CN114926297A - Insurance product recommendation method and system for different groups - Google Patents
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Abstract
The application discloses a method for recommending insurance products for different groups, which comprises the following steps: determining a second distributed network address having a transaction relationship with the first distributed network address based on the transaction record information of the distributed network address, and establishing a distributed network address set, wherein the distributed network address set comprises: the first distributed network address and the second distributed network address; respectively calculating the price sensitivity coefficient of each distributed network address in the distributed network address set; determining a third distributed network address from the set of distributed network addresses according to the price sensitivity coefficient of each distributed network address; and determining the insurance contract to be recommended according to the insurance contract calling record of the third distributed network address, and recommending the insurance contract to be recommended to the first distributed network address.
Description
Technical Field
The application relates to the field of insurance bases, in particular to a method and a system for recommending insurance products for different groups.
Background
In the new generation of insurance computing systems, insurance contracts are an important component. Insurance contracts are program code that runs on a distributed network, and are the contract terms that automatically execute an agreement without third party intervention. Insurance contract recommendations are insurance contract-based service recommendations made in a distributed network system.
The existing insurance contract recommendation mechanism can not accurately determine reasonable insurance products and insurance cost aiming at user behaviors, and ignores the difference of different users, thereby causing the problem of lower accuracy of the existing insurance contract recommendation.
Disclosure of Invention
In order to solve the above existing problems, the present application provides a method for recommending insurance products for different groups, comprising:
determining a second distributed network address having a transaction relationship with the first distributed network address based on transaction record information of the distributed network addresses, and establishing a distributed network address set, wherein the distributed network address set comprises: the first distributed network address and the second distributed network address; respectively calculating the price sensitivity coefficient of each distributed network address in the distributed network address set by taking the transaction amount and the transaction price in the transaction record information as independent variables and combining a correlation coefficient calculation formula; determining a third distributed network address from the distributed network address set according to the price sensitivity coefficient of each distributed network address, wherein the third distributed network address is the distributed network address with the price sensitivity coefficient closest to the first price sensitivity coefficient in the second distributed network address, and the first price sensitivity coefficient is the price sensitivity coefficient of the first distributed network address; and determining an insurance contract to be recommended according to the insurance contract calling record of the third distributed network address, and recommending the insurance contract to be recommended to the first distributed network address, wherein the insurance contract to be recommended is the insurance contract called by the third distributed network address.
In some embodiments, the calculating the price sensitivity coefficient of the distributed network address specifically includes: and when the transaction record information of the distributed network address is one, calculating a correlation coefficient corresponding to the transaction record information by taking the transaction amount and the transaction settlement price in the transaction record information as independent variables and combining a correlation coefficient calculation formula, and taking the correlation coefficient as a price sensitivity coefficient of the distributed network address.
In some embodiments, the calculating of the price sensitivity coefficient of the distributed network address specifically includes: when the transaction record information of the distributed network address is a plurality of pieces, the transaction amount and the transaction settlement price in each piece of transaction record information are taken as independent variables, the correlation coefficient corresponding to each piece of transaction record information is respectively calculated by combining a correlation coefficient calculation formula, and the average value of each correlation coefficient is taken as the price sensitivity coefficient of the distributed network address.
In some embodiments, the establishing a distributed network address set specifically includes: and establishing a distributed network address set through a parallel-searching clustering mode based on the first distributed network address and the second distributed network address.
In certain embodiments, further comprising: and according to the historical insurance contracts called by the first distributed network address, eliminating the insurance contracts to be recommended which are the same as the historical insurance contracts to obtain the simplified insurance contracts to be recommended so as to recommend the simplified insurance contracts to be recommended to the first distributed network address.
