CN109285078A - Give the method, apparatus, computer equipment and storage medium of insurance - Google Patents
Give the method, apparatus, computer equipment and storage medium of insurance Download PDFInfo
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- 238000003860 storage Methods 0.000 title claims abstract description 11
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- 230000006399 behavior Effects 0.000 claims description 109
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Abstract
The embodiment of the invention discloses a kind of method, apparatus for giving insurance products, computer equipment and storage mediums, include the following steps: the behavior factor for obtaining target customer, wherein, the behavior factor is accustomed to production by acquiring the daily behavior of the target customer；Insurance is given with mapping relations with the behavior factor according to the confirmation of preset mapping ruler；Insurance is given to described in target customer push.Wherein, behavior factor includes behavior safety score, is calculated according to behavior safety score and first gives dangerous coefficient, by first give that dangerous coefficient calculates the client give dangerous amount, in addition giving dangerous amount can also adjust according to the attribute factor of client.Based on user behavior data, user's portrait is analyzed, keeps the insurance products given related to client, plays the role of business development, it is related to the behavior of client and attribute to give dangerous amount, under the premise of offer client rationally ensures, avoids that insure odds excessively high.
Description
Technical field
The present invention relates to insurance fields.More particularly to a kind of method, apparatus for giving insurance, computer equipment and storage are situated between
Matter.
Background technique
Insurance, refers to based on contract insurer arranges, to insurer's premium payment, the insurer can for contract engagement
The accident that can occur because its property loss caused by occurring undertake compensation insurance gold responsibility or insurant's death, disability,
Disease or while reaching the conditions such as the age of contract engagement, time limit, undertake the business insurance behavior of payment insurance money responsibility.
Now in some business development activities, insurance can be given to client, for example, platform attracts new client, new to produce
The popularization etc. of product.But if the insurance given is uncorrelated to user, the purpose of business development is not achieved.If amount is arranged not
Rationally, it is excessively high that odds be may cause.The difference for not considering client mostly to the insurance that client gives before, gives to the guarantor of client
Danger be it is the same, some clients are uncorrelated therewith, and the insurance given just is ignored, and also do not play the mesh of business development
's.
Summary of the invention
The present invention provides a kind of behavior safety according to client and the movable environment of customer action, gives correspondence for client
Insurance, and can for client behavior safety customization insurance amount, method.
In order to solve the above technical problems, the present invention proposes that one kind gives insurance products method.
Include the following steps:
Obtain the behavior factor of target customer, wherein the daily row that the behavior factor passes through the acquisition target customer
It is produced for habit；
Insurance is given with mapping relations with the behavior factor according to the confirmation of preset mapping ruler；
Insurance is given to described in target customer push.
Optionally, described to give insurance with mapping relations with the behavior factor according to the confirmation of preset mapping ruler
The step of after further include:
Determine the target customer according to the behavior factor first gives dangerous coefficient；
Dangerous coefficient is given according to described first, the first amount of insurance is given described in calculating；
Determine that the first amount is the amount for giving insurance.
Optionally, the behavior factor includes the safety score of crawler behavior, described to be determined according to the behavior factor
The first of target customer the step of giving dangerous coefficient further include:
Obtain the activity trajectory of target customer；
According to preset computation rule, the safety score of the corresponding crawler behavior of the activity trajectory is calculated；
According to the safety score of the crawler behavior, determine that described first gives dangerous coefficient.
Optionally, the behavior factor includes the environment of crawler behavior, described according to the confirmation of preset mapping ruler and institute
Stating behavior factor has the step of giving insurance of mapping relations further include:
Obtain the activity program of target customer；
According to the activity program of target customer, the environment of the crawler behavior of target customer's plan is judged；
Insurance is given according to what the confirmation of preset mapping ruler and the environment of the crawler behavior there are a mapping relations.
Optionally, after described the step of giving dangerous coefficient according to described first, the first amount of insurance is given described in calculating
Further include:
Obtain the attribute factor of the target customer；
Determine the target customer according to the attribute factor second gives dangerous coefficient；
Dangerous coefficient and second is given according to described first and gives dangerous coefficient, and the second amount of insurance is given described in calculating；
Determine that second amount is the amount for giving insurance.
