CN111507852A - Method, device, medium and equipment for determining insurance scheme based on big data - Google Patents
Method, device, medium and equipment for determining insurance scheme based on big data Download PDFInfo
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- CN111507852A CN111507852A CN202010342514.0A CN202010342514A CN111507852A CN 111507852 A CN111507852 A CN 111507852A CN 202010342514 A CN202010342514 A CN 202010342514A CN 111507852 A CN111507852 A CN 111507852A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/08—Insurance
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q10/00—Administration; Management
- G06Q10/10—Office automation; Time management
- G06Q10/103—Workflow collaboration or project management
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
- G06Q30/0601—Electronic shopping [e-shopping]
- G06Q30/0623—Item investigation
- G06Q30/0625—Directed, with specific intent or strategy
- G06Q30/0627—Directed, with specific intent or strategy using item specifications
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
- G06Q30/0601—Electronic shopping [e-shopping]
- G06Q30/0631—Item recommendations
Abstract
The embodiment of the application discloses a method, a device, a medium and equipment for determining an insurance scheme based on big data. The method comprises the following steps: responding to an acquisition request of an insurance scheme of a user, and acquiring personal information and business information of the user; determining at least one recommended insurance scheme of the personal information and the business information according to the personal information and the business information based on a big data algorithm; and displaying insurance information of the target insurance scheme according to the target insurance scheme selected by the user. Through the technical scheme provided by the application, an insurance service management mechanism which is applicable to a platform, simple and safe can be provided, so that the user does not need to know and purchase insurance under the line in the process of an operation project, an insurance scheme suitable for the user is directly provided for the user, and the use experience effect of the individual user is improved.
Description
Technical Field
The embodiment of the application relates to the technical field of internet, in particular to a method, a device, a medium and equipment for determining an insurance scheme based on big data.
Background
With the rapid development of science and technology, the application of the internet platform is more and more extensive. The existing various platforms can provide services of users in business aspects, such as project publishing, project acquisition and the like. In the process of business, a user may face the situation that insurance needs to be purchased, and particularly for some high-risk work projects, an operator is required to purchase corresponding insurance to be able to perform work on duty. The types of insurance are also varied, and it takes a lot of time for some users to know various insurance schemes. The current platforms can not guarantee the processing capacity of the business, which affects the processing efficiency of the business for users.
Disclosure of Invention
The embodiment of the application provides a method, a device, a medium and equipment for determining an insurance scheme based on big data, so that a simple and safe insurance service management mechanism suitable for a platform is provided, the user does not need to know and purchase insurance under the process of an operation project, the insurance scheme suitable for the user is directly provided for the user, and the use experience effect of the individual user is improved.
In a first aspect, an embodiment of the present application provides a method for determining an insurance scheme based on big data, where the method includes:
responding to an acquisition request of an insurance scheme of a user, and acquiring personal information and business information of the user;
determining at least one recommended insurance scheme of the personal information and the business information according to the personal information and the business information based on a big data algorithm;
and displaying insurance information of the target insurance scheme according to the target insurance scheme selected by the user.
Further, after the insurance information of the target insurance scheme is presented, the method further comprises:
and receiving the purchase operation of the user, and taking insurance for the user according to the insurance time period selected by the user.
Further, after the user is insured according to the user selected insurance period, the method further comprises:
detecting whether the insurance scheme of the user is updated every preset time, if the insurance scheme of the user is detected to be updated, generating insurance scheme updating prompt information, and determining whether the insurance scheme is updated according to the selection of the user.
Further, after determining at least one recommended insurance scheme with the personal information and the business information, the method further includes:
displaying the recommended insurance schemes and displaying all the candidate insurance schemes;
and if the operation that the user clicks and views all the candidate insurance schemes is detected, displaying the summaries of all the candidate insurance schemes in a list form, and displaying the detailed information of the target candidate insurance schemes according to the selection operation of the user.
Further, after the user is insured according to the user selected insurance period, the method further comprises:
determining a time interval between a current time and a cutoff time of the insured period;
if the time interval reaches a first threshold value, generating first insurance expiration prompting information and sending the first insurance expiration prompting information to a user;
if the time interval reaches a second threshold value, generating second insurance expiration prompting information and sending the second insurance expiration prompting information to a user;
wherein the first threshold is greater than the second threshold.
