WO2020082872A1 - 一种保险业务的处理方法、装置及设备 - Google Patents

一种保险业务的处理方法、装置及设备 Download PDF

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Publication number
WO2020082872A1
WO2020082872A1 PCT/CN2019/101675 CN2019101675W WO2020082872A1 WO 2020082872 A1 WO2020082872 A1 WO 2020082872A1 CN 2019101675 W CN2019101675 W CN 2019101675W WO 2020082872 A1 WO2020082872 A1 WO 2020082872A1
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insurance
target
target user
information
historical data
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PCT/CN2019/101675
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English (en)
French (fr)
Inventor
刘亮
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阿里巴巴集团控股有限公司
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Publication of WO2020082872A1 publication Critical patent/WO2020082872A1/zh

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/01—Customer relationship services
    • G06Q30/015—Providing customer assistance, e.g. assisting a customer within a business location or via helpdesk
    • G06Q30/016—After-sales
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/08—Insurance

Definitions

  • This specification relates to the field of computer technology, and in particular to a method, device and equipment for processing insurance business.
  • the insurance business plan is designed, priced, and filed by the actuarial product department of the insurance institution, and then the insurance institution will put the insurance business plan on the market for sale. Users with insurance needs can view or consult relevant insurance business plans in the relevant sales outlets or web pages, and can choose the insurance business plan that suits them to apply for insurance.
  • the insurance business plan is usually designed uniformly by the actuarial product department in the insurance institution, and different users may have different situations, their needs for insurance business will also be different.
  • the user chooses the insurance business plan I have to make multiple choices or insure multiple different insurance business plans, or even give up insurance, so that the insurance business plan cannot meet the needs of different users, the user's insurance rate is low, and the insurance business plan is uniform and uncompetitive. Unable to effectively solve the related pain points of the insured. Therefore, it is necessary to provide a more competitive and higher insurance rate for the development of technical solutions for insurance business.
  • the purpose of the embodiments of the present specification is to provide an insurance business processing method, device and equipment, so as to provide a more competitive and higher insurance rate of insurance business program formulation technical solutions.
  • An insurance business processing method provided by an embodiment of the present specification.
  • the method includes:
  • Target historical data of the target user from a predetermined blockchain node based on the insurance claim information, the target historical data including at least relevant historical data used to characterize the insurance claim information;
  • an insurance business plan for the target user is generated.
  • the target historical data includes historical behavior data of the target user and historical result data of the target user.
  • the generating an insurance business plan for the target user based on the target historical data and the insurance claim information includes:
  • an insurance business plan for the target user is generated.
  • the generating an insurance business plan for the target user based on the target historical data and the insurance claim information includes:
  • an insurance business plan for the target user is generated.
  • the method further includes:
  • the operation behavior data After receiving the operation behavior data of the target user on the insurance business plan, the operation behavior data is stored in a predetermined blockchain node.
  • the blockchain node is a node in an alliance chain, a node in a private chain, or a node in a public chain.
  • An insurance business processing device provided by an embodiment of this specification, the device includes:
  • the information acquisition module is used to obtain the insurance claim information of the target user for the insurance business
  • the historical data acquisition module is configured to acquire target historical data of the target user from a predetermined blockchain node based on the insurance claim information, and the target historical data includes at least relevant information for characterizing the insurance claim information historical data;
  • An insurance plan generation module is used to generate an insurance business plan for the target user based on the target historical data and the insurance appeal information.
  • the target historical data includes historical behavior data of the target user and historical result data of the target user.
  • the insurance scheme generation module includes:
  • a first type determining unit configured to input the target historical data and the insurance claim information into an insurance type model for calculation, to obtain a target insurance type corresponding to the target user;
  • An insurance plan generation unit is configured to generate an insurance business plan for the target user based on the target insurance type, the target historical data, and the insurance appeal information.
  • the insurance scheme generation module includes:
  • a second type determining unit configured to determine the pre-selected insurance type corresponding to the target user based on the target historical data
  • a target type determining unit configured to perform matching calculation on the pre-selected insurance type corresponding to the target user and the insurance claim information, and determine the target insurance type corresponding to the target user;
  • An insurance plan generation unit is configured to generate an insurance business plan for the target user based on the target insurance type, the target historical data, and the insurance appeal information.
  • the device further includes:
  • a sending module configured to send the insurance business plan to the target user
  • the storage module is configured to store the operation behavior data in a predetermined blockchain node after receiving the operation behavior data of the target user on the insurance business solution.
  • the blockchain node is a node in an alliance chain, a node in a private chain, or a node in a public chain.
  • the insurance business processing device includes:
  • a memory arranged to store computer-executable instructions, which when executed, causes the processor to:
  • target historical data of the target user Based on the insurance claim information, acquiring target historical data of the target user from a predetermined blockchain node, the target historical data including at least relevant historical data characterizing the insurance claim information;
  • an insurance business plan for the target user is generated.
  • the embodiment of the present specification obtains the target user's insurance claim information for the insurance business, and then, based on the insurance claim information, can obtain the target user's target from a predetermined blockchain node Historical data, the target historical data includes at least relevant historical data used to characterize the insurance claim information, and an insurance business plan for the target user can be generated based on the target historical data and the insurance claim information, so that the target user ’s Insurance claim information and the related historical data used to characterize the insurance claim information, and customize the exclusive insurance business plan for the target user.
  • the generated insurance business plan can be based on the user ’s Different and different, and the insurance business plan is generated based on the target user's insurance appeal information and related historical data. Therefore, the generated insurance business plan is more in line with the target user's needs, which can greatly improve the user's insurance business plan Insurance rates, improve the user experience.
  • FIG. 1 is an embodiment of a method for processing insurance business in this specification
  • Figure 2 is a schematic diagram of a page display of a customized insurance business in this specification
  • FIG. 3 is another embodiment of a method for processing insurance business in this specification
  • FIG. 4 is another embodiment of a method for processing insurance business in this specification.
  • FIG. 5 is an embodiment of a processing device for insurance business in this specification
  • FIG. 6 is an embodiment of a processing device for insurance business in this specification.
  • Embodiments of this specification provide a method, device and equipment for processing insurance business.
  • an embodiment of the present specification provides a method for processing insurance business.
  • the method may be executed by a terminal device or a server, where the terminal device may be a device such as a personal computer.
  • the server can be an independent server or a server cluster composed of multiple servers, and the server can be a back-end server that contains a certain business (such as financial services, etc.) of an insurance business, or it can be a website (such as The back-end server of an insurance institution's website or payment application, etc.).
  • This method can be used to determine the possible personal, health and property risks of the user based on the actual situation of different users, and formulate corresponding insurance business plans for the user.
  • the execution subject is taken as a server for illustration.
  • the terminal device it can be processed according to the following related content, which will not be repeated here.
  • the method may specifically include the following steps:
  • step S102 the insurance claim information of the target user for the insurance business is obtained.
  • the target user can be any user, and the target user can be a user with insurance needs.
  • Insurance business may refer to the insurer paying insurance premiums to the insurer according to a pre-agreed agreement.
  • the insurer shall be liable to pay compensation for the property damage caused by the pre-agreed accident, or the insured shall die, Business related to the act of disability, illness, or reaching the pre-agreed age, deadline, etc.
  • the insurance business may include one or more insurance categories, such as personal safety insurance, health insurance, and property insurance.
  • the insurance claim information can be the user's demand information for a certain insurance category or multiple insurance categories, and the insurance claim information can include the user's age, gender, work status (which can include the nature of the job, the place of work, etc.), the vehicle owned One or more of the situation (may include vehicle purchase years, vehicle model, etc.), driving age, travel status, and health status.
  • the embodiments of the present specification provide a related technical solution to solve the above problems. For details, please refer to the following related content:
  • Corresponding applications can be developed for insurance business. By giving the application, you can request related services of the insurance business. For example, you can choose an insurance category (such as health) through the application and request the insurance category. Related services (such as inpatient medical insurance services or critical illness insurance services, etc.), etc.
  • the above application can be installed on the target user ’s terminal device. During the installation of the above application on the target user ’s terminal device, the user can be asked whether they agree to collect the historical data of the target user.
  • the target user uses the terminal device
  • the terminal device can record information about the target user ’s use of the terminal device to perform related operations, related data generated during the target user ’s use of the above-mentioned application, and related behavior data of the target user detected by the terminal device, etc., and can record in real time
  • the above data is sent to the corresponding storage system for storage, where the storage system can be a distributed storage system or a centralized storage system. In practical applications, the storage system can be implemented through a blockchain. Ensure the reliability and accuracy of the above data stored.
  • the application can include customization options for insurance business.
  • the target user needs to customize to meet his personal insurance business, he can click the customization option in the application, the terminal device can obtain the data of the corresponding customization page, and customize The page is presented to the target user.
  • the customized page may include one or more information input boxes. If only one information input box is included, the information input box may be used for the target user to enter insurance claim information of the insurance business. If multiple information input boxes are included, then As shown in FIG. 2, it may include, for example, an age input box, a gender option, and an information input box for inputting insurance claim information of the insurance business.
  • the target user can enter the corresponding information in the corresponding information input box on the customized page according to the actual situation.
  • the target user can click the OK button on the customized page, and the terminal device can obtain the information in the information input box.
  • the acquired information can be used as insurance claim information for insurance business, and the insurance claim information can be sent to the server, so that the server can obtain the insurance claim information of the target user for insurance business.
  • the option to allow collection of relevant historical data of the target user can be set in the above customization page, if the target user selects the option of allowing collection of related historical data, You can send the information in the information input box as insurance claim information to the server. If the target user selects the option that does not allow the collection of relevant historical data, you can notify the target user that insurance customization is not possible, or you can customize insurance in other ways. For example, only relying on the insurance claim information of the target user to select an existing insurance business plan for the target user or generate an insurance business plan for the target user.
  • step S104 based on the insurance claim information, target historical data of a target user is obtained from a predetermined blockchain node, and the target historical data includes at least relevant historical data used to characterize the insurance claim information.
  • the target historical data may include various historical data of the target user, for example, the relevant data of the target user performing a certain sport (such as running, playing basketball, football or badminton). The interval between exercises, etc. In addition, it can also include data such as the target user's visit or illness, such as the duration of each illness and the time interval between two adjacent illnesses.
  • the target historical data may include at least historical data related to the content of the insurance claim information. For example, if the insurance claim information includes information related to the health of the target user, then the target historical data may include Sports-related data and data about the target user's visit or illness.