Optionally, described to give insurance with mapping relations with the behavior factor according to the confirmation of preset mapping ruler
The step of after further include:
Obtain the existing insurance products list of target customer；
It gives insurance by described and is compared with the existing insurance products list；
When the existing insurance products list do not include it is described give insurance when, insurance is given described in confirmation as to described
The insurance products that target customer gives.
It is optionally, described to after the step of giving insurance described in target customer push further include:
Obtain the execution information of the preset task of target customer；
Condition and the execution information are got according to preset danger of giving, judges the target customer gives danger described in whether reaching
Get condition；
Condition is got when the target customer reaches the danger of giving, determines that the target customer gives giving for insurance described in being
By people.
To solve the above problems, the present invention also provides a kind of devices for giving insurance, comprising:
Module is obtained, for obtaining the behavior factor of target customer, wherein the behavior factor is by acquiring the target
The daily behavior of client is accustomed to and is produced；
Processing module, for giving guarantor with mapping relations with the behavior factor according to the confirmation of preset mapping ruler
Danger；
Execution module, for giving insurance to described in target customer push.
Optionally, the device for giving insurance further include:
First acquisition submodule, for determining that the first of the target customer gives dangerous coefficient according to the behavior factor；
First processing submodule gives the first amount of insurance for giving dangerous coefficient according to described first described in calculating；
First implementation sub-module, for determining that the first amount is the amount for giving insurance.
Optionally, the device for giving insurance further include:
Second acquisition submodule, for obtaining the activity trajectory of target customer；
Second processing submodule, for calculating the corresponding crawler behavior of the activity trajectory according to preset computation rule
Safety score；
Second implementation sub-module determines that described first gives dangerous coefficient for the safety score according to the crawler behavior.
Optionally, the device for giving insurance further include:
Third acquisition submodule, for obtaining the activity program of target customer；
Third handles submodule, for the activity program according to target customer, judges the activity of target customer's plan
The environment of behavior；
Third implementation sub-module, for thering is mapping to close according to the confirmation of preset mapping ruler and the environment of the crawler behavior
System gives insurance.
Optionally, the device for giving insurance further include:
4th acquisition submodule, for obtaining the attribute factor of the target customer；
Fourth process submodule, for determining that the second of the target customer gives dangerous coefficient according to the attribute factor；
4th computational submodule gives dangerous coefficient for giving dangerous coefficient and second according to described first, guarantor is given described in calculating
Second amount of danger；
4th implementation sub-module, for determining that second amount is the amount for giving insurance.
Optionally, the device for giving insurance further include:
5th acquisition submodule, for obtaining the existing insurance products list of target customer；
5th acquisition submodule, for giving insurance by described and being compared with the existing insurance products list；
5th implementation sub-module, for when the existing insurance products list do not include it is described give insurance when, confirmation
It is described to give the insurance products insured to give to the target customer.
Optionally, the device for giving insurance further include:
6th acquisition submodule, the execution information of the preset task for obtaining target customer；
6th processing submodule judges the target for getting condition and the execution information according to preset danger of giving
Whether client, which reaches the danger of giving, is got condition；
6th implementation sub-module determines the target visitor for getting condition when the target customer reaches the danger of giving
Family is described to give the giving by people of insurance.
In order to solve the above technical problems, the embodiment of the present invention also provides a kind of computer equipment, including memory and processing
Device is stored with computer-readable instruction in the memory, when the computer-readable instruction is executed by the processor, so that
The processor executes the step of giving insurance products method described above.
In order to solve the above technical problems, the embodiment of the present invention also provides a kind of storage Jie for being stored with computer-readable instruction
Matter, when the computer-readable instruction is executed by one or more processors, so that one or more processors execute above-mentioned institute
State the step of giving insurance products method.
The behavior factor of the embodiment of the present invention having the beneficial effect that by obtaining target customer, wherein the behavior factor
Daily behavior by acquiring the target customer is accustomed to production, according to default rule, for the pushes customer and its behavior
The factor has the insurance products of mapping relations.Wherein, behavior factor includes behavior safety score, according to behavior safety score
Calculate and first give dangerous coefficient, by first give that dangerous coefficient calculates the client give dangerous amount, in addition giving dangerous amount can also basis
The attribute factor of client adjusts.The insurance products given are related to client, play the role of business development, give dangerous amount and client
Behavior it is related to attribute, provide client rationally ensures under the premise of, avoid insure odds it is excessively high.
