CN110930229A - Data processing method and device, electronic equipment and storage medium - Google Patents
Data processing method and device, electronic equipment and storage medium Download PDFInfo
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
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Abstract
The application provides a data processing method, a data processing device, an electronic device and a storage medium, wherein the method comprises the following steps: acquiring first insurance application data of a user, wherein the first insurance application data is data of a first insurance product applied by the user; recommending a second insurance product to the user according to the first insurance application data; acquiring second insurance application data of the user, wherein the second insurance application data is data of a second insurance product applied by the user; the first application data and the second application data are associated. The data processing technology of the relevance of different insurance products is provided by acquiring the first insurance data of the user for the first insurance product, recommending the second insurance product to the user according to the first insurance data, acquiring the second insurance data of the user for insuring the second insurance product, and finally correlating the first insurance data and the second insurance data, so that the fusion degree and the viscosity between the first insurance product and the second insurance product are increased, and the sales volume of the insurance products can be increased.
Description
Technical Field
The present application relates to the field of computer technologies, and in particular, to a data processing method and apparatus, an electronic device, and a storage medium.
Background
Along with the development of socio-economic, insurance becomes an important component of the socio-economic guarantee system, and is a method for risk management. As user insurance awareness increases, user demand for personal insurance as well as home insurance also increases.
In the prior art, insurance companies generally sell group insurance-family list in the form of family, or sell personal products of individual members of family, or promote individuals to increase the purchase amount of insurance policy through the sales situation of one insurance policy and multiple insurance policies.
However, in the prior art, the mere purchase of a family-type group insurance-a family list or the mere purchase of individual products of each member of the family cannot satisfy the fusion and the stickiness of different insurance products, and a data processing technology or a system for improving the relevance of different insurance products is lacked in the prior art.
Disclosure of Invention
The application provides a data processing method, a data processing device, electronic equipment and a storage medium, and provides a data processing technology for relevance of different insurance products so as to improve fusion and viscosity of the different insurance products.
In a first aspect, an embodiment of the present application provides a data processing method, including:
acquiring first insurance application data of a user, wherein the first insurance application data is data of a first insurance product applied by the user;
recommending a second insurance product to the user according to the first insurance application data;
acquiring second insurance application data of the user, wherein the second insurance application data is data of a second insurance product applied by the user;
the first application data and the second application data are associated.
In the embodiment of the application, the first insurance data of the user for the first insurance product is acquired, the second insurance product is recommended to the user according to the first insurance data, the second insurance data of the user for insuring the second insurance product is acquired, and the first insurance data and the second insurance data are associated.
In one possible embodiment, the first application data includes a policy number for a first policy, the first policy being a policy for a user to apply a first application to a first product, and prior to associating the first application data with the second application data, the method includes:
acquiring a policy number of a first policy;
and generating a second insurance policy according to the second insurance application data and the insurance policy number of the first insurance policy, wherein the second insurance policy is the insurance policy of the user for applying a second insurance product.
In the embodiment of the application, the association relationship between the first insurance policy and the second insurance policy can be established by determining the insurance policy number of the first insurance policy in the first insurance application data and then generating the second insurance policy by combining the insurance policy number of the first insurance policy and the second insurance application data.
In another possible embodiment, before associating the first application data and the second application data, the method further comprises:
generating a first insurance policy according to the first insurance application data of the user; and generating a second insurance policy according to the second insurance application data of the user.
Optionally, recommending a second insurance product to the user according to the first insurance application data, including:
and if the first insurance product is determined to be the personal annuity product according to the first insurance data, recommending the second insurance product to the user to be the lifetime universal product.
In the embodiment of the application, the universal product with the life-prolonging service life is recommended to the user according to the personal annuity product, so that the matching of the personal product and the family product is realized, and the flexibility of insurance product sale is improved.
Optionally, associating the first application data with the second application data includes:
the responsibility of paying the personal annuity product is transferred to the universal account of the universal product with the lifetime.
