WO2018166302A1 - 一种保险轨迹的展示方法和装置 - Google Patents

一种保险轨迹的展示方法和装置 Download PDF

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Publication number
WO2018166302A1
WO2018166302A1 PCT/CN2018/074862 CN2018074862W WO2018166302A1 WO 2018166302 A1 WO2018166302 A1 WO 2018166302A1 CN 2018074862 W CN2018074862 W CN 2018074862W WO 2018166302 A1 WO2018166302 A1 WO 2018166302A1
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Prior art keywords
policy information
policy
insurance
information
branches
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English (en)
French (fr)
Inventor
王海平
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Ping An Technology Shenzhen Co Ltd
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Ping An Technology Shenzhen Co Ltd
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    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/08—Insurance

Definitions

  • the present application relates to the field of financial services, and in particular, to a method and apparatus for displaying insurance trajectories.
  • the embodiment of the present application provides a method and a device for displaying an insurance trajectory, which can visually display an insurance trajectory for a user through a trunk, a branch, and a display leaf of the insurance trajectory tree, and guide the user to focus on the key insurance information on the display leaf, so that the user is focused on the key insurance information on the display leaf.
  • the display of insurance information is clear and distinct, improving the user experience.
  • a method for displaying a insurance track including:
  • the policy information is filtered according to the preset screening rule, and the display leaf is generated on the branch of the insurance track tree according to the selected key policy information, and the display leaf is used to display the key policy information.
  • the insurance trajectory is visually displayed for the user through the backbone, branches and display leaves of the insurance track tree, so that the user has a clear understanding of each insurance owned by the user and the relationship between them; and, insurance
  • the display of the key policy information on the display leaf on the trajectory tree can guide the user to focus on the key insurance information, so that the display of the insurance information is clear and distinct, and the user experience is improved.
  • FIG. 1 is a flow chart of an embodiment of a method for displaying a insurance track according to an embodiment of the present application
  • FIG. 2 is a schematic flowchart of constructing an insurance trajectory tree according to a method for displaying an insurance trajectory according to an embodiment of the present application
  • FIG. 3 is a schematic flowchart of a step 102 of using a screening rule in a method for displaying a insurance track according to an embodiment of the present application;
  • FIG. 4 is a schematic flowchart of a method for displaying a safety trajectory in a method for displaying a safety trajectory in the embodiment of the present application;
  • FIG. 5 is a schematic flowchart of step 402 when a first setting mode is adopted in an application scenario according to an embodiment of the present invention
  • FIG. 6 is a schematic flowchart of step 402 when a second setting mode is adopted in an application scenario according to an embodiment of the present invention
  • FIG. 7 is a structural diagram of a first embodiment of a display device for a safety track according to an embodiment of the present application.
  • FIG. 8 is a structural diagram of a second embodiment of a display device for a safety track according to an embodiment of the present application.
  • FIG. 9 is a structural diagram of a third embodiment of a display device for a safety track according to an embodiment of the present application.
  • FIG. 10 is a schematic diagram of an insurance track tree in an application scenario according to an embodiment of the present application.
  • the embodiment of the present application provides a method and apparatus for displaying a insurance track for solving the problem of how to visually display the insurance track to a user.
  • an embodiment of a method for displaying a insurance track in an embodiment of the present application includes:
  • the back-end system of the insurance company can obtain relevant policy information of each insurance of the target user, for example, the policy number, insurance type, purchase date, and insurance period of each policy.
  • An insurance track tree and its branches can be produced according to the relevant policy information of the target user. Specifically, as shown in FIG. 2, the target user's insurance track tree trunk and branches can be generated by the following steps:
  • the policy information may include information such as the policy number of the policy, the type of insurance, the date of purchase, the duration of the insurance, and the like, and may also include information such as the insurance amount of the policy, the current remaining claims amount, the premium paid, and the remaining unpaid premium.
  • the policy information of the target user is the basic data for constructing the insurance track tree. If the relevant policy information of the target user is queried through the back-end system of the insurance company, it indicates that the target user has purchased the insurance, and needs to display the information of the insurance purchased by the target user. Therefore, after acquiring the relevant policy information of the target user, the embodiment generates a trunk of the insurance track tree. For example, FIG. 10 shows a safety trajectory tree, and the portion of the word "safety trajectory tree" is the trunk. In this embodiment, the trunk can be generated as long as the target user purchases insurance.
  • the same type of policy information exists between these policies.
  • the policy information needs to be classified first.
  • the embodiment may also be subdivided according to different policies of the same category.
  • Category which again generates subdivided branches on the generated branches. For example, in FIG. 10, if the target user has purchased two life insurance policies, and the corresponding policies are respectively a critical illness insurance policy and a pension insurance policy. After the branch of "life insurance” is generated on the trunk "insurance track tree", the "heavy disease” branch and the “ageage” branch can continue to be generated on the generated "life insurance” branch.
  • the key policy information can be selected from all the policy information of the insurance track tree. Therefore, according to the key policy information, the display leaf is displayed on the corresponding branch of the insurance track tree to display the policy information of these priorities, so that the user can read.
  • the present embodiment can mainly adopt the following two screening rules for screening:
  • Filtering Rule 1 When the screening rule is adopted, as shown in FIG. 3, the above step 102 may include:
  • the historical operation data may include operation data such as the number of times, the duration, and the click order of the target user to obtain each policy information. It can be understood that these historical operation data imply the operation habits of the target users for each policy information, and the operation habits can largely reflect the degree of interest of the target users to the policy information. The more the policy information that the user is interested in, the higher the frequency of use or access by the user; conversely, the more the policy information that the user is not interested in, the lower the frequency of use or review.
  • the historical operation data is subjected to data mining and analysis and aggregation by the similarity algorithm, and then the recommendation policy is used to select the key policy information from each policy information according to the manipulation habit data calculated by the similarity degree.