Detailed description of the invention
To describe the technical solutions in the embodiments of the present invention more clearly, make required in being described below to embodiment
Attached drawing is briefly described, it should be apparent that, drawings in the following description are only some embodiments of the invention, for
For those skilled in the art, without creative efforts, it can also be obtained according to these attached drawings other attached
Figure.
Fig. 1 is that the embodiment of the present invention gives insurance products method basic procedure schematic diagram；
Fig. 2 is that the embodiment of the present invention determines the first amount flow diagram；
Fig. 3 is that the embodiment of the present invention determines that first gives dangerous coefficient flow diagram；
Fig. 4 is that the embodiment of the present invention determines the second amount flow diagram；
Fig. 5 is that the embodiment of the present invention determines insurance products flow diagram；
Fig. 6 is that the embodiment of the present invention and existing insurance products compare flow diagram；
Fig. 7 is that the embodiment of the present invention gives danger and gets condition and judge flow diagram；
Fig. 8 is the device basic structure block diagram that the embodiment of the present invention gives insurance；
Fig. 9 is computer equipment of embodiment of the present invention basic structure block diagram.
Specific embodiment
In order to enable those skilled in the art to better understand the solution of the present invention, below in conjunction in the embodiment of the present invention
Attached drawing, technical scheme in the embodiment of the invention is clearly and completely described.
In some processes of the description in description and claims of this specification and above-mentioned attached drawing, contain according to
Multiple operations that particular order occurs, but it should be clearly understood that these operations can not be what appears in this article suitable according to its
Sequence is executed or is executed parallel, and serial number of operation such as 101,102 etc. is only used for distinguishing each different operation, serial number
It itself does not represent and any executes sequence.In addition, these processes may include more or fewer operations, and these operations can
To execute or execute parallel in order.It should be noted that the description such as " first " herein, " second ", is for distinguishing not
Same message, equipment, module etc., does not represent sequencing, does not also limit " first " and " second " and be different type.
Following will be combined with the drawings in the embodiments of the present invention, and technical solution in the embodiment of the present invention carries out clear, complete
Site preparation description, it is clear that described embodiments are only a part of the embodiments of the present invention, instead of all the embodiments.It is based on
Embodiment in the present invention, those skilled in the art's every other implementation obtained without creative efforts
Example, shall fall within the protection scope of the present invention.
Embodiment
Those skilled in the art of the present technique are appreciated that " terminal " used herein above, " terminal device " both include wireless communication
The equipment of number receiver, only has the equipment of the wireless signal receiver of non-emissive ability, and including receiving and emitting hardware
Equipment, have on bidirectional communication link, can execute two-way communication reception and emit hardware equipment.This equipment
It may include: honeycomb or other communication equipments, shown with single line display or multi-line display or without multi-line
The honeycomb of device or other communication equipments；PCS (Personal Communications Service, PCS Personal Communications System), can
With combine voice, data processing, fax and/or communication ability；PDA (Personal Digital Assistant, it is personal
Digital assistants), it may include radio frequency receiver, pager, the Internet/intranet access, web browser, notepad, day
It goes through and/or GPS (Global Positioning System, global positioning system) receiver；Conventional laptop and/or palm
Type computer or other equipment, have and/or the conventional laptop including radio frequency receiver and/or palmtop computer or its
His equipment." terminal " used herein above, " terminal device " can be it is portable, can transport, be mounted on the vehicles (aviation,
Sea-freight and/or land) in, or be suitable for and/or be configured in local runtime, and/or with distribution form, operate in the earth
And/or any other position operation in space." terminal " used herein above, " terminal device " can also be communication terminal, on
Network termination, music/video playback terminal, such as can be PDA, MID (Mobile Internet Device, mobile Internet
Equipment) and/or mobile phone with music/video playing function, it is also possible to the equipment such as smart television, set-top box.
Client terminal in present embodiment is above-mentioned terminal.
Specifically, referring to Fig. 1, Fig. 1 is the basic procedure schematic diagram that the present embodiment gives insurance products method.
