CN116894124A

CN116894124A - Policy generation method, device, equipment and medium

Info

Publication number: CN116894124A
Application number: CN202310917749.1A
Authority: CN
Inventors: 王银龙; 付豪
Original assignee: Mingya Insurance Brokerage Co ltd
Current assignee: Mingya Insurance Brokerage Co ltd
Priority date: 2023-07-25
Filing date: 2023-07-25
Publication date: 2023-10-17
Anticipated expiration: 2043-07-25
Also published as: CN116894124B

Abstract

The application relates to the technical field of application and security processing, in particular to a method, a device, equipment and a medium for generating a security policy, wherein the method comprises the following steps: and determining a display priority based on the multiple target insurance products and the insurance analysis result, and using the insurance product analysis and the determined display priority to enable the target insurance products with high matching degree with the user to be preferentially displayed on a display interface of a client side, so that the insurance products with high matching degree are preferentially recommended from the multiple target insurance products at the client side. Then, when an insurance application instruction is detected, policy information is generated based on the user application information and insurance information corresponding to the insurance product to be applied.

Description

Policy generation method, device, equipment and medium

Technical Field

The present application relates to the technical field of application and security processing, and in particular, to a method, an apparatus, a device, and a medium for generating a policy.

Background

With the rapid advance of modern economy, people have more and more contact with insurance, and the demand is also becoming more urgent. The traditional sales channel for insurance products is a direct sales channel, i.e., marketers of insurance companies teach users about insurance products in a face-to-face manner. Furthermore, in the conventional policy issuing process, the user generally selects an insurance product by himself, then, the insurance company performs quotation based on the insurance information of the user and the insurance product, after the user confirms the insurance, the user performs the insurance checking process, and after the insurance passes, the policy issuing process is completed by charging the premium and printing the policy.

With the development of the Internet, new channels are brought forward for the sales of insurance products, namely, insurance companies place the insurance products on sales platforms of the insurance companies to sell, users can know and select to purchase the insurance products by themselves through online platforms, a large amount of manpower resources of the insurance companies are saved, and meanwhile, the insurance products can be better known and selected by the users.

However, because of the existence of different types of insurance products, the display interface on the client recommends the insurance products according to a random order, and the user needs to select the insurance products from a plurality of insurance products on the display interface according to actual requirements, and further, when the platform receives the insurance products selected by the user, the insurance policy is automatically generated to complete the insurance process, but the accuracy of product recommendation by displaying the insurance products according to the random order is low.

Disclosure of Invention

The application aims to provide a policy generation method, device, equipment and medium, which are used for solving at least one technical problem.

The above object of the present application is achieved by the following technical solutions:

in a first aspect, the present application provides a policy generation method, which adopts the following technical scheme:

a policy generation method comprising:

when an insurance inquiry command carrying inquiry conditions is received, determining a plurality of target insurance products from an insurance product set based on the inquiry conditions, wherein the insurance product set comprises a plurality of insurance products corresponding to a plurality of insurance companies respectively;

acquiring user information and historical application information, performing user application analysis based on the user information and the historical application information, and determining application analysis results for representing personalized features of a user;

performing insurance product analysis based on the target insurance products and the insurance analysis result, determining a display priority corresponding to each target insurance product, and sending the target insurance products according to the display priority sequence to a client, wherein the display priority is used for determining the display sequence of the target insurance products at the client;

When the user is detected to trigger an insurance application instruction for an insurance product to be applied, user application information is acquired, and policy information is generated based on the user application information and the insurance information corresponding to the insurance product to be applied.

By adopting the technical scheme, a plurality of target insurance products are determined from the insurance product set based on the query condition, wherein the insurance product set comprises a plurality of insurance products corresponding to a plurality of insurance companies respectively. And carrying out user insurance analysis based on the user information and the historical insurance information, determining insurance analysis results, further carrying out insurance product analysis based on a plurality of target insurance products and the insurance analysis results, determining the display priority corresponding to each target insurance product, and utilizing the insurance product analysis and the display priority determination to enable the target insurance products with high matching degree with the user to be preferentially displayed on a display interface of a client so as to be convenient for recommending the insurance products with high matching degree in the client from the plurality of target insurance products by combining the user information and the historical insurance information. Then, when an insurance application instruction is detected, policy information is generated based on the user application information and insurance information corresponding to the insurance product to be applied.

The present application may be further configured in a preferred example to: the user application analysis is performed based on the user information and the historical application information, and the determination of the application analysis result comprises the following steps:

extracting target features based on the user information to obtain a plurality of target features;

performing historical application analysis based on the historical application information, and determining responsibility information and a payment rule corresponding to the historical application information;

performing responsibility guarantee analysis based on the responsibility information and a guarantee responsibility set, and determining supplementary responsibility information, wherein the guarantee responsibility set is the sum of all the guarantee responsibilities corresponding to the insurance types in the query conditions, and the supplementary responsibility information is used for representing the responsibilities which are not guaranteed in the historical insurance information;

carrying out the analysis of the claim rules based on the claim rules to determine the supplementary claim rules, wherein the supplementary claim rules are used for representing the claim rules which are not guaranteed in the historical application information;

wherein the applied analysis results include: a plurality of target features, supplemental liability information, and supplemental reimbursement rules.

The present application may be further configured in a preferred example to: the step of performing the insurance product analysis based on the plurality of target insurance products and the insurance analysis result, and determining the display priority corresponding to each target insurance product includes:

Based on feature matching between each target feature and each target insurance product in the application analysis result, determining a feature matching score corresponding to each target insurance product;

based on the supplementary responsibility information in the insurance analysis result and the insurance responsibility matching of each target insurance product, determining a responsibility matching score corresponding to each target insurance product;

based on the compensation payment rule in the application analysis result and the insurance payment matching of each target insurance product, determining the payment matching score corresponding to each target insurance product;

and carrying out analysis on the insurance products based on the feature matching scores, the responsibility matching scores and the pay matching scores, and determining the display priority corresponding to each target insurance product.

