to an embodiment of the present application, as shown in fig. 1, there is provided a tag configuration method, which includes steps S100 to S104 as follows:
Step S100, acquiring an insurance record and a risk report of a user;
after the danger is generated, automatically generating a danger-generating record; after analyzing the user data, a risk report is generated; and the generated risk records and risk reports are stored under the archives of the user, and after the records are stored, the risk records and the risk reports of the user are automatically obtained from a stored database, so that data guarantee is provided for determining new insurance product labels and risk characteristic labels.
According to an embodiment of the present invention, preferably, as shown in fig. 4, before acquiring the risk record and the risk report of the user, a recommendation method for customizing the insurance is further included:
step S400, receiving an insurance customization request sent by a user at a terminal;
step S402, invoking risk characteristics and risk probability of a user;
step S404, determining the type and the duty ratio of the content to be ensured according to the risk characteristics and the risk probability;
step S406, customizing to obtain an insurance product according to the type and the duty ratio of the content to be ensured, and outputting the insurance product at the terminal;
and step S408, when the user sends out an insurance request at the terminal, generating the insurance record.
And configuring application processing software on the terminal, when a user opens the software and sends an insurance customization request in the software interface, judging a user identification code according to the request after the server receives the request, and calling corresponding information according to the identification code.
According to an embodiment of the present invention, preferably, the invoking the risk feature and the risk probability of the user includes:
invoking a financial risk feature and a financial risk probability of the user;
invoking health risk characteristics and health risk probability of a user;
and calling the behavior risk characteristics and the behavior risk probability of the user.
After the user identification code is judged, the financial risk characteristics and the financial risk probability stored under the user file are called according to the identification code, and the health risk characteristics, the health risk probability, the risk characteristics and the behavior risk probability are called; the risk probability is determined by corresponding calculation of the risk features.
Such as: the financial risk feature may be an investment deficit, and then an investment risk prediction result is determined according to the investment deficit rate obtained by calculating the investment deficit, the higher the investment risk is, the higher the financial risk probability is, and finally the financial risk probability is obtained by calculating according to the prediction result.
For another example: the health risk features can be genetic diseases, a prediction result of genetic risk is determined according to whether the family has the genetic diseases and the occurrence probability of the genetic diseases, the higher the genetic risk is, the higher the health risk probability is, and finally the health risk probability is calculated according to the prediction result.
For another example: the behavior risk feature can be a traffic accident risk, a prediction result of the traffic accident risk is determined according to the riding traffic tool, the departure place and the destination, the higher the traffic accident risk is, the higher the behavior risk probability is, and finally the behavior risk probability is calculated according to the prediction result.
The security content type and the determination of the proportion of the items in the security content can be provided through the risk characteristics and the risk probability of the user.
According to the embodiment of the present invention, preferably, determining the type and the duty ratio of the content to be ensured according to the risk characteristics and the risk probability includes:
determining content to be ensured according to the risk characteristics;
extracting corresponding guarantee items from the original insurance product as the types of the guarantee contents;
and determining the duty ratio of the guaranteed content according to the risk probability.
According to the preset mapping relation between the security item labels and the risk feature labels, after a request is received and the risk features and the risk probability are called, all security items with the mapping relation with the called risk features can be used as the types of security contents; and determining the duty ratio of each guarantee item in the guarantee content according to the risk probability, wherein the larger the probability is, the larger the weight of the set guarantee item is, and the larger the duty ratio is.
Such as: the security content comprises three types of security items, namely serious illness security, train traffic security and investment security, and the risk probability is respectively 70%, 80% and 50%, and the ratio is 7:8:5.
According to an embodiment of the present invention, preferably, determining the content to be secured according to the risk characteristics includes:
presetting a mapping relation between risk characteristic labels and guarantee items;
and determining the items to be ensured projected by the risk features according to the mapping relation, and obtaining the contents to be ensured.