In the embodiment of the application, the paying responsibility of the personal annuity product is transferred to the universal account of the universal product of the life-long family, so that the income of the personal annuity can be flexibly obtained.
Optionally, associating the first application data with the second application data includes:
determining a cash value of the first policy;
the cash value of the first policy is used as a premium for the second policy.
Optionally, after associating the first application data and the second application data, further comprising:
and pushing the associated information of the first application data and the second application data to the user.
The apparatus, the electronic device, the computer-readable storage medium, and the computer program product provided in the embodiments of the present application are described below, and contents and effects thereof may refer to the data processing method provided in the embodiments of the present application, and are not described again.
In a second aspect, an embodiment of the present application provides a data processing apparatus, including:
the first acquisition module is used for acquiring first insurance data of the user, and the first insurance data is data of a first insurance product insured by the user;
the recommending module is used for recommending a second insurance product to the user according to the first insurance application data;
the first acquisition module is also used for acquiring second insurance data of the user, and the second insurance data is data for the user to apply a second insurance product;
and the association module is used for associating the first insurance application data with the second insurance application data.
In one possible embodiment, the first application data includes a policy number for a first policy, the first policy being a policy for a user to apply a first application for a first product, comprising:
the second acquisition module is used for acquiring the policy number of the first policy;
and the generation module is used for generating a second insurance policy according to the second insurance application data and the insurance policy number of the first insurance policy, wherein the second insurance policy is the insurance policy of the user for applying the second insurance product.
In another possible implementation manner, the data processing apparatus provided in the embodiment of the present application further includes a generating module, configured to:
generating a first insurance policy according to the first insurance application data of the user;
and generating a second insurance policy according to the second insurance application data of the user.
Optionally, the recommending module is specifically configured to:
and if the first insurance product is determined to be the personal annuity product according to the first insurance data, recommending the second insurance product to the user to be the lifetime universal product.
Optionally, the association module is specifically configured to:
the responsibility of paying the personal annuity product is transferred to the universal account of the universal product with the lifetime.
Optionally, the association module is specifically configured to:
determining a cash value of the first policy;
the cash value of the first policy is used as a premium for the second policy.
Optionally, the data processing apparatus provided in the embodiment of the present application further includes:
and the pushing module is used for pushing the associated information of the first insurance application data and the second insurance application data to the user.
In a third aspect, an embodiment of the present application provides an electronic device, including:
at least one processor; and
a memory communicatively coupled to the at least one processor; wherein
The memory stores instructions executable by the at least one processor to enable the at least one processor to perform the method as provided by the first aspect or the first aspect realizable manner.
In a fourth aspect, embodiments of the present application provide a non-transitory computer-readable storage medium storing computer instructions for causing a computer to perform the method as provided in the first aspect or the first aspect implementable manner.
In a fifth aspect, an embodiment of the present application provides a computer program product, including: executable instructions for implementing the method as provided in the first aspect or the first aspect alternatives.
According to the data processing method, the data processing device, the electronic equipment and the storage medium, first insurance data of a user are obtained, and the first insurance data are data of a first insurance product insured by the user; recommending a second insurance product to the user according to the first insurance application data; acquiring second insurance application data of the user, wherein the second insurance application data is data of a second insurance product applied by the user; the first application data and the second application data are associated. The data processing technology of the relevance of different insurance products is provided by acquiring the first insurance data of the user for the first insurance product, recommending the second insurance product to the user according to the first insurance data, acquiring the second insurance data of the user for insuring the second insurance product, and finally correlating the first insurance data and the second insurance data, so that the fusion degree and the viscosity between the first insurance product and the second insurance product are increased, and the sales volume of the insurance products can be increased.
Drawings
In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings needed to be used in the description of the embodiments or the prior art will be briefly introduced below, and it is obvious that the drawings in the following description are some embodiments of the present application, and for those skilled in the art, other drawings can be obtained according to these drawings without inventive exercise.