This application still discloses in another aspect to not using group's insurance product recommendation system, includes:
a distributed network address set establishing unit, configured to determine, based on transaction record information of a distributed network address, a second distributed network address having a transaction relationship with a first distributed network address, and establish a distributed network address set, where the distributed network address set includes: the first distributed network address and the second distributed network address; the price sensitivity coefficient calculation unit is used for respectively calculating the price sensitivity coefficient of each distributed network address in the distributed network address set by taking the transaction amount and the transaction bargain price in the transaction record information as independent variables and combining a correlation coefficient calculation formula; a price sensitivity coefficient comparing unit, configured to determine a third distributed network address from the distributed network address set according to a price sensitivity coefficient of each distributed network address, where the third distributed network address is a distributed network address of the second distributed network address whose price sensitivity coefficient is closest to the first price sensitivity coefficient, and the first price sensitivity coefficient is a price sensitivity coefficient of the first distributed network address; and the insurance contract recommending unit is used for determining an insurance contract to be recommended according to the insurance contract calling record of the third distributed network address and recommending the insurance contract to be recommended to the first distributed network address, wherein the insurance contract to be recommended is the insurance contract called by the third distributed network address.
In some embodiments, the price sensitivity coefficient calculating unit is specifically configured to: and when the transaction record information of the distributed network address is one, calculating a correlation coefficient corresponding to the transaction record information by taking the transaction amount and the transaction settlement price in the transaction record information as independent variables and combining a correlation coefficient calculation formula, and taking the correlation coefficient as a price sensitivity coefficient of the distributed network address.
In some embodiments, the price sensitivity coefficient calculation unit is specifically configured to: when the transaction record information of the distributed network address is a plurality of pieces, the transaction amount and the transaction settlement price in each piece of transaction record information are used as independent variables, correlation coefficients corresponding to each piece of transaction record information are respectively calculated by combining a correlation coefficient calculation formula, and the average value of each correlation coefficient is used as the price sensitivity coefficient of the distributed network address.
In some embodiments, the establishing a distributed network address set specifically includes: and establishing a distributed network address set through a parallel-searching clustering mode based on the first distributed network address and the second distributed network address.
In certain embodiments, further comprising: and the insurance contract simplification module is used for eliminating the insurance contracts which are the same as the historical insurance contracts in the insurance contracts to be recommended according to the historical insurance contracts called by the first distributed network address to obtain the simplified insurance contracts to be recommended so as to recommend the simplified insurance contracts to be recommended to the first distributed network address.
According to the technical scheme, the method has the following advantages:
the application provides a method and a device for recommending insurance products for different groups, wherein the method comprises the following steps: determining a second distributed network address having a transaction relationship with the first distributed network address based on transaction record information of the distributed network addresses, and establishing a distributed network address set, wherein the distributed network address set comprises: the first distributed network address and the second distributed network address; respectively calculating the price sensitivity coefficient of each distributed network address in the distributed network address set by taking the transaction amount and the transaction price in the transaction record information as independent variables and combining a correlation coefficient calculation formula; determining a third distributed network address from the distributed network address set according to the price sensitivity coefficient of each distributed network address, wherein the third distributed network address is the distributed network address with the price sensitivity coefficient closest to the first price sensitivity coefficient in the second distributed network address, and the first price sensitivity coefficient is the price sensitivity coefficient of the first distributed network address; and determining an insurance contract to be recommended according to the insurance contract calling record of the third distributed network address, and recommending the insurance contract to be recommended to the first distributed network address, wherein the insurance contract to be recommended is the insurance contract called by the third distributed network address.
According to the method and the device, the transaction group preference of the distributed network address to the insurance contract transaction cost and the sensitivity degree of the distributed network address to the transaction price are calculated through the transaction record and the transaction cost based on the distributed network address, so that the insurance contract which meets the transaction group preference and the transaction price of the user corresponding to the distributed network address is recommended to the user corresponding to the distributed network address in a targeted manner, and the technical problem that the recommendation accuracy of the existing insurance contract recommendation mode is low is solved.
Additional aspects and advantages of the present application will be set forth in part in the description which follows and, in part, will be obvious from the description, or may be learned by practice of the present application.
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The above and/or additional aspects and advantages of the present application will become apparent and readily appreciated from the following description of the embodiments, taken in conjunction with the accompanying drawings of which:
FIG. 1 is a schematic flow chart diagram of one embodiment provided herein;
fig. 2 is a schematic structural diagram of an embodiment provided in the present application.
Detailed Description
Reference will now be made in detail to embodiments of the present application, examples of which are illustrated in the accompanying drawings, wherein like or similar reference numerals refer to the same or similar elements or elements having the same or similar function throughout. The embodiments described below with reference to the accompanying drawings are illustrative and are only for the purpose of explaining the present application and are not to be construed as limiting the present application.