There is a link between the risk features and the insurance products, and further refinement is actually that there is a link between the risk features and the insurance items, in this embodiment, a mapping relationship is established using the latter link. Specifically, risk feature tags are set according to risks that may occur, and in this embodiment, preferably, the risk feature tags mainly refer to a financial risk feature tag, a health risk feature tag, and a behavioral risk feature tag; extracting a guarantee item from the existing insurance product and configuring a guarantee item label; and finally, establishing a mapping relation between the risk feature label with the connection and the security item label, wherein according to the mapping relation, when the risk feature is determined, the risk feature label can be automatically associated to the item to be secured of the user.
Customizing the determined types and the duty ratio of the guaranteed content into an insurance product, setting all the types of the guaranteed content in a policy interface, and outputting the duty ratio; such as: the types of three guarantee items of serious illness insurance, train traffic insurance and investment insurance are displayed in the insurance policy interface, and a duty ratio frame is added after each type for displaying the duty ratio. The recommendation of one insurance product is customized without combining a plurality of insurance product machines, so that the situation that no guarantee items are needed by users in the plurality of insurance products is avoided, the accuracy of the types of the guarantee contents is improved, the occupation ratio of each guarantee item can be determined according to the risk probability, the user insurance cost is further reduced, and the optional guarantee items cannot be ensured; and the user experience is improved.
According to the embodiment of the invention, preferably, the insurance product is customized according to the type to be ensured and the duty ratio, and the method further comprises the following steps after the terminal outputs:
receiving a guarantee total amount set by a user on an insurance product interface;
and determining the guarantee amount of each item in the content to be guaranteed according to the total guarantee amount, the type and the duty ratio of the content to be guaranteed, and outputting the guarantee amount in a guarantee product interface.
In the output insurance product interface, a guarantee total amount input field is arranged, after the guarantee total amount is input, the server automatically determines the guarantee amount of each item according to the duty ratio, and finally, the insurance product of the complete version is output, and the user can apply after clicking confirmation.
Such as: the security content comprises three types of security items, namely serious illness security, train traffic security and investment security, wherein the risk probabilities are respectively 70%, 80% and 50%, and the ratio is 7:8:5; ensuring that the total amount is 1 ten thousand, and the serious illness insurance, the train traffic insurance and the investment insurance are 3500, 4000 and 2500 respectively; the proportion of the amount of the application is made more reasonable because the higher the risk, the more the user needs to make the application.
According to the embodiment of the invention, preferably, before acquiring the risk record and the risk report of the user, a recommendation method for combining insurance is further included:
step A, establishing a mapping relation between a risk characteristic label and an insurance product label;
according to an embodiment of the present invention, preferably, establishing a mapping relationship between risk feature tags and insurance product tags includes:
establishing a first mapping relation between the financial risk feature tag and the first insurance product tag;
establishing a second mapping relation between the health risk feature tag and a second insurance product tag;
And establishing a third mapping relation between the behavior risk characteristic label and a third insurance product label.
There is a relationship between the risk features and the insurance products, and a mapping relationship is established by using the relationship. Specifically, risk feature tags are set according to risks that may occur, and in this embodiment, preferably, the risk feature tags mainly refer to a financial risk feature tag, a health risk feature tag, and a behavioral risk feature tag; then, configuring an insurance product label according to the existing insurance product; and finally, establishing a mapping relation between the risk feature label with the connection and the insurance product label, wherein according to the mapping relation, when the risk feature is determined, the risk feature label can be automatically associated to the insurance product.
In this embodiment, a first mapping relationship is established between the financial risk feature tag and the first insurance product tag; such as: the financial risk feature label is that investment risk exists in a certain field, and then a mapping relation between insurance product labels related to investment can be established; thus, when it is determined that a user has an investment risk in the field, an insurance product related to the investment is recommended to the user.
In this embodiment, a second mapping relationship is established between the health risk feature tag and the second insurance product tag; such as: if the health risk characteristic label is that the risk of the family genetic disease exists, a mapping relation between insurance product labels related to the disease can be established; thus, when a user is determined to be at risk for a familial genetic disorder, then the user is recommended an insurance product related to the disorder.