FIG. 1 is a diagram of an exemplary application scenario provided by an embodiment of the present application;
FIG. 2 is a schematic flow chart diagram illustrating a data processing method according to an embodiment of the present application;
FIG. 3 is a schematic diagram of a terminal interface provided by an embodiment of the present application;
FIG. 4 is a schematic diagram of a terminal interface provided by another embodiment of the present application;
FIG. 5 is a schematic flow chart diagram illustrating a data processing method according to another embodiment of the present application;
FIG. 6 is a schematic structural diagram of a data processing apparatus according to an embodiment of the present application;
fig. 7 is a schematic structural diagram of an electronic device provided in an embodiment of the present application.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present application clearer, the technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the drawings in the embodiments of the present application, and it is obvious that the described embodiments are some embodiments of the present application, but not all embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present application.
The terms "first," "second," "third," "fourth," and the like in the description and in the claims of the present application and in the drawings described above, if any, are used for distinguishing between similar elements and not necessarily for describing a particular sequential or chronological order. It is to be understood that the data so used is interchangeable under appropriate circumstances such that the embodiments of the application described herein are, for example, capable of operation in sequences other than those illustrated or otherwise described 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.
Along with the development of socio-economic, insurance becomes an important component of the socio-economic guarantee system, and is a method for risk management. As user insurance awareness increases, user demand for personal insurance as well as home insurance also increases. In the prior art, an insurance company usually sells a family-type group insurance-family list, or sells personal products of individual members of the family, or promotes individuals to increase the purchase amount of insurance policies through the sales situation of one insurance policy and multiple insurance policies, and the fusion and the viscosity of different insurance products cannot be met. In order to solve the foregoing technical problem, embodiments of the present application provide a data processing method, an apparatus, an electronic device, and a storage medium.
An exemplary application scenario of the embodiments of the present application is described below.
The data processing method provided by the embodiment of the present application may be executed by the data processing apparatus provided by the embodiment of the present application, the data processing apparatus provided by the embodiment of the present application may be part or all of a terminal device, fig. 1 is an exemplary application scenario diagram provided by the embodiment of the present application, as shown in fig. 1, the data processing method provided by the embodiment of the present application may be applied to a terminal device 11, for example, the data processing method may be implemented by an application program or a web page in the terminal device, the terminal device 11 and a server 12 have data communication, and the embodiment of the present application does not limit this. The specific type of the terminal device is not limited in the embodiment of the application, for example, the terminal device may be a smart phone, a personal computer, a tablet computer, a wearable device, a vehicle-mounted terminal, and the like. The number and the type of the servers are not limited in the embodiments of the present application, for example, the server may be one server or a plurality of servers, or may be a server cluster, and the like.
Fig. 2 is a flowchart of a data processing method provided in an embodiment of the present application, where the method may be executed by a data processing apparatus, and the apparatus may be implemented by software and/or hardware, for example: the device may be a client or a terminal device, the terminal device may be a personal computer, a smart phone, a user terminal, a tablet computer, a wearable device, or the like, and the data processing method is described below with the terminal device as an execution subject, as shown in fig. 2, the data processing method provided in the embodiment of the present application may include:
step S101: first insurance application data of the user are obtained, and the first insurance application data are data of first insurance products applied by the user.
The first insurance data of the user are data of the first insurance product of the user insurance, the content and the information contained in the first insurance data may be different aiming at different first insurance products, and the content and the information contained in the first insurance data may also be different aiming at insurance applicants with different ages, professions and physical conditions. In addition, the embodiment of the present application does not limit the specific product and the product type of the first insurance product, for example, the type of the first insurance product may be a personal product, a group product, an annuity product, a commercial insurance product, and the like, and the embodiment of the present application is not limited thereto.