  • the insurance claim information submitted by the target user considering the limited content of the insurance claim information submitted by the target user, it may not be able to reflect which insurance business plan in which insurance category the target user is suitable, for example, the insurance claim information contains
  • health insurance can include inpatient medical insurance plans and critical illness insurance plans. Therefore, it is impossible to determine which insurance business plan the target user is suitable for, and it cannot be reflected only for the target.
  • the user's insurance business plan For this purpose, the insurance claim information submitted by the target user can be analyzed, which can determine which insurance categories or aspects the target user needs, and then can request the insurance required by the target user from the above storage system Historical data related to categories or requirements (ie, target historical data).
  • the target user can obtain relevant data such as the target user's playing a certain sport, such as the time and duration of playing badminton, and the frequency of unit time. You can also obtain relevant data such as the visit or illness of the target user, such as the time and duration of the visit or illness, and the frequency per unit time.
  • the above-mentioned storage system for storing user-related data can be implemented through a blockchain, so the terminal device can send the recorded user's above-mentioned data to the corresponding in real time
  • the blockchain nodes in the blockchain are stored.
  • the target user's insurance claim information for the insurance business is obtained, the target user's target historical data can be requested from the corresponding blockchain node in the above-mentioned blockchain, so as to ensure the reliability and accuracy of the obtained target historical data To improve the matching between the generated insurance business plan and the target user.
  • step S106 based on the target historical data and the insurance claim information, an insurance business plan for the target user is generated.
  • the insurance business plan can be a combination of tangible insurance products and intangible insurance services provided by insurance institutions to the market or customers.
  • insurance business plans can refer to the creation of insurance institutions, available for customers to choose, and can be in the insurance market
  • Financial instruments for transactions can be broadly defined as all insurance products and insurance services that insurance institutions provide to the market or customers and can be obtained, utilized or consumed by customers.
  • the insurance business plan can include one or more insurance plans, such as the inpatient medical insurance plan or the critical illness insurance plan. Different insurance business plans can have different contents.
  • the following contents can be included: premium : Xxx yuan / month; duration: 1 year; coverage: unlimited diseases, unlimited treatment time; deductible: 0 for major diseases, 10,000 for other diseases; 100% reimbursement ; Waiting period: 30 days (no waiting period for accidental medical treatment); Hospital range: public hospitals at level 2 and above; Claims: Pay medical expenses at home / convenient online claims; Renewal: Annual renewal, no waiting period, no health Notification; Surrender: Full refund within 15 days without handling fees, etc.
  • each piece of data in the target historical data can be matched with the above insurance claim information to obtain the matching degree of each piece of data with the insurance claim information.
  • the matching degree of the data and the insurance claim information is determined to meet the actual needs of the target user.
  • the target user's insurance claim information indicates that the target user has a demand for health protection, and, through the analysis of the insurance claim information and the target historical data, the determination If the target user is sick more often and the types of diseases are more complex, etc., the personal insurance plan for the target user can be generated based on the above information, that is, the insurance business plan, as detailed above for the inpatient medical insurance plan.
  • the target user ’s insurance claim information can indicate the target user ’s needs for other aspects (such as personal safety or vehicle safety, etc.) in addition to the target user ’s demand for health protection.
  • the analysis of the data generates a corresponding insurance plan for the target user, such as a car insurance plan or a personal accident insurance plan.
  • the embodiments of the present specification provide a method for processing insurance business.
  • target historical data of the target user can be obtained from a predetermined blockchain node.
  • the target historical data includes at least relevant historical data used to characterize the insurance claim information, and an insurance business plan for the target user can be generated based on the target historical data and the insurance claim information, so that the target user's insurance claim information can be obtained
  • the relevant historical data used to characterize the insurance claim information and customize the exclusive insurance business plan for the target user.
  • the generated insurance business plan can be different according to the user And, the insurance business plan is generated based on the target user ’s insurance appeal information and related historical data. Therefore, the generated insurance business plan is more in line with the target user ’s needs, which can greatly increase the user ’s insurance rate and increase the insurance business plan. user experience.
  • an embodiment of the present specification provides a method for processing insurance business.
  • the method may be executed by a terminal device or a server, where the terminal device may be a device such as a personal computer.
  • the server can be an independent server or a server cluster composed of multiple servers, and the server can be a back-end server that contains a certain business (such as financial services, etc.) of an insurance business, or it can be a website (such as The back-end server of an insurance institution's website or payment application, etc.).
  • This method can be used to determine the possible personal, health and property risks of the user based on the actual situation of different users, and formulate corresponding insurance business plans for the user.
  • the execution subject is taken as a server for illustration.
  • the terminal device it can be processed according to the following related content, which will not be repeated here.
  • the method may specifically include the following steps:
  • step S302 the insurance claim information of the target user for the insurance business is obtained.
  • the content of the step S302 is the same as the content of the step S102 in the first embodiment.
  • step S304 based on the insurance claim information, target historical data of the target user is obtained from a predetermined blockchain node, and the target historical data includes at least relevant historical data used to characterize the insurance claim information.
  • the target historical data includes target user's historical behavior data and target user's historical result data.
  • the historical behavior data can be the target user's behavior data, such as the target user's running, playing basketball, football or badminton related data
  • the historical result data can be the target user performing a certain transaction related data, for example, the target user in 2018 In September 16th, the relevant data of a drug was purchased in a hospital.
  • Blockchain nodes can be nodes in alliance chains, nodes in private chains, or nodes in public chains.
  • the terminal device can record information about the target user's use of the terminal device for related operations, the relevant data generated by the target user during the use of the above-mentioned application program, and the target user's Relevant behavior data, and related historical result data of the target user, etc.
  • the above historical behavior data and historical result data of the target user belong to the target user's personal information
  • the above data is a record of the target user's behavior and the result of the target user's execution of a transaction, which belongs to the target user's personal behavior and result data
  • the recorded above data can be sent to the corresponding blockchain node in the corresponding blockchain for storage in real time.
  • the insurance claim information of the target user can be analyzed, from which the insurance category or aspects of the target user's needs can be determined, and then, the The corresponding blockchain node requests historical data (ie, target historical data) related to the insurance category or demand side of the target user's demand.
  • target historical data ie, target historical data
  • step S306 based on the aforementioned target historical data, a pre-selected insurance type corresponding to the target user is determined.
  • the preselected insurance type may be an alternative insurance type, and the preselected insurance type may include one or more types of insurance, such as personal, health, and property.
  • the target historical data may include historical data of multiple aspects of the target user. Through the analysis of the historical data of the above aspects, it is possible to determine which aspects of the target user may need to be guaranteed. Then, based on the target user ’s potential The required protection determines the insurance type that may be suitable for the target user, and the insurance type determined as above may be suitable for the target user may be used as the pre-selected insurance type corresponding to the target user. For example, if the target historical data includes data about the target user ’s illness or medical visit, data about the target user ’s own car, and data about the target user ’s multiple sports activities, the target user can be determined by analyzing the above data May require medical guarantees, vehicle safety guarantees and personal safety guarantees. The three types of personal, health and property insurance can be used as the pre-selected insurance types corresponding to the target user.
  • step S308 matching calculation is performed on the pre-selected insurance type corresponding to the target user and the above-mentioned insurance claim information to determine the target insurance type corresponding to the target user.
  • the target insurance type may be the insurance type required by the target user.
  • the insurance claim information of the target user can be analyzed. Specifically, the insurance claim information can be divided into multiple according to the keywords contained in the insurance claim information Different parts, each part can be assigned a corresponding weight according to its corresponding keyword, and then the same or similar parts can be clustered, and the weights of each part included in a class can be superimposed to obtain the class Corresponding weight, so that the weight of each class can be obtained, each class can be matched with the pre-selected insurance type to determine the matching value corresponding to each pre-selected insurance type, and the matching value can be greater than the preset matching threshold Pre-select the insurance type as the target insurance type corresponding to the target user.
  • the pre-selected insurance type includes personal, health, and property. If the pre-selected insurance type is determined to be that the matching value corresponding to the personal is less than the preset matching threshold through the above analysis of the insurance claim information, you can Identify health and property as the target insurance type corresponding to the target user.
  • step S310 an insurance business plan for the target user is generated based on the target insurance type, target historical data, and the insurance claim information.
  • a personal insurance plan that is, an insurance business plan
  • the target insurance type includes health and property, and then, through analysis of the target historical data and the above insurance appeal information, it is determined that the target user is sick more often and the disease type is more complicated, and the target user often drives and the target user's driving age Shorter, you can generate a personal car insurance plan and inpatient medical insurance plan for the target user.
  • step S312 the above insurance business plan is sent to the target user.
  • step S314 after receiving the operation data of the target user on the insurance business plan, the operation data is stored in a predetermined blockchain node.
  • the blockchain node may be a node in the alliance chain, a node in the private chain, or a node in the public chain.
  • the insurance business plan may include one insurance plan or multiple insurance plans.
  • the terminal device of the target user may display each insurance business plan, and the target user may view For the specific content of each insurance business plan, if the target user thinks that one or more insurance business plans are suitable for him, he can apply for insurance.
  • the terminal device of the target user can send the target user to the server to the insurance business plan
  • the server can store the operation behavior data of the target user for the above insurance business plan into a predetermined blockchain node.
  • the embodiments of the present specification provide a method for processing insurance business.
  • target historical data of the target user can be obtained from a predetermined blockchain node.
  • the target historical data includes at least relevant historical data used to characterize the insurance claim information, and an insurance business plan for the target user can be generated based on the target historical data and the insurance claim information, so that the target user's insurance claim information can be obtained
  • the relevant historical data used to characterize the insurance claim information and customize the exclusive insurance business plan for the target user.
  • the generated insurance business plan can be different according to the user And, the insurance business plan is generated based on the target user ’s insurance appeal information and related historical data. Therefore, the generated insurance business plan is more in line with the target user ’s needs, which can greatly increase the user ’s insurance rate and increase the insurance business plan. User experience.
  • the embodiment of the present specification provides a method for processing insurance business.
  • the method may be executed by a terminal device or a server, and the terminal device may be a device such as a personal computer.
  • the server can be an independent server or a server cluster composed of multiple servers, and the server can be a back-end server that contains a certain business (such as financial services, etc.) of an insurance business, or it can be a website (such as The back-end server of an insurance institution's website or payment application, etc.).
  • This method can be used to determine the possible personal, health and property risks of the user based on the actual situation of different users, and formulate corresponding insurance business plans for the user.