In this embodiment, a third mapping relationship is established between the behavioural risk feature tag and the third insurance product tag; such as: if the behavior risk feature label is that natural disaster risk exists, a mapping relation between insurance product labels related to the natural disaster can be established; thus, when the user is determined to be at risk of natural disasters, insurance products related to weather and natural disasters are recommended to the user.
Those skilled in the art will appreciate that multiple risk features may project multiple insurance products, and thus, a combined insurance product may be recommended to a user based on the multiple risk features to achieve an all-round protection.
Step B, receiving an insurance recommendation request sent by a user at a terminal, and calling the risk characteristics of the user;
and determining the combined insurance product projected by the first risk feature according to the mapping relation, and outputting the combined insurance product at a terminal.
According to an embodiment of the present invention, preferably,
receiving an insurance recommendation request sent by a user at a terminal, and calling a first risk characteristic of the user comprises:
receiving an insurance recommendation request sent by a user at a terminal, and calling financial risk characteristics of the user;
determining the combined insurance product projected by the first risk feature according to the mapping relation, and outputting the combined insurance product at a terminal comprises:
And determining a first combined insurance product projected by the financial risk characteristics according to the first mapping relation, and outputting the first combined insurance product at a terminal.
And the terminal is provided with application processing software, when a user opens the software and sends an insurance recommendation request in the software interface, the server judges a user identification code according to the request after receiving the request, and then invokes a first risk feature (financial risk feature) stored under the user file according to the identification code. Then according to the first mapping relation set before, all insurance products corresponding to the financial risk characteristics, namely a first combined insurance product, can be projected, and the combined insurance product is output on a terminal of a user; the aim of intelligently associating the financial risk characteristics with the first combined insurance product is fulfilled, so that the intelligent level and accuracy of insurance recommendation are improved.
According to an embodiment of the present invention, preferably,
receiving an insurance recommendation request sent by a user at a terminal, and calling risk characteristics of the user comprises the following steps:
receiving an insurance recommendation request sent by a user at a terminal, and calling the health risk characteristics of the user;
determining the combined insurance product projected by the first risk feature according to the mapping relation, and outputting the combined insurance product at a terminal comprises:
And C, determining a second combined insurance product projected by the health risk characteristics according to a second mapping relation, and outputting the second combined insurance product at a terminal.
And the terminal is provided with application processing software, when a user opens the software and sends an insurance recommendation request in the software interface, the server judges a user identification code according to the request after receiving the request, and then retrieves a first risk feature (health risk feature) stored under the user file according to the identification code. Then according to the second mapping relation set before, all insurance products corresponding to the health risk characteristics, namely a second combined insurance product, can be projected, and the combined insurance product is output on a terminal of a user; the aim of intelligently correlating the health risk characteristics to the second combined insurance product is fulfilled, so that the intelligent level and accuracy of insurance recommendation are improved.
According to an embodiment of the present invention, preferably,
receiving an insurance recommendation request sent by a user at a terminal, and calling risk characteristics of the user comprises the following steps:
receiving an insurance recommendation request sent by a user at a terminal, and calling behavior risk characteristics of the user;
determining the combined insurance product projected by the first risk feature according to the mapping relation, and outputting the combined insurance product at a terminal comprises:
And determining a third combined insurance product projected by the behavior risk characteristics according to a third mapping relation, and outputting the third combined insurance product at a terminal.
And the terminal is provided with application processing software, when a user opens the software and sends an insurance recommendation request in the software interface, the server judges a user identification code according to the request after receiving the request, and then invokes a first risk feature (behavior risk feature) stored under the user file according to the identification code. Then according to the third mapping relation set before, all insurance products corresponding to the behavior risk characteristics, namely a third combined insurance product, can be projected, and the combined insurance product is output on a terminal of a user; the aim of intelligently associating the behavior risk characteristics to the third combined insurance product is fulfilled, so that the intelligent level and accuracy of insurance recommendation are improved.