The present application may be further configured in a preferred example to: before receiving the insurance inquiry command carrying the inquiry condition, the method further comprises the following steps:

acquiring user supplementary information corresponding to the user information, and performing risk analysis based on the user information and the user supplementary information to determine at least one high risk aspect;

performing security analysis based on the historical application information and the at least one high risk aspect to obtain security results of each high risk aspect;

And aiming at the aspect that the guarantee result is the target high risk of the guarantee deficiency, carrying out insurance product screening based on the user information and the target high risk aspect, and determining recommended insurance products.

The present application may be further configured in a preferred example to: the generating policy information based on the user insurance information and the insurance information corresponding to the insurance product to be insurance includes:

performing application verification based on the user application information and the application rules corresponding to the insurance products to be applied to obtain application verification results;

when the application verification result is verification passing, performing premium calculation based on the user application information and premium rules corresponding to the insurance products to be applied, determining quotation information, and sending the quotation information to a client so that a user pays through the client;

and when the payment success information is received, generating policy information based on the user insurance information, the quotation information and the insurance information.

The present application may be further configured in a preferred example to: after the application verification is performed based on the user application information and the application rule corresponding to the insurance product to be applied, the method further comprises:

Performing insurance responsibility demarcation based on the historical insurance information, and determining a charged responsibility range;

determining a responsibility range to be insured based on an insuring rule corresponding to the insurance product to be insured;

judging whether the responsibility overlapping exists between the charged responsibility range and the responsibility range to be applied, and generating warning information when the responsibility overlapping exists, wherein the warning information is used for reminding a user of repeated application, and the warning information comprises target historical application information with overlapped responsibility selected from the historical application information.

The present application may be further configured in a preferred example to: after the target insurance products according to the display priority order are sent to the client, the method further comprises:

when a product comparison instruction is acquired, acquiring insurance information corresponding to at least two comparison insurance products corresponding to the product comparison instruction;

performing multidimensional comparison based on the insurance information corresponding to each of the at least two comparison insurance products, and determining insurance comparison information, wherein the multidimensional comparison comprises: price quotation comparison, pay comparison and insurance company comparison;

performing advantage analysis based on the insurance comparison information, determining advantage information corresponding to each comparison insurance product, and generating a comparison report based on the advantage information corresponding to each comparison insurance product;

And sending the insurance comparison information and the comparison report to a client so that a user can determine the comparison condition of at least two comparison insurance products.

In a second aspect, the present application provides a policy generation apparatus, which adopts the following technical scheme:

a policy generation apparatus comprising:

the system comprises a target insurance product determining module, a target insurance product determining module and a target insurance product determining module, wherein the target insurance product determining module is used for determining a plurality of target insurance products from an insurance product set based on inquiry conditions when an insurance inquiry instruction carrying the inquiry conditions is received, and the insurance product set comprises a plurality of insurance products corresponding to a plurality of insurance companies respectively;

the application analysis module is used for acquiring user information and historical application information, carrying out user application analysis based on the user information and the historical application information, and determining application analysis results for representing personalized features of the user;

the product analysis module is used for carrying out insurance product analysis based on the target insurance products and the insurance analysis results, determining the display priority corresponding to each target insurance product, and sending the target insurance products according to the display priority sequence to the client, wherein the display priority is used for determining the display sequence of the target insurance products at the client;

The insurance policy generation module is used for acquiring user insurance information when detecting that a user triggers an insurance application instruction for an insurance product to be applied, and generating insurance policy information based on the user insurance information and the insurance information corresponding to the insurance product to be applied.

In a third aspect, the present application provides an electronic device, which adopts the following technical scheme:

at least one processor;

a memory;

at least one application program, wherein the at least one application program is stored in the memory and configured to be executed by the at least one processor, the at least one application program configured to: the policy generation method described above is executed.

In a fourth aspect, the present application provides a computer readable storage medium, which adopts the following technical scheme:

a computer-readable storage medium having stored thereon a computer program which, when executed in a computer, causes the computer to perform the policy generation method described above.

In summary, the present application includes at least one of the following beneficial technical effects:

a plurality of target insurance products are determined from an insurance product set based on the query condition, wherein the insurance product set comprises a plurality of insurance products corresponding to a plurality of insurance companies respectively. And carrying out user insurance analysis based on the user information and the historical insurance information, determining insurance analysis results, further carrying out insurance product analysis based on a plurality of target insurance products and the insurance analysis results, determining the display priority corresponding to each target insurance product, and utilizing the insurance product analysis and the display priority determination to enable the target insurance products with high matching degree with the user to be preferentially displayed on a display interface of a client so as to be convenient for recommending the insurance products with high matching degree in the client from the plurality of target insurance products by combining the user information and the historical insurance information. Then, when an insurance application instruction is detected, policy information is generated based on the user application information and insurance information corresponding to the insurance product to be applied.

And determining the feature matching score corresponding to each target insurance product based on feature matching between each target feature and each target insurance product. And further, based on the supplementary responsibility information and the insurance responsibility matching of each target insurance product, determining the responsibility matching score corresponding to each target insurance product. And then, carrying out insurance pay matching on the basis of the supplementary pay rule and each target insurance product, and determining the pay matching score corresponding to each target insurance product. And finally, carrying out insurance product analysis based on the feature matching score, the responsibility matching score and the pay matching score, and determining the corresponding display priority of each target insurance product. The display priority comprehensively determined by multi-dimensional scoring improves the matching degree of the display priority and the personalized characteristics of the user, reduces the waste of more time of the user on purchasing insurance products, and further improves the experience of the user.