The embodiment of the present application does not limit the implementation manner of obtaining the first application data of the user, for example, the first application data may be obtained through a core service system, or may be obtained through a mobile terminal, and the embodiment of the present application is not limited thereto. In order to facilitate introduction of the data processing method of the present application, a terminal device is taken as an example to exemplarily explain below, and in a possible implementation manner, fig. 3 is a schematic diagram of a terminal interface provided in an embodiment of the present application, and as shown in fig. 3, first insurance application data is obtained by performing first order information entry, where the first order is an order for a user to apply a first insurance application product, and a content of the first order information entry may include an applicant name, an applicant identity number, an applicant address, an insurance application product, an insurance application amount, and the like, and a specific content of the first order information is not limited in the embodiment of the present application. The method for acquiring the first insurance data of the user is not limited to this.
Step S102: and recommending a second insurance product to the user according to the first insurance application data.
In a possible implementation manner, a corresponding list of the first insurance product and the second insurance product is determined, wherein the corresponding list comprises a one-to-one correspondence relationship between the first insurance product and the second insurance product, when the first insurance data is obtained, the first insurance product is obtained at the same time, and then the second insurance product corresponding to the first insurance product one-to-one is determined through the corresponding list, so that the second insurance product is recommended to the user. In another possible implementation manner, the type of the first insurance product may also be determined, and if the first insurance product belongs to the first type, a second insurance product corresponding to the first type is recommended to the user, so as to recommend the second insurance product to the user according to the type of the first insurance product, which is not limited in this embodiment of the present application.
The method for recommending the second insurance product to the user can be realized by displaying the recommendation information on the terminal device, and can also be realized by recommending the second insurance product to the user in other modes such as short message, pushing and the like. Fig. 4 is a schematic diagram of a terminal interface provided in another embodiment of the present application, as shown in fig. 4, a push message may be displayed on the terminal interface after acquiring first application data, and a second application product is recommended to a user, where the embodiment of the present application does not limit specific content and format of the push message, in one possible implementation manner, the push message may be "recommend the second application product for you and please confirm whether to apply the application", then "yes" and "no" may be set through selection buttons, and a user operation is received, so as to determine whether the user applies the second application product, if a user operation on "yes" is received, it is determined that the user needs to apply the second application product, if a user operation on "no" is received, it is determined that the user does not need to apply the second application product, and the embodiment of the present application only exemplifies that the selection buttons are "yes" and "no", and is not limited thereto.
Step S103: and acquiring second insurance application data of the user, wherein the second insurance application data is data for insuring a second insurance product by the user.
When the user determines to apply the second application product, the second application data of the user is obtained, the embodiment of the application does not limit the specific implementation manner of obtaining the second application data of the user, the obtaining of the second application data of the user is similar to the obtaining of the first application data of the user, and reference may be specifically made to the description of obtaining the first application data of the user in step S101, which is not described again. In addition, the embodiment of the present application does not limit the specific type of the second insurable product.
Step S104: the first application data and the second application data are associated.
After the first application data and the second application data are obtained, the first application data and the second application data are associated, and a specific implementation manner of associating the first application data and the second application data is not limited in the embodiment of the present application, for example, the first application data and the second application data may be associated in terms of underwriting, security, claims settlement, renewal, finance, and the like. In a possible implementation manner, the payment responsibility, the policy service type, the claim settlement responsibility and the like in the first insurance data and the second insurance data can be associated, and the examples of the application do not limit the invention.
In another possible embodiment, the association of the first application data and the second application data may be accomplished by associating a first order generated by the first application data with a second order generated by the second application data. Optionally, associating the first application data with the second application data includes:
determining a cash value of the first policy; the cash value of the first policy is used as a premium for the second policy.
For some insurance policies of delivering insurance fees in different periods or wholesale insurance fees, the insurance policy may receive the amount of the insurance policy, i.e. the cash value of the insurance policy, for example, in life insurance with longer insurance period, because of adopting wholesale insurance fee or balanced pure insurance fee system, a certain obligation reserve is accumulated under the insurance policy, when the insured requires the insurance, the insurer deducts a certain repayment fee from the obligation reserve, the balance is returned to the insured or the insurant as the repayment fee, the balance is also the cash value of the life insurance. After associating the first policy with the second policy, the loss of the insurer due to the user's refund may be reduced and the user experience may be enhanced by determining the cash value of the first policy and using the cash value of the first policy as the premium for the second policy.