According to an embodiment of the present invention, preferably, the first risk feature includes: the method comprises the steps of determining financial risk characteristics, behavior risk characteristics and health risk characteristics respectively according to mapping relations, combining the financial risk characteristics, the behavior risk characteristics and the health risk characteristics to form a combined insurance product, and outputting the combined insurance product on a terminal of a user; the aim of intelligently associating the multi-dimensional risk characteristics to the combined insurance product is fulfilled, so that the intelligent level and accuracy of insurance recommendation are improved.
According to the embodiment of the present invention, preferably, the method for generating the risk report further includes the following steps:
step D, acquiring first-dimension user data;
and E, inputting the first-dimension user data into a first preset risk analysis model to generate a first user risk report.
According to an embodiment of the present invention, preferably,
acquiring the first dimension user data includes:
the user database acquires financial consumption data of a first user according to a period;
inputting the first-dimension user data into a first preset risk analysis model, and generating a first user risk report comprises:
and inputting the financial consumption data into a preset financial risk analysis model to generate a financial risk report of the first user.
After the personal data profiling is completed, when a user opens application processing software at the mobile phone end to enter a financial operation interface, three selection buttons are arranged in the financial operation interface, and the three selection buttons are respectively used for manually inputting financial data, automatically crawling the financial data generated by the user at the mobile phone end and manually importing the financial data generated by the user at the mobile phone end.
During actual use, a user can select any one type for inputting financial data according to actual conditions, and can also input the financial data by combining two or more types of data; ensuring the integrity of the financial data.
In this embodiment, manually entering financial data is a user manually entering personal financial data with reference to his own financial information.
In the embodiment, a user manually imports financial data generated at a mobile phone end to access interfaces such as payment treasures, weChat and the like after the user authorizes, automatically analyzes mobile phone short messages of the user, and perfects the financial data of the user according to consumption short messages such as daily mobile phone banking, payment treasures WeChat and the like; and providing an entry type bank running water data report, and analyzing the user balance condition.
In this embodiment, the automatic crawling user uses the financial data generated by the user at the mobile phone end as the authorized binding user mailbox, and analyzes the financial data such as the user payment treasured WeChat and the like through the POP3/SMTP/IMAP protocol, so as to further perfect the financial data.
In this embodiment, preferably, the three ways are combined to obtain the financial consumption data in the preset period, so as to provide data guarantee for the generation of the next financial risk report.
After the financial consumption data is obtained, the financial consumption data is input into a preset financial risk analysis model for risk analysis, and a financial risk report is obtained.
Such as: uniformly analyzing WeChat, bill of payment treasures and income level in the financial consumption data, analyzing the proportion of expenditure to income, judging whether the proportion is higher than a certain threshold value, and giving out a risk prompt that the expenditure is too high and can not be covered if the proportion is higher than the certain threshold value; and setting the balance ratio, the risk prompt and the personal information of the user into a block to generate a financial risk report.
For another example: analyzing investment income in financial consumption data, analyzing loss rate or return rate, and giving a prompt of whether investment has continuous loss risk or not according to the loss rate or return rate; the loss rate or return rate, risk prompt and personal information of the user are set together to generate a financial risk report.
Therefore, the user can check the financial risk report, correspondingly adjust or purchase corresponding insurance, prevent risk, accurately know the type of financial insurance to be selected according to the type of risk, and overcome the defect of difficult financial insurance selection.
According to an embodiment of the present invention, preferably,
acquiring the first dimension user data includes:
the user database acquires health data of a first user according to a period;
inputting the first-dimension user data into a first preset risk analysis model, and generating a first user risk report comprises:
and inputting the health data into a preset health risk analysis model to generate a health risk report of the first user.
After the personal data is documented, when a user opens application processing software at a mobile phone end to enter a health operation interface, the user can import health data in an interface mode; or, health data (such as family history) is automatically input at the mobile phone end.
In this embodiment, the user manually imports the health data generated at the mobile phone end; or, health data (such as family history) is automatically input into the mobile phone terminal, and then the user is authorized, and then interfaces of wearable equipment, step counting software and the like are accessed or input, so that data of the exercise steps, heart rate, blood pressure, sleep, pressure and the like of the user are imported.