  • the execution subject is taken as a server for illustration.
  • the terminal device it can be processed according to the following related content, which will not be repeated here.
  • the method may specifically include the following steps:
  • step S402 the insurance claim information of the target user for the insurance business is obtained.
  • step S404 based on the insurance claim information, target historical data of a target user is obtained from a predetermined blockchain node, and the target historical data includes at least relevant historical data used to characterize the insurance claim information.
  • the target historical data includes target user's historical behavior data and target user's historical result data.
  • Blockchain nodes are nodes in the alliance chain, nodes in the private chain, or nodes in the public chain.
  • steps S402 and S404 is the same as the content of steps S302 and S304 in the second embodiment above.
  • step S406 the above-mentioned target historical data and the above-mentioned insurance demand information are input into the insurance type model for calculation, and the target insurance type corresponding to the target user is obtained.
  • the insurance type model can be constructed in various ways, for example, the insurance type model can be constructed by a clustering algorithm, where the clustering algorithm can include one of the k-means algorithm, k-medoids algorithm, Birch algorithm, and Cure algorithm, etc. Or more, the insurance type model can also be constructed through a similarity matching algorithm, where the similarity matching algorithm can be a related algorithm based on Euclidean distance, a related algorithm based on Chebyshev distance, and a related algorithm based on Manhattan distance The insurance type model can also be constructed based on the clustering algorithm and the similarity matching algorithm.
  • the embodiment of this specification does not limit the construction method of the insurance type model.
  • the insurance type model is constructed differently, and the process of obtaining the target insurance type corresponding to the target user can also be different. Specifically, it can be processed based on the relevant algorithm in the insurance type model.
  • step S408 according to the target insurance type, the target historical data, and the insurance claim information, an insurance business plan for the target user is generated.
  • step S410 the above insurance business plan is sent to the target user.
  • step S412 after receiving the operation behavior data of the target user on the insurance business plan, the operation behavior data is stored in a predetermined blockchain node.
  • the blockchain node is a node in the alliance chain, a node in the private chain or a node in the public chain.
  • steps S408 to S412 are the same as the steps S310 to S314 in the second embodiment.
  • steps S408 to S412 please refer to the related contents in steps S310 to S314 respectively. This will not be repeated here.
  • the embodiments of the present specification provide a method for processing insurance business.
  • target historical data of the target user can be obtained from a predetermined blockchain node.
  • the target historical data includes at least relevant historical data used to characterize the insurance claim information, and an insurance business plan for the target user can be generated based on the target historical data and the insurance claim information, so that the target user's insurance claim information can be obtained
  • the relevant historical data used to characterize the insurance claim information and customize the exclusive insurance business plan for the target user.
  • the generated insurance business plan can be different according to the user And, the insurance business plan is generated based on the target user ’s insurance appeal information and related historical data. Therefore, the generated insurance business plan is more in line with the target user ’s needs, which can greatly increase the user ’s insurance rate and increase the insurance business plan. User experience.
  • the embodiment of the specification also provides an apparatus for processing insurance business, as shown in FIG. 5.
  • the insurance business processing device includes: an information acquisition module 501, a historical data acquisition module 502, and an insurance scheme generation module 503, where:
  • the information obtaining module 501 is used to obtain the insurance claim information of the target user for the insurance business;
  • the historical data obtaining module 502 is configured to obtain target historical data of the target user from a predetermined blockchain node based on the insurance claim information, and the target historical data includes at least information for characterizing the insurance claim information Related historical data;
  • An insurance plan generation module 503 is used to generate an insurance business plan for the target user based on the target historical data and the insurance appeal information.
  • the target historical data includes historical behavior data of the target user and historical result data of the target user.
  • the insurance scheme generation module 503 includes:
  • a first type determining unit configured to input the target historical data and the insurance claim information into an insurance type model for calculation, to obtain a target insurance type corresponding to the target user;
  • An insurance plan generation unit is configured to generate an insurance business plan for the target user based on the target insurance type, the target historical data, and the insurance appeal information.
  • the insurance scheme generation module 503 includes:
  • a second type determining unit configured to determine the pre-selected insurance type corresponding to the target user based on the target historical data
  • a target type determining unit configured to perform matching calculation on the pre-selected insurance type corresponding to the target user and the insurance claim information, and determine the target insurance type corresponding to the target user;
  • An insurance plan generation unit is configured to generate an insurance business plan for the target user based on the target insurance type, the target historical data, and the insurance appeal information.
  • the device further includes:
  • a sending module configured to send the insurance business plan to the target user
  • the storage module is configured to store the operation behavior data in a predetermined blockchain node after receiving the operation behavior data of the target user on the insurance business solution.
  • the blockchain node is a node in an alliance chain, a node in a private chain, or a node in a public chain.
  • An embodiment of the present specification provides an insurance business processing device.
  • target historical data of the target user can be obtained from a predetermined blockchain node,
  • the target historical data includes at least relevant historical data used to characterize the insurance claim information, and an insurance business plan for the target user can be generated based on the target historical data and the insurance claim information, so that the target user's insurance claim information can be obtained
  • the relevant historical data used to characterize the insurance claim information and customize the exclusive insurance business plan for the target user.
  • the generated insurance business plan can be different according to the user And, the insurance business plan is generated based on the target user ’s insurance appeal information and related historical data. Therefore, the generated insurance business plan is more in line with the target user ’s needs, which can greatly increase the user ’s insurance rate and increase the insurance business plan. User experience.
  • the embodiment of the specification also provides an insurance business processing device, as shown in FIG. 6.
  • the processing device of the insurance business may be the server or the terminal device provided in the foregoing embodiment.
  • the processing device of the insurance business may have a large difference due to different configurations or performances, and may include one or more processors 601 and a memory 602, and the memory 602 may store one or more stored application programs or data.
  • the memory 602 may be short-term storage or persistent storage.
  • the application program stored in the memory 602 may include one or more modules (not shown in the figure), and each module may include a series of computer-executable instructions in a processing device for insurance services.
  • the processor 601 may be configured to communicate with the memory 602 and execute a series of computer-executable instructions in the memory 602 on the processing device of the insurance business.
  • the insurance business processing device may further include one or more power supplies 603, one or more wired or wireless network interfaces 604, one or more input / output interfaces 605, and one or more keyboards 606.
  • the insurance business processing device includes a memory and one or more programs, where one or more programs are stored in the memory, and the one or more programs may include one or more modules, and Each module may include a series of computer-executable instructions in a processing device for insurance business, and is configured to be executed by one or more processors.
  • the one or more programs include the following computer-executable instructions:
  • target historical data of the target user Based on the insurance claim information, acquiring target historical data of the target user from a predetermined blockchain node, the target historical data including at least relevant historical data characterizing the insurance claim information;
  • an insurance business plan for the target user is generated.
  • the target historical data includes historical behavior data of the target user and historical result data of the target user.
  • the generating an insurance business plan for the target user based on the target historical data and the insurance claim information includes:
  • an insurance business plan for the target user is generated.
  • the generating an insurance business plan for the target user based on the target historical data and the insurance claim information includes:
  • an insurance business plan for the target user is generated.
  • the operation behavior data After receiving the operation behavior data of the target user on the insurance business plan, the operation behavior data is stored in a predetermined blockchain node.
  • the blockchain node is a node in an alliance chain, a node in a private chain, or a node in a public chain.
  • the embodiments of the present specification provide an insurance business processing device.
  • target historical data of the target user can be obtained from a predetermined blockchain node.
  • the target historical data includes at least relevant historical data used to characterize the insurance claim information, and an insurance business plan for the target user can be generated based on the target historical data and the insurance claim information, so that the target user's insurance claim information can be obtained
  • the relevant historical data used to characterize the insurance claim information and customize the exclusive insurance business plan for the target user.
  • the generated insurance business plan can be different according to the user And, the insurance business plan is generated based on the target user ’s insurance appeal information and related historical data. Therefore, the generated insurance business plan is more in line with the target user ’s needs, which can greatly increase the user ’s insurance coverage rate and increase User experience.
  • the improvement of a technology can be clearly distinguished from the improvement of hardware (for example, the improvement of the circuit structure of diodes, transistors, switches, etc.) or the improvement of software (the improvement of the process flow).
  • hardware for example, the improvement of the circuit structure of diodes, transistors, switches, etc.
  • software the improvement of the process flow.
  • the improvement of many methods and processes can be regarded as a direct improvement of the hardware circuit structure.
  • Designers almost get the corresponding hardware circuit structure by programming the improved method flow into the hardware circuit. Therefore, it cannot be said that the improvement of a method flow cannot be realized by hardware physical modules.
  • a programmable logic device (Programmable Logic Device, PLD) (such as a field programmable gate array (Field Programmable Gate Array, FPGA)) is such an integrated circuit, and its logic function is determined by the user programming the device.
  • PLD Programmable Logic Device
  • FPGA Field Programmable Gate Array
  • HDL Hardware Description Language
  • ABEL Advanced Boolean Expression
  • AHDL AlteraHardwareDescriptionLanguage
  • Confluence CUPL
  • CornellUniversityProgrammingLanguage HDCal
  • JHDL JavaHardwareDescriptionLanguage
  • Lava Lava
  • Lola MyHDL
  • PALASM RHDL
  • VHDL Very-High-Speed Integrated Circuit Hardware Description
  • the controller may be implemented in any suitable manner, for example, the controller may take the form of a microprocessor or processor and a computer-readable medium storing computer-readable program code (such as software or firmware) executable by the (micro) processor , Logic gates, switches, application specific integrated circuits (Application Specific Integrated Circuit, ASIC), programmable logic controllers and embedded microcontrollers.
  • Examples of controllers include but are not limited to the following microcontrollers: ARC625D, Atmel AT91SAM Microchip PIC18F26K20 and Silicon Labs C8051F320, the memory controller can also be implemented as part of the control logic of the memory.
  • controller in addition to implementing the controller in a pure computer-readable program code manner, it is entirely possible to make the controller into logic gates, switches, application specific integrated circuits, programmable logic controllers and embedded by logically programming method steps The same function is realized in the form of a microcontroller or the like. Therefore, such a controller can be regarded as a hardware component, and the devices included therein for realizing various functions can also be regarded as a structure within the hardware component. Or even, the device for realizing various functions can be regarded as both a software module of an implementation method and a structure within a hardware component.
  • the system, device, module or unit explained in the above embodiments may be specifically implemented by a computer chip or entity, or by a product having a certain function.
  • a typical implementation device is a computer.