Further, after the user is insured according to the user selected insurance period, the method further comprises:
determining whether the user in danger meets a preset tolerance condition;
if yes, in a first time period after the insurance is carried out on the user, if an insurance suspension request of the user is received, the insurance service is suspended, and after the received insurance recovery request, the insurance service is recovered according to the remaining time length of the original insurance time period.
Further, the preset tolerance condition is within a first month time period after the user is in danger.
In a second aspect, an embodiment of the present application provides an apparatus for determining an insurance scheme based on big data, where the apparatus includes:
the information acquisition module is used for responding to an acquisition request of an insurance scheme of a user and acquiring personal information and service information of the user;
the recommended insurance scheme determining module is used for determining at least one recommended insurance scheme of the personal information and the business information according to the personal information and the business information based on a big data algorithm;
and the insurance information display module is used for displaying the insurance information of the target insurance scheme according to the target insurance scheme selected by the user.
In a third aspect, the present application provides a computer-readable storage medium, on which a computer program is stored, where the computer program is executed by a processor to implement the method for determining a big-data-based insurance scheme according to the present application.
In a fourth aspect, an embodiment of the present application provides an electronic device, including a memory, a processor, and a computer program stored on the memory and executable by the processor, where the processor executes the computer program to implement the method for determining a big-data-based insurance scheme according to the embodiment of the present application.
According to the technical scheme provided by the embodiment of the application, the personal information and the service information of the user are acquired in response to the acquisition request of the insurance scheme of the user; determining at least one recommended insurance scheme of the personal information and the business information according to the personal information and the business information based on a big data algorithm; and displaying insurance information of the target insurance scheme according to the target insurance scheme selected by the user. By adopting the technical scheme provided by the application, an insurance service management mechanism which is applicable to a platform and is simple, convenient and safe can be provided, so that the user can directly provide an insurance scheme suitable for the user without knowing and purchasing insurance during the operation project process, and the effect of using experience of the individual user is improved.
Drawings
FIG. 1 is a flow chart of a method for determining a big-data-based insurance scheme according to an embodiment of the present application;
FIG. 2 is a schematic diagram of an insurance processing method according to an embodiment of the present application;
FIG. 3 is a schematic structural diagram of a big data-based insurance scheme determination apparatus provided in the second embodiment of the present application;
fig. 4 is a schematic structural diagram of an electronic device according to a fourth embodiment of the present application.
Detailed Description
The present application will be described in further detail with reference to the following drawings and examples. It is to be understood that the specific embodiments described herein are merely illustrative of the application and are not limiting of the application. It should be further noted that, for the convenience of description, only some of the structures related to the present application are shown in the drawings, not all of the structures.
Before discussing exemplary embodiments in more detail, it should be noted that some exemplary embodiments are described as processes or methods depicted as flowcharts. Although a flowchart may describe the steps as a sequential process, many of the steps can be performed in parallel, concurrently or simultaneously. In addition, the order of the steps may be rearranged. The process may be terminated when its operations are completed, but may have additional steps not included in the figure. The processes may correspond to methods, functions, procedures, subroutines, and the like.
Example one
Fig. 1 is a flowchart of a method for determining an insurance scheme based on big data according to an embodiment of the present application, where the embodiment is suitable for a use situation of a platform individual user, and the method can be executed by a device for determining an insurance scheme based on big data according to an embodiment of the present application, and the device can be implemented by software and/or hardware and can be integrated in an electronic device such as an intelligent terminal.
As shown in fig. 1, the method for determining the big-data-based insurance scheme includes:
and S110, responding to the acquisition request of the insurance scheme of the user, and acquiring the personal information and the service information of the user.
The technical details provided by the present solution may be executed by a platform, or may be executed by one or more servers constructed as a platform. Specifically, the method can be used for a software platform of 'flexible employment' and is used for online delivering wages for individual workers by an employment enterprise. After the user logs in the platform, the service content is displayed on the accessed service terminal, which may include the content of the insurance service, and after the user clicks the insurance service, the specific insurance content can be displayed, such as an insurance company, an insurance category, and the like. The insurance types can also comprise a plurality of types, such as health risks, medical risks, property risks and other dangerous types, and the insurance types can comprise a single dangerous type or a mixed combination of a plurality of dangerous types.
After the user clicks the insurance service, it may be regarded that an acquisition request of the insurance scheme of the user is received, and at this time, the personal information and the business information of the user may be acquired according to the login account of the user.