Drawings

FIG. 1 is a flow chart of a policy generation method according to an embodiment of the application;

FIG. 2 is a flow chart illustrating user application analysis according to one embodiment of the present application;

FIG. 3 is a flow chart illustrating an analysis of an insurance product according to one embodiment of the present application;

FIG. 4 is a schematic diagram of a policy generation device according to an embodiment of the present application;

fig. 5 is a schematic structural diagram of an electronic device according to an embodiment of the application.

Detailed Description

The application is described in further detail below in connection with fig. 1 and 5.

The present embodiment is merely illustrative of the present application and is not intended to limit the present application, and those skilled in the art, after having read the present specification, may make modifications to the present embodiment without creative contribution as necessary, but are protected by patent laws within the scope of the present application.

For the purpose of making the objects, technical solutions and advantages of the embodiments of the present application more apparent, the technical solutions of the embodiments of the present application will be clearly and completely described below with reference to the accompanying drawings in the embodiments of the present application, and it is apparent that the described embodiments are some embodiments of the present application, but not all embodiments of the present application. All other embodiments, which can be made by those skilled in the art based on the embodiments of the application without making any inventive effort, are intended to be within the scope of the application.

In addition, the term "and/or" herein is merely an association relationship describing an association object, and means that three relationships may exist, for example, a and/or B may mean: a exists alone, A and B exist together, and B exists alone. In this context, unless otherwise specified, the term "/" generally indicates that the associated object is an "or" relationship.

Embodiments of the application are described in further detail below with reference to the drawings.

The embodiment of the application provides a policy generation method which is executed by electronic equipment, wherein the electronic equipment can be a server or terminal equipment, and the server can be an independent physical server, a server cluster or a distributed system formed by a plurality of physical servers, or a cloud server for providing cloud computing service. The terminal device may be a smart phone, a tablet computer, a notebook computer, a desktop computer, or the like, but is not limited thereto, and the terminal device and the server may be directly or indirectly connected through a wired or wireless communication manner, as shown in fig. 1, the method includes steps S101, S102, S103, and S104, where:

step S101: when an insurance inquiry command carrying inquiry conditions is received, a plurality of target insurance products are determined from an insurance product set based on the inquiry conditions, wherein the insurance product set comprises a plurality of insurance products corresponding to a plurality of insurance companies respectively.

For the embodiment of the application, a user can perform insurance inquiry according to the self requirement on the display interface of the client, namely, after the user inputs inquiry conditions by using the client, the electronic equipment receives an insurance inquiry instruction carrying the inquiry conditions, and then, a plurality of target insurance products are determined from an insurance product set based on the inquiry conditions. The query condition is used for screening the target insurance product, preferably, the query condition is an insurance category name, and of course, the query condition can also be other information, and the embodiment of the application is not limited any more.

The insurance product set comprises a plurality of insurance products corresponding to the insurance companies, so that the user is prevented from jumping among the insurance company platforms when selecting the insurance products, and the experience of purchasing by the user is improved. The determining mode of the insurance product set comprises the following steps: acquiring a plurality of insurance products corresponding to a plurality of insurance companies, and carrying out product verification based on each insurance product to determine a product verification result; and determining a product set based on the product verification result as each insurance product passing verification. Further, the product verification based on each insurance product includes: carrying out product validity verification based on each insurance product, and determining a product validity verification result, wherein the validity verification is used for verifying whether the insurance product accords with laws and regulations; carrying out company validity verification based on each insurance product, and determining a company validity verification result, wherein the company validity verification is used for verifying whether an insurance company is in a legal state; combining the product validity verification result and the company validity verification result to determine a product verification result; and/or, carrying out validity verification on each insurance product, and determining a product verification result, wherein the validity verification is used for verifying whether the insurance products are still in the on-shelf state, i.e. some insurance products are sold only in part of time periods, and after a period of time, the insurance products are not sold again in the off-shelf state.

Step S102: and acquiring user information and historical application information, performing user application analysis based on the user information and the historical application information, and determining application analysis results for representing personalized features of the user.

For the embodiment of the present application, the user information includes, but is not limited to: age, gender, occupation, annual income, family structure, and the specific content of the user information are not limited in the embodiment of the present application. The historical application information is the user's applied information, i.e., includes at least: insurance products that have been applied, secured liability ranges, rules of reimbursement that have been applied, historic application times, etc. Further, user insurance analysis is performed based on the user information and the historical insurance information to obtain insurance analysis results, wherein the insurance analysis results include, but are not limited to: the user application analysis is used for extracting personalized features of the user based on the user information and the historical application information, and further, the electronic equipment can recommend insurance products with high matching degree with the user to the user based on the personalized features of the user.

Step S103: and carrying out insurance product analysis based on the plurality of target insurance products and the insurance analysis results, determining the display priority corresponding to each target insurance product, and sending the plurality of target insurance products according to the display priority sequence to the client, wherein the display priority is used for determining the display sequence of the plurality of target insurance products on the client.

For the embodiment of the application, the insurance product analysis is performed based on a plurality of target products and the insurance analysis result, wherein the insurance product analysis is used for analyzing the matching degree of each target insurance product and the personalized characteristics of the user, determining the display priority based on the matching degree of each target insurance product, and further transmitting the plurality of target insurance products according to the display priority sequence to the client. In the embodiment of the application, on the aspect of displaying a plurality of target insurance products, the target insurance products with high matching degree with the user are preferentially displayed on the display interface of the client by utilizing the analysis and the determination of the display priority of the insurance products, so that the user can conveniently and quickly select satisfactory insurance products, the screening comparison of the user in a large number of target insurance products one by one is reduced to a certain extent, the waste of more time on the insurance product purchasing of the user is reduced, and the experience of the user is further improved.

Step S104: when the user is detected to trigger an insurance application instruction for the insurance product to be applied, the user application information is acquired, and the policy information is generated based on the user application information and the insurance information corresponding to the insurance product to be applied.