In the description of the present application, it is to be understood that the terms "first", "second" are used for descriptive purposes only and are not to be construed as indicating or implying relative importance or implying any number of technical features indicated. Thus, features defined as "first" and "second" may explicitly or implicitly include one or more of the described features. In the description of the present application, "a plurality" means two or more unless specifically limited otherwise.
In the description of the present application, it is to be noted that, unless otherwise explicitly specified or limited, the terms "mounted," "connected," and "connected" are to be construed broadly, e.g., as meaning either a fixed connection, a removable connection, or an integral connection; may be mechanically connected, may be electrically connected or may be in communication with each other; either directly or indirectly through intervening media, either internally or in any other relationship. The specific meaning of the above terms in the present application can be understood by those of ordinary skill in the art as appropriate.
The following disclosure provides many different embodiments or examples for implementing different features of the application. To simplify the disclosure of the present application, specific example components and arrangements are described below. Of course, they are merely examples and are not intended to limit the present application. Moreover, the present application may repeat reference numerals and/or letters in the various examples, such repetition is for the purpose of simplicity and clarity and does not in itself dictate a relationship between the various embodiments and/or configurations discussed. In addition, examples of various specific processes and materials are provided herein, but one of ordinary skill in the art may recognize applications of other processes and/or use of other materials.
Referring to fig. 1, step 101: determining a second distributed network address having a transaction relation with the first distributed network address based on the transaction record information of the distributed network address, and establishing a distributed network address set, wherein the distributed network address set comprises: a first distributed network address and a second distributed network address.
According to the method, firstly, based on an address needing insurance contract recommendation, namely a first distributed network address, transaction record information of the distributed network address is combined, a second distributed network address which has a direct or indirect transaction relation with the first distributed network address is determined, and a distributed network address set containing the first distributed network address and the second distributed network address is established, namely distributed network addresses with the same or similar transaction types are gathered in the same address set.
Step 102: and respectively calculating the price sensitivity coefficient of each distributed network address in the distributed network address set by taking the transaction amount and the transaction price in the transaction record information as independent variables and combining a correlation coefficient calculation formula.
Based on the distributed network address set obtained in step 101, the price sensitivity coefficient of each distributed network address in the distributed network address set is obtained by executing the calculation mode in step 102.
The price sensitivity coefficient mentioned in this embodiment is used to measure the sensitivity of the user corresponding to the distributed network address to the transaction price, so as to determine the transaction habit of the user, and the transactions on the distributed network platform can be roughly divided into two types: one type is just-needed type transaction, and the transaction is characterized in that the transaction amount and the transaction frequency are relatively stable and are not easily influenced by price fluctuation, and the correlation between the transaction amount and the transaction bargain price is weak; the other is non-demand type transaction, and the transaction is characterized in that when the market price is lowered, the transaction amount is increased, otherwise, the transaction amount is lowered and is easily influenced by price fluctuation, the correlation between the transaction amount and the transaction settlement price is strong, and the transaction amount mentioned in the embodiment can be represented by the transaction amount or can be represented by the transaction commission fee.
Step 103: and determining a third distributed network address from the distributed network address set according to the price sensitivity coefficient of each distributed network address, wherein the third distributed network address is the distributed network address with the price sensitivity coefficient closest to the first price sensitivity coefficient in the second distributed network address, and the first price sensitivity coefficient is the price sensitivity coefficient of the first distributed network address.
Then, according to the price sensitivity coefficient calculated in step 102, the price sensitivity coefficients of the distributed network addresses are compared, so that a third distributed network address with the price sensitivity coefficient closest to the first price sensitivity coefficient is determined from the second distributed network addresses.
Step 104: and determining the insurance contract to be recommended according to the insurance contract calling record of the third distributed network address, and recommending the insurance contract to be recommended to the first distributed network address, wherein the insurance contract to be recommended is the insurance contract called by the third distributed network address.