As shown in Figure 1, give insurance products method the following steps are included:
S1100, the behavior factor for obtaining target customer, wherein the behavior factor is by acquiring the target customer's
Daily behavior is accustomed to and is produced；
The behavior factor of target customer, wherein target customer refers to the object for giving insurance products, in order to make the insurance given
Product is related to target customer, to analyze the crawler behavior of user, that is, obtain the behavior factor of target customer.Behavior factor is mesh
Mark the feature of client activities behavior, environment including target customer's behavioral activity, occupation, the plan of travel, the friendship used being engaged in
Logical tool etc..
The behavior factor of target customer is obtained, main to be collected by client terminal, the occupation that wherein target customer is engaged in,
It can be obtained by the attribute of the target customer kept in reading database.
The environment of target customer's behavioral activity is analyzed by reading the positioning record of client terminal.
The plan of travel of target customer, the vehicles used are sent to the message acquisition of client terminal by reading.
S1200, insurance is given with mapping relations with the behavior factor according to the confirmation of preset mapping ruler；
When mapping ruler depends on insurance company's exploitation insurance products, to the condition of the client's setting for the product of insuring.It protects
Dangerous company develops different insurance products for different behavioural characteristics, for example, being directed to the client of airplane, provides aviation meaning
Outer danger；For the client of abroad tourism, tourism accident insurance is provided；For driver, driver's accident insurance etc. is provided.The present invention is implemented
In example, the mapping relations between behavior factor and insurance products are the relationship of multi-to-multi, for example, get the behavior of certain client because
Son: occupation is driver, has bought an air ticket, flies to Beijing after a week from Shenzhen, has ordered the tourism set of a Great Wall one-day tour
Meal.There are aviation accident insurance, tourism accident insurance, driver's accident insurance with the insurance products of the behavior factor phase mapping of the client.Root
There are the insurance products of mapping relations according to the confirmation of preset mapping relations, the behavior factor by comparing client is set with insurance products
Fixed condition of insuring confirms that this product and the client have when the factor in behavior factor is consistent with the condition of insuring of setting
There are mapping relations.
S1300, insurance is given to described in target customer push.
Insurance products relevant to target customer have been determined, in server end, have been write in the record of insuring of the target customer
Enter the insurance products, indicates that the client has insured the insurance products.And it is sent to client where target customer and gives disappearing for insurance
Breath.
As shown in Fig. 2, S1200 is further comprising the steps of:
S1201, determine that the first of the target customer gives dangerous coefficient according to the behavior factor；
It is different according to the behavioural characteristic of target customer to avoid excessively high odds, the insurance amount that curstomer-oriented is given
It is different, that is to say, that when settling a claim, to compensate different to the amount of money of client.It is therefore necessary to be directed to different behavioural characteristics, if
It is fixed different to give dangerous coefficient.
S1202, dangerous coefficient is given according to described first, the first amount of insurance is given described in calculating；
In the embodiment of the present invention, dangerous coefficient is given between [0,1], and giving dangerous coefficient is 1, corresponds to the maximum amount of this insurance
Degree, that is to say, that in case of settling a claim, compensate this highest insured to target customer and compensate amount.The highest of insurance products is paid for
It is preset for paying amount.Determine insurance products for the client insure amount when, use first give dangerous coefficient and setting
Insurance products highest compensate amount be multiplied, obtain giving to the amount of the insurance products of the client.
S1203, determine that the first amount is the amount for giving insurance.
Dangerous coefficient is given with first to be multiplied with setting insurance products highest amount, obtains the first amount, determines that this amount is to give
Give the amount of the insurance products of the client.
As shown in figure 3, S1201 is further comprising the steps of:
S1211, the activity trajectory for obtaining target customer；
In the embodiment of the present invention, by analyzing the historical act track of target customer, to calculate target customer's activity row
For safety score.The historical act track of target customer is obtained by reading the positioning record of client terminal.The present invention
Embodiment records the activity trajectory of target customer by the positioning system being mounted on mobile phone.Positioning system can use
Positioning based on GPS, the positioning method based on GPS are to be sent the position signal of oneself using the GPS positioning module on mobile phone
Mobile phone positioning is realized to positioning backstage.It can also be using the positioning of the base station based on mobile operation network.Base station location is then
Mobile phone location is determined to the measuring and calculating distance of the distance of mobile phone using base station.The latter, which does not need mobile phone, has GPS positioning ability,
But precision depends greatly on the distribution of base station and the size of coverage area, error can be more than one kilometer sometimes.The former is fixed
Position precision is higher.By location technology, the position of target customer is identified on the electronic map.