  • the recommendation algorithm there are recommendation methods such as content-based recommendation, collaborative filtering recommendation, rule-based recommendation, etc.
  • one or more recommended meals can be selected according to needs. Screening, this embodiment does not describe it.
  • Filtering rule 2 When the screening rule 2 is adopted, as shown in FIG. 4, the above step 102 may include:
  • each branch on the insurance track tree is composed of the classified policy information, and thus each branch carries the policy information of the corresponding category.
  • each branch on the insurance track tree is detected, the policy information satisfying the preset screening condition on each branch is detected, and the policy information satisfying the condition is determined as the key point. Policy information. It can be seen that for the insurance company or the user, the information push of the display leaf on the insurance track tree has its own special requirements.
  • the insurance company hopes that when the insurance track tree is displayed, the policy information that needs to be paid will be displayed to the target user in the form of display leaf as much as possible, so as to remind the target user to pay the fee in time to reduce the insurance company's call for payment;
  • the reasonable setting of the “preset filter condition” in the rule 2 can be used to meet the personalized needs of different user groups.
  • step 402 when setting the preset screening conditions for the "renewal" reminder and the "claim” reminder, the following two setting modes can be adopted.
  • the first setting mode as shown in FIG. 5, when the first setting mode is adopted, the foregoing step 402 may include:
  • step 502 Detects whether there is renewed policy information on each branch, and if yes, perform step 502, and if not, continue to detect;
  • the renewal policy information is policy information of the first policy
  • the first policy is a policy that requires insurance renewal payment and the payment remaining period is less than a preset time threshold. It can be understood that when there is a policy in the policy of the target user that needs to be renewed for insurance, and the remaining period of the payment of the policy is less than the preset time threshold, in order to remind the target user of the “renewal”, the first The policy information of a policy is determined as the key policy information, so that when the insurance track tree is displayed, the policy information of the first policy is displayed to the user in the form of display leaves.
  • the renewal policy information is first determined as the policy information satisfying the preset screening condition, and then the renewal policy information is determined as the key policy information through the above step 403.
  • the second setting mode is as shown in FIG. 6.
  • the foregoing step 402 may include:
  • the medical claim policy information is policy information of the second policy
  • the second policy is a claimable policy that the medical information of the target user meets the claim condition agreed upon on the policy.
  • the policy information carrying the second policy may be determined as the key policy information, thereby
  • the policy information of the second policy is presented to the user in the form of an display leaf.
  • the medical information of the target user can be obtained by the system automatically docking the health care system of the hospital.
  • the user when a user visits a hospital A, the user enters relevant personal information, including an identity card number, a personal photo, a medical insurance card number, etc., on the health care system of the hospital A, and the health care system sends the personal information and related medical information.
  • the insurance company's system detects whether the corresponding user has purchased medical insurance based on the personal information, and if the user purchases medical insurance and the user's medical information meets the claim conditions stipulated on the policy, the corresponding policy It is a claimable policy, that is, a second policy.
  • the policy information of the second policy is the medical claim policy information.
  • the medical claim policy information is first determined as the policy information satisfying the preset screening condition, and then the medical claim policy information is determined as the key policy information through the above step 403.
  • first setting mode and the second setting mode may be used separately or in combination, and are not limited in this embodiment.
  • the first setting mode and the second setting mode are only two examples of preset filtering condition settings.
  • time periods, specific branches, specific user groups, and And preset screening conditions such as specific regions so that the required policy information on the insurance track tree can be determined as the key policy information, and the screening policy information is displayed as the display leaf of the insurance track tree.
  • different preset filter condition setting manners can be customized, and on the other hand, the optimal policy information can be reasonably displayed from the perspective of user experience; In addition, it is able to flexibly control special policy information, improve customer experience, and conduct effective management.
  • screening rule 1 and screening rule 2 when filtering the key policy information of an insurance track tree, the screening rule 1 or the screening rule 2 may be separately adopted, or the screening rule 1 and the screening may be simultaneously adopted. Rule 2, this embodiment is not limited.
  • the display leaf on the display user may also be displayed to the user, especially when the user has too much policy information, the display leaf may be generated by filtering the key policy information.
  • the user is guided to focus on the policy information on the display leaf, so that the display of the policy information is clear and the user experience is improved.
  • the embodiment may further determine whether the number of branches of the insurance track tree is greater than a preset threshold, and if not, display the complete insurance track tree and all points on the display device. Branches, if so, filter the branches on the insurance track tree. When displaying the insurance track tree, only the selected key branches are displayed. It can be understood that if the number of branches on the insurance track tree does not exceed a preset threshold, it can be considered that the branch of the insurance track tree is not many, and a general user can view all the branches on the insurance track tree.
  • branches when highlighting the key branches on the insurance track tree, if the user wishes to view other branches that are not displayed, the branch selection can also be performed on the insurance track tree by a mouse click operation, etc., after selection. Branches will be displayed accordingly, while other branches will be blurred or hidden directly according to the preset method.
  • the manner of highlighting the branches may include intensifying the display of "key branches” or weakening the display of "other branches", both of which can achieve the effect of highlighting the key branches.
  • the "key branching” when displayed intensively, the "focus branching" can be highlighted and emphasized by adjusting the line bolding and filling effects, and when the weakening shows “other branches",
  • the branches other than the key branches are atomized, set lower transparency, hidden, etc., and the display effect is weakened, so that these "other branches” are more difficult to attract the attention of the user than the "focus branches”. .
  • step 103 regarding displaying the insurance track tree on the display device, when the target user logs into the insurance company's system, if the user is not satisfied with the currently displayed insurance track tree style, the user can be customized, by selecting the insurance track tree.
  • Various colors such as color, shape, animation, alarm clock, etc. of each "branch” and "display leaf”; in addition, if the user is not satisfied with the existing color or animation provided by the system, they can also upload a customized picture or animation.
  • the design and modification of the insurance trajectory tree greatly enhances the plasticity of the insurance trajectory tree and enhances the user experience.