  • the computer may be, for example, a personal computer, a laptop computer, a cellular phone, a camera phone, a smart phone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or Any combination of these devices.
  • one or more embodiments of this specification may be provided as methods, systems, or computer program products. Therefore, one or more embodiments of this specification may take the form of an entirely hardware embodiment, an entirely software embodiment, or an embodiment combining software and hardware. Moreover, one or more embodiments of this specification may employ computer programs implemented on one or more computer usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing computer usable program code The form of the product.
  • computer usable storage media including but not limited to disk storage, CD-ROM, optical storage, etc.
  • These computer program instructions may also be stored in a computer readable memory that can guide a computer or other programmable data processing device to work in a specific manner, so that the instructions stored in the computer readable memory produce an article of manufacture including an instruction device, the instructions The device implements the functions specified in one block or multiple blocks of the flowchart one flow or multiple flows and / or block diagrams.
  • These computer program instructions can also be loaded onto a computer or other programmable data processing device, so that a series of operating steps are performed on the computer or other programmable device to produce computer-implemented processing, which is executed on the computer or other programmable device
  • the instructions provide steps for implementing the functions specified in one block or multiple blocks of the flowchart one flow or multiple flows and / or block diagrams.
  • the computing device includes one or more processors (CPUs), input / output interfaces, network interfaces, and memory.
  • processors CPUs
  • input / output interfaces output interfaces
  • network interfaces network interfaces
  • memory volatile and non-volatile memory
  • the memory may include non-permanent memory, random access memory (RAM) and / or non-volatile memory in computer-readable media, such as read only memory (ROM) or flash memory (flash RAM). Memory is an example of computer-readable media.
  • RAM random access memory
  • ROM read only memory
  • flash RAM flash memory
  • Computer-readable media including permanent and non-permanent, removable and non-removable media, can store information by any method or technology.
  • the information may be computer readable instructions, data structures, modules of programs, or other data.
  • Examples of computer storage media include, but are not limited to, phase change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technologies, read-only compact disc read-only memory (CD-ROM), digital versatile disc (DVD) or other optical storage, Magnetic tape cassettes, magnetic tape magnetic disk storage or other magnetic storage devices or any other non-transmission media can be used to store information that can be accessed by computing devices.
  • computer-readable media does not include temporary computer-readable media (transitory media), such as modulated data signals and carrier waves.
  • one or more embodiments of this specification may be provided as methods, systems, or computer program products. Therefore, one or more embodiments of this specification may take the form of an entirely hardware embodiment, an entirely software embodiment, or an embodiment combining software and hardware. Moreover, one or more embodiments of this specification may employ computer programs implemented on one or more computer usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing computer usable program code The form of the product.
  • computer usable storage media including but not limited to disk storage, CD-ROM, optical storage, etc.
  • One or more embodiments of this specification may be described in the general context of computer-executable instructions executed by a computer, such as program modules.
  • program modules include routines, programs, objects, components, data structures, etc. that perform specific tasks or implement specific abstract data types.
  • One or more embodiments of this specification can also be practiced in distributed computing environments in which tasks are performed by remote processing devices connected through a communication network.
  • program modules may be located in local and remote computer storage media including storage devices.

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Abstract

本说明书实施例公开了一种保险业务的处理方法、装置及设备，所述方法包括：获取目标用户针对保险业务的保险诉求信息；基于所述保险诉求信息，从预定的区块链节点中获取所述目标用户的目标历史数据，所述目标历史数据中至少包括用于表征所述保险诉求信息的相关历史数据；根据所述目标历史数据和所述保险诉求信息，生成针对所述目标用户的保险业务方案。

Description

一种保险业务的处理方法、装置及设备 技术领域
本说明书涉及计算机技术领域，尤其涉及一种保险业务的处理方法、装置及设备。
背景技术