S1212, according to preset computation rule, calculate the safety score of the corresponding crawler behavior of the activity trajectory；
Safety score is a kind of index for assessing the safety of target customer's behavioral activity, in the embodiment of the present invention, uses this
A index is given to determine to the insurance amount of the client.Before computational security score, setup algorithm regular, the present invention is real
Applying computation rule in example is, the movement speed of 100% time target customer is less than 10km/h, it is believed that target customer's activity row
For safety be 100 points；When the movement speed of target customer is greater than 10km/h, less than 60km/h, it is believed that the target customer's
Safety score will beat certain discount, be set as 80 points；When target customer movement speed be greater than 60km/h, be less than 150km/h,
Target customer's crawler behavior safety score needs to sound the night watches bigger discount, is set as 60 points of movement speeds for working as target customer
Greater than 150km/h, it is believed that the client uses public transport, including high-speed train, aircraft, the safety point of the client
Number is higher relative to the above two, is set as 90 points.The safety score of target customer is calculated based on rule above-mentioned, such as: analysis
Nearly one month activity trajectory of certain target customer, occupation are housewife, and 70% time is located at resident living area, mobile speed
Degree is less than 10km/h；15% time movement speed is greater than 10km/h, is less than 60km/h, and 10% time movement speed is greater than
60km/h is less than 150km/h, and 5% time movement speed is greater than 150km/h, and the safety score of the client is 100*70%+
80*15%+60*10%+80*5%=92.
S1213, according to the safety score of the crawler behavior, determine that described first gives dangerous coefficient.
It calculates the safety score of client, in the embodiment of the present invention, with safety score divided by 100, obtains first and give
Dangerous coefficient, that is to say, that it is 0.92 that first of the client in aforementioned citing, which gives dangerous coefficient,.
As shown in figure 4, it is further comprising the steps of to give insurance products method:
S1120, the attribute factor for obtaining the target customer；
In the embodiment of the present invention, the attribute of target customer also will affect the amount that insurance is given to the client.Target customer
Attribute factor, refer to influence insurance amount client itself attribute, gender, age including target customer, occupation, market
Upper many insurance products can change accordingly protection amount and the expense insured according to the gender of client, age, occupation.Mesh
The acquisition for marking the attribute factor of client is directly read if having preserved the relevant information of target customer in the server；It is no
Then, it is collected by the user interface of client to user.
S1220, determine that the second of the target customer gives dangerous coefficient according to the attribute factor；
In the embodiment of the present invention, the insurance kind given is substantially accident insurance, is confirmed according to the attribute factor of target customer
Second when giving dangerous coefficient, the main influence for considering attribute factor to ensured accident probability of happening is insured.With regard to gender
Speech, generally believes that the probability of happening of male's accident is higher than women, so relative to women, the identical a insurance given
The insured amount protection amount relative to women client of product, male client will beat certain discount, this discount is exactly second to give dangerous system
Number.Likewise, according to statistical data, it is every that the probability of happening of the accident of different age group also can be different for the age
Dangerous coefficient is given in one age bracket setting, and here it is second in the embodiment of the present invention to give dangerous coefficient.In some embodiments, comprehensive
The gender for considering target customer, age, occupation are closed, obtain the user gives dangerous coefficient, this is also of the present invention second
Give dangerous coefficient.
S1320, dangerous coefficient and second is given according to described first giving dangerous coefficient, the second amount of insurance is given described in calculating；
When insurance amount is given in calculating, not only to consider that the safety of target customer's crawler behavior will also consider target visitor
The attribute at family itself, so multiplying first when insurance amount is given in calculating with the highest amount of this money insurance products and giving danger
Coefficient, result are giving dangerous multiplication with second, are obtaining the second amount of the insurance products.
S1420, determine that second amount is the amount for giving insurance.
By the second amount, give as this product to the amount of the client.