For the embodiment of the application, the user can clearly and comprehensively know the detailed content of each target insurance product on the display interface of the client, and further, after the user determines the insurance product to be insured and clicks the insuring, the electronic device can detect the insurance insuring instruction and acquire the insuring information of the user, wherein the insuring information comprises but is not limited to: identity cards, driving license, last year policy, etc. Then, based on the user insurance information and corresponding insurance information of the insurance product to be insurance applied, generating insurance policy information to complete the whole process of user insurance application, wherein the insurance information includes but is not limited to: the insurance name, the insurance type, the insurance responsibility information, the payment rule, the insurance amount, the insurance duration and the like are not limited any more for the information items specifically included in the user insurance information and the insurance information.

It can be seen that, in the embodiment of the present application, a plurality of target insurance products are determined from an insurance product set based on a query condition, where the insurance product set includes a plurality of insurance products corresponding to a plurality of insurance companies respectively; and carrying out user insurance analysis based on the user information and the historical insurance information, determining insurance analysis results, further carrying out insurance product analysis based on a plurality of target insurance products and the insurance analysis results, determining the display priority corresponding to each target insurance product, and utilizing the insurance product analysis and the display priority determination to enable the target insurance products with high matching degree with the user to be preferentially displayed on a display interface of a client so as to be convenient for recommending the insurance products with high matching degree in the client from the plurality of target insurance products by combining the user information and the historical insurance information. Then, when an insurance application instruction is detected, policy information is generated based on the user application information and insurance information corresponding to the insurance product to be applied.

Further, in an embodiment of the present application, as shown in fig. 2, performing user application analysis based on user information and historical application information, determining an application analysis result for representing a personalized feature of a user includes: step S1021 to step S1024, wherein:

step S1021: and extracting target features based on the user information to obtain a plurality of target features.

For the embodiment of the application, in order to meet the application requirements of a plurality of audience groups, a large number of insurance products are presented at present, however, each insurance product can be preset with various information such as the appropriate audience group and the audience age before being pushed out. For example, today insurance companies will offer insurance products that are suitable for young people to apply, insurance companies will offer insurance products of different amounts to apply for groups of incomes of different years, insurance companies will offer specific insurance products for specific professions. Thus, in the embodiment of the present application, the target feature extraction is performed based on the user information, so as to obtain a plurality of target features, where the target features include, but are not limited to: age interval, professional characteristics, annual income level and the like are matched with the characteristics of the target insurance products through the target characteristics, so that the insurance products with high matching degree with the personalized characteristics of the users can be determined.

Step S1022: performing historical application analysis based on the historical application information, and determining responsibility information and a claim rule corresponding to the historical application information;

step S1023: and carrying out responsibility guarantee analysis based on the responsibility information and a guarantee responsibility set, and determining supplementary responsibility information, wherein the guarantee responsibility set is the sum of all the guarantee responsibilities corresponding to the insurance types in the query conditions, and the supplementary responsibility information is used for representing the non-guaranteed responsibility range in the historical insurance information.

For the embodiment of the application, as different kinds of insurance products correspond to different guarantee responsibilities and payment rules, of course, the same kind of insurance products also have different guarantee responsibilities and different payment rules, for example, various insurance products such as accidental insurance, medical insurance, property insurance, life insurance and the like correspond to different guarantee responsibilities respectively, and different insurance products correspond to different payment rules, for example, an A insurance product can be reimbursed in more than two public hospitals, a B insurance product can be reimbursed in all public hospitals, and a C insurance product can be reimbursed in all hospitals (including public hospitals and private hospitals). Because the user does not have an in-depth knowledge of the insurance responsibility and the reimbursement rules for the insurance product, repeated applications of the same insurance responsibility often occur, and the reimbursement rules are not fully considered, so that part of the reimbursement conditions are not guaranteed, and the rights and interests of the user are damaged.

The historical application information is the applied information that is also within the guarantee period, so the responsibility information and the reimbursement rules are the responsibility ranges and reimbursement rules that the user has been guaranteed today. The guarantee responsibility set is composed of all the guarantee responsibilities corresponding to the insurance types in the query conditions, so that the responsibility information is not included, but the guarantee responsibility information in the guarantee responsibility set is determined to be the supplementary responsibility information, and the supplementary responsibility information is the part with gaps in the historical application information.

Step S1024: carrying out the analysis of the claim rule based on the claim rule, and determining a supplementary claim rule, wherein the supplementary claim rule is used for representing the claim rule which is not guaranteed in the historical application information; wherein, the application analysis result includes: a plurality of target features, supplemental liability information, and supplemental reimbursement rules.

According to the embodiment of the application, the payment rule analysis is performed based on the payment rule, and the supplementary payment rule is determined, wherein the payment rule analysis is used for analyzing whether a gap exists in the payment rule in the historical application of the user, and further, the payment rule which is not ensured in the historical application information is recorded as the supplementary payment rule. The analysis of the payment rules includes various ways, for example, the embodiment of the application does not limit any more, for example, the comprehensive payment rules corresponding to the insurance types in the query conditions are obtained, the payment rules corresponding to the historical application information are subjected to responsibility matching with the comprehensive payment rules, and when the payment rules have gaps, the non-guaranteed payment rules are recorded as the supplementary payment rules.

It can be seen that, in the embodiment of the present application, the target feature extraction is performed based on the user information to obtain a plurality of target features, the history application analysis is performed based on the history application information, and the responsibility information and the reimbursement rule corresponding to the history application information are determined, and further, the supplementary responsibility information and the supplementary reimbursement rule are determined based on the responsibility information, the guarantee responsibility set and the reimbursement rule. And carrying out user insurance analysis aiming at the user information and the historical insurance information, so that the information items included in the insurance analysis result are highly matched with the personalized characteristics of the user.