In order to implement a first order generated by associating the first application data with a second order generated by the second application data, an association of the first application data with the second application data is implemented. In one possible embodiment, the first application data includes a policy number for a first policy, the first policy being a policy for a user to apply a first application to a first product, and prior to associating the first application data with the second application data, the method includes:
acquiring a policy number of a first policy; and generating a second insurance policy according to the second insurance application data and the insurance policy number of the first insurance policy, wherein the second insurance policy is the insurance policy of the user for applying a second insurance product.
For core business system application, after acquiring first application data, a first order sign takes effect, the first application data comprises a policy number of a first policy, when acquiring second application data, a second policy can be generated by filling the policy number of the first policy and the second application data, and when the second policy takes effect, the first order and the second order are associated successfully.
In another possible embodiment, before associating the first application data and the second application data, the method further comprises:
generating a first insurance policy according to the first insurance application data of the user; and generating a second insurance policy according to the second insurance application data of the user.
When a mobile terminal deposits insurance, first insurance policy data and second insurance policy data are obtained, then the first insurance policy data and the second insurance policy data are submitted simultaneously, money deduction is carried out on a first order and a second order respectively, and a first insurance policy and a second insurance policy are generated respectively after money deduction is successful; the first insurance policy and the second insurance policy take effect together, if the deduction dates of the first insurance policy and the second insurance policy are different, the first insurance policy and the second insurance policy take effect according to the deduction date of the insurance policy with the latest deduction the next day, and if only one order is successfully deducted, the first order and the second order are displayed as the to-be-paid effect. The embodiment of the present application does not limit this. In addition, a first insurance policy is generated according to the first insurance application data of the user in the embodiment of the application; the specific implementation manner of generating the second insurance policy according to the second insurance application data of the user is not limited.
After the associating of the first application data and the second application data is successful, in a possible implementation manner, the data processing method provided in the embodiment of the present application may further include:
and pushing the associated information of the first application data and the second application data to the user.
The embodiment of the present application does not limit a specific implementation manner of pushing the associated information of the first insurance data and the second insurance data to the user, for example, the associated information may be implemented by a short Message, a push Message, a Message Queue (MQ), and the like, and the embodiment of the present application does not limit a specific content of the associated information pushed to the user, for example, the associated information may include an order number of the first order and an order number of the second order, an associated form and content, an effective time, a deadline, and the like, and the embodiment of the present application is not limited thereto.
To further describe the data processing method provided in this embodiment of the present application, an example of the first insurance product being a personal annuity product is described below, and in one possible implementation, fig. 5 is a schematic flow chart of a data processing method provided in another embodiment of the present application, which may be executed by a data processing apparatus, and the apparatus may be implemented by software and/or hardware, for example: the apparatus may be a client or a terminal device, the terminal device may be a personal computer, a smart phone, a user terminal, a tablet computer, a wearable device, and the like, and the following describes the data processing method with the terminal device as an execution subject, as shown in fig. 5, in the data processing method provided in this embodiment of the present application, step S102 may include:
step S201: and if the first insurance product is determined to be the personal annuity product according to the first insurance data, recommending the second insurance product to the user to be the lifetime universal product.
If the first insurable product is a personal annuity product, the user can obtain the annuity and the dividend by insuring the first insurable product, and in the prior art, the user cannot flexibly draw the annuity and the dividend; the universal life-long product comprises a universal account of a guarded person, can be a universal life-long family product, comprises a personal account and a public account of each family member, and is monthly, so that the lowest guaranteed interest rate is realized, the profit is increased, the account value can be added or obtained at any time, the first insurance product is a personal annuity product, the second insurance product is recommended to the user as the universal life-long product, and the association can be realized by combining the characteristics of the personal annuity product and the universal life-long product.