As shown in figure 5, it is further comprising the steps of to give insurance products method:
S1130, the activity program for obtaining target customer；
In the embodiment of the present invention, for the activity program in target customer's future, corresponding insurance is given.Obtain the work of client
Dynamic planned manner, can read the scheduling information being stored on client terminal in calendar notes sheet.In some embodiments
In, the message that target customer's activity program can issue client terminal by reading ticket booking software obtains, such as client terminal is received
To a short message: you are good, you have made a reservation for Shenzhen on July 1st, 2018-Pekinese's flight, flight number CZ3157, when taking off
Between be 14:35.By reading the content in the short message, the activity program of target customer is obtained.There are also some embodiments, lead to
Cross the trip habit at crucial time point and history, it is contemplated that the activity program of client.For example, according to historical act track record,
Target customer has record from one place to another, when closing on holiday, it is contemplated that client in holidays such as National Day, the Spring Festival
Activity program.
S1230, the activity program according to target customer judge the environment of the crawler behavior of target customer's plan；
The activity program for obtaining target customer judges the movable row of target customer's plan by Keyword-method-arit hmetic
For environment.Keyword-method-arit hmetic first sets a Keyword List, and the environment of keyword and crawler behavior in list has
There is corresponding relationship.For example, keyword: Jiu Zhaigou, corresponding crawler behavior environment are tourist attractions；Keyword: flight, it is corresponding
Crawler behavior environment is aircraft.The activity program for traversing the target customer got, saves as a text text for activity program
Part traverses the character in text file, is compared with character in Keyword List, identify in Keyword List
Keyword identical character the work of target customer's plan is judged according to the corresponding relationship of keyword and crawler behavior environment
Dynamic behavioural environment.
S1330, have mapping relations according to the confirmation of preset mapping ruler and the environment of the crawler behavior give insurance.
There is preset mapping ruler between crawler behavior environment and insurance products, for example, tourist attractions and tourism accident insurance
Corresponding, aircraft is corresponding with aviation accident insurance.By mapping ruler, the corresponding insurance products of crawler behavior environment are determined, and to mesh
The corresponding insurance products of lead referral are marked, for target customer, the insurance products of recommendation are associated, and it is full to improve client
Meaning degree helps to maintain client's viscosity, to be conducive to business development.
As shown in fig. 6, it is further comprising the steps of to give insurance products method:
S1140, the existing insurance products list of target customer is obtained；
Target customer usually has been provided with some guarantees, in some cases, is ensured for same accident
Two parts of insurances simultaneously effectively in order to avoid mutually conflicting with the guarantee that target customer has been provided with, cannot need to obtain target customer
Existing insurance products list.It obtains client and has insurance products list, in the embodiment of the present invention, by being protected in reading database
The existing insurance product information of the client deposited obtains the existing guarantee of target customer.In some embodiments, pass through client
It collects the existing guarantee information of target customer and carrys out the existing insurance products column of moving target client in the interface that can be interacted on end
Table.
S1240, it gives insurance by described and is compared with the existing insurance products list；
Existing insurance products list include detailed insurance information, including insurant, guarantee time, ensure
Item, the condition of compensation.
The quasi- insurance products given are produced the insurance information in list with existing insurance to compare, that is, when comparing,
Beneficiary, the time of guarantee, the item of guarantee, the condition of compensation are compared respectively.
S1340, when the existing insurance products list do not include it is described give insurance when, giving insurance described in confirmation is
The insurance products given to the target customer.
As long as the beneficiary of insurance products ensures the time, ensures one of item, compensation condition and existing guarantor
Insurance products in dangerous product list are different, and being considered as existing insurance products list not includes the quasi- insurance products given, no
It can mutually conflict with the existing insurance products of client, confirm to target customer and give the product.
As shown in fig. 7, it is further comprising the steps of to give insurance products method:
The execution information of the preset task of S1150, acquisition target customer；
In the embodiment of the present invention, insurance is given to target customer, attached the condition of getting, the condition of getting covers target visitor
The execution information of family completion preset task.For example, default client is before getting and giving danger, it is desirable that give danger in the forwarding of wechat circle of friends
Information.The mode for obtaining the execution information of the preset task of target customer is to collect the screenshot of target customer.