Further, in order to improve the matching degree between the display priority and the personalized features of the user, in the embodiment of the present application, as shown in fig. 3, the performing the analysis of the insurance product based on the multiple target insurance products and the analysis result of the insurance application, and determining the display priority corresponding to each target insurance product includes: step S1031 to step S1034, wherein:

step S1031: based on feature matching between each target feature in the application analysis result and each target insurance product, determining a feature matching score corresponding to each target insurance product;

step S1032: based on the supplementary responsibility information in the insurance analysis result and the insurance responsibility matching of each target insurance product, determining the responsibility matching score corresponding to each target insurance product;

Step S1033: and carrying out insurance payment matching on the basis of the supplementary payment rule in the insurance analysis result and each target insurance product, and determining the payment matching score corresponding to each target insurance product.

For the embodiment of the application, in order to meet the application requirements of a plurality of audience groups, a large number of insurance products are presented at present, however, each insurance product can be preset with various information such as the appropriate audience group and the audience age before being pushed out. Therefore, the embodiment of the application performs feature matching through the characteristics of the target features and the target insurance products, so that the insurance products with high degree of matching with the personalized features of the user can be determined, namely, the feature matching scoring relation is preset, and further, the responsibility matching scoring can be determined based on the corresponding relation between the target features and the characteristics of the target insurance products, wherein the higher the degree of matching between the target insurance products and the user is, the higher the feature matching scoring corresponding to the target products is.

And further, carrying out guarantee responsibility matching based on the supplementary responsibility information and the guarantee responsibility of each target insurance product, and determining a responsibility matching score corresponding to each target insurance product, namely, presetting a guarantee responsibility matching score relation, and further, determining a responsibility matching score based on the corresponding relation between the supplementary responsibility information and the guarantee responsibility, wherein the insurance responsibility matching is used for screening out the insurance product with high matching degree with the supplementary responsibility information of the user, and the higher the matching degree between the target insurance product and the supplementary responsibility information of the user is, the higher the responsibility matching score corresponding to the target product is. And determining a pay matching score corresponding to each target insurance product based on the pay matching of the supplementary pay rule and each target insurance product, namely, presetting an insurance pay matching score relation, and further determining the pay matching score based on the corresponding relation between the supplementary pay rule and the pay rule of the insurance product, wherein the insurance pay matching is used for screening out the insurance product with high matching degree with the supplementary pay rule of the user, and the higher the matching degree of the target insurance product and the supplementary pay rule of the user is, the higher the pay matching score corresponding to the target product is.

Step S1034: and carrying out analysis on the insurance products based on the feature matching scores, the responsibility matching scores and the pay matching scores, and determining the display priority corresponding to each target insurance product.

For the embodiment of the application, the feature matching score, the responsibility matching score and the pay matching score are used for carrying out the insurance product analysis, and the insurance product analysis is used for analyzing the matching degree of each target insurance product and the personalized features of the user, wherein the higher the matching degree of the target insurance product is, the higher the corresponding display priority is, so that the higher the display priority is arranged in the display of the client.

Specifically, there are many ways to apply product analysis, and in one possible way: setting respective corresponding minimum thresholds for the feature matching score, the liability matching score and the pay matching score; and selecting a plurality of screening insurance products with all three being higher than the lowest threshold value from all target insurance products. Performing numerical calculation based on the feature matching score, the liability matching score and the pay matching score corresponding to each screened insurance product, and determining a final score corresponding to each screened insurance product, wherein the numerical calculation includes but is not limited to: average number calculation, weight calculation, etc. And further, determining the display priority according to the final score, wherein the lowest priority is set for a plurality of target insurance products with scores lower than a lowest threshold value, and preferably, the plurality of insurance products with the lowest priority are placed at the end of the client display interface for random display or folding hiding operation.

In another implementation: and acquiring the attention degrees of the user on the feature matching, the responsibility matching and the pay matching respectively, namely, the attention degrees of the user on three dimensions, and further, carrying out main sorting on a plurality of target products based on the dimension with the highest attention degree, and carrying out fine adjustment on the other two dimensions on the premise of main sorting. For example, the user attaches importance to: the responsibility matching > the reimbursement matching > the characteristic matching, firstly sorting a plurality of target insurance products based on the responsibility matching scores to obtain a main sorting; then, based on the pay match score, adjusting the master ranking to obtain a slave ranking (e.g., the master ranking is in the order A, B, where A-responsibility match score differs less from B, but the pay match score B is much higher than A, and thus the adjustment order B, A); finally, the display priority corresponding to each target insurance product is determined by adjusting the feature matching score based on the ranking.

It can be seen that, in the embodiment of the present application, the feature matching score corresponding to each target insurance product is determined based on the feature matching between each target feature and each target insurance product. And further, based on the supplementary responsibility information and the insurance responsibility matching of each target insurance product, determining the responsibility matching score corresponding to each target insurance product. And then, carrying out insurance pay matching on the basis of the supplementary pay rule and each target insurance product, and determining the pay matching score corresponding to each target insurance product. And finally, carrying out insurance product analysis based on the feature matching score, the responsibility matching score and the pay matching score, and determining the corresponding display priority of each target insurance product. The display priority comprehensively determined by multi-dimensional scoring improves the matching degree of the display priority and the personalized characteristics of the user, avoids the user wasting more time on purchasing insurance products, and improves the experience of the user.

Further, in order to improve accuracy of recommendation and improve experience of a user, in the embodiment of the present application, before receiving an insurance query instruction carrying a query condition, the method further includes:

performing guarantee analysis based on the historical application information and at least one high risk aspect to obtain a guarantee result of each high risk aspect;

aiming at the aspect that the guarantee result is the target high risk of guarantee deficiency, carrying out insurance product screening based on the user information and the target high risk aspect, and determining recommended insurance products.

For the embodiment of the application, before the user inquires the target insurance product by using the client, the electronic equipment can automatically screen the insurance product according to the user supplementary information to determine the recommended insurance product potentially needed by the user, and then the recommended insurance product is displayed on the client.