  • an insurance trajectory tree of a target user is obtained, where the insurance trajectory tree is a structural tree formed by a tree structure through related insurance policy information of each target user; and then, according to a preset screening rule Filtering the nodes on the insurance track tree to obtain a priority display node; finally, displaying the insurance track tree on the display device while highlighting the priority display node on the insurance track tree.
  • the insurance trajectory tree is used to visually display the insurance trajectory for the user, so that the user has a clear understanding of each insurance owned by the user and the relationship between them; and, the nodes selected on the insurance trajectory tree are It is highlighted that when there are many nodes, the user is guided to focus on the policy information on the priority display node, so that the display of the policy information is clear and the user experience is improved.
  • FIG. 7 is a structural diagram showing a first embodiment of a display device for a safety trajectory in the embodiment of the present application.
  • a display device for a safety track includes:
  • the tree trunking generating module 701 is configured to acquire related policy information purchased by the target user, and generate a trunk and a branch of the insurance track tree according to the policy information;
  • the leaf generating module 702 is configured to filter the policy information according to a preset screening rule, and generate a display leaf on the branch of the insurance track tree according to the selected key policy information, where the display leaf is used for The key policy information is displayed.
  • FIG. 8 is a structural diagram showing a second embodiment of a display device for a safety track in the embodiment of the present application.
  • the display device of the insurance track may further include:
  • the branch number determining module 703 is configured to determine whether the number of branches of the insurance track tree is greater than a preset threshold
  • the complete display module 704 is configured to display the complete insurance track tree and all branches on the display device if the determination result of the branch number determining module 703 is negative;
  • the triggering module 705 is configured to trigger the leaf generating module 702 if the determination result of the branch number determining module 703 is YES.
  • leaf generation module 702 can include:
  • the historical operation data obtaining unit 7021 is configured to acquire historical operation data of the policy information by the target user;
  • the similarity calculation unit 7022 is configured to perform similarity calculation on the historical operation data to obtain operation habit data of the target user.
  • the recommendation screening unit 7023 is configured to filter out the key policy information from the policy information according to the operation habit data by using a recommendation algorithm.