And finally, recommending the insurance contract called by the third distributed network address as the insurance contract to be recommended to the first distributed network address according to the determined third distributed network address, so as to achieve the purpose of recommending the insurance contract which accords with the preference and the transaction price of the transaction group to the user corresponding to the first distributed network address in a more targeted manner according to the elasticity of the user demand and the price consumption psychology of the user.
The above is a detailed description of a first embodiment of the insurance product recommendation method for an unaffiliated group provided by the present application, and the following is a detailed description of a second embodiment of the insurance product recommendation method for an unaffiliated group provided by the present application.
The second embodiment of the present application provides a recommendation method of insurance products for different groups based on the first embodiment.
Further, in step 102, the calculating process of the price sensitivity coefficient of the distributed network address specifically includes:
when the transaction record information of the distributed network address is one, the transaction amount and the transaction settlement price in the transaction record information are used as independent variables, a correlation coefficient calculation formula is combined, the correlation coefficient corresponding to the transaction record information is calculated, and the correlation coefficient is used as the price sensitivity coefficient of the distributed network address.
When the transaction record information of the distributed network address is a plurality of pieces, the transaction amount and the transaction settlement price in each transaction record information are taken as independent variables, the correlation coefficient corresponding to each transaction record information is respectively calculated by combining a correlation coefficient calculation formula, and the average value of each correlation coefficient is taken as the price sensitivity coefficient of the distributed network address.
Further, in step 101, establishing a distributed network address set specifically includes:
the method comprises the steps of establishing a distributed network address set through a parallel-searching clustering mode based on a first distributed network address and a second distributed network address, wherein the parallel-searching clustering mode is a tree-shaped data structure and is commonly used for judging whether two subsets belong to the same set or not and merging the subsets belonging to the same set according to a certain sequence. And the basic operations of the searching set comprise initialization, searching and combination.
Further, in step 104, after determining the insurance contract to be recommended, and before recommending the insurance contract to be recommended to the first distributed network address, the method may further include:
and according to the historical insurance contracts called by the first distributed network address, eliminating the insurance contracts to be recommended which are the same as the historical insurance contracts to obtain the simplified insurance contracts to be recommended so as to recommend the simplified insurance contracts to be recommended to the first distributed network address.
After the insurance contracts called by the first distributed network address are eliminated from all the insurance contracts called by the third distributed network address, the remaining insurance contracts are recommended to the first distributed network address, so that the resource waste of repeated pushing is avoided.
The above is a detailed description of the second embodiment of the method for recommending insurance products for an unaffiliated group provided by the present application, and the following is a detailed description of the first embodiment of the system for recommending insurance products for an unaffiliated group provided by the present application.
Referring to fig. 2, a third embodiment of the present application provides an insurance product recommendation system for an unaffiliated group, comprising:
a distributed network address set establishing unit 201, configured to determine, based on transaction record information of a distributed network address, a second distributed network address having a transaction relationship with a first distributed network address, and establish a distributed network address set, where the distributed network address set includes: a first distributed network address and a second distributed network address.
And the price sensitivity coefficient calculating unit 202 is configured to calculate the price sensitivity coefficient of each distributed network address in the distributed network address set by using the transaction amount and the transaction settlement price in the transaction record information as arguments and combining a correlation coefficient calculation formula.
The price sensitivity coefficient comparing unit 203 is configured to determine a third distributed network address from the distributed network address set according to the price sensitivity coefficient of each distributed network address, where the third distributed network address is a distributed network address of which the price sensitivity coefficient is closest to the first price sensitivity coefficient in the second distributed network address, and the first price sensitivity coefficient is the price sensitivity coefficient of the first distributed network address.
And the insurance contract recommending unit 204 is configured to determine an insurance contract to be recommended according to the insurance contract calling record of the third distributed network address, and recommend the insurance contract to be recommended to the first distributed network address, where the insurance contract to be recommended is an insurance contract called by the third distributed network address.
Further, the price sensitivity coefficient calculating unit 202 is specifically configured to:
when the transaction record information of the distributed network address is one, the transaction amount and the transaction settlement price in the transaction record information are used as independent variables, the correlation coefficient corresponding to the transaction record information is calculated by combining a correlation coefficient calculation formula, and the correlation coefficient is used as the price sensitivity coefficient of the distributed network address.