Specifically, the user supplemental information includes, but is not limited to: the method comprises the steps of determining multiple aspects such as behavior habits, health states and the like of a user, analyzing risks based on user information and user supplementary information, and determining at least one high-risk aspect, wherein the high-risk aspect is an aspect easy to be at birth risk. For example, for a user who is working on a coach driver, then the high risk aspect is determined to be accidental injury; for older and more ill users, the high risk aspect is determined to be medical reimbursement, etc. Further, carrying out guarantee analysis based on the historical guarantee information and each high risk aspect, and determining a guarantee result of a user in each high risk aspect, wherein when the guarantee analysis is carried out, the responsibility guarantee condition in each high risk aspect is determined based on the historical guarantee information, and further, the guarantee analysis is carried out based on the corresponding guarantee responsibility information and the comprehensive responsibility information in the high risk aspect, when the guarantee responsibility information is not completely consistent with the comprehensive responsibility information, the guarantee result is determined to be a guarantee shortage, and the part lacking the guarantee responsibility information is recorded as a target high risk aspect; and when the guarantee responsibility information is completely consistent with the comprehensive responsibility information, determining that the guarantee result is comprehensive. And then, carrying out insurance product screening based on the user information and the target high risk aspect, and determining recommended insurance products, wherein the insurance product screening is used for screening the insurance products which have high matching degree with the personalized characteristics of the user and are in the target high risk aspect in the responsibility guarantee aspect from the insurance product set as recommended insurance products.

It can be seen that, in the embodiment of the present application, risk analysis is performed based on the user information and the user supplemental information, and security analysis is performed based on the history application information and at least one high risk aspect, so as to obtain a security result in each high risk aspect. And further, aiming at the aspect that the guarantee result is the target high risk of the guarantee deficiency, carrying out insurance product screening based on the user information and the target high risk aspect, and determining recommended insurance products. Because the recommended insurance product is potentially needed by the user, the recommended insurance product is displayed on the client, and the user's application rate is higher for the recommended insurance product, so that the efficiency of purchasing insurance by the user is improved to a certain extent, and the experience of the user is improved.

Further, in the embodiment of the present application, generating policy information based on user insurance information and insurance information corresponding to an insurance product to be insurance applied includes:

performing application verification based on the user application information and application rules corresponding to the to-be-applied insurance products to obtain application verification results;

when the applied insurance verification result is verification passing, performing premium calculation based on the user applied insurance information and premium rules corresponding to the insurance products to be applied, determining quotation information, and sending the quotation information to the client so that the user pays fees through the client;

For the embodiment of the application, the application rules corresponding to the insurance products to be applied are used for standardizing the user application information to meet the standard, so when the application verification is performed based on the user application information and the application rules, the application verification is used for verifying whether the user application information meets the application rules, and the application verification aspects include but are not limited to: and (3) checking whether the age accords with the standard, the occupation accords with the identity information, whether the identity information is uploaded correctly and the like, and of course, the responsibility overlapping checking can be performed for checking whether the insurance product to be applied is in responsibility overlapping with the history application information. And when the applied insurance verification result is that verification passes, premium calculation is performed based on the user applied information and premium rules corresponding to the insurance products to be applied, and quotation information is determined, wherein the quotation information is used for displaying the current applied amount for the user, and of course, the amount of each subsequent renewal can be displayed. After the user succeeds in paying the fee at the client, the electronic equipment can receive the successful information of paying the fee, and further, based on the user insurance information, the quotation information and the insurance information, the policy information is generated.

It can be seen that, in the embodiment of the application, the application verification is performed based on the user application information and the application rule corresponding to the insurance product to be applied, when the application verification result is verification passing, the premium calculation is performed based on the user application information and the premium rule corresponding to the insurance product to be applied, the quotation information is determined, and when the payment success information is received, the policy information is generated based on the user application information, the quotation information and the insurance information, so as to complete the whole application flow of the user.

Further, in the embodiment of the present application, after performing the application verification based on the user application information and the application rule corresponding to the to-be-applied insurance product, the method further includes:

performing insurance responsibility demarcation based on the historical insurance information, and determining the charged responsibility range;

determining a responsibility range to be insured based on an insuring rule corresponding to an insuring product to be insured;

judging whether responsibility overlap exists between the charged responsibility range and the responsibility range to be applied, and generating warning information when the responsibility overlap exists, wherein the warning information is used for reminding a user of repeated application, and the warning information comprises target historical application information for selecting the responsibility overlap from the historical application information.

For the embodiment of the application, when a user purchases an insurance product, the detailed responsibility range of the insurance is not clear in most cases, so that insurance products with the same insurance responsibility range are often applied. However, multiple insurance products for the same guarantee responsibility are not reimburseable, and thus, applying multiple insurance products for the same guarantee responsibility causes the user to waste a portion of money. Therefore, before the insurance policy is issued, the insurance responsibility is judged based on the history insurance information and the insurance products to be insurance, and if the responsibility is overlapped, the insurance policy is warned to remind the user that the insurance products with the same insurance responsibility are applied.

Specifically, insurance responsibility is defined based on historical insurance information, the responsibility range is determined, and the responsibility range to be insured is determined based on insurance rules corresponding to insurance products to be insured. Then, judging whether the responsibility overlapping exists between the charged responsibility range and the responsibility range to be charged, and judging whether the responsibility overlapping exists in various modes, wherein the embodiment of the application is not limited any more, for example, each item of information in the charged responsibility range and the responsibility range to be charged is matched, and when the same information item exists, the responsibility overlapping is determined; when the same information item does not exist, it is determined that there is no responsibility overlap. Further, when responsibility overlap exists, warning information is generated, wherein history application information overlapped with responsibility of the insurance product to be applied can be recorded as target history application information, and the target history application information is placed in the warning information, so that a user can know details of the responsibility overlap conveniently. According to the embodiment of the application, after the fact that the liability of the insurance product to be applied and the historical application information are overlapped and the warning is carried out is determined, the user is not constrained to be unable to carry out repeated application, whether the repeated application is carried out or not follows the selection of the user is not restricted, and the experience of the user can be improved to a certain extent.