  • leaf generation module 702 can include:
  • the branch information obtaining unit 7024 is configured to acquire policy information on each branch on the insurance track tree.
  • the branch information detecting unit 7025 is configured to detect whether there is policy information on the respective branches that meets a preset screening condition
  • the key information determining unit 7026 is configured to determine the policy information that meets the preset screening condition on the branch as the key policy information if the policy information that meets the preset screening condition exists on each of the branches.
  • branch information detecting unit 7025 may include:
  • the first detecting sub-unit 251 is configured to detect whether there is renewed policy information on the respective branches, where the renewed policy information is policy information of the first policy, and the first policy is that the insurance renewal payment is required a policy in which the remaining period of payment is less than the preset time threshold;
  • the first determining sub-unit 252 is configured to: if the detection result of the first detecting sub-unit 251 is yes, determine that the renewal policy information is policy information that meets a preset screening condition; and/or
  • a second detecting sub-unit 253 configured to detect whether there is medical claim policy information on the respective branches, the medical claim policy information is policy information of the second policy, and the second policy is medical information of the target user A solvable policy that satisfies the conditions of the claims as agreed on the policy;
  • the second determining sub-unit 254 is configured to determine, if the detection result of the second detecting sub-unit 253 is YES, the medical claim policy information as policy information that meets a preset screening condition.
  • FIG. 9 is a structural diagram showing a third embodiment of a display device for a safety track in the embodiment of the present application.
  • the branch dry generation module 701 may further include:
  • a backbone generating unit 7011 configured to acquire policy information of each policy of the target user, and if there is policy information, generate a trunk of the insurance track tree;
  • the branch generating unit 7012 is configured to perform classification processing on the obtained policy information according to a preset classification rule, and generate corresponding branches on the trunk of the insurance track tree according to the classification of the policy.

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Abstract

本申请实施例公开了一种保险轨迹的展示方法，用于解决如何向用户直观展示保险轨迹的问题。本申请实施例方法包括：获取目标用户所购买的相关保单信息，并根据所述保单信息生成一保险轨迹树的主干和分枝；按照预设的筛选规则对所述保单信息进行筛选，并根据所筛选出的重点保单信息在所述保险轨迹树的分枝上生成展示叶，所述展示叶用于显示所述重点保单信息。本申请实施例还提供一种保险轨迹的展示装置。

Description

一种保险轨迹的展示方法和装置