Before step S201, first insurance data of the user is obtained, where the first insurance data is data of the user insuring the personal annuity product, and the insurance data of the user insuring the personal annuity product is obtained, and on one hand, the insurance data may be implemented by a core service system, and on the other hand, the insurance data may be implemented by a mobile terminal, which is not limited in this embodiment of the present application.
When the system is realized through the core business system, the user inputs the insurance application information of the personal annuity product to generate an order of the personal annuity product, and the insurance policy takes effect after the user confirms payment. And recommending the universal product with the life-long life to the user after the policy of the personal annuity product takes effect. The order of the life-long universal product is generated by inputting the insurance information of the life-long universal product and the insurance policy number of the personal annuity product by the user, and the insurance policy of the life-long universal product is effective after the user confirms payment.
When the method is implemented through the mobile terminal, a user can log in the mobile terminal through a face recognition technology, the mobile terminal collects the insurance application information of the personal annuity product, if health notice does not need to be collected, the user confirms an order after directly confirming the insurance application information of the personal annuity product, if the health notice needs to be filled, health notice data is collected, if the health notice is abnormal, the front end blocks insurance application workflow, and if the health notice is not abnormal, the user confirms the order of the personal annuity product after the insurance application information of the personal annuity product of the user is completely collected. And then recommending a life-long universal product to the user. The mobile terminal displays an insurance information input interface of the universal life-long product, at the moment, the insurance information of the personal annuity product cannot be changed, and in the insurance information of the universal life-long product, a user can support to input one or more pieces of insured person information, for example, when the universal life-long product is a family universal life-long product, the user needs to input a plurality of pieces of insured person information. The insured person information can comprise insured person details, health notice, beneficiaries and the like, after inputting insurance information of the lifetime universal product, an order of the lifetime universal product is generated, the order of the personal annuity product and the order of the lifetime universal product are submitted together and deducted respectively, the order of the personal annuity product and the order of the lifetime universal product are signed respectively, if the personal annuity product and the lifetime universal product are deducted successfully, the personal annuity product and the two orders of the lifetime universal product take effect together, and the personal annuity product and the two orders of the lifetime universal product take effect next day according to the latest deducted order deduction date. If only one order is successfully deducted, the status of both orders is displayed to be effective. If the first insurance product is a personal annuity product and the second insurance product is a lifetime universal product, step S104 in this embodiment may include:
step S202: the responsibility of paying the personal annuity product is transferred to the universal account of the universal product with the lifetime.
The specific implementation manner of transferring the paying responsibility of the personal annuity product into the universal account of the life-long universal product is not limited in the embodiment of the application, for example, the transferring of the paying responsibility of the personal annuity product into the life-long universal product can be the transferring of all paying responsibility of the personal annuity product into the universal account of the life-long universal product, or the transferring of part paying responsibility of the personal annuity product into the universal account of the life-long universal product, and the embodiment of the application is not limited in this respect. In a possible implementation manner, the paying responsibility of the personal annuity product can be proportionally transferred to the personal account and the public account of each family member when the personal annuity product and the lifetime universal product are related, and the embodiment of the application is not limited to this. In addition, the proportion of transferring the paying responsibility of the personal annuity product to the personal account and the public account of each family member of the lifetime universal product and the proportion of transferring the paying responsibility of the personal annuity product to the lifetime universal product can be determined by acquiring the second insurance data, and the embodiment of the application is not limited to the above.
For another example, in the embodiment of the application, the annuity of the personal annuity product can be transferred to the universal account of the universal product for life in a regular period by paying the annuity of the personal annuity product and paying the responsibility in red; the guarantee cost of the life-long universal product can be deducted when the account is established every month; the customer can increase the value of the universal account through the security operation of adding the premium, or can flexibly receive the amount of the universal account through the security operation of reducing the value of the account. In the event of a claim, the annuity and dividend in the individual annuity products entered into the master account can be assigned to each insured account so that the payment responsibility in the individual sheet is combined with the claim responsibility in the household sheet. The embodiment of the present application does not limit this.