In the technical scheme, the personal information can be information including the name, the sex, the identification number, the age and the like of the user. The business information may be a determination of which items the user is currently or will be involved in, the type of items, such as high risk work items and general work items, and so on.
And S120, determining at least one recommended insurance scheme of the personal information and the business information according to the personal information and the business information based on a big data algorithm.
The historical insurance scheme selection of other users of personal information and business information similar to the user can be determined according to a big data algorithm, so that the insurance scheme provided for the user can meet the actual requirement of the user, and the problem that the use experience of the user is influenced because the content of the recommended insurance scheme does not meet the actual requirement of the user is avoided.
Before recommendation, an insurance scheme may be generated preferentially, for example, different insurance schemes may be generated according to the collocation of various risk categories or different insurance amounts of each risk category, so as to be provided for users conveniently. Specifically, different insurance schemes can be obtained through a series of operations including creating an insurance scheme, modifying the insurance scheme, generating the insurance scheme, and the like.
The display of the insurance scheme may be to display the recommended insurance scheme in a "recommend insurance scheme for you" column and provide all the insurance schemes supported by the current platform in an "all insurance schemes" column after determining to enter the insurance service with the user.
In this embodiment, specifically, after determining at least one recommended insurance scheme associated with the personal information and the business information, the method further includes: displaying the recommended insurance schemes and displaying all the candidate insurance schemes; and if the operation that the user clicks and views all the candidate insurance schemes is detected, displaying the summaries of all the candidate insurance schemes in a list form, and displaying the detailed information of the target candidate insurance schemes according to the selection operation of the user. That is, after the recommended insurance schemes do not meet the requirements of the user, all the insurance schemes can be displayed for the user to select according to the click-to-view operation of the user, and preferably, the summary of each insurance scheme, such as which insurance categories are included, the average daily amount of the premium, the insurance amount and the like, can be displayed first. If the user continues to click on the insurance scheme, detailed insurance information is displayed for the user.
S130, displaying insurance information of the target insurance scheme according to the target insurance scheme selected by the user.
In the technical scheme, if a user selects a certain insurance scheme, the insurance scheme is determined to be the target insurance scheme, and insurance information of the target insurance scheme is displayed for the user.
In this technical solution, optionally, after the insurance information of the target insurance scheme is displayed, the method further includes: and receiving the purchase operation of the user, and taking insurance for the user according to the insurance time period selected by the user.
After the user knows the insurance information of the target insurance scheme, the insurance period selected by the user can be determined according to the purchase operation of the user, for example, the current purchase date is No. 1 month and No. 3, the user wants to take effect from 1 month and 10 days, and the user can select the insurance period and take the insurance for the user after the user finishes purchasing. According to the scheme, the actual requirements of the user can be met better, the insurance service is simple, convenient and quick to realize according to the time for the user to take the project or other basis selected by the user, and the actual requirements of the user can be met.
In this technical solution, optionally, after the user is insured according to the insurance period selected by the user, the method further includes: detecting whether the insurance scheme of the user is updated every preset time, if the insurance scheme of the user is detected to be updated, generating insurance scheme updating prompt information, and determining whether the insurance scheme is updated according to the selection of the user.
In this scheme, for updating the insurance scheme, it may be to notify the user of the updated insurance scheme when it is detected that the updated insurance scheme exists, or to detect whether the insurance scheme purchased by the user has an update every preset time period, for example, every 7 days, and notify the user when the update exists. The insurance scheme has the advantages that the insurance scheme which is real-time and better meets the actual requirements of the user can be provided for the user, and the use experience of the user on the insurance service of the platform is improved.
According to the technical scheme provided by the embodiment of the application, the personal information and the service information of the user are acquired in response to the acquisition request of the insurance scheme of the user; determining at least one recommended insurance scheme of the personal information and the business information according to the personal information and the business information based on a big data algorithm; and displaying insurance information of the target insurance scheme according to the target insurance scheme selected by the user. By adopting the technical scheme provided by the application, an insurance service management mechanism which is applicable to a platform and is simple, convenient and safe can be provided, so that the user can directly provide an insurance scheme suitable for the user without knowing and purchasing insurance during the operation project process, and the effect of using experience of the individual user is improved.
On the basis of the above technical solution, optionally, after the user is insured according to the insurance time period selected by the user, the method further includes:
determining a time interval between a current time and a cutoff time of the insured period;
if the time interval reaches a first threshold value, generating first insurance expiration prompting information and sending the first insurance expiration prompting information to a user;
if the time interval reaches a second threshold value, generating second insurance expiration prompting information and sending the second insurance expiration prompting information to a user;
wherein the first threshold is greater than the second threshold.