目前，随着保险知识的普及人们对保险理念的加深，越来越多的人选择保险(如人身安全保险、健康保险和车险等)作为自己进行理财规划与风险管理的重要工具。而随着保险业务的种类以及项目的不断增多，如何在众多的保险业务方案中选择适合自己的保险业务方案，对于人们来说是一件很烦心的事情。
通常，保险业务方案是由保险机构中的精算产品部门进行统一的业务方案设计、定价和报备的，然后，保险机构会将保险业务方案投放到市场中进行销售。具有保险需求的用户可以在相关的销售网点或网络页面中查看或咨询相关的保险业务方案，并可以选择适合自己的保险业务方案进行投保。
然而，由于保险业务方案通常是由保险机构中的精算产品部门进行统一设计，而且不同的用户，其自身的情况可能不同，对保险业务的需求也会不同，这样，在用户选择保险业务方案时不得不进行多方面的取舍或投保多个不同的保险业务方案，甚至放弃投保，从而使得保险业务方案不能满足不同用户的需求，用户的投保率低下，而且，保险业务方案千篇一律，不具竞争力，无法有效解决被保险人的相关痛点。因此，需要提供一种更具竞争力、更高投保率的保险业务方案制定的技术方案。
发明内容
本说明书实施例的目的是提供一种保险业务的处理方法、装置及设备，以提供一种更具竞争力、更高投保率的保险业务方案制定的技术方案。
为实现上述技术方案，本说明书实施例是这样实现的：
本说明书实施例提供的一种保险业务的处理方法，所述方法包括：
获取目标用户针对保险业务的保险诉求信息；
基于所述保险诉求信息，从预定的区块链节点中获取所述目标用户的目标历史数据， 所述目标历史数据中至少包括用于表征所述保险诉求信息的相关历史数据；
根据所述目标历史数据和所述保险诉求信息，生成针对所述目标用户的保险业务方案。
可选地，所述目标历史数据中包括所述目标用户的历史行为数据和所述目标用户的历史结果数据。
可选地，所述根据所述目标历史数据和所述保险诉求信息，生成针对所述目标用户的保险业务方案，包括：
将所述目标历史数据和所述保险诉求信息输入到保险类型模型中进行计算，得到所述目标用户对应的目标保险类型；
根据所述目标保险类型、所述目标历史数据和所述保险诉求信息，生成针对所述目标用户的保险业务方案。
可选地，所述根据所述目标历史数据和所述保险诉求信息，生成针对所述目标用户的保险业务方案，包括：
根据所述目标历史数据，确定所述目标用户对应的预选保险类型；
对所述目标用户对应的预选保险类型和所述保险诉求信息进行匹配计算，确定所述目标用户对应的目标保险类型；
根据所述目标保险类型、所述目标历史数据和所述保险诉求信息，生成针对所述目标用户的保险业务方案。
可选地，所述方法还包括：
将所述保险业务方案发送给所述目标用户；
当接收到所述目标用户对所述保险业务方案的操作行为数据后，将所述操作行为数据存储到预定的区块链节点中。
可选地，所述区块链节点为联盟链中的节点、私有链中的节点或公有链中的节点。
本说明书实施例提供的一种保险业务的处理装置，所述装置包括：
信息获取模块，用于获取目标用户针对保险业务的保险诉求信息；
历史数据获取模块，用于基于所述保险诉求信息，从预定的区块链节点中获取所述目标用户的目标历史数据，所述目标历史数据中至少包括用于表征所述保险诉求信息的 相关历史数据；
保险方案生成模块，用于根据所述目标历史数据和所述保险诉求信息，生成针对所述目标用户的保险业务方案。
可选地，所述目标历史数据中包括所述目标用户的历史行为数据和所述目标用户的历史结果数据。
可选地，所述保险方案生成模块，包括：
第一类型确定单元，用于将所述目标历史数据和所述保险诉求信息输入到保险类型模型中进行计算，得到所述目标用户对应的目标保险类型；
保险方案生成单元，用于根据所述目标保险类型、所述目标历史数据和所述保险诉求信息，生成针对所述目标用户的保险业务方案。
可选地，所述保险方案生成模块，包括：
第二类型确定单元，用于根据所述目标历史数据，确定所述目标用户对应的预选保险类型；
目标类型确定单元，用于对所述目标用户对应的预选保险类型和所述保险诉求信息进行匹配计算，确定所述目标用户对应的目标保险类型；
保险方案生成单元，用于根据所述目标保险类型、所述目标历史数据和所述保险诉求信息，生成针对所述目标用户的保险业务方案。
可选地，所述装置还包括：
发送模块，用于将所述保险业务方案发送给所述目标用户；
存储模块，用于当接收到所述目标用户对所述保险业务方案的操作行为数据后，将所述操作行为数据存储到预定的区块链节点中。
可选地，所述区块链节点为联盟链中的节点、私有链中的节点或公有链中的节点。
本说明书实施例提供的一种保险业务的处理设备，所述保险业务的处理设备包括：
处理器；以及
被安排成存储计算机可执行指令的存储器，所述可执行指令在被执行时使所述处理器：
获取目标用户针对保险业务的保险诉求信息；
基于所述保险诉求信息，从预定的区块链节点中获取所述目标用户的目标历史数据，所述目标历史数据中至少包括用于表征所述保险诉求信息的相关历史数据；
根据所述目标历史数据和所述保险诉求信息，生成针对所述目标用户的保险业务方案。
由以上本说明书实施例提供的技术方案可见，本说明书实施例通过获取目标用户针对保险业务的保险诉求信息，然后，可以基于该保险诉求信息，从预定的区块链节点中获取目标用户的目标历史数据，该目标历史数据中至少包括用于表征该保险诉求信息的相关历史数据，可以根据该目标历史数据和该保险诉求信息，生成针对目标用户的保险业务方案，这样，可以通过目标用户的保险诉求信息和用于表征该保险诉求信息的相关历史数据，为目标用户定制专属的保险业务方案，由于保险业务方案是基于目标用户的相关信息生成的，因此生成的保险业务方案可以根据用户的不同而不同，而且，保险业务方案是基于目标用户的保险诉求信息和相关历史数据生成的，因此，生成的保险业务方案更符合目标用户的需求，从而可以大大提高用户对保险业务方案的投保率，提高用户体验。
附图说明
为了更清楚地说明本说明书实施例或现有技术中的技术方案，下面将对实施例或现有技术描述中所需要使用的附图作简单地介绍，显而易见地，下面描述中的附图仅仅是本说明书中记载的一些实施例，对于本领域普通技术人员来讲，在不付出创造性劳动性的前提下，还可以根据这些附图获得其他的附图。
图1为本说明书一种保险业务的处理方法实施例；
图2为本说明书一种保险业务定制的页面显示示意图；
图3为本说明书另一种保险业务的处理方法实施例；
图4为本说明书又一种保险业务的处理方法实施例；
图5为本说明书一种保险业务的处理装置实施例；
图6为本说明书一种保险业务的处理设备实施例。
具体实施方式
本说明书实施例提供一种保险业务的处理方法、装置及设备。
为了使本技术领域的人员更好地理解本说明书中的技术方案，下面将结合本说明书实施例中的附图，对本说明书实施例中的技术方案进行清楚、完整地描述，显然，所描述的实施例仅仅是本说明书一部分实施例，而不是全部的实施例。基于本说明书中的实施例，本领域普通技术人员在没有作出创造性劳动前提下所获得的所有其他实施例，都应当属于本说明书保护的范围。
实施例一
如图1所示，本说明书实施例提供一种保险业务的处理方法，该方法的执行主体可以为终端设备或服务器，其中，该终端设备可以如个人计算机等设备。该服务器可以是独立的服务器，也可以是由多个服务器组成的服务器集群，而且，该服务器可以是包含保险业务的某项业务(如金融业务等)的后台服务器，也可以是某网站(如某保险机构的网站或支付应用等)的后台服务器等。该方法可以用于基于不同用户的实际情况，确定该用户可能存在的人身、健康和财产等风险，并为该用户制定对应的保险业务方案等处理中，为了提高保险业务的处理效率，本实施例中以执行主体为服务器为例进行说明，对于终端设备的情况，可以根据下述相关内容处理，在此不再赘述。该方法具体可以包括以下步骤：
在步骤S102中，获取目标用户针对保险业务的保险诉求信息。
其中，目标用户可以是任意用户，目标用户可以是具有保险需求的用户。保险业务可以是指投保人根据预先约定，向保险人支付保险费，保险人对于预先约定的可能发生的事故，因其发生所造成的财产损失而承担赔偿保险金责任，或者被保险人死亡、伤残、疾病或者达到预先约定的年龄、期限等条件时承担给付保险金责任的行为的相关业务。保险业务可以包括一个或多个保险类目，例如人身安全类保险、健康类保险和财产类保险等。保险诉求信息可以是用户对某一保险类目或多个保险类目的需求信息，保险诉求信息中可以包括用户年龄、性别、工作情况(可以包括工作性质、工作地点等)、所拥有的车辆情况(可以包括车辆购买年限、车辆型号等)、驾龄、出行情况和健康情况等中的一项或多项。
在实施中，随着保险知识的普及人们对保险理念的加深，越来越多的人选择保险作为自己进行理财规划与风险管理的重要工具。而随着保险业务的种类以及项目的不断增 多，如何在众多的保险业务方案中选择适合自己的保险业务方案成为需要解决的问题。通常，保险业务方案是由保险机构中的精算产品部门进行统一的业务方案设计、定价和报备的，然后，保险机构会将保险业务方案投放到市场中进行销售。具有保险需求的用户可以在相关的销售网点或网络页面中查看或咨询相关的保险业务方案，并可以选择适合自己的保险业务方案进行投保。
由于保险业务方案通常是由保险机构中的精算产品部门进行统一设计，而且不同的用户，其自身的情况可能不同，对保险业务的需求也会不同，这样，在用户选择保险业务方案时不得不进行多方面的取舍或投保多个不同的保险业务方案，甚至放弃投保，从而使得保险业务方案不能满足不同用户的需求，用户的投保率低下，而且，保险业务方案千篇一律，不具竞争力，无法有效解决被保险人的相关痛点。为此，本说明书实施例提供一种相关技术方案以解决上述问题，具体可以参见下述相关内容：
可以针对保险业务开发相应的应用程序，通过给应用程序可以请求该保险业务的相关服务，例如，可以通过该应用程序选择一项保险类目(如健康类)，并请求该保险类目下的相关服务(如住院医疗保险服务或重疾险服务等)等。目标用户的终端设备中可以安装有上述应用程序，目标用户的终端设备安装上述应用程序的过程中，可以征求用户是否同意收集目标用户的历史数据，如果目标用户同意，则当目标用户使用终端设备的过程中，终端设备可以记录目标用户使用终端设备进行相关操作的信息、目标用户使用上述应用程序过程中产生的相关数据和终端设备检测到的目标用户的相关行为数据等，并可以实时将记录的上述数据发送给相应的存储系统进行存储，其中，该存储系统可以是分布式存储系统，还可以是集中式存储系统，在实际应用中，该储存系统可以通过区块链实现，这样，可以保证存储的上述数据的可靠性和准确性。
该应用程序中可以包括保险业务的定制选项，当目标用户需要定制满足其个人的保险业务时，可以点击该应用程序中的定制选项，终端设备可以获取相应的定制页面的数据，并将该定制页面呈现给目标用户。该定制页面中可以包括一个或多个信息输入框，如果只包括一个信息输入框，则该信息输入框可以用于目标用户输入保险业务的保险诉求信息，如果包括多个信息输入框，则如图2所示，可以包括如年龄输入框、性别选项和用于输入保险业务的保险诉求信息的信息输入框等。目标用户可以根据实际情况，在该定制页面中的相应信息输入框中输入相应的信息，输入完成后，目标用户可以点击该定制页面中的确定按键，终端设备可以获取信息输入框中的信息，并可以将获取的信息作为针对保险业务的保险诉求信息，可以将该保险诉求信息发送给服务器，从而服务器 可以获取到目标用户针对保险业务的保险诉求信息。
需要说明的是，如图2所示，为了保证用户数据的安全性，可以在上述定制页面中设置是否允许收集目标用户的相关历史数据的选项，如果目标用户选择允许收集相关历史数据的选项，则可以将信息输入框中的信息作为保险诉求信息发送给服务器，如果目标用户选择不允许收集相关历史数据的选项，则可以通知目标用户无法进行保险定制，或者，可以通过其它方式进行保险定制，例如仅凭借目标用户的保险诉求信息，为目标用户选择现有保险业务方案或生成针对目标用户的保险业务方案等。