In the embodiment of the application, the annuity of the personal annuity product is transferred to the universal account of the universal life product periodically by paying and paying responsibilities in red, so that the recovery and rest of the responsibilities are facilitated, the client benefits are guaranteed, the annuity of the personal annuity product is transferred to the universal account of each family member in the universal life product in proportion, the upper limit of the guaranteed amount of money acceptance is widened, and the flexible acceptance is supported better. Furthermore, the premium paid by the insured life universal product in the life-long universal product contains account amount, and the account amount contains annuity and dividend red in the personal annuity product, so that the fusion of family products and the personal annuity product is increased. Further increases the sales viscosity of personal annuity products and life-long universal products and increases the sales share.
The following are embodiments of the apparatus of the present application that may be used to perform embodiments of the method of the present application. For details which are not disclosed in the embodiments of the apparatus of the present application, reference is made to the embodiments of the method of the present application.
Fig. 6 is a schematic structural diagram of a data processing apparatus provided in an embodiment of the present application, where the apparatus may be implemented by software and/or hardware, for example: the device may be a client or a terminal device, and the terminal device may be a personal computer, a smart phone, a user terminal, a tablet computer, a wearable device, or the like, as shown in fig. 6, the data processing device provided in the embodiment of the present application may include:
the first obtaining module 61 is configured to obtain first insurance data of the user, where the first insurance data is data of a first insurance product applied by the user;
a recommending module 62, configured to recommend a second insurance product to the user according to the first insurance data;
the first obtaining module 61 is further configured to obtain second insurance data of the user, where the second insurance data is data of a second insurance product applied by the user;
and an associating module 63 for associating the first application data with the second application data.
In one possible embodiment, the first application data includes a policy number for a first policy, the first policy being a policy for a user to apply a first application for a first product, comprising:
a second obtaining module 64, configured to obtain a policy number of the first policy;
and the generating module 65 is configured to generate a second insurance policy according to the second insurance application data and the insurance policy number of the first insurance policy, where the second insurance policy is an insurance policy for the user to apply a second insurance product.
In a possible implementation, the generating module 65 is further included to:
generating a first insurance policy according to the first insurance application data of the user;
and generating a second insurance policy according to the second insurance application data of the user.
Optionally, the recommending module 62 is specifically configured to:
and if the first insurance product is determined to be the personal annuity product according to the first insurance data, recommending the second insurance product to the user to be the lifetime universal product.
Optionally, the association module 63 is specifically configured to:
the responsibility of paying the personal annuity product is transferred to the universal account of the universal product with the lifetime.
Optionally, the association module 63 is specifically configured to:
determining a cash value of the first policy;
the cash value of the first policy is used as a premium for the second policy.
Optionally, the data processing apparatus provided in the embodiment of the present application further includes:
and the pushing module 66 is used for pushing the associated information of the first insurance application data and the second insurance application data to the user.
The device embodiments provided in the present application are merely schematic, and the module division in fig. 6 is only one logic function division, and there may be another division manner in actual implementation. For example, multiple modules may be combined or may be integrated into another system. The coupling of the various modules to each other may be through interfaces that are typically electrical communication interfaces, but mechanical or other forms of interfaces are not excluded. Thus, modules described as separate components may or may not be physically separate, may be located in one place, or may be distributed in different locations on the same or different devices.
Fig. 7 is a schematic structural diagram of an electronic device provided in an embodiment of the present application, and as shown in fig. 7, the electronic device includes:
a processor 71, a memory 72, a transceiver 73 and a computer program; wherein the transceiver 73 enables data transmission with other electronic devices, a computer program is stored in the memory 72 and configured to be executed by the processor 71, the computer program comprising instructions for performing the above data processing method, the contents and effects of which refer to the method embodiments.
In addition, embodiments of the present application further provide a computer-readable storage medium, in which computer-executable instructions are stored, and when at least one processor of the user equipment executes the computer-executable instructions, the user equipment performs the above-mentioned various possible methods.