本申请申明享有2017年3月14日递交的申请号为201710149772.5、名称为“一种保险轨迹的展示方法和装置”中国专利申请的优先权，该中国专利申请的整体内容以参考的方式结合在本申请中。
技术领域
本申请涉及金融服务领域，尤其涉及一种保险轨迹的展示方法和装置。
 背景技术
在我国，通过购买保险来应对各种风险的用户越来越多，保险业务已经成为国内每一个家庭都需要重视和考量的必备产品之一。
由于不同的险种往往针对性应对不同类型的风险，比如车险、寿险、重疾险等，因此，一个用户往往会购买多个保险以提升自身应对各种类型风险的能力。而一个保险往往附加有多个附加险，再加上每个保险的生命历程各不相同，有5年、10年、20年甚至终身的保险期，以及各个保险的生命历程在不断变化。为此，当一个用户购买了多个保险之后，用户往往难以对自身拥有的各个保险以及它们之间的关系有一个清楚的认知。
为此，寻找一种可以向用户直观展示保险轨迹，使得用户对自身拥有的各个保险以及它们之间的关系有一个清楚的认知的展示方法成为本领域技术人员亟需解决的问题。
 技术问题
本申请实施例提供了一种保险轨迹的展示方法和装置，能够通过保险轨迹树的主干、分枝和展示叶为用户直观展示保险轨迹，并且引导用户重点查阅展示叶上的重点保险信息，使得保险信息的展示主次分明，提升用户体验。
 技术解决方案
第一方面，提供了一种保险轨迹的展示方法，包括：
获取目标用户所购买的相关保单信息，并根据所述保单信息生成一保险轨迹树的主干和分枝；
按照预设的筛选规则对所述保单信息进行筛选，并根据所筛选出的重点保单信息在所述保险轨迹树的分枝上生成展示叶，所述展示叶用于显示所述重点保单信息。
 有益效果
本申请实施例中，首先，获取目标用户所购买的相关保单信息，并根据所述保单信息生成一保险轨迹树的主干和分枝；然后，按照预设的筛选规则对所述保单信息进行筛选，并根据所筛选出的重点保单信息在所述保险轨迹树的分枝上生成展示叶，所述展示叶用于显示所述重点保单信息。在本申请实施例中，通过保险轨迹树的主干、分枝和展示叶为用户直观展示保险轨迹，使得用户对自身拥有的各个保险以及它们之间的关系有一个清楚的认知；并且，保险轨迹树上的展示叶上显示筛选出的重点保单信息，可以引导用户重点查阅重点保险信息，使得保险信息的展示主次分明，提升用户体验。
 附图说明
图1为本申请实施例中一种保险轨迹的展示方法一个实施例流程图；
图2为本申请实施例中一种保险轨迹的展示方法构建保险轨迹树的流程示意图；
图3为本申请实施例中一种保险轨迹的展示方法采用筛选规则一时步骤102的流程示意图；
图4为本申请实施例中一种保险轨迹的展示方法采用筛选规则二时步骤102的流程示意图；
图5为本申请实施例中一种保险轨迹的展示方法在一个应用场景下采用第一种设置方式时步骤402的流程示意图；
图6为本申请实施例中一种保险轨迹的展示方法在一个应用场景下采用第二种设置方式时步骤402的流程示意图；
图7为本申请实施例中一种保险轨迹的展示装置第一个实施例结构图；
图8为本申请实施例中一种保险轨迹的展示装置第二个实施例结构图；
图9为本申请实施例中一种保险轨迹的展示装置第三个实施例结构图；
图10为本申请实施例中保险轨迹树在一个应用场景下的示意图。
 本发明的实施方式
本申请实施例提供了一种保险轨迹的展示方法和装置，用于解决如何向用户直观展示保险轨迹的问题。
请参阅图1，本申请实施例中一种保险轨迹的展示方法一个实施例包括：
101、获取目标用户所购买的相关保单信息，并根据所述相关保单信息生成一保险轨迹树主干和分枝；
本实施例中，通过保险公司的后台系统可以获取目标用户各个保险的相关保单信息，例如各个保单的保单号、险种、购买日期、保险期限等信息。根据该目标用户的相关保单信息可以生产一保险轨迹树及其分枝。具体地：，如图2所示，所述目标用户的保险轨迹树主干及分枝可以通过以下步骤生成：
201、获取所述目标用户的各个保单的保单信息，若存在保单信息则生成保险轨迹树的主干；
一般地，保单信息可以包括保单的保单号、险种、购买日期、保险期限等信息，还可以包括保单的保险额度、当前剩余理赔额度、已缴保费、剩余未缴保费等信息。在本实施例中，目标用户的保单信息是构建保险轨迹树的基础数据。若通过保险公司的后台系统查询到了目标用户的相关保单信息，则说明该目标用户购买过保险，需要向该目标用户展示其所购买保险的信息。故，本实施例在获取到所述目标用户的相关保单信息后，对应生成一保险轨迹树的主干。例如，图10示出了一保险轨迹树，“保险轨迹树”字样所在的部分即为所述主干。本实施例只要目标用户购买过保险，即可生成所述主干。
202、按照预设的分类规则对获取到的所述保单信息进行分类处理，并根据所述保单的分类在所述保险轨迹树的主干上生成对应的分枝。
通常，由于一个目标用户可能同时拥有多个保单，这些保单之间会存在同类型的保单信息。为了使生成的保险轨迹树能够在展示时以可读性更好的方式展示用户所购买过的保险的信息，首先需要对这些保单信息进行分类处理。
需要注意的是，由于同一类别下的保险还可能包括不同的细分类别，因此，本实施例在生成所述保险轨迹树主干的分枝后，还可以根据同类别下的保单的不同细分类别，在已生成的分枝上再次生成细分的分枝。例如，在图10中，若所述目标用户购买过两份人寿险保单，且对应的保单分别为重疾险保单和养老险保单。则在主干“保险轨迹树”上生成“人寿险”的分枝后，还可以在所生成的“人寿险”分枝上继续生成“重疾”分枝和“养老”分枝。
102、按照预设的筛选规则对所述保单信息进行筛选，并根据所筛选出的重点保单信息在所述保险轨迹树的分枝上生成展示叶，所述展示叶用于显示所述重点保单信息。
本实施例中，为了保险轨迹树在展示保单信息时主次和层次更加分明，提升保单信息的可读性，可以从保险轨迹树的所有保单信息中筛选出重点保单信息。从而根据这些重点保单信息在保险轨迹树的对应分枝上生成展示叶来展示这些重点的保单信息，以便于用户阅读。
进一步地，在重点保单信息筛选方面，本实施例主要可以采用以下两种筛选规则进行筛选：
筛选规则一：采用筛选规则一时，如图3所示，上述步骤102可以包括：
301、获取所述目标用户对所述保单信息的历史操作数据；
302、对所述历史操作数据进行相似度计算，得到所述目标用户的操作习惯数据；
303、采用推荐算法根据所述操作习惯数据从所述保单信息中筛选出重点保单信息。
对于上述步骤301，该历史操作数据可以包括目标用户获取各个保单信息的次数、时长、点击顺序等操作数据。可以理解的是，这些历史操作数据中隐含了目标用户对各个保单信息的的操作习惯，而操作习惯可以从很大程度上反映目标用户对这些保单信息的感兴趣程度。越是用户感兴趣的保单信息，用户的使用或者查阅的频率越高；反之，越是用户不感兴趣的保单信息，其使用或者查阅的频率则越低。
对于上述步骤302和303，通过相似度算法对这些历史操作数据进行数据挖掘和分析汇总，然后采用推荐算法根据相似度计算得到的操纵习惯数据从各个保单信息中筛选出重点保单信息。可以理解的是，在推荐算法方面，有基于内容的推荐、协同过滤推荐、基于规则的推荐等推荐方式，在实际使用过程中，可以根据需要选取其中的一种或多种推荐算饭进行推荐筛选，本实施例不作赘述。