在步骤S104中，基于上述保险诉求信息，从预定的区块链节点中获取目标用户的目标历史数据，该目标历史数据中至少包括用于表征该保险诉求信息的相关历史数据。
其中，目标历史数据可以包括目标用户的多方面历史数据，例如目标用户进行某项运动(如跑步、打篮球、踢足球或打羽毛球)的相关数据，具体如可以包括运动时长、相邻两次运动之间的间隔时长等，此外，还可以包括如目标用户就诊或生病的相关数据，具体如每次生病的持续时长、相邻两次生病的时间间隔等。目标历史数据中至少可以包括与该保险诉求信息中的内容相关的历史数据，例如，该保险诉求信息中包括与目标用户的健康相关的信息，则目标历史数据中可以包括如目标用户进行某项运动的相关数据和目标用户就诊或生病的相关数据等。
在实施中，考虑到目标用户提交的保险诉求信息中包含的信息内容有限，可能无法体现出目标用户适合于哪一种保险类目中的哪一项保险业务方案，例如，保险诉求信息中包含了目标用户对健康进行保障的诉求，而健康类保险中可以包括住院医疗保险方案和重疾险方案，因此，无法确定目标用户适用于哪一项保险业务方案，而且也无法体现出只针对目标用户的保险业务方案，为此，可以对目标用户提交的保险诉求信息进行分析，可以从中确定目标用户对哪些保险类目或哪些方面有需求，然后，可以向上述存储系统请求目标用户需求的保险类目或需求的方面相关的历史数据(即目标历史数据)。例如，通过对保险诉求信息的分析，确定目标用户对健康保障方面有需求，则可以获取如目标用户进行某项运动的相关数据，如打羽毛球的时间和时长，以及单位时间内的频次等，还可以获取如目标用户就诊或生病的相关数据，如就诊或生病的时间和时长，以及单位时间内的频次等。
此外，为了防止目标用户的上述数据被恶意篡改或被盗取，上述用于存储用户相关数据的存储系统可以通过区块链实现，因此，终端设备可以实时将记录的用户的上述数据发送给相应的区块链中的区块链节点进行存储。而当获取到目标用户针对保险业务的 保险诉求信息后，可以向上述区块链中的相应区块链节点请求目标用户的目标历史数据，这样，可以保证获取的目标历史数据的可靠性和准确性，以提高生成的保险业务方案与目标用户的匹配度。
在步骤S106中，根据上述目标历史数据和上述保险诉求信息，生成针对目标用户的保险业务方案。
其中，保险业务方案可以是保险机构为市场或客户提供的有形保险产品和无形保险服务的综合体，保险业务方案在狭义上可以是指由保险机构创造、可供客户选择，并可在保险市场进行交易的金融工具，在广义上可以是指保险机构向市场或客户提供并可由客户取得、利用或消费的一切保险产品和保险服务等。保险业务方案可以包括某一项或多项保险方案，例如住院医疗保险方案或重疾险方案，不同的保险业务方案，其内容可以不同，以住院医疗保险方案为例，可以包括以下内容：保费：xxx元/月；期限：1年；保障范围：不限病种、不限治疗时间；免赔额：重大疾病0免赔，其它病种年度累计免赔1万；报销比例：100％报销；等待期：30天(意外医疗无等待期)；医院范围：二级及以上公立医院；理赔方式：上门垫付医药费/在线便捷理赔；续保：可逐年续保、免等待期、免健康告知；退保：15天内全额退款无手续费等。
在实施中，通过上述方式获取目标历史数据后，可以将目标历史数据中的各条数据与上述保险诉求信息进行匹配计算，得到每条数据与保险诉求信息的匹配度，可以根据得到的每条数据与保险诉求信息的匹配度，确定符合目标用户的实际需求，例如，目标用户的保险诉求信息指示目标用户对健康保障方面有需求，而且，通过对保险诉求信息和目标历史数据的分析，确定目标用户生病的次数较多，且病种较杂等，则可以基于上述信息为目标用户生成针对其个人的保险方案，即保险业务方案，具体如上述住院医疗保险方案等。另外，目标用户的保险诉求信息除了可以指示目标用户对健康保障方面有需求外，还可以指示目标用户对其它方面(如人身安全或车辆安全等)有需求，如果通过对保险诉求信息和目标历史数据的分析，为目标用户生成针对其个人的相应保险方案，例如车险方案或人身意外险方案等。
本说明书实施例提供一种保险业务的处理方法，通过获取目标用户针对保险业务的保险诉求信息，然后，可以基于该保险诉求信息，从预定的区块链节点中获取目标用户的目标历史数据，该目标历史数据中至少包括用于表征该保险诉求信息的相关历史数据，可以根据该目标历史数据和该保险诉求信息，生成针对目标用户的保险业务方案，这样，可以通过目标用户的保险诉求信息和用于表征该保险诉求信息的相关历史数据，为目标 用户定制专属的保险业务方案，由于保险业务方案是基于目标用户的相关信息生成的，因此生成的保险业务方案可以根据用户的不同而不同，而且，保险业务方案是基于目标用户的保险诉求信息和相关历史数据生成的，因此，生成的保险业务方案更符合目标用户的需求，从而可以大大提高用户对保险业务方案的投保率，提高用户体验。
实施例二
如图3所示，本说明书实施例提供一种保险业务的处理方法，该方法的执行主体可以为终端设备或服务器，其中，该终端设备可以如个人计算机等设备。该服务器可以是独立的服务器，也可以是由多个服务器组成的服务器集群，而且，该服务器可以是包含保险业务的某项业务(如金融业务等)的后台服务器，也可以是某网站(如某保险机构的网站或支付应用等)的后台服务器等。该方法可以用于基于不同用户的实际情况，确定该用户可能存在的人身、健康和财产等风险，并为该用户制定对应的保险业务方案等处理中，为了提高保险业务的处理效率，本实施例中以执行主体为服务器为例进行说明，对于终端设备的情况，可以根据下述相关内容处理，在此不再赘述。该方法具体可以包括以下步骤：
在步骤S302中，获取目标用户针对保险业务的保险诉求信息。
上述步骤S302的步骤内容与上述实施例一中步骤S102的步骤内容相同，步骤S302的具体处理过程可以参见上述步骤S102中的相关内容，在此不再赘述。
在步骤S304中，基于上述保险诉求信息，从预定的区块链节点中获取目标用户的目标历史数据，该目标历史数据中至少包括用于表征该保险诉求信息的相关历史数据。
其中，该目标历史数据中包括目标用户的历史行为数据和目标用户的历史结果数据。历史行为数据可以是目标用户的行为数据，例如目标用户跑步、打篮球、踢足球或打羽毛球的相关数据，历史结果数据可以是目标用户执行某项事务的相关数据，例如，目标用户在2018年9月16日在某医院购买了某药品的相关数据等。区块链节点可以为联盟链中的节点、私有链中的节点或公有链中的节点等。
在实施中，当目标用户使用终端设备的过程中，终端设备可以记录目标用户使用终端设备进行相关操作的信息、目标用户使用上述应用程序过程中产生的相关数据和终端设备检测到的目标用户的相关行为数据，以及目标用户的相关历史结果数据等。由于目标用户的上述历史行为数据和历史结果数据属于目标用户的个人信息，而且上述数据是对目标用户的行为和目标用户执行某项事务得到的结果的记录，属于目标用户的个人行 为和结果数据，为了防止目标用户的上述数据被恶意篡改或被盗取，可以实时将记录的上述数据发送给相应的区块链中的区块链节点进行存储。
当获取到目标用户针对保险业务的保险诉求信息后，可以对目标用户的保险诉求信息进行分析，可以从中确定目标用户对哪些保险类目或哪些方面有需求，然后，可以向上述区块链中的相应区块链节点请求目标用户需求的保险类目或需求的方面相关的历史数据(即目标历史数据)。
在步骤S306中，根据上述目标历史数据，确定目标用户对应的预选保险类型。
其中，预选保险类型可以是可供选择的保险类型，预选保险类型可以包括一种或多种保险类型，例如人身、健康和财产等。
在实施中，目标历史数据中可以包括目标用户的多个方面的历史数据，通过对上述多个方面的历史数据的分析，可以确定目标用户可能需要哪些方面的保障，然后，可以基于目标用户可能需要的保障确定可能适合目标用户的保险类型，可以将上述确定的可能适合目标用户的保险类型作为目标用户对应的预选保险类型。例如，目标历史数据中包括目标用户生病或就诊的相关数据和目标用户拥有一辆汽车的相关数据，以及目标用户多次进行体育运动的相关数据，则通过对上述数据的分析，可以确定目标用户可能需要医疗方面的保障、车辆安全方面的保障和人身安全方面的保障等，可以将人身、健康和财产三个保险类型作为目标用户对应的预选保险类型。
在步骤S308中，对目标用户对应的预选保险类型和上述保险诉求信息进行匹配计算，确定目标用户对应的目标保险类型。
其中，目标保险类型可以是目标用户需求的保险类型。
在实施中，通过上述方式得到目标用户对应的预选保险类型后，可以对目标用户的保险诉求信息进行分析，具体可以是：可以根据保险诉求信息中包含的关键词，将保险诉求信息划分为多个不同的部分，每个部分可以根据其对应的关键词分配相应的权重，然后可以对相同或相似的部分进行聚类处理，可以将一类中包含的各个部分的权重进行叠加，得到该类对应的权重，这样可以得到每个类的权重，可以将每个类分别与预选保险类型进行匹配分析，确定每个预选保险类型对应的匹配值，可以将匹配值大于预先设定的匹配阈值的预选保险类型作为目标用户对应的目标保险类型。例如，基于上述步骤S306中的示例，预选保险类型包括人身、健康和财产，如果通过对保险诉求信息的上述分析，确定预选保险类型为人身对应的匹配值小于预先设定的匹配阈值，则可以将健 康和财产确定为目标用户对应的目标保险类型。
在步骤S310中，根据上述目标保险类型、目标历史数据和上述保险诉求信息，生成针对目标用户的保险业务方案。
在实施中，通过上述方式确定目标保险类型后，可以基于目标历史数据和上述保险诉求信息为目标用户生成针对其个人的保险方案，即保险业务方案。例如目标保险类型包括健康和财产，然后，通过对目标历史数据和上述保险诉求信息的分析确定目标用户生病的次数较多，且病种较杂，而且目标用户经常驾车出行，且目标用户的驾龄较短，则可以为目标用户生成针对其个人的车险方案和住院医疗险方案等。
在步骤S312中，将上述保险业务方案发送给目标用户。
在步骤S314中，当接收到目标用户对上述保险业务方案的操作行为数据后，将该操作行为数据存储到预定的区块链节点中。
其中，区块链节点可以为联盟链中的节点、私有链中的节点或公有链中的节点等。
在实施中，保险业务方案可以包括一个保险方案，也可以包括多个保险方案，当将上述保险业务方案发送给目标用户后，可以目标用户的终端设备可以显示各个保险业务方案，目标用户可以查看各个保险业务方案的具体内容，如果目标用户认为某一个或多个保险业务方案适合自己，则可以进行投保，在投保的过程中，目标用户的终端设备可以向服务器发送目标用户对上述保险业务方案的操作行为数据，服务器可以将目标用户对上述保险业务方案的操作行为数据存储到预定的区块链节点中。
本说明书实施例提供一种保险业务的处理方法，通过获取目标用户针对保险业务的保险诉求信息，然后，可以基于该保险诉求信息，从预定的区块链节点中获取目标用户的目标历史数据，该目标历史数据中至少包括用于表征该保险诉求信息的相关历史数据，可以根据该目标历史数据和该保险诉求信息，生成针对目标用户的保险业务方案，这样，可以通过目标用户的保险诉求信息和用于表征该保险诉求信息的相关历史数据，为目标用户定制专属的保险业务方案，由于保险业务方案是基于目标用户的相关信息生成的，因此生成的保险业务方案可以根据用户的不同而不同，而且，保险业务方案是基于目标用户的保险诉求信息和相关历史数据生成的，因此，生成的保险业务方案更符合目标用户的需求，从而可以大大提高用户对保险业务方案的投保率，提高用户体验。
实施例三