Therefore, in the embodiment of the application, insurance responsibility is defined based on the historical insurance information, the responsibility range is determined, and the responsibility range to be insured is determined based on the insurance rules corresponding to the insurance products to be insured. When responsibility overlap exists between the charged responsibility range and the responsibility range to be charged, warning information is generated, and the warning information is used for reminding the user of repeated charging, so that the user is prevented from spending more expenses in insurance charging.

Further, in order to enable a user to clearly and clearly determine a distinguishing point between the comparison insurance products, so that the user can conveniently and quickly purchase the insurance products based on own demand conditions, in the embodiment of the present application, after sending a plurality of target insurance products according to the display priority order to the client, the method further includes:

when the product comparison instruction is acquired, acquiring the insurance information corresponding to at least two comparison insurance products corresponding to the product comparison instruction;

multidimensional comparison is carried out based on the insurance information corresponding to at least two comparison insurance products respectively, and insurance comparison information is determined, wherein the multidimensional comparison comprises: price quotation comparison, pay comparison and insurance company comparison;

and sending the insurance comparison information and the comparison report to the client so that the user can determine the comparison condition of at least two comparison insurance products.

For the embodiment of the application, after a plurality of target insurance products according to the display priority order are sent to the client so that the target insurance products are displayed on the display interface of the client according to the display priority order, the embodiment of the application provides a multidimensional comparison function of the target insurance products in order to facilitate the selection of the target insurance products by a user. Namely, at least two comparison insurance products are selected from the target insurance products, multidimensional comparison is carried out based on the selected comparison insurance products, and the comparison result is presented on a display interface of the client. By the method, the user can quickly and clearly determine the distinguishing points between the comparison insurance products based on the insurance comparison result, and the user can conveniently and quickly purchase the insurance products.

Specifically, multidimensional comparison is performed based on the insurance information corresponding to at least two comparison insurance products, and insurance comparison information is determined, wherein quotation comparison is used for comparing the insurance amount of each comparison insurance product, pay comparison is used for comparing the information such as the pay amount, pay rule and the like corresponding to each comparison insurance product when pay is performed, and insurance companies are used for comparing the information such as public praise, seniority and the like corresponding to each comparison insurance product. And further, performing advantage analysis based on the insurance comparison information, determining the advantage information corresponding to each comparison insurance product, and generating a comparison report based on the advantage information corresponding to each comparison insurance product, wherein the comparison report clearly shows the comparison condition of all comparison files in multiple dimensions, and marks the advantage information corresponding to each comparison insurance product. And then, the insurance comparison information and the comparison report are sent to the client, so that a user can clearly and clearly determine the distinguishing points between the comparison insurance products, and the user can conveniently and rapidly purchase the insurance products based on the requirement condition of the user.

Therefore, in the embodiment of the application, multidimensional comparison is carried out on the insurance information corresponding to at least two comparison insurance products corresponding to the product comparison instruction, the insurance comparison information is determined, the advantage analysis is carried out on the basis of the insurance comparison information, the comparison report is generated on the basis of the advantage information corresponding to each comparison insurance product, and the insurance comparison information and the comparison report are sent to the client, so that a user can clearly and clearly determine the distinguishing point between the comparison insurance products, and the user can conveniently and rapidly purchase the insurance products based on the requirement condition of the user.

The above embodiment describes a policy generation method from the viewpoint of a method flow, and the following embodiment describes a policy generation apparatus from the viewpoint of a virtual module or a virtual unit, specifically the following embodiment.

The embodiment of the application provides a policy generation device, as shown in fig. 4, which specifically may include:

the target insurance product determining module 210 is configured to determine, when an insurance query instruction carrying a query condition is received, a plurality of target insurance products from an insurance product set based on the query condition, where the insurance product set includes a plurality of insurance products corresponding to a plurality of insurance companies respectively;

The application analysis module 220 is configured to acquire user information and historical application information, perform user application analysis based on the user information and the historical application information, and determine an application analysis result for representing personalized features of the user;

the product analysis module 230 is configured to perform application product analysis based on the multiple target insurance products and the application analysis result, determine a display priority corresponding to each target insurance product, and send the multiple target insurance products according to the display priority order to the client, where the display priority is used to determine a display order of the multiple target insurance products at the client;

the policy generation module 240 is configured to, when detecting that the user triggers an insurance application instruction for an insurance product to be applied, obtain user application information, and generate policy information based on the user application information and the insurance information corresponding to the insurance product to be applied.

In one possible implementation manner of the embodiment of the present application, when performing user application analysis based on the user information and the historical application information, the application analysis module 220 is configured to:

extracting target features based on user information to obtain a plurality of target features;

Performing historical application analysis based on the historical application information, and determining responsibility information and a claim rule corresponding to the historical application information;

performing responsibility guarantee analysis based on responsibility information and a guarantee responsibility set, and determining supplementary responsibility information, wherein the guarantee responsibility set is the sum of all the guarantee responsibilities corresponding to the insurance types in the query conditions, and the supplementary responsibility information is used for representing the non-guaranteed responsibility range in the historical insurance information;

carrying out the analysis of the claim rule based on the claim rule, and determining a supplementary claim rule, wherein the supplementary claim rule is used for representing the claim rule which is not guaranteed in the historical application information;

wherein, the application analysis result includes: a plurality of target features, supplemental liability information, and supplemental reimbursement rules.