筛选规则二：采用筛选规则二时，如图4所示，上述步骤102可以包括：
401、获取所述保险轨迹树上各个分枝上的保单信息；
402、检测所述各个分枝上是否存在满足预设筛选条件的保单信息，若是，则执行步骤403，若否，则继续检测；
403、将所述分枝上满足预设筛选条件的保单信息确定为重点保单信息。
对于上述步骤401，可以理解的是，该保险轨迹树上的每个分枝均由分类完成的保单信息组成，因此各个分枝上承载有对应分类的保单信息。
对于上述步骤402和403，在筛选规则二中，对保险轨迹树上各个分枝进行检测，检测出各个分枝上满足预设筛选条件的保单信息，并将这些满足条件的保单信息确定为重点保单信息。可知，对于保险公司或者用户来说，对保险轨迹树上展示叶的信息推送均具有各自的特殊要求。例如，保险公司希望在展示保险轨迹树时，尽可能地将需要缴费的保单信息以展示叶的形式展示给目标用户，从而起到提醒目标用户及时缴费，达到减轻保险公司催缴成本的目的；而对于用户来说，其可能希望在展示保险轨迹树时，尽可能地将可申请理赔的保单信息以展示叶的形式展示给自己，从而避免用户自己错过申请理赔的有效期。可见，本实施例可以通过筛选规则二中“预设筛选条件”的合理设置来满足不同用户群体的个性化需求。
对于上述步骤402，在针对“续期”提醒和“理赔”提醒两个方面进行预设筛选条件的设置时，可以采用以下两种设置方式。
第一种设置方式：如图5所示，采用第一种设置方式时，上述步骤402可以包括：
501、检测所述各个分枝上是否存在续期保单信息，若是，则执行步骤502，若否，则继续检测；
502、确定所述续期保单信息为满足预设筛选条件的保单信息。
对于上述步骤501，所述续期保单信息为第一保单的保单信息，所述第一保单为需要进行保险续期缴费且缴费剩余期限小于预设时间阈值的保单。可以理解的是，当目标用户的保单中存在需要进行保险续期缴费的保单，且该保单的缴费剩余期限小于预设时间阈值时，为了对目标用户进行“续期”提醒，可以将该第一保单的保单信息确定为重点保单信息，从而在显示保险轨迹树时，将该第一保单的保单信息以展示叶的形式展示给用户。
对于上述步骤502，首先将该续期保单信息确定为满足预设筛选条件的保单信息，然后通过上述步骤403将该续期保单信息确定为重点保单信息。
第二种设置方式：如图6所示，采用第二种设置方式时，上述步骤402可以包括：
601、检测所述各个分枝上是否存在医疗理赔保单信息，若是，则执行步骤602，若否，则继续检测；
602、确定所述医疗理赔保单信息为满足预设筛选条件的保单信息。
对于上述步骤601，所述医疗理赔保单信息为第二保单的保单信息，所述第二保单为所述目标用户的医疗信息满足保单上约定的理赔条件的可理赔保单。可以理解的是，当目标用户的保单中存在可以申请医疗理赔的保单时，为了达到对目标用户进行“理赔”提醒的效果，可以将承载该第二保单的保单信息确定为重点保单信息，从而在显示保险轨迹树时，将该第二保单的保单信息以展示叶的形式展示给用户。其中，目标用户的医疗信息可以由系统自动对接医院的卫生医疗系统来获取到。例如，当用户在医院A看病时，用户在医院A的卫生医疗系统上录入相关个人信息，包括身份证号码、个人照片、医保卡号码等，卫生医疗系统将这些个人信息和相关的医疗信息发送至保险公司的系统；保险公司的系统根据这些个人信息检测对应的用户是否购买了医疗保险，若该用户购买了医疗保险且该用户的医疗信息满足保单上约定的理赔条件时，则对应的保单为可理赔保单，也即第二保单。从而，第二保单的保单信息均为所述医疗理赔保单信息。
对于上述步骤602，首先将该医疗理赔保单信息确定为满足预设筛选条件的保单信息，然后通过上述步骤403将该医疗理赔保单信息确定为重点保单信息。
需要说明的是，上述第一种设置方式和第二种设置方式可以分别单独采用，也可以同时采用，本实施例不作限定。
本实施例中，上述的第一种设置方式和第二种设置方式只是预设筛选条件设置的两个举例，在实际应用过程中，还可以设定时间段、特定分枝、特定用户群体、以及特定地区等预设筛选条件，从而使得保险轨迹树上的符合要求的保单信息可以被确定为重点保单信息，达到筛选保单信息作为保险轨迹树的展示叶。可以理解的是，根据不同保险公司或不同目标用户的需求，可以个性化定制不同的预设筛选条件的设置方式，一方面能够从用户体验的角度来合理的展示最优的保单信息；另一方面又能够灵活的控制特殊保单信息，提升了客户体验的同时，进行了有效的管理。
另外，需要说明的是，对于上述筛选规则一和筛选规则二，在对一个保险轨迹树进行重点保单信息筛选时，可以分别采用筛选规则一或筛选规则二，也可以同时采用筛选规则一和筛选规则二，对此本实施例不作限定。
103、在显示设备上显示所述保险轨迹树。
本实施例中，在显示设备上显示该目标用户的保险轨迹树的同时，其上的展示叶也可以展示给用户，尤其是在用户的保单信息过多时，可以通过筛选重点保单信息生成展示叶，以展示叶的形式引导用户重点查阅展示叶上的保单信息，使得保单信息的展示主次分明，提升用户体验。
为此，进一步地，本实施例还可以先判断所述保险轨迹树的分枝数目是否大于预设阈值，若否，则在所述显示设备上显示完整的所述保险轨迹树以及所有的分枝，若是，对保险轨迹树上的分枝进行筛选，在显示保险轨迹树时，仅显示筛选出的重点分枝。可以理解的是，若保险轨迹树上的分枝数目没有超过预设阈值，可以认为该保险轨迹树的分枝并不多，一般的用户可以对该保险轨迹树上的全部分枝进行查阅而不显杂乱，从而无需筛选出重点分枝，直接显示完整的保险轨迹树和所有分枝；反之，则可以认为该保险轨迹树上的分枝过多，对于一般用户来说，若显示完整的保险轨迹树和所有分枝，反而阻碍用户对各个分枝的查阅，因此需要从保险轨迹树上筛选出重点分枝进行突出展示。
可以理解的是，在突出显示保险轨迹树上的重点分枝时，若用户希望查阅其它未显示的分枝，也可以通过鼠标点击等操作在保险轨迹树上进行分枝的选择，选择后的分枝会得到相应的显示，而其它分枝则根据预设的方式进行模糊显示或者直接隐藏。
在本实施例中，突出显示分枝的方式可以包括强化显示“重点分枝”或者弱化显示“其它分枝”，两种方式均能做到突出显示重点分枝的效果。例如，强化显示“重点分枝”时，可以对“重点分枝”通过调整线条加粗、填充效果等手段来进行显示效果上的突出和强调；而弱化显示“其它分枝”时，则可以将重点分枝以外的分枝采用雾化、设置较低的透明度、隐藏等手段进行显示效果上的弱化，从而使得这些“其它分枝”相对于“重点分枝”更加地难以引起用户的注意。
对于上述步骤103，关于在显示设备上显示保险轨迹树，在目标用户登录进入保险公司的系统时，若用户对当前显示的保险轨迹树样式不满意，可以进行个性化定制，通过选择保险轨迹树上各个“分枝”和“展示叶”的颜色、形状、动画、闹钟等各种样式；另外，若用户对系统提供的现有颜色或动画不满意，也可以自行上传自定义的图片或动画来对保险轨迹树进行样式的设计和修改，极大地增强了保险轨迹树的样式的可塑性，提升用户的使用体验。