如图4所示，本说明书实施例提供一种保险业务的处理方法，该方法的执行主体可 以为终端设备或服务器，其中，该终端设备可以如个人计算机等设备。该服务器可以是独立的服务器，也可以是由多个服务器组成的服务器集群，而且，该服务器可以是包含保险业务的某项业务(如金融业务等)的后台服务器，也可以是某网站(如某保险机构的网站或支付应用等)的后台服务器等。该方法可以用于基于不同用户的实际情况，确定该用户可能存在的人身、健康和财产等风险，并为该用户制定对应的保险业务方案等处理中，为了提高保险业务的处理效率，本实施例中以执行主体为服务器为例进行说明，对于终端设备的情况，可以根据下述相关内容处理，在此不再赘述。该方法具体可以包括以下步骤：
在步骤S402中，获取目标用户针对保险业务的保险诉求信息。
在步骤S404中，基于上述保险诉求信息，从预定的区块链节点中获取目标用户的目标历史数据，该目标历史数据中至少包括用于表征该保险诉求信息的相关历史数据。
其中，该目标历史数据中包括目标用户的历史行为数据和目标用户的历史结果数据。区块链节点为联盟链中的节点、私有链中的节点或公有链中的节点。
上述步骤S402和步骤S404的步骤内容分别与上述实施例二中步骤S302和步骤S304的步骤内容相同，步骤S402和步骤S404的具体处理过程可以分别参见上述步骤S302和步骤S304中的相关内容，在此不再赘述。
在步骤S406中，将上述目标历史数据和上述保险诉求信息输入到保险类型模型中进行计算，得到目标用户对应的目标保险类型。
其中，保险类型模型可以通过多种方式构建，例如可以通过聚类算法构建该保险类型模型，其中的聚类算法可以包括k-means算法、k-medoids算法、Birch算法和Cure算法等中的一个或多个，也可以通过相似度匹配算法构建该保险类型模型，其中的相似度匹配算法可以是基于欧几里得距离的相关算法、基于切比雪夫距离的相关算法和基于曼哈顿距离的相关算法等，还可以基于聚类算法和相似度匹配算法共同构建该保险类型模型，本说明书实施例对保险类型模型的构建方式不做限定。保险类型模型的构建方式不同，得到目标用户对应的目标保险类型的处理过程也可以不同，具体可以基于保险类型模型中的相关算法进行处理。
在步骤S408中，根据上述目标保险类型、上述目标历史数据和上述保险诉求信息，生成针对目标用户的保险业务方案。
在步骤S410中，将上述保险业务方案发送给目标用户。
在步骤S412中，当接收到目标用户对保险业务方案的操作行为数据后，将该操作行为数据存储到预定的区块链节点中。
其中，该区块链节点为联盟链中的节点、私有链中的节点或公有链中的节点。
上述步骤S408～步骤S412的步骤内容分别与上述实施例二中步骤S310～步骤S314的步骤内容相同，步骤S408～步骤S412的具体处理过程可以分别参见上述步骤S310～步骤S314中的相关内容，在此不再赘述。
本说明书实施例提供一种保险业务的处理方法，通过获取目标用户针对保险业务的保险诉求信息，然后，可以基于该保险诉求信息，从预定的区块链节点中获取目标用户的目标历史数据，该目标历史数据中至少包括用于表征该保险诉求信息的相关历史数据，可以根据该目标历史数据和该保险诉求信息，生成针对目标用户的保险业务方案，这样，可以通过目标用户的保险诉求信息和用于表征该保险诉求信息的相关历史数据，为目标用户定制专属的保险业务方案，由于保险业务方案是基于目标用户的相关信息生成的，因此生成的保险业务方案可以根据用户的不同而不同，而且，保险业务方案是基于目标用户的保险诉求信息和相关历史数据生成的，因此，生成的保险业务方案更符合目标用户的需求，从而可以大大提高用户对保险业务方案的投保率，提高用户体验。
实施例四
以上为本说明书实施例提供的保险业务的处理方法，基于同样的思路，本说明书实施例还提供一种保险业务的处理装置，如图5所示。
该保险业务的处理装置包括：信息获取模块501、历史数据获取模块502和保险方案生成模块503，其中：
信息获取模块501，用于获取目标用户针对保险业务的保险诉求信息；
历史数据获取模块502，用于基于所述保险诉求信息，从预定的区块链节点中获取所述目标用户的目标历史数据，所述目标历史数据中至少包括用于表征所述保险诉求信息的相关历史数据；
保险方案生成模块503，用于根据所述目标历史数据和所述保险诉求信息，生成针对所述目标用户的保险业务方案。
本说明书实施例中，所述目标历史数据中包括所述目标用户的历史行为数据和所述目标用户的历史结果数据。
本说明书实施例中，所述保险方案生成模块503，包括：
第一类型确定单元，用于将所述目标历史数据和所述保险诉求信息输入到保险类型模型中进行计算，得到所述目标用户对应的目标保险类型；
保险方案生成单元，用于根据所述目标保险类型、所述目标历史数据和所述保险诉求信息，生成针对所述目标用户的保险业务方案。
本说明书实施例中，所述保险方案生成模块503，包括：
第二类型确定单元，用于根据所述目标历史数据，确定所述目标用户对应的预选保险类型；
目标类型确定单元，用于对所述目标用户对应的预选保险类型和所述保险诉求信息进行匹配计算，确定所述目标用户对应的目标保险类型；
保险方案生成单元，用于根据所述目标保险类型、所述目标历史数据和所述保险诉求信息，生成针对所述目标用户的保险业务方案。
本说明书实施例中，所述装置还包括：
发送模块，用于将所述保险业务方案发送给所述目标用户；
存储模块，用于当接收到所述目标用户对所述保险业务方案的操作行为数据后，将所述操作行为数据存储到预定的区块链节点中。
本说明书实施例中，所述区块链节点为联盟链中的节点、私有链中的节点或公有链中的节点。
本说明书实施例提供一种保险业务的处理装置，通过获取目标用户针对保险业务的保险诉求信息，然后，可以基于该保险诉求信息，从预定的区块链节点中获取目标用户的目标历史数据，该目标历史数据中至少包括用于表征该保险诉求信息的相关历史数据，可以根据该目标历史数据和该保险诉求信息，生成针对目标用户的保险业务方案，这样，可以通过目标用户的保险诉求信息和用于表征该保险诉求信息的相关历史数据，为目标用户定制专属的保险业务方案，由于保险业务方案是基于目标用户的相关信息生成的，因此生成的保险业务方案可以根据用户的不同而不同，而且，保险业务方案是基于目标用户的保险诉求信息和相关历史数据生成的，因此，生成的保险业务方案更符合目标用户的需求，从而可以大大提高用户对保险业务方案的投保率，提高用户体验。
实施例五
以上为本说明书实施例提供的保险业务的处理装置，基于同样的思路，本说明书实施例还提供一种保险业务的处理设备，如图6所示。
所述保险业务的处理设备可以为上述实施例提供的服务器或终端设备。
保险业务的处理设备可因配置或性能不同而产生比较大的差异，可以包括一个或一个以上的处理器601和存储器602，存储器602中可以存储有一个或一个以上存储应用程序或数据。其中，存储器602可以是短暂存储或持久存储。存储在存储器602的应用程序可以包括一个或一个以上模块(图示未示出)，每个模块可以包括对保险业务的处理设备中的一系列计算机可执行指令。更进一步地，处理器601可以设置为与存储器602通信，在保险业务的处理设备上执行存储器602中的一系列计算机可执行指令。保险业务的处理设备还可以包括一个或一个以上电源603，一个或一个以上有线或无线网络接口604，一个或一个以上输入输出接口605，一个或一个以上键盘606。
具体在本实施例中，保险业务的处理设备包括有存储器，以及一个或一个以上的程序，其中一个或者一个以上程序存储于存储器中，且一个或者一个以上程序可以包括一个或一个以上模块，且每个模块可以包括对保险业务的处理设备中的一系列计算机可执行指令，且经配置以由一个或者一个以上处理器执行该一个或者一个以上程序包含用于进行以下计算机可执行指令：
获取目标用户针对保险业务的保险诉求信息；
基于所述保险诉求信息，从预定的区块链节点中获取所述目标用户的目标历史数据，所述目标历史数据中至少包括用于表征所述保险诉求信息的相关历史数据；
根据所述目标历史数据和所述保险诉求信息，生成针对所述目标用户的保险业务方案。
本说明书实施例中，所述目标历史数据中包括所述目标用户的历史行为数据和所述目标用户的历史结果数据。
本说明书实施例中，所述根据所述目标历史数据和所述保险诉求信息，生成针对所述目标用户的保险业务方案，包括：
将所述目标历史数据和所述保险诉求信息输入到保险类型模型中进行计算，得到所述目标用户对应的目标保险类型；
根据所述目标保险类型、所述目标历史数据和所述保险诉求信息，生成针对所 述目标用户的保险业务方案。
本说明书实施例中，所述根据所述目标历史数据和所述保险诉求信息，生成针对所述目标用户的保险业务方案，包括：
根据所述目标历史数据，确定所述目标用户对应的预选保险类型；
对所述目标用户对应的预选保险类型和所述保险诉求信息进行匹配计算，确定所述目标用户对应的目标保险类型；
根据所述目标保险类型、所述目标历史数据和所述保险诉求信息，生成针对所述目标用户的保险业务方案。
本说明书实施例中，还包括：
将所述保险业务方案发送给所述目标用户；
当接收到所述目标用户对所述保险业务方案的操作行为数据后，将所述操作行为数据存储到预定的区块链节点中。
本说明书实施例中，所述区块链节点为联盟链中的节点、私有链中的节点或公有链中的节点。
本说明书实施例提供一种保险业务的处理设备，通过获取目标用户针对保险业务的保险诉求信息，然后，可以基于该保险诉求信息，从预定的区块链节点中获取目标用户的目标历史数据，该目标历史数据中至少包括用于表征该保险诉求信息的相关历史数据，可以根据该目标历史数据和该保险诉求信息，生成针对目标用户的保险业务方案，这样，可以通过目标用户的保险诉求信息和用于表征该保险诉求信息的相关历史数据，为目标用户定制专属的保险业务方案，由于保险业务方案是基于目标用户的相关信息生成的，因此生成的保险业务方案可以根据用户的不同而不同，而且，保险业务方案是基于目标用户的保险诉求信息和相关历史数据生成的，因此，生成的保险业务方案更符合目标用户的需求，从而可以大大提高用户对保险业务方案的投保率，提高用户体验。
上述对本说明书特定实施例进行了描述。其它实施例在所附权利要求书的范围内。在一些情况下，在权利要求书中记载的动作或步骤可以按照不同于实施例中的顺序来执行并且仍然可以实现期望的结果。另外，在附图中描绘的过程不一定要求示出的特定顺序或者连续顺序才能实现期望的结果。在某些实施方式中，多任务处理和并行处理也是可以的或者可能是有利的。
在20世纪90年代，对于一个技术的改进可以很明显地区分是硬件上的改进(例如，对二极管、晶体管、开关等电路结构的改进)还是软件上的改进(对于方法流程的改进)。然而，随着技术的发展，当今的很多方法流程的改进已经可以视为硬件电路结构的直接改进。设计人员几乎都通过将改进的方法流程编程到硬件电路中来得到相应的硬件电路结构。因此，不能说一个方法流程的改进就不能用硬件实体模块来实现。例如，可编程逻辑器件(Programmable Logic Device，PLD)(例如现场可编程门阵列(Field Programmable Gate Array，FPGA))就是这样一种集成电路，其逻辑功能由用户对器件编程来确定。由设计人员自行编程来把一个数字系统“集成”在一片PLD上，而不需要请芯片制造厂商来设计和制作专用的集成电路芯片。而且，如今，取代手工地制作集成电路芯片，这种编程也多半改用“逻辑编译器(logic compiler)”软件来实现，它与程序开发撰写时所用的软件编译器相类似，而要编译之前的原始代码也得用特定的编程语言来撰写，此称之为硬件描述语言(Hardware Description Language，HDL)，而HDL也并非仅有一种，而是有许多种，如ABEL(Advanced Boolean Expression Language)、AHDL(Altera Hardware Description Language)、Confluence、CUPL(Cornell University Programming Language)、HDCal、JHDL(Java Hardware Description Language)、Lava、Lola、MyHDL、PALASM、RHDL(Ruby Hardware Description Language)等，目前最普遍使用的是VHDL(Very-High-Speed Integrated Circuit Hardware Description Language)与Verilog。本领域技术人员也应该清楚，只需要将方法流程用上述几种硬件描述语言稍作逻辑编程并编程到集成电路中，就可以很容易得到实现该逻辑方法流程的硬件电路。