After the health data are obtained, the health data are input into a preset health risk analysis model for risk analysis, and then a health risk report is obtained.
Such as: analyzing the heart rate in the health data, judging whether the heart rate is within a preset threshold range, if so, indicating that the abnormal heart rate exists, and giving a risk prompt; the heart rate abnormality, risk cues and user personal information are set together to generate a health (heart rate) risk report.
For another example: analyzing the breath in the health data, judging whether the breath is in a preset threshold range, if so, indicating that the abnormal breath problem exists, and giving a risk prompt; the abnormal breathing, risk cues and personal information of the user are set together to generate a health (breathing) risk report.
For another example: analyzing heart rate, blood pressure, sleep and pressure in the health data simultaneously, judging whether the heart rate, the blood pressure, the sleep and the pressure are within a preset threshold range, if so, indicating that the problems of abnormal heart rate, blood pressure, sleep and pressure exist, and giving a risk prompt; the heart rate, blood pressure, sleep, abnormal pressure, risk cues and personal information of the user are set together to generate a health (heart rate, blood pressure, sleep, pressure) risk report.
For another example: analyzing family medical history in the health data, judging the probability of the user having the same focus, judging whether the probability is within a preset threshold range, if not, considering that the user has a disease risk and giving a risk prompt; the risk of illness, risk prompt and personal information of the user are set together to generate a health (illness) risk report.
Therefore, the user can check the health risk report, correspondingly adjust or purchase the corresponding health insurance, prevent the occurrence of risks, and accurately know the type of the health insurance to be selected according to the type of the risk, thereby overcoming the defect of difficult selection of the health insurance.
According to an embodiment of the present invention, preferably,
acquiring the first dimension user data includes:
the user database acquires behavior data of a first user according to a period;
inputting the first-dimension user data into a first preset risk analysis model, and generating a first user risk report comprises:
and inputting the behavior data into a preset behavior risk analysis model to generate a behavior risk report of the first user.
After the personal data profiling is finished, when a user opens application processing software at a mobile phone end to enter a behavior operation interface, the user can import behavior data in an interface mode; or, automatically inputting behavior data at the mobile phone terminal.
In this embodiment, the user may import behavior data by means of an interface; or automatically inputting behavior data at the mobile phone end, namely accessing a mobile phone short message interface, and software interfaces of travel, traffic, catering, accommodation and the like, importing user traffic data (automobiles, airplanes, drips and the like), catering data (beauty, hunger, masses, kender and the like) and accommodation data (carrying range, flying pigs, same range and the like).
In this embodiment, the user may also authorize the positioning, and the system coarsely records the user location, forming user activity data.
After the behavior data are obtained, the behavior data are input into a preset behavior risk analysis model for risk analysis, and then a behavior risk report is obtained.
Such as: analyzing the traffic data in the behavior data, analyzing frequent residence places, frequent business trips, transportation means, frequent ticket buying software and the like of the user, and accordingly giving traffic risk prompts according to the analyzed information; the behavior (traffic) risk report is generated by setting up the frequent residence, frequent business trip, vehicles, frequent ticket purchasing software, etc. and personal information of the user to one block.
For another example: the catering data in the behavior data are analyzed, so that frequent eating merchants, frequent takeout software and the like of a user can be analyzed, and prompt of delay risks of meal delivery can be given according to the analyzed information; the behavior (catering) risk report is generated by setting up the frequent eating business, the frequent take-away software, etc., and the personal information of the user together.
For another example: the accommodation data in the behavior data are analyzed, so that users can be analyzed to stay in hotels and accommodation software which are used frequently, and the like, and a prompt of safety risk can be given according to the analyzed information; the behavioral (accommodation) risk report is generated by setting up the frequent eating business, the frequent takeout software, etc., and the personal information of the user together.
For another example: analyzing the position data in the behavior data, analyzing the position of the user, and further forming activity data, so that prompts of traffic jam and safety risk can be given according to the analyzed information; the location of the user and personal information of the user are set together to generate a behavior (accommodation) risk report.