The first threshold value may be 7 days, the second threshold value may be 3 days, and the user may select whether or not to continue the guarantee operation on the platform by sending a prompt message to the user at a certain time before the insurance expires. The setting can not only improve the working safety of the user, but also can simplify the renewal operation of the user, the user does not need to manually select the insurance scheme again after the expiration, and the renewal operation of the user is directly carried out.
On the basis of the above technical solution, optionally, after the user is insured according to the insurance time period selected by the user, the method further includes:
determining whether the user in danger meets a preset tolerance condition;
if yes, in a first time period after the insurance is carried out on the user, if an insurance suspension request of the user is received, the insurance service is suspended, and after the received insurance recovery request, the insurance service is recovered according to the remaining time length of the original insurance time period.
On the basis of the above technical scheme, optionally, the preset margin condition is within a first month time period after the user is in danger.
Fig. 2 is a schematic diagram of an insurance processing method according to an embodiment of the present application. As shown in fig. 2, the user registration may include the steps of:
after the user is in danger, the user can send out an insurance suspension request to suspend insurance service in the first month after danger according to the actual requirement of the user, and after sending out an insurance recovery request, the user can recover the insurance service according to the residual time of the original insurance time period. For example, the insurance purchased by the user is No. 1 to 30 in the current month, a request for suspension of insurance is made in No. 4, and a resume request is made in No. 15, the user's insurance period may be divided into 4 days from No. 1 to No. 4 and 26 days from No. 15 to No. 10 in the next month. And if the user applies for insurance suspension after the number 15, the insurance can still be suspended until the insurance of the previous 30 days is completely used up, and then continuous calculation is carried out.
The scheme can adapt to the actual requirements of the user through the setting, such as the condition that the project is paused, or the condition that the current project is about to end and the next project is continued for a period of time.
Example two
Fig. 3 is a schematic structural diagram of a big data-based insurance scheme determination apparatus provided in the second embodiment of the present application. As shown in fig. 3, the big-data-based insurance scheme determining apparatus includes:
an information obtaining module 310, configured to obtain personal information and business information of a user in response to a request for obtaining an insurance scheme of the user;
a recommended insurance scheme determining module 320, configured to determine at least one recommended insurance scheme associated with the personal information and the business information according to the personal information and the business information based on a big data algorithm;
the insurance information display module 330 is configured to display insurance information of the target insurance scheme according to the target insurance scheme selected by the user.
According to the technical scheme provided by the embodiment of the application, the personal information and the service information of the user are acquired in response to the acquisition request of the insurance scheme of the user; determining at least one recommended insurance scheme of the personal information and the business information according to the personal information and the business information based on a big data algorithm; and displaying insurance information of the target insurance scheme according to the target insurance scheme selected by the user. By adopting the technical scheme provided by the application, an insurance service management mechanism which is applicable to a platform and is simple, convenient and safe can be provided, so that the user can directly provide an insurance scheme suitable for the user without knowing and purchasing insurance during the operation project process, and the effect of using experience of the individual user is improved.
The product can operate the method provided by any embodiment of the application, and has the corresponding functional modules and beneficial effects of the operation method.
EXAMPLE III
Embodiments of the present application also provide a storage medium containing computer executable instructions, which when executed by a computer processor, perform a method for big data based insurance policy determination, the method comprising:
responding to an acquisition request of an insurance scheme of a user, and acquiring personal information and business information of the user;
determining at least one recommended insurance scheme of the personal information and the business information according to the personal information and the business information based on a big data algorithm;
and displaying insurance information of the target insurance scheme according to the target insurance scheme selected by the user.
Storage medium-any of various types of memory devices or storage devices. The term "storage medium" is intended to include: mounting media such as CD-ROM, floppy disk, or tape devices; computer system memory or random access memory such as DRAM, DDR RAM, SRAM, EDO RAM, Lanbas (Rambus) RAM, etc.; non-volatile memory such as flash memory, magnetic media (e.g., hard disk or optical storage); registers or other similar types of memory elements, etc. The storage medium may also include other types of memory or combinations thereof. In addition, the storage medium may be located in the computer system in which the program is executed, or may be located in a different second computer system connected to the computer system through a network (such as the internet). The second computer system may provide the program instructions to the computer for execution. The term "storage medium" may include two or more storage media that may reside in different locations, such as in different computer systems that are connected by a network. The storage medium may store program instructions (e.g., embodied as a computer program) that are executable by one or more processors.