Further, the price sensitivity coefficient calculating unit 202 is specifically configured to:
when the transaction record information of the distributed network address is a plurality of pieces, the transaction amount and the transaction settlement price in each transaction record information are taken as independent variables, the correlation coefficient corresponding to each transaction record information is respectively calculated by combining a correlation coefficient calculation formula, and the average value of each correlation coefficient is taken as the price sensitivity coefficient of the distributed network address.
Further, the establishing the distributed network address set in the distributed network address set establishing unit 201 specifically includes:
and establishing a distributed network address set through a parallel-searching clustering mode based on the first distributed network address and the second distributed network address.
Further, the group-free insurance product recommendation system as described above may further include:
the insurance contract reducing module 205 is configured to remove the insurance contracts that are the same as the historical insurance contracts in the insurance contracts to be recommended according to the historical insurance contracts called by the first distributed network address, so as to obtain the reduced insurance contracts to be recommended, so as to recommend the reduced insurance contracts to be recommended to the first distributed network address.
It is clear to those skilled in the art that, for convenience and brevity of description, the specific working processes of the above-described apparatuses and units may refer to the corresponding processes in the foregoing method embodiments, and are not described herein again.
In some embodiments, the verification module is further configured to query, according to the unique identifier, historical entry information of a previous time point, compare newly entered entry information with the historical entry information, record information entry information after the newly entered entry information is successfully compared with all the historical entry information in each node, generate a chained timestamp, and send the entered information to the supervising node.
In the description of the present specification, reference to the description of "one embodiment", "certain embodiments", "illustrative embodiments", "examples", "specific examples", or "some examples" or the like means that a particular feature, structure, material, or characteristic described in connection with the embodiment or example is included in at least one embodiment or example of the present application. In this specification, schematic representations of the above terms do not necessarily refer to the same embodiment or example. Furthermore, the particular features, structures, materials, or characteristics described may be combined in any suitable manner in any one or more embodiments or examples.
While embodiments of the present application have been shown and described, it will be understood by those of ordinary skill in the art that: numerous changes, modifications, substitutions and alterations can be made to the embodiments without departing from the principles and spirit of the application, the scope of which is defined by the claims and their equivalents.
Claims (10)
1. An insurance product recommendation method for different groups, comprising:
determining a second distributed network address having a transaction relationship with the first distributed network address based on transaction record information of the distributed network addresses, and establishing a distributed network address set, wherein the distributed network address set comprises: the first distributed network address and the second distributed network address;
respectively calculating the price sensitivity coefficient of each distributed network address in the distributed network address set by taking the transaction amount and the transaction settlement price in the transaction record information as independent variables and combining a correlation coefficient calculation formula;
determining a third distributed network address from the distributed network address set according to a price sensitivity coefficient of each distributed network address, wherein the third distributed network address is a distributed network address with a price sensitivity coefficient closest to the first price sensitivity coefficient in the second distributed network addresses, and the first price sensitivity coefficient is the price sensitivity coefficient of the first distributed network address;
and determining an insurance contract to be recommended according to the insurance contract calling record of the third distributed network address, and recommending the insurance contract to be recommended to the first distributed network address, wherein the insurance contract to be recommended is the insurance contract called by the third distributed network address.
2. The method of claim 1, wherein the calculating of the price sensitivity factor for the distributed network address comprises:
and when the transaction record information of the distributed network address is one, calculating a correlation coefficient corresponding to the transaction record information by taking the transaction amount and the transaction settlement price in the transaction record information as independent variables and combining a correlation coefficient calculation formula, and taking the correlation coefficient as a price sensitivity coefficient of the distributed network address.
3. The method of claim 1, wherein the calculating of the price sensitivity factor for the distributed network address comprises:
when the transaction record information of the distributed network address is a plurality of pieces, the transaction amount and the transaction settlement price in each piece of transaction record information are taken as independent variables, the correlation coefficient corresponding to each piece of transaction record information is respectively calculated by combining a correlation coefficient calculation formula, and the average value of each correlation coefficient is taken as the price sensitivity coefficient of the distributed network address.
4. The method of claim 1, wherein the establishing a distributed set of network addresses specifically comprises:
and establishing a distributed network address set through a parallel-searching clustering mode based on the first distributed network address and the second distributed network address.