S1250, condition and the execution information are got according to preset danger of giving, judges whether the target customer reaches institute
It states to give and nearly gets condition；
In the embodiment of the present invention, preset task is to give dangerous information in the forwarding of wechat circle of friends, whether judges target customer
Reach that give the mode of dangerous field conditions be the screenshot for obtaining target customer, by machine recognition, compare the picture feature of collection with
Similarity between preset picture feature, when similarity is greater than given threshold, determines target visitor to similarity given threshold
The condition given and nearly got has been reached at family, otherwise, it determines target customer, which does not reach to give, nearly gets condition.
S1350, condition is got when the target customer reaches the danger of giving, determines that the target customer gives guarantor described in being
It gives by people danger.
Condition nearly is got when target customer reaches to give, determines target customer's giving by people for the insurance products.Specifically,
In server end, the insurance products are written in the record of insuring of the target customer, indicate that the client has insured the insurance products.
And the message for giving insurance is sent to client where target customer.
The embodiment of the present invention also provides a kind of device for giving insurance to solve above-mentioned technical problem.Referring specifically to Fig. 8,
Fig. 8 is the basic structure block diagram for the device that the present embodiment gives insurance.
As shown in figure 8, a kind of device for giving insurance, comprising: obtain module 2100, processing module 2200 and execution module
2300.Wherein, module 2100 is obtained, for obtaining the behavior factor of target customer, wherein the behavior factor passes through acquisition institute
It states the daily behavior habit of target customer and produces；Processing module 2200, for according to preset mapping ruler confirmation with it is described
Behavior factor gives insurance with mapping relations；Execution module 2300, for giving guarantor to described in target customer push
Danger.
The embodiment of the present invention gives the device of insurance, pass through obtain target customer behavior factor, wherein the behavior because
Son is accustomed to production by acquiring the daily behavior of the target customer, according to default rule, for the pushes customer and its row
There are the insurance products of mapping relations for the factor.Wherein, behavior factor includes behavior safety score, according to behavior safety point
Number calculates and first gives dangerous coefficient, by first give that dangerous coefficient calculates the client give dangerous amount, in addition giving dangerous amount can be with root
It is adjusted according to the attribute factor of client.The insurance products given are related to client, play the role of business development, give dangerous amount and visitor
The behavior at family is related to attribute, and under the premise of offer client rationally ensures, it is excessively high to avoid insurance odds.
In some embodiments, the device for giving insurance further include: the first acquisition submodule, the first processing
Module and the first implementation sub-module, wherein the first acquisition submodule, for determining the target customer according to the behavior factor
First give dangerous coefficient；First processing submodule gives the first of insurance for giving dangerous coefficient according to described first described in calculating
Amount；First implementation sub-module, for determining that the first amount is the amount for giving insurance.
In some embodiments, the device for giving insurance further include: the second acquisition submodule, second processing
Module and the second implementation sub-module, wherein the second acquisition submodule, for obtaining the activity trajectory of target customer；Second processing
Submodule, for calculating the safety score of the corresponding crawler behavior of the activity trajectory according to preset computation rule；Second
Implementation sub-module determines that described first gives dangerous coefficient for the safety score according to the crawler behavior.
In some embodiments, the device for giving insurance further include: third acquisition submodule, third processing
Module and third implementation sub-module, wherein third acquisition submodule, for obtaining the activity program of target customer；Third processing
Submodule judges the environment of the crawler behavior of target customer's plan for the activity program according to target customer；Third is held
Row submodule gives insurance for have a mapping relations according to the confirmation of preset mapping ruler and the environment of the crawler behavior.
In some embodiments, the device for giving insurance further include: the 4th acquisition submodule, fourth process
Module, the 4th computational submodule and the 4th implementation sub-module, wherein the 4th acquisition submodule, for obtaining the target customer
Attribute factor；Fourth process submodule, for determining that the second of the target customer gives dangerous coefficient according to the attribute factor；
4th computational submodule gives dangerous coefficient for giving dangerous coefficient and second according to described first, the second of insurance is given described in calculating
Amount；4th implementation sub-module, for determining that second amount is the amount for giving insurance.
In some embodiments, the device for giving insurance further include: the 5th acquisition submodule, the 5th processing
Module and the 5th implementation sub-module, wherein the 5th acquisition submodule, for obtaining the existing insurance products list of target customer；
5th acquisition submodule, for giving insurance by described and being compared with the existing insurance products list；5th executes son
Module, for when the existing insurance products list do not include it is described give insurance when, insurance is given described in confirmation as to institute
State the insurance products that target customer gives.