Of course, the storage medium provided in the embodiments of the present application contains computer executable instructions, and the computer executable instructions are not limited to the operation of determining the big data based insurance scheme as described above, and may also execute related operations in the method of determining the big data based insurance scheme provided in any embodiment of the present application.
Example four
The embodiment of the application provides electronic equipment, and a device for determining the insurance scheme based on big data provided by the embodiment of the application can be integrated into the electronic equipment. Fig. 4 is a schematic structural diagram of an electronic device according to a fourth embodiment of the present application. As shown in fig. 4, the present embodiment provides an electronic device 400, which includes: one or more processors 420; the storage device 410 is used for storing one or more programs, and when the one or more programs are executed by the one or more processors 420, the one or more processors 420 implement the method for determining the big-data-based insurance scheme provided by the embodiment of the application, the method includes:
responding to an acquisition request of an insurance scheme of a user, and acquiring personal information and business information of the user;
determining at least one recommended insurance scheme of the personal information and the business information according to the personal information and the business information based on a big data algorithm;
and displaying insurance information of the target insurance scheme according to the target insurance scheme selected by the user.
The electronic device 400 shown in fig. 4 is only an example, and should not bring any limitation to the functions and the scope of use of the embodiments of the present application.
As shown in fig. 4, the electronic device 400 includes a processor 420, a storage device 410, an input device 430, and an output device 440; the number of the processors 420 in the electronic device may be one or more, and one processor 420 is taken as an example in fig. 4; the processor 420, the storage device 410, the input device 430, and the output device 440 in the electronic apparatus may be connected by a bus or other means, and are exemplified by a bus 450 in fig. 4.
The storage device 410 is a computer-readable storage medium, and can be used for storing software programs, computer-executable programs, and module units, such as program instructions corresponding to the method for determining a big data based insurance scheme in the embodiment of the present application.
The storage device 410 may mainly include a storage program area and a storage data area, wherein the storage program area may store an operating system, an application program required for at least one function; the storage data area may store data created according to the use of the terminal, and the like. Further, the storage 410 may include high speed random access memory, and may also include non-volatile memory, such as at least one magnetic disk storage device, flash memory device, or other non-volatile solid state storage device. In some examples, storage 410 may further include memory located remotely from processor 420, which may be connected via a network. Examples of such networks include, but are not limited to, the internet, personal intranets, local area networks, mobile communication networks, and combinations thereof.
The input device 430 may be used to receive input numbers, character information, or voice information, and to generate key signal inputs related to individual user settings and function control of the electronic apparatus. The output device 440 may include a display screen, speakers, etc.
The electronic equipment provided by the embodiment of the application can provide an insurance service management mechanism which is applicable to a platform, simple and safe, so that the user does not need to know and purchase insurance under the line in the process of an operation project, an insurance scheme suitable for the user is directly provided for the user, and the use experience effect of the individual user is improved.
The device, medium and equipment for determining the insurance scheme based on big data provided in the above embodiments can operate the method for determining the insurance scheme based on big data provided in any embodiment of the present application, and have corresponding functional modules and beneficial effects for operating the method. The technical details not described in detail in the above embodiments can be referred to a method for determining a big data based insurance scheme provided in any embodiment of the present application.
It is to be noted that the foregoing is only illustrative of the preferred embodiments of the present application and the technical principles employed. It will be understood by those skilled in the art that the present application is not limited to the particular embodiments described herein, but is capable of various obvious changes, rearrangements and substitutions as will now become apparent to those skilled in the art without departing from the scope of the application. Therefore, although the present application has been described in more detail with reference to the above embodiments, the present application is not limited to the above embodiments, and may include other equivalent embodiments without departing from the spirit of the present application, and the scope of the present application is determined by the scope of the appended claims.
Claims (10)
1. A method for determining a big data based insurance scheme, comprising:
responding to an acquisition request of an insurance scheme of a user, and acquiring personal information and business information of the user;
determining at least one recommended insurance scheme of the personal information and the business information according to the personal information and the business information based on a big data algorithm;
and displaying insurance information of the target insurance scheme according to the target insurance scheme selected by the user.