本实施例中，首先，获取目标用户的保险轨迹树，所述保险轨迹树为通过所述目标用户的各个保险的相关保单信息以树状结构形成的结构树；然后，按照预设的筛选规则对所述保险轨迹树上的节点进行筛选，得到优先展示节点；最后，在显示设备上显示所述保险轨迹树，同时突出显示所述保险轨迹树上的所述优先展示节点。在本实施例中，通过保险轨迹树为用户直观展示保险轨迹，使得用户对自身拥有的各个保险以及它们之间的关系有一个清楚的认知；并且，对保险轨迹树上筛选出的节点进行突出显示，在节点繁多时，引导用户重点查阅优先展示节点上的保单信息，使得保单信息的展示主次分明，提升用户体验。
图7示出了本申请实施例中一种保险轨迹的展示装置第一个实施例结构图。
如图7所示，一种保险轨迹的展示装置，包括：
树枝干生成模块701，用于获取目标用户所购买的相关保单信息，并根据所述保单信息生成一保险轨迹树的主干和分枝；
树叶生成模块702，用于按照预设的筛选规则对所述保单信息进行筛选，并根据所筛选出的重点保单信息在所述保险轨迹树的分枝上生成展示叶，所述展示叶用于显示所述重点保单信息。
图8示出了本申请实施例中一种保险轨迹的展示装置第二个实施例结构图。
如图8所示，进一步地，所述保险轨迹的展示装置还可以包括：
分枝数目判断模块703，用于判断所述保险轨迹树的分枝数目是否大于预设阈值；
完整显示模块704，用于若所述分枝数目判断模块703的判断结果为否，在所述显示设备上显示完整的所述保险轨迹树以及所有的分枝；
触发模块705，用于若所述分枝数目判断模块703的判断结果为是，则触发所述树叶生成模块702。
进一步地，所述树叶生成模块702可以包括：
历史操作数据获取单元7021，用于获取所述目标用户对所述保单信息的历史操作数据；
相似度计算单元7022，用于对所述历史操作数据进行相似度计算，得到所述目标用户的操作习惯数据；
推荐筛选单元7023，用于采用推荐算法根据所述操作习惯数据从所述保单信息中筛选出重点保单信息。
进一步地，所述树叶生成模块702可以包括：
分枝信息获取单元7024，用于获取所述保险轨迹树上各个分枝上的保单信息；
分枝信息检测单元7025，用于检测所述各个分枝上是否存在满足预设筛选条件的保单信息；
重点信息确定单元7026，用于若所述各个分枝上存在满足预设筛选条件的保单信息，则将所述分枝上满足预设筛选条件的保单信息确定为重点保单信息。
进一步地，所述分枝信息检测单元7025可以包括：
第一检测子单元251，用于检测所述各个分枝上是否存在续期保单信息，所述续期保单信息为第一保单的保单信息，所述第一保单为需要进行保险续期缴费且缴费剩余期限小于预设时间阈值的保单；
第一确定子单元252，用于若所述第一检测子单元251的检测结果为是，则确定所述续期保单信息为满足预设筛选条件的保单信息；和/或
第二检测子单元253，用于检测所述各个分枝上是否存在医疗理赔保单信息，所述医疗理赔保单信息为第二保单的保单信息，所述第二保单为所述目标用户的医疗信息满足保单上约定的理赔条件的可理赔保单；
第二确定子单元254，用于若所述第二检测子单元253的检测结果为是，则确定所述医疗理赔保单信息为满足预设筛选条件的保单信息。
图9示出了本申请实施例中一种保险轨迹的展示装置第三个实施例结构图。
如图9所示，进一步地，所述树枝干生成模块701可以包括：
主干生成单元7011，用于获取所述目标用户的各个保单的保单信息，若存在保单信息则生成所述保险轨迹树的主干；
分枝生成单元7012，用于按照预设的分类规则对获取到的所述保单信息进行分类处理，并根据所述保单的分类在所述保险轨迹树的主干上生成对应的分枝。
以上所述，以上实施例仅用以说明本申请的技术方案，而非对其限制；尽管参照前述实施例对本申请进行了详细的说明，本领域的普通技术人员应当理解：其依然可以对前述各实施例所记载的技术方案进行修改，或者对其中部分技术特征进行等同替换；而这些修改或者替换，并不使相应技术方案的本质脱离本申请各实施例技术方案的精神和范围。

Claims (20)

  1. 一种保险轨迹的展示方法，其特征在于，包括：
    获取目标用户所购买的相关保单信息，并根据所述保单信息生成一保险轨迹树的主干和分枝；
    按照预设的筛选规则对所述保单信息进行筛选，并根据所筛选出的重点保单信息在所述保险轨迹树的分枝上生成展示叶，所述展示叶用于显示所述重点保单信息。
  2. 根据权利要求1所述的保险轨迹的展示方法，其特征在于，在按照预设的筛选规则对所述保单信息进行筛选之前，还包括：
    判断所述保险轨迹树的分枝数目是否大于预设阈值；
    若所述保险轨迹树的分枝数目小于或等于预设阈值，在所述显示设备上显示完整的所述保险轨迹树以及所有的分枝；
    若所述保险轨迹树的分枝数目大于预设阈值，则执行按照预设的筛选规则对所述保单信息进行筛选的步骤。
  3. 根据权利要求1所述的保险轨迹的展示方法，其特征在于，所述按照预设的筛选规则对所述保单信息进行筛选包括：
    获取所述目标用户对所述保单信息的历史操作数据；
    对所述历史操作数据进行相似度计算，得到所述目标用户的操作习惯数据；
    采用推荐算法根据所述操作习惯数据从所述保单信息中筛选出重点保单信息。
  4. 根据权利要求1所述的保险轨迹的展示方法，其特征在于，所述按照预设的筛选规则对所述保单信息进行筛选包括：
    获取所述保险轨迹树上各个分枝上的保单信息；
    检测所述各个分枝上是否存在满足预设筛选条件的保单信息；
    若所述各个分枝上存在满足预设筛选条件的保单信息，则将所述分枝上满足预设筛选条件的保单信息确定为重点保单信息。
  5. 根据权利要求4所述的保险轨迹的展示方法，其特征在于，所述检测所述各个分枝上是否存在满足预设筛选条件的保单信息包括：
    检测所述各个分枝上是否存在续期保单信息，所述续期保单信息为第一保单的保单信息，所述第一保单为需要进行保险续期缴费且缴费剩余期限小于预设时间阈值的保单；
    若存在所述续期保单信息，则确定所述续期保单信息为满足预设筛选条件的保单信息；和/或
    检测所述各个分枝上是否存在医疗理赔保单信息，所述医疗理赔保单信息为第二保单的保单信息，所述第二保单为所述目标用户的医疗信息满足保单上约定的理赔条件的可理赔保单；
    若存在所述医疗理赔保单信息，则确定所述医疗理赔保单信息为满足预设筛选条件的保单信息。
  6. 根据权利要求1至5中任一项所述的保险轨迹的展示方法，其特征在于，所述获取目标用户所购买的相关保单信息，并根据所述保单信息生成一保险轨迹树的主干和分枝包括：
    获取所述目标用户的各个保单的保单信息，若存在保单信息则生成所述保险轨迹树的主干；
    按照预设的分类规则对获取到的所述保单信息进行分类处理，并根据所述保单的分类在所述保险轨迹树的主干上生成对应的分枝。
  7. 一种保险轨迹的展示装置，其特征在于，包括：
    树枝干生成模块，用于获取目标用户所购买的相关保单信息，并根据所述保单信息生成一保险轨迹树的主干和分枝；