Therefore, the user can check the health risk report, correspondingly adjust or purchase the corresponding health insurance, prevent the occurrence of risks, and accurately know the type of the health insurance to be selected according to the type of the risk, thereby overcoming the defect of difficult selection of the health insurance.
According to an embodiment of the present invention, preferably, before acquiring the user data in the first dimension, the method further includes:
acquiring user personal data acquired through a wearable intelligent device;
And establishing a user database according to the user personal data.
The user personal data includes: information such as age, gender, name, mobile phone number, height, weight and the like of the user; in this embodiment, preferably, the information of the age, sex, name and mobile phone number of the user can be actively input through the mobile phone terminal; height and weight information can be acquired through the wearable equipment.
The corresponding information input at the mobile phone end can be: entering a registration page, and filling corresponding information in the page to finish registration; corresponding information may also be accessed from a third party interface, such as: corresponding information is accessed from interfaces such as WeChat, payment treasures and the like; the user can be guided to complete registration through the mobile phone end in an off-line mode.
After information is input, the server defaults to finish user profiling, and data of each user are stored in a structural storage mode; when other data of the user appears, the data is also stored under the archive name.
According to the embodiment of the invention, preferably, two or three of financial consumption data, health data and behavior data of the user can be obtained simultaneously, and the corresponding model is input for risk analysis, so that an omnibearing risk report is finally generated; according to the risk category personnel in the risk report, the personnel can know the insurance category which the personnel should select, and the defect of difficult selection of health insurance is overcome.
According to an embodiment of the present invention, preferably, as shown in fig. 5, when a user issues an risk-out request at a terminal, after generating the risk-out record, the method further includes:
step S500, outputting the risk record at the terminal;
step S502, receiving an adjustment operation of a user on an insurance meeting record interface;
step S504, the guarantee items and/or the guarantee amounts in the insurance products are configured to adjust the content obtained in the operation.
The insurance record interface is provided with an addition/deletion button of the insurance item, so that the insurance item can be automatically added/deleted; and the duty ratio can also be input by self according to the actual situation, and the background can calculate the guarantee amount according to the input proportion and the finally determined guarantee item.
Step S102, determining an insurance product label and a risk characteristic label according to the risk record and the risk report;
preferably, according to an embodiment of the present invention, as shown in fig. 3, determining an insurance product label and a risk feature label according to the risk report and the risk record includes:
step S300, extracting an insurance product label from the insurance record;
step S302, extracting a risk characteristic label from the risk report.
After the user finishes the insurance by combining insurance or customizing insurance, a corresponding insurance record is generated, wherein the insurance record at least comprises the name and related content of the insurance product, and the server automatically updates the combined insurance or customizing insurance product into an insurance product library as a new insurance product.
After the insurance is completed in the traditional insurance mode, corresponding insurance record is generated, and in the embodiment, the updating operation is not performed on the insurance product library; corresponding judgment can be made according to the insurance request (combination insurance request, custom insurance request and traditional insurance request), if the combination insurance or custom insurance request is in the follow-up execution program, the update operation is executed on the insurance product library, otherwise, the update operation is not executed if the update operation is the traditional insurance request.
After analysis is performed according to the user data, a risk report of the user is generated, wherein the risk report at least comprises user identification information, risk characteristics and risk probability, and corresponding risk characteristics are extracted from the risk report to serve as risk characteristic labels.
Thereby providing data guarantee for establishing the mapping relation between the risk characteristic label and the insurance product label.
According to an embodiment of the present invention, preferably, as shown in fig. 2, after determining the insurance product label and the risk feature label according to the risk record and the risk report, the method further includes:
Step 200, storing the insurance product label as an updated insurance product of the user;
and step S202, generating an insurance suggestion according to the risk report and the updated insurance product.
The insurance products with the insurance product labels are updated into an insurance product database to be used as new insurance products for users to select, the updated insurance products are obtained by combining insurance and customizing insurance, and the factors such as behavior risk characteristics, health analysis characteristics, financial risk characteristics and the like of the users are considered, so that the insurance products have higher referential property, and accordingly, corresponding insurance can be recommended to the users more accurately by combining the risk report and the updated insurance products to be used as insurance suggestions, and the updated insurance products are used as important references when the users can purchase the insurance again.