2. The method of claim 1, wherein after presenting insurance information for the target insurance scheme, the method further comprises:
and receiving the purchase operation of the user, and taking insurance for the user according to the insurance time period selected by the user.
3. The method of claim 2, wherein after insuring the user according to the user selected insurance period, the method further comprises:
detecting whether the insurance scheme of the user is updated every preset time, if the insurance scheme of the user is detected to be updated, generating insurance scheme updating prompt information, and determining whether the insurance scheme is updated according to the selection of the user.
4. The method of claim 1, wherein after determining at least one recommended insurance scheme with the personal and business information, the method further comprises:
displaying the recommended insurance schemes and displaying all the candidate insurance schemes;
and if the operation that the user clicks and views all the candidate insurance schemes is detected, displaying the summaries of all the candidate insurance schemes in a list form, and displaying the detailed information of the target candidate insurance schemes according to the selection operation of the user.
5. The method of claim 1, wherein after insuring the user according to the user selected insurance period, the method further comprises:
determining a time interval between a current time and a cutoff time of the insured period;
if the time interval reaches a first threshold value, generating first insurance expiration prompting information and sending the first insurance expiration prompting information to a user;
if the time interval reaches a second threshold value, generating second insurance expiration prompting information and sending the second insurance expiration prompting information to a user;
wherein the first threshold is greater than the second threshold.
6. The method of claim 1, wherein after insuring the user according to the user selected insurance period, the method further comprises:
determining whether the user in danger meets a preset tolerance condition;
if yes, in a first time period after the insurance is carried out on the user, if an insurance suspension request of the user is received, the insurance service is suspended, and after the received insurance recovery request, the insurance service is recovered according to the remaining time length of the original insurance time period.
7. The method of claim 6, wherein the preset grace condition is within a first month period after the user is at risk.
8. An apparatus for big data based insurance scheme determination, comprising:
the information acquisition module is used for responding to an acquisition request of an insurance scheme of a user and acquiring personal information and service information of the user;
the recommended insurance scheme determining module is used for determining at least one recommended insurance scheme of the personal information and the business information according to the personal information and the business information based on a big data algorithm;
and the insurance information display module is used for displaying the insurance information of the target insurance scheme according to the target insurance scheme selected by the user.
9. A computer-readable storage medium on which a computer program is stored, the program, when executed by a processor, implementing the method for big-data based insurance policy determination according to any one of claims 1 to 7.
10. An electronic device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the method for determining a big-data based insurance scheme according to any one of claims 1 to 7 when executing the computer program.
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| CN202010342514.0A CN111507852B (en) | 2020-04-27 | 2020-04-27 | Method, device, medium and equipment for determining insurance scheme based on big data |
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Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN112270606A (en) * | 2020-10-30 | 2021-01-26 | 海腾保险代理有限公司 | Information processing method and device for insurance product recommendation |
| CN112418922A (en) * | 2020-11-12 | 2021-02-26 | 中国人寿保险股份有限公司 | Personalized insurance advertisement recommendation method and system |
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| US20020010598A1 (en) * | 1999-12-18 | 2002-01-24 | Johnson Jerome Dale | System and method for providing configuration and sales information to assist in the development of insurance plans |
| CN109657852A (en) * | 2018-12-12 | 2019-04-19 | 四川易小保网络科技有限公司 | A kind of insurance business processing method and system based on big data |
| CN109816470A (en) * | 2018-12-15 | 2019-05-28 | 中国平安人寿保险股份有限公司 | Insurance kind recommended method, device, electronic equipment and computer readable storage medium |
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| US20020010598A1 (en) * | 1999-12-18 | 2002-01-24 | Johnson Jerome Dale | System and method for providing configuration and sales information to assist in the development of insurance plans |
| CN109657852A (en) * | 2018-12-12 | 2019-04-19 | 四川易小保网络科技有限公司 | A kind of insurance business processing method and system based on big data |
| CN109816470A (en) * | 2018-12-15 | 2019-05-28 | 中国平安人寿保险股份有限公司 | Insurance kind recommended method, device, electronic equipment and computer readable storage medium |
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN112270606A (en) * | 2020-10-30 | 2021-01-26 | 海腾保险代理有限公司 | Information processing method and device for insurance product recommendation |
| CN112418922A (en) * | 2020-11-12 | 2021-02-26 | 中国人寿保险股份有限公司 | Personalized insurance advertisement recommendation method and system |
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| Publication number | Publication date |
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| CN111507852B (en) | 2022-08-09 |
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