    树叶生成模块，用于按照预设的筛选规则对所述保单信息进行筛选，并根据所筛选出的重点保单信息在所述保险轨迹树的分枝上生成展示叶，所述展示叶用于显示所述重点保单信息。
  8. 根据权利要求7所述的保险轨迹的展示装置，其特征在于，所述树叶生成模块包括：
    历史操作数据获取单元，用于获取所述目标用户对所述保单信息的历史操作数据；
    相似度计算单元，用于对所述历史操作数据进行相似度计算，得到所述目标用户的操作习惯数据；
    推荐筛选单元，用于采用推荐算法根据所述操作习惯数据从所述保单信息中筛选出重点保单信息。
  9. 根据权利要求7所述的保险轨迹的展示装置，其特征在于，所述树叶生成模块包括：
    分枝信息获取单元，用于获取所述保险轨迹树上各个分枝上的保单信息；
    分枝信息检测单元，用于检测所述各个分枝上是否存在满足预设筛选条件的保单信息；
    重点信息确定单元，用于若所述各个分枝上存在满足预设筛选条件的保单信息，则将所述分枝上满足预设筛选条件的保单信息确定为重点保单信息。
  10. 根据权利要求9所述的保险轨迹的展示装置，其特征在于，所述分枝信息检测单元包括：
    第一检测子单元，用于检测所述各个分枝上是否存在续期保单信息，所述续期保单信息为第一保单的保单信息，所述第一保单为需要进行保险续期缴费且缴费剩余期限小于预设时间阈值的保单；
    第一确定子单元，用于若所述第一检测子单元的检测结果为是，则确定所述续期保单信息为满足预设筛选条件的保单信息；和/或
    第二检测子单元，用于检测所述各个分枝上是否存在医疗理赔保单信息，所述医疗理赔保单信息为第二保单的保单信息，所述第二保单为所述目标用户的医疗信息满足保单上约定的理赔条件的可理赔保单；
    第二确定子单元，用于若所述第二检测子单元的检测结果为是，则确定所述医疗理赔保单信息为满足预设筛选条件的保单信息。
  11. 一种终端设备，其特征在于，所述终端设备包括存储器、处理器以及存储在所述存储器中并可在所述处理器上运行的计算机可读指令，所述处理器执行所述计算机可读指令时实现如下步骤：
    获取目标用户所购买的相关保单信息，并根据所述保单信息生成一保险轨迹树的主干和分枝；
    按照预设的筛选规则对所述保单信息进行筛选，并根据所筛选出的重点保单信息在所述保险轨迹树的分枝上生成展示叶，所述展示叶用于显示所述重点保单信息。
  12. 根据权利要求11所述的终端设备，其特征在于，其特征在于，在按照预设的筛选规则对所述保单信息进行筛选之前，所述处理器执行所述计算机可读指令时还实现如下步骤：
    判断所述保险轨迹树的分枝数目是否大于预设阈值；
    若所述保险轨迹树的分枝数目小于或等于预设阈值，在所述显示设备上显示完整的所述保险轨迹树以及所有的分枝；
    若所述保险轨迹树的分枝数目大于预设阈值，则执行按照预设的筛选规则对所述保单信息进行筛选的步骤。
  13. 根据权利要求11所述的服务器，其特征在于，其特征在于，所述按照预设的筛选规则对所述保单信息进行筛选包括：
    获取所述目标用户对所述保单信息的历史操作数据；
    对所述历史操作数据进行相似度计算，得到所述目标用户的操作习惯数据；
    采用推荐算法根据所述操作习惯数据从所述保单信息中筛选出重点保单信息。
  14. 根据权利要求11所述的终端设备，其特征在于，所述按照预设的筛选规则对所述保单信息进行筛选包括：
    获取所述保险轨迹树上各个分枝上的保单信息；
    检测所述各个分枝上是否存在满足预设筛选条件的保单信息；
    若所述各个分枝上存在满足预设筛选条件的保单信息，则将所述分枝上满足预设筛选条件的保单信息确定为重点保单信息。
  15. 根据权利要求14所述的终端设备，其特征在于，所述检测所述各个分枝上是否存在满足预设筛选条件的保单信息包括：
    检测所述各个分枝上是否存在续期保单信息，所述续期保单信息为第一保单的保单信息，所述第一保单为需要进行保险续期缴费且缴费剩余期限小于预设时间阈值的保单；
    若存在所述续期保单信息，则确定所述续期保单信息为满足预设筛选条件的保单信息；和/或
    检测所述各个分枝上是否存在医疗理赔保单信息，所述医疗理赔保单信息为第二保单的保单信息，所述第二保单为所述目标用户的医疗信息满足保单上约定的理赔条件的可理赔保单；
    若存在所述医疗理赔保单信息，则确定所述医疗理赔保单信息为满足预设筛选条件的保单信息。
  16. 一种计算机可读存储介质，所述计算机可读存储介质存储有计算机可读指令，其特征在于，所述计算机可读指令被处理器执行时实现如下步骤：
    获取目标用户所购买的相关保单信息，并根据所述保单信息生成一保险轨迹树的主干和分枝；
    按照预设的筛选规则对所述保单信息进行筛选，并根据所筛选出的重点保单信息在所述保险轨迹树的分枝上生成展示叶，所述展示叶用于显示所述重点保单信息。
  17. 根据权利要求16所述的计算机可读存储介质，其特征在于，在按照预设的筛选规则对所述保单信息进行筛选之前，还包括：
    判断所述保险轨迹树的分枝数目是否大于预设阈值；
    若所述保险轨迹树的分枝数目小于或等于预设阈值，在所述显示设备上显示完整的所述保险轨迹树以及所有的分枝；
    若所述保险轨迹树的分枝数目大于预设阈值，则执行按照预设的筛选规则对所述保单信息进行筛选的步骤。
  18. 根据权利要求16所述的计算机可读存储介质，其特征在于，所述按照预设的筛选规则对所述保单信息进行筛选包括：
    获取所述目标用户对所述保单信息的历史操作数据；
    对所述历史操作数据进行相似度计算，得到所述目标用户的操作习惯数据；
    采用推荐算法根据所述操作习惯数据从所述保单信息中筛选出重点保单信息。
  19. 根据权利要求16所述的计算机可读存储介质，其特征在于，所述按照预设的筛选规则对所述保单信息进行筛选包括：
    获取所述保险轨迹树上各个分枝上的保单信息；
    检测所述各个分枝上是否存在满足预设筛选条件的保单信息；
    若所述各个分枝上存在满足预设筛选条件的保单信息，则将所述分枝上满足预设筛选条件的保单信息确定为重点保单信息。
  20. 根据权利要求19所述的计算机可读存储介质，其特征在于，所述检测所述各个分枝上是否存在满足预设筛选条件的保单信息包括：
    检测所述各个分枝上是否存在续期保单信息，所述续期保单信息为第一保单的保单信息，所述第一保单为需要进行保险续期缴费且缴费剩余期限小于预设时间阈值的保单；
    若存在所述续期保单信息，则确定所述续期保单信息为满足预设筛选条件的保单信息；和/或
    检测所述各个分枝上是否存在医疗理赔保单信息，所述医疗理赔保单信息为第二保单的保单信息，所述第二保单为所述目标用户的医疗信息满足保单上约定的理赔条件的可理赔保单；
    若存在所述医疗理赔保单信息，则确定所述医疗理赔保单信息为满足预设筛选条件的保单信息。
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