And step S104, establishing a mapping relation between the insurance product label and the risk characteristic label.
After the insurance product label and the risk feature label are extracted, a mapping relation between the insurance product label and the risk feature label is established according to the corresponding relation between the occurrence record and the risk report which are originally existed, so that when other users apply the same risk feature, the corresponding new insurance product is automatically associated to the users, and the combined or customized insurance product does not need to be reconstructed, so that the calculation pressure of the server is reduced, and the calculation amount is reduced; whether the insurance is combined or customized, corresponding risk characteristics are determined according to the risk report before the risk record is generated, and the guarantee content is determined according to the risk characteristics, so that a corresponding relationship exists between the record and the risk report.
From the above description, it can be seen that the following technical effects are achieved:
in the embodiment of the application, a label configuration mode is adopted, and the risk record and the risk report of the user are obtained; determining an insurance product label and a risk characteristic label according to the risk record and the risk report; establishing a mapping relation between the insurance product label and the risk characteristic label; the method and the device achieve the aim of establishing the association between the combined or customized insurance product and the risk feature, thereby realizing the technical effects of reducing the calculation pressure and the calculation amount of the server, and further solving the technical problems of high calculation pressure and excessive repeated calculation of the server caused by the fact that the combined or customized insurance product is not associated with the risk feature.
It should be noted that the steps illustrated in the flowcharts of the figures may be performed in a computer system such as a set of computer executable instructions, and that although a logical order is illustrated in the flowcharts, in some cases the steps illustrated or described may be performed in an order other than that illustrated herein.
According to an embodiment of the present application, there is also provided an apparatus for implementing the tag configuration method, as shown in fig. 6, where the apparatus includes:
An acquiring module 10, configured to acquire an insurance record and a risk report of a user;
a determining module 20 for determining an insurance product label and a risk feature label according to the risk record and the risk report;
and the establishing module 30 is configured to establish a mapping relationship between the insurance product label and the risk feature label.
From the above description, it can be seen that the following technical effects are achieved:
in the embodiment of the application, a label configuration mode is adopted, and the risk record and the risk report of the user are obtained; determining an insurance product label and a risk characteristic label according to the risk record and the risk report; establishing a mapping relation between the insurance product label and the risk characteristic label; the method and the device achieve the aim of establishing the association between the combined or customized insurance product and the risk feature, thereby realizing the technical effects of reducing the calculation pressure and the calculation amount of the server, and further solving the technical problems of high calculation pressure and excessive repeated calculation of the server caused by the fact that the combined or customized insurance product is not associated with the risk feature.
According to an embodiment of the present application, there is also provided an electronic device including a memory, a processor, and a computer program stored on the memory and executable on the processor, the processor implementing the steps of the tag configuration method when executing the program.
According to an embodiment of the present application, there is also provided a computer-readable storage medium having stored thereon a computer program which, when executed by a processor, implements the steps of the tag configuration method.
It will be apparent to those skilled in the art that the modules or steps of the application described above may be implemented in a general purpose computing device, they may be concentrated on a single computing device, or distributed across a network of computing devices, or they may alternatively be implemented in program code executable by computing devices, such that they may be stored in a memory device for execution by the computing devices, or they may be separately fabricated into individual integrated circuit modules, or multiple modules or steps within them may be fabricated into a single integrated circuit module. Thus, the present application is not limited to any specific combination of hardware and software.
The above description is only of the preferred embodiments of the present application and is not intended to limit the present application, but various modifications and variations can be made to the present application by those skilled in the art. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present application should be included in the protection scope of the present application.