In some embodiments, the device for giving insurance further include: the 6th acquisition submodule, the 6th processing
Module and the 6th implementation sub-module, wherein the 6th acquisition submodule, the preset task for obtaining target customer execute letter
Breath；6th processing submodule judges that the target customer is for getting condition and the execution information according to preset danger of giving
It is no to reach the danger of giving and get condition；6th implementation sub-module, for getting condition when the target customer reaches the danger of giving,
Determine that the target customer is described to give the giving by people of insurance.
In order to solve the above technical problems, the embodiment of the present invention also provides computer equipment.It is this referring specifically to Fig. 9, Fig. 9
Embodiment computer equipment basic structure block diagram.
As shown in figure 9, the schematic diagram of internal structure of computer equipment.As shown in figure 9, the computer equipment includes passing through to be
Processor, non-volatile memory medium, memory and the network interface of bus of uniting connection.Wherein, the computer equipment is non-easy
The property lost storage medium is stored with operating system, database and computer-readable instruction, can be stored with control information sequence in database
Column, when which is executed by processor, may make processor to realize that one kind gives insurance products method.The calculating
The processor of machine equipment supports the operation of entire computer equipment for providing calculating and control ability.The computer equipment
It can be stored with computer-readable instruction in memory, when which is executed by processor, processor may make to hold
A kind of method for giving insurance products of row.The network interface of the computer equipment is used for and terminal connection communication.Art technology
Personnel are appreciated that structure shown in Fig. 9, and only the block diagram of part-structure relevant to application scheme, is not constituted
Restriction to the computer equipment that application scheme is applied thereon, specific computer equipment may include than as shown in the figure
More or fewer components perhaps combine certain components or with different component layouts.
Processor obtains module 2100, processing module 2200 and execution module for executing in present embodiment in Fig. 8
2300 particular content, program code and Various types of data needed for memory is stored with the above-mentioned module of execution.Network interface is used for
To the data transmission between user terminal or server.Memory in present embodiment is stored with the method for giving insurance products
Program code and data needed for middle all submodules of execution, server is capable of the program code of invoking server and data execute
The function of all submodules.
The behavior factor that computer equipment passes through acquisition target customer, wherein the behavior factor is by acquiring the mesh
The daily behavior of mark client is accustomed to and is produced, and according to default rule, for the pushes customer and its behavior factor there is mapping to close
The insurance products of system.Wherein, behavior factor includes behavior safety score, calculates first according to behavior safety score and gives dangerous system
Number, by first give that dangerous coefficient calculates the client give dangerous amount, in addition giving dangerous amount can also be according to the attribute factor of client
Adjustment.The insurance products given are related to client, play the role of business development, give the behavior and attribute phase of dangerous amount and client
It closes, under the premise of offer client rationally ensures, it is excessively high to avoid insurance odds.
The present invention also provides a kind of storage mediums for being stored with computer-readable instruction, and the computer-readable instruction is by one
When a or multiple processors execute, so that one or more processors, which execute, gives insurance products side described in any of the above-described embodiment
The step of method.
Those of ordinary skill in the art will appreciate that realizing all or part of the process in above-described embodiment method, being can be with
Relevant hardware is instructed to complete by computer program, which can be stored in a computer-readable storage and be situated between
In matter, the program is when being executed, it may include such as the process of the embodiment of above-mentioned each method.Wherein, storage medium above-mentioned can be
The non-volatile memory mediums such as magnetic disk, CD, read-only memory (Read-Only Memory, ROM) or random storage note
Recall body (Random Access Memory, RAM) etc..
It should be understood that although each step in the flow chart of attached drawing is successively shown according to the instruction of arrow,
These steps are not that the inevitable sequence according to arrow instruction successively executes.Unless expressly stating otherwise herein, these steps
Execution there is no stringent sequences to limit, can execute in the other order.Moreover, at least one in the flow chart of attached drawing
Part steps may include that perhaps these sub-steps of multiple stages or stage are not necessarily in synchronization to multiple sub-steps
Completion is executed, but can be executed at different times, execution sequence, which is also not necessarily, successively to be carried out, but can be with other
At least part of the sub-step or stage of step or other steps executes in turn or alternately.
The above is only some embodiments of the invention, it is noted that