Computer-readable media includes both computer storage media and communication media including any medium that facilitates transfer of a computer program from one place to another. A storage media may be any available media that can be accessed by a general purpose or special purpose computer. An exemplary storage medium is coupled to the processor such the processor can read information from, and write information to, the storage medium. Of course, the storage medium may also be integral to the processor. The processor and the storage medium may reside in an ASIC. Additionally, the ASIC may reside in user equipment. Of course, the processor and the storage medium may reside as discrete components in a communication device.
Those of ordinary skill in the art will understand that: all or a portion of the steps of implementing the above-described method embodiments may be performed by hardware associated with program instructions. The program may be stored in a computer-readable storage medium. When executed, the program performs steps comprising the method embodiments described above; and the aforementioned storage medium includes: various media that can store program codes, such as ROM, RAM, magnetic or optical disks.
Finally, it should be noted that: the above embodiments are only used for illustrating the technical solutions of the present application, and not for limiting the same; although the present application has been described in detail with reference to the foregoing embodiments, it should be understood by those of ordinary skill in the art that: the technical solutions described in the foregoing embodiments may still be modified, or some or all of the technical features may be equivalently replaced; and the modifications or the substitutions do not make the essence of the corresponding technical solutions depart from the scope of the technical solutions of the embodiments of the present application.
Claims (10)
1. A data processing method, comprising:
acquiring first insurance application data of a user, wherein the first insurance application data is data of a first insurance product applied by the user;
recommending a second insurance product to the user according to the first insurance application data;
acquiring second insurance data of the user, wherein the second insurance data is data of the user for insuring the second insurance product;
associating the first and second application data.
2. The method of claim 1, wherein the first application data includes a policy number for a first policy, the first policy being a policy for the user to apply the first application product, and prior to associating the first application data with the second application data, comprising:
acquiring a policy number of the first policy;
and generating a second insurance policy according to the second insurance application data and the insurance policy number of the first insurance policy, wherein the second insurance policy is the insurance policy of the user for applying the second insurance product.
3. The method of claim 1 or 2, wherein recommending a second application product to the user based on the first application data comprises:
and if the first insurance product is determined to be a personal annuity product according to the first insurance data, recommending a second insurance product to the user as a lifetime universal product.
4. The method of claim 3, wherein the associating the first application data and the second application data comprises:
transferring the responsibility for paying the personal annuity product into a universal account of the universal life-long product.
5. The method of claim 4 wherein transferring responsibility for delivery of said personal annuity product to a universal account for said life-long universal product comprises:
and transferring the annuity payment responsibility and/or the dividend payment responsibility of the personal annuity product into the universal account of the life-long universal product periodically.
6. The method of claim 2, wherein the associating the first application data and the second application data comprises:
determining a cash value of the first policy;
the cash value of the first policy is used as a premium for a second policy.
7. The method of claim 1 or 2, further comprising, after associating the first and second application data:
and pushing the associated information of the first insurance application data and the second insurance application data to the user.
8. A data processing apparatus, comprising:
the system comprises a first acquisition module, a second acquisition module and a third acquisition module, wherein the first acquisition module is used for acquiring first insurance data of a user, and the first insurance data is data of the user for insuring a first insurance product;
the recommending module is used for recommending a second insurance product to the user according to the first insurance application data;
the first obtaining module is further configured to obtain second insurance data of the user, where the second insurance data is data of the user insurance the second insurance product;
and the association module is used for associating the first insurance application data with the second insurance application data.
9. An electronic device, comprising:
at least one processor; and
a memory communicatively coupled to the at least one processor; wherein
The memory stores instructions executable by the at least one processor to enable the at least one processor to perform the method of any one of claims 1-7.
10. A computer-readable storage medium having computer instructions stored thereon for causing a computer to perform the method of any one of claims 1-7.
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| CN201911187311.2A CN110930229A (en) | 2019-11-28 | 2019-11-28 | Data processing method and device, electronic equipment and storage medium |
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| CN201911187311.2A CN110930229A (en) | 2019-11-28 | 2019-11-28 | Data processing method and device, electronic equipment and storage medium |
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