In one possible implementation manner of the embodiment of the present application, when performing the insurance product analysis based on the multiple target insurance products and the insurance analysis result, the product analysis module 230 is configured to:

based on feature matching between each target feature in the application analysis result and each target insurance product, determining a feature matching score corresponding to each target insurance product;

Based on the supplementary responsibility information in the insurance analysis result and the insurance responsibility matching of each target insurance product, determining the responsibility matching score corresponding to each target insurance product;

One possible implementation manner of the embodiment of the present application, the policy generation device further includes:

the insurance product screening module is used for acquiring user supplementary information corresponding to the user information, carrying out risk analysis based on the user information and the user supplementary information, and determining at least one high risk aspect;

In one possible implementation manner of the embodiment of the present application, when executing the generation of the policy information based on the user's insurance application information and the insurance information corresponding to the insurance product to be applied, the policy generation module 240 is configured to:

the responsibility overlapping warning module is used for carrying out insurance responsibility demarcation based on the history insurance information and determining the charged responsibility range;

the insurance comparison module is used for acquiring insurance information corresponding to at least two comparison insurance products corresponding to the product comparison instruction when the product comparison instruction is acquired;

It will be clearly understood by those skilled in the art that, for convenience and brevity of description, a specific working process of the policy generating device described above may refer to a corresponding process in the foregoing method embodiment, which is not described herein again.

In an embodiment of the present application, as shown in fig. 5, an electronic device 300 shown in fig. 5 includes: a processor 301 and a memory 303. Wherein the processor 301 is coupled to the memory 303, such as via a bus 302. Optionally, the electronic device 300 may also include a transceiver 304. It should be noted that, in practical applications, the transceiver 304 is not limited to one, and the structure of the electronic device 300 is not limited to the embodiment of the present application.

The processor 301 may be a CPU (Central Processing Unit ), general purpose processor, DSP (Digital Signal Processor, data signal processor), ASIC (Application Specific Integrated Circuit ), FPGA (Field Programmable Gate Array, field programmable gate array) or other programmable logic device, transistor logic device, hardware components, or any combination thereof. Which may implement or perform the various exemplary logic blocks, modules and circuits described in connection with this disclosure. Processor 301 may also be a combination that implements computing functionality, e.g., comprising one or more microprocessor combinations, a combination of a DSP and a microprocessor, etc.

Bus 302 may include a path to transfer information between the components. Bus 302 may be a PCI (Peripheral Component Interconnect, peripheral component interconnect Standard) bus or an EISA (Extended Industry Standard Architecture ) bus, or the like. Bus 302 may be divided into an address bus, a data bus, a control bus, and the like. For ease of illustration, only one thick line is shown in fig. 5, but not only one bus or type of bus.

The Memory 303 may be, but is not limited to, a ROM (Read Only Memory) or other type of static storage device that can store static information and instructions, a RAM (Random Access Memory ) or other type of dynamic storage device that can store information and instructions, an EEPROM (Electrically Erasable Programmable Read Only Memory ), a CD-ROM (Compact Disc Read Only Memory, compact disc Read Only Memory) or other optical disk storage, optical disk storage (including compact discs, laser discs, optical discs, digital versatile discs, blu-ray discs, etc.), magnetic disk storage media or other magnetic storage devices, or any other medium that can be used to carry or store desired program code in the form of instructions or data structures and that can be accessed by a computer.

The memory 303 is used for storing application program codes for executing the inventive arrangements and is controlled to be executed by the processor 301. The processor 301 is configured to execute the application code stored in the memory 303 to implement what is shown in the foregoing method embodiments.

Among them, electronic devices include, but are not limited to: mobile terminals such as mobile phones, notebook computers, digital broadcast receivers, PDAs (personal digital assistants), PADs (tablet computers), PMPs (portable multimedia players), in-vehicle terminals (e.g., in-vehicle navigation terminals), and the like, and stationary terminals such as digital TVs, desktop computers, and the like. But may also be a server or the like. The electronic device shown in fig. 5 is only an example and should not be construed as limiting the functionality and scope of use of the embodiments of the present application.

Embodiments of the present application provide a computer-readable storage medium having a computer program stored thereon, which when run on a computer, causes the computer to perform the corresponding method embodiments described above.

It should be understood that, although the steps in the flowcharts of the figures are shown in order as indicated by the arrows, these steps are not necessarily performed in order as indicated by the arrows. The steps are not strictly limited in order and may be performed in other orders, unless explicitly stated herein. Moreover, at least some of the steps in the flowcharts of the figures may include a plurality of sub-steps or stages that are not necessarily performed at the same time, but may be performed at different times, the order of their execution not necessarily being sequential, but may be performed in turn or alternately with other steps or at least a portion of the other steps or stages.

The foregoing is only a partial embodiment of the present application, and it should be noted that it will be apparent to those skilled in the art that modifications and adaptations can be made without departing from the principles of the present application, and such modifications and adaptations should and are intended to be comprehended within the scope of the present application.

Claims

1. A policy generation method, comprising:

2. The policy generation method according to claim 1, wherein the performing a user application analysis based on the user information and the history application information, determining an application analysis result, includes:

3. The policy generation method according to claim 2, wherein the performing the insurance product analysis based on the plurality of target insurance products and the insurance analysis result, determining the display priority corresponding to each target insurance product, includes:

4. The policy generation method according to claim 1, further comprising, before receiving an insurance inquiry command carrying an inquiry condition:

5. The policy generation method according to claim 1, wherein the generating policy information based on the user's insurance information and the insurance information corresponding to the insurance product to be applied includes:

6. The policy generation method according to claim 5, wherein after performing the application verification based on the user application information and the application rule corresponding to the insurance product to be applied, the method further comprises:

7. The policy generation method according to claim 1, wherein after the transmitting the plurality of target insurance products in the display priority order to the client, further comprising:

8. A policy generation apparatus, comprising:

9. An electronic device, comprising:

at least one processor;

a memory;

at least one application program, wherein the at least one application program is stored in the memory and configured to be executed by the at least one processor, the at least one application program configured to: executing the policy generation method of any one of claims 1 to 7.

10. A computer-readable storage medium, having stored thereon a computer program which, when executed in a computer, causes the computer to perform the policy generation method of any of claims 1 to 7.