5. The insurance product recommendation method for an unaffiliated group according to claim 1, further comprising:
and according to the historical insurance contracts called by the first distributed network address, eliminating the insurance contracts which are the same as the historical insurance contracts in the insurance contracts to be recommended to obtain the reduced insurance contracts to be recommended so as to recommend the reduced insurance contracts to be recommended to the first distributed network address.
6. An insurance product recommendation system for an unaffiliated group, comprising:
a distributed network address set establishing unit, configured to determine, based on transaction record information of a distributed network address, a second distributed network address having a transaction relationship with a first distributed network address, and establish a distributed network address set, where the distributed network address set includes: the first distributed network address and the second distributed network address;
the price sensitivity coefficient calculation unit is used for calculating the price sensitivity coefficient of each distributed network address in the distributed network address set by taking the transaction amount and the transaction price in the transaction record information as independent variables and combining a correlation coefficient calculation formula;
a price sensitivity coefficient comparing unit, configured to determine a third distributed network address from the distributed network address set according to a price sensitivity coefficient of each distributed network address, where the third distributed network address is a distributed network address of the second distributed network address whose price sensitivity coefficient is closest to the first price sensitivity coefficient, and the first price sensitivity coefficient is a price sensitivity coefficient of the first distributed network address;
and the insurance contract recommending unit is used for determining an insurance contract to be recommended according to the insurance contract calling record of the third distributed network address and recommending the insurance contract to be recommended to the first distributed network address, wherein the insurance contract to be recommended is the insurance contract called by the third distributed network address.
7. The non-demographic group-specific insurance product recommendation system of claim 6, wherein the price sensitivity coefficient calculation unit is specifically configured to:
and when the transaction record information of the distributed network address is one, calculating a correlation coefficient corresponding to the transaction record information by taking the transaction amount and the transaction settlement price in the transaction record information as independent variables and combining a correlation coefficient calculation formula, and taking the correlation coefficient as a price sensitivity coefficient of the distributed network address.
8. The insurance product recommendation system for an unaffiliated group according to claim 6, wherein said price sensitivity coefficient calculating unit is specifically configured to:
when the transaction record information of the distributed network address is a plurality of pieces, the transaction amount and the transaction settlement price in each piece of transaction record information are taken as independent variables, the correlation coefficient corresponding to each piece of transaction record information is respectively calculated by combining a correlation coefficient calculation formula, and the average value of each correlation coefficient is taken as the price sensitivity coefficient of the distributed network address.
9. The insurance product recommendation system for an unaffiliated group according to claim 6, wherein said establishing a distributed set of network addresses specifically comprises:
and establishing a distributed network address set through a parallel-searching clustering mode based on the first distributed network address and the second distributed network address.
10. The insurance product recommendation system for an unaffiliated group of claim 6, further comprising:
and the insurance contract simplifying module is used for removing the insurance contracts to be recommended, which are the same as the historical insurance contracts, from the insurance contracts to be recommended according to the historical insurance contracts called by the first distributed network address to obtain the simplified insurance contracts to be recommended so as to recommend the simplified insurance contracts to be recommended to the first distributed network address.
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| CN202210684508.2A CN114926297A (en) | 2022-06-17 | 2022-06-17 | Insurance product recommendation method and system for different groups |
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| CN202210684508.2A CN114926297A (en) | 2022-06-17 | 2022-06-17 | Insurance product recommendation method and system for different groups |
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Citations (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN109064346A (en) * | 2018-08-22 | 2018-12-21 | 泰康保险集团股份有限公司 | Insurance products recommended method, device, electronic equipment and computer-readable medium |
| CN113095939A (en) * | 2021-04-26 | 2021-07-09 | 中山大学 | Block chain intelligent contract recommendation method and device |
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Patent Citations (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN109064346A (en) * | 2018-08-22 | 2018-12-21 | 泰康保险集团股份有限公司 | Insurance products recommended method, device, electronic equipment and computer-readable medium |
| CN113095939A (en) * | 2021-04-26 | 2021-07-09 | 中山大学 | Block chain intelligent contract recommendation method and device |
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