控制器可以按任何适当的方式实现，例如，控制器可以采取例如微处理器或处理器以及存储可由该(微)处理器执行的计算机可读程序代码(例如软件或固件)的计算机可读介质、逻辑门、开关、专用集成电路(Application Specific Integrated Circuit，ASIC)、可编程逻辑控制器和嵌入微控制器的形式，控制器的例子包括但不限于以下微控制器：ARC 625D、Atmel AT91SAM、Microchip PIC18F26K20以及Silicone Labs C8051F320，存储器控制器还可以被实现为存储器的控制逻辑的一部分。本领域技术人员也知道，除了以纯计算机可读程序代码方式实现控制器以外，完全可以通过将方法步骤进行逻辑编程来使得控制器以逻辑门、开关、专用集成电路、可编程逻辑控制器和嵌入微控制器等的形式来实现相同功能。因此这种控制器可以被认为是一种硬件部件，而对其内包括的用于实现各种功能的装置也可以视为硬件部件内的结构。或者甚至，可以将用于实现各种功能的装置视为既可以是实现方法的软件模块又可以是硬件部件内的结构。
上述实施例阐明的系统、装置、模块或单元，具体可以由计算机芯片或实体实现，或者由具有某种功能的产品来实现。一种典型的实现设备为计算机。具体的，计算机例如可以为个人计算机、膝上型计算机、蜂窝电话、相机电话、智能电话、个人数字助理、媒体播放器、导航设备、电子邮件设备、游戏控制台、平板计算机、可穿戴设备或者这些设备中的任何设备的组合。
为了描述的方便，描述以上装置时以功能分为各种单元分别描述。当然，在实施本说明书一个或多个实施例时可以把各单元的功能在同一个或多个软件和/或硬件中实现。
本领域内的技术人员应明白，本说明书的实施例可提供为方法、系统、或计算机程序产品。因此，本说明书一个或多个实施例可采用完全硬件实施例、完全软件实施例、或结合软件和硬件方面的实施例的形式。而且，本说明书一个或多个实施例可采用在一个或多个其中包含有计算机可用程序代码的计算机可用存储介质(包括但不限于磁盘存储器、CD-ROM、光学存储器等)上实施的计算机程序产品的形式。
本说明书的实施例是参照根据本说明书实施例的方法、设备(系统)、和计算机程序产品的流程图和/或方框图来描述的。应理解可由计算机程序指令实现流程图和/或方框图中的每一流程和/或方框、以及流程图和/或方框图中的流程和/或方框的结合。可提供这些计算机程序指令到通用计算机、专用计算机、嵌入式处理机或其他可编程数据处理设备的处理器以产生一个机器，使得通过计算机或其他可编程数据处理设备的处理器执行的指令产生用于实现在流程图一个流程或多个流程和/或方框图一个方框或多个方框中指定的功能的装置。
这些计算机程序指令也可存储在能引导计算机或其他可编程数据处理设备以特定方式工作的计算机可读存储器中，使得存储在该计算机可读存储器中的指令产生包括指令装置的制造品，该指令装置实现在流程图一个流程或多个流程和/或方框图一个方框或多个方框中指定的功能。
这些计算机程序指令也可装载到计算机或其他可编程数据处理设备上，使得在计算机或其他可编程设备上执行一系列操作步骤以产生计算机实现的处理，从而在计算机或其他可编程设备上执行的指令提供用于实现在流程图一个流程或多个流程和/或方框图一个方框或多个方框中指定的功能的步骤。
在一个典型的配置中，计算设备包括一个或多个处理器(CPU)、输入/输出接 口、网络接口和内存。
内存可能包括计算机可读介质中的非永久性存储器，随机存取存储器(RAM)和/或非易失性内存等形式，如只读存储器(ROM)或闪存(flash RAM)。内存是计算机可读介质的示例。
计算机可读介质包括永久性和非永久性、可移动和非可移动媒体可以由任何方法或技术来实现信息存储。信息可以是计算机可读指令、数据结构、程序的模块或其他数据。计算机的存储介质的例子包括，但不限于相变内存(PRAM)、静态随机存取存储器(SRAM)、动态随机存取存储器(DRAM)、其他类型的随机存取存储器(RAM)、只读存储器(ROM)、电可擦除可编程只读存储器(EEPROM)、快闪记忆体或其他内存技术、只读光盘只读存储器(CD-ROM)、数字多功能光盘(DVD)或其他光学存储、磁盒式磁带，磁带磁磁盘存储或其他磁性存储设备或任何其他非传输介质，可用于存储可以被计算设备访问的信息。按照本文中的界定，计算机可读介质不包括暂存电脑可读媒体(transitory media)，如调制的数据信号和载波。
还需要说明的是，术语“包括”、“包含”或者其任何其他变体意在涵盖非排他性的包含，从而使得包括一系列要素的过程、方法、商品或者设备不仅包括那些要素，而且还包括没有明确列出的其他要素，或者是还包括为这种过程、方法、商品或者设备所固有的要素。在没有更多限制的情况下，由语句“包括一个……”限定的要素，并不排除在包括所述要素的过程、方法、商品或者设备中还存在另外的相同要素。
本领域技术人员应明白，本说明书的实施例可提供为方法、系统或计算机程序产品。因此，本说明书一个或多个实施例可采用完全硬件实施例、完全软件实施例或结合软件和硬件方面的实施例的形式。而且，本说明书一个或多个实施例可采用在一个或多个其中包含有计算机可用程序代码的计算机可用存储介质(包括但不限于磁盘存储器、CD-ROM、光学存储器等)上实施的计算机程序产品的形式。
本说明书一个或多个实施例可以在由计算机执行的计算机可执行指令的一般上下文中描述，例如程序模块。一般地，程序模块包括执行特定任务或实现特定抽象数据类型的例程、程序、对象、组件、数据结构等等。也可以在分布式计算环境中实践本说明书一个或多个实施例，在这些分布式计算环境中，由通过通信网络而被连接的远程处理设备来执行任务。在分布式计算环境中，程序模块可以位于包括存储设备在内的本地和远程计算机存储介质中。
本说明书中的各个实施例均采用递进的方式描述，各个实施例之间相同相似的部分互相参见即可，每个实施例重点说明的都是与其他实施例的不同之处。尤其，对于系统实施例而言，由于其基本相似于方法实施例，所以描述的比较简单，相关之处参见方法实施例的部分说明即可。
以上所述仅为本说明书的实施例而已，并不用于限制本说明书。对于本领域技术人员来说，本说明书可以有各种更改和变化。凡在本说明书的精神和原理之内所作的任何修改、等同替换、改进等，均应包含在本说明书的权利要求范围之内。

Claims (13)

  1. 一种保险业务的处理方法，所述方法包括：
    获取目标用户针对保险业务的保险诉求信息；
    基于所述保险诉求信息，从预定的区块链节点中获取所述目标用户的目标历史数据，所述目标历史数据中至少包括用于表征所述保险诉求信息的相关历史数据；
    根据所述目标历史数据和所述保险诉求信息，生成针对所述目标用户的保险业务方案。
  2. 根据权利要求1所述的方法，所述目标历史数据中包括所述目标用户的历史行为数据和所述目标用户的历史结果数据。
  3. 根据权利要求1所述的方法，所述根据所述目标历史数据和所述保险诉求信息，生成针对所述目标用户的保险业务方案，包括：
    将所述目标历史数据和所述保险诉求信息输入到保险类型模型中进行计算，得到所述目标用户对应的目标保险类型；
    根据所述目标保险类型、所述目标历史数据和所述保险诉求信息，生成针对所述目标用户的保险业务方案。
  4. 根据权利要求1所述的方法，所述根据所述目标历史数据和所述保险诉求信息，生成针对所述目标用户的保险业务方案，包括：
    根据所述目标历史数据，确定所述目标用户对应的预选保险类型；
    对所述目标用户对应的预选保险类型和所述保险诉求信息进行匹配计算，确定所述目标用户对应的目标保险类型；
    根据所述目标保险类型、所述目标历史数据和所述保险诉求信息，生成针对所述目标用户的保险业务方案。
  5. 根据权利要求1所述的方法，所述方法还包括：
    将所述保险业务方案发送给所述目标用户；
    当接收到所述目标用户对所述保险业务方案的操作行为数据后，将所述操作行为数据存储到预定的区块链节点中。
  6. 根据权利要求5所述的方法，所述区块链节点为联盟链中的节点、私有链中的 节点或公有链中的节点。
  7. 一种保险业务的处理装置，所述装置包括：
    信息获取模块，用于获取目标用户针对保险业务的保险诉求信息；
    历史数据获取模块，用于基于所述保险诉求信息，从预定的区块链节点中获取所述目标用户的目标历史数据，所述目标历史数据中至少包括用于表征所述保险诉求信息的相关历史数据；
    保险方案生成模块，用于根据所述目标历史数据和所述保险诉求信息，生成针对所述目标用户的保险业务方案。
  8. 根据权利要求7所述的装置，所述目标历史数据中包括所述目标用户的历史行为数据和所述目标用户的历史结果数据。
  9. 根据权利要求7所述的装置，所述保险方案生成模块，包括：
    第一类型确定单元，用于将所述目标历史数据和所述保险诉求信息输入到保险类型模型中进行计算，得到所述目标用户对应的目标保险类型；
    保险方案生成单元，用于根据所述目标保险类型、所述目标历史数据和所述保险诉求信息，生成针对所述目标用户的保险业务方案。
  10. 根据权利要求7所述的装置，所述保险方案生成模块，包括：
    第二类型确定单元，用于根据所述目标历史数据，确定所述目标用户对应的预选保险类型；
    目标类型确定单元，用于对所述目标用户对应的预选保险类型和所述保险诉求信息进行匹配计算，确定所述目标用户对应的目标保险类型；
    保险方案生成单元，用于根据所述目标保险类型、所述目标历史数据和所述保险诉求信息，生成针对所述目标用户的保险业务方案。
  11. 根据权利要求7所述的装置，所述装置还包括：
    发送模块，用于将所述保险业务方案发送给所述目标用户；
    存储模块，用于当接收到所述目标用户对所述保险业务方案的操作行为数据后，将所述操作行为数据存储到预定的区块链节点中。
  12. 根据权利要求11所述的装置，所述区块链节点为联盟链中的节点、私有链中的节点或公有链中的节点。
  13. 一种保险业务的处理设备，所述保险业务的处理设备包括：
    处理器；以及
    被安排成存储计算机可执行指令的存储器，所述可执行指令在被执行时使所述处理器：
    获取目标用户针对保险业务的保险诉求信息；
    基于所述保险诉求信息，从预定的区块链节点中获取所述目标用户的目标历史数据，所述目标历史数据中至少包括用于表征所述保险诉求信息的相关历史数据；
    根据所述目标历史数据和所述保险诉求信息，生成针对所述目标用户的保险业务方案。
PCT/CN2019/101675 2018-10-26 2019-08-21 一种保险业务的处理方法、装置及设备 WO2020082872A1 (zh)

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