Claims (2)
1. A tag configuration method, comprising:
acquiring a risk record and a risk report of a user;
determining an insurance product label and a risk characteristic label according to the risk record and the risk report; and wherein the risk feature tag comprises at least one of: financial risk feature tags, health risk feature tags, behavioral risk feature tags,
establishing a mapping relation between the insurance product label and the risk feature label so that when the risk feature is determined, the mapping relation can be automatically associated to a to-be-ensured item of a user;
the establishing of the mapping relation between the risk characteristic label and the insurance product label comprises the following steps:
establishing a first mapping relation between the financial risk feature tag and the first insurance product tag; if the financial risk feature label is that investment risk exists, establishing a mapping relation between insurance product labels related to the investment;
establishing a second mapping relation between the health risk feature tag and a second insurance product tag; if the health risk characteristic label is that the family genetic disease risk exists, establishing a mapping relation between insurance product labels related to the disease;
establishing a third mapping relation between the behavior risk feature tag and a third insurance product tag; if the behavior risk feature label is that natural disaster risk exists, a mapping relation between insurance product labels related to the natural disaster is established;
After determining the insurance product label and the risk feature label according to the risk record and the risk report, the method further comprises:
storing the insurance product label as an updated insurance product for the user;
generating an insurance suggestion according to the risk report and the updated insurance product;
determining an insurance product label and a risk feature label from the risk record and the risk report includes:
extracting an insurance product label from the insurance record;
extracting a risk characteristic label from the risk report;
before the risk record and the risk report of the user are obtained, the method further comprises the following steps:
receiving an insurance customization request sent by a user at a terminal;
invoking risk characteristics and risk probability of a user;
determining the type and the duty ratio of the content to be ensured according to the risk characteristics and the risk probability;
customizing to obtain an insurance product according to the type and the duty ratio of the content to be ensured, and outputting the insurance product at a terminal;
when a user sends out an insurance request at a terminal, generating the insurance record;
when the user sends out an insurance request at the terminal, the method further comprises the following steps of:
outputting the risk record at a terminal;
receiving an adjustment operation of a user on an insurance meeting record interface;
The insurance items and/or the insurance amounts in the insurance product are configured to adjust the content obtained in the operation.
2. A tag arrangement apparatus, comprising:
the acquiring module is used for acquiring the risk record and the risk report of the user;
the determining module is used for determining an insurance product label and a risk characteristic label according to the risk record and the risk report; wherein the risk feature tag comprises at least one of: financial risk feature tags, health risk feature tags, behavioral risk feature tags,
the building module is used for building a mapping relation between the insurance product label and the risk feature label so that when the risk feature is determined, the risk feature label can be automatically associated with a to-be-ensured item of a user;
the establishing of the mapping relation between the risk characteristic label and the insurance product label comprises the following steps:
establishing a first mapping relation between the financial risk feature tag and the first insurance product tag; if the financial risk feature label is that investment risk exists, establishing a mapping relation between insurance product labels related to the investment;
establishing a second mapping relation between the health risk feature tag and a second insurance product tag; if the health risk characteristic label is that the family genetic disease risk exists, establishing a mapping relation between insurance product labels related to the disease;
Establishing a third mapping relation between the behavior risk feature tag and a third insurance product tag; if the behavior risk feature label is that natural disaster risk exists, a mapping relation between insurance product labels related to the natural disaster is established;
further comprises: insurance suggestion module for
Storing the insurance product label as an updated insurance product for the user;
generating an insurance suggestion according to the risk report and the updated insurance product;
the determining module includes:
extracting an insurance product label from the insurance record;
extracting a risk characteristic label from the risk report;
further comprises: insurance customizing module for
Receiving an insurance customization request sent by a user at a terminal;
invoking risk characteristics and risk probability of a user;
determining the type and the duty ratio of the content to be ensured according to the risk characteristics and the risk probability;
customizing to obtain an insurance product according to the type and the duty ratio of the content to be ensured, and outputting the insurance product at a terminal;
when a user sends out an insurance request at a terminal, generating the insurance record;
further comprises: content adjustment module for
Outputting the risk record at a terminal;
receiving an adjustment operation of a user on an insurance meeting record interface;
The insurance items and/or the insurance amounts in the insurance product are configured to adjust the content obtained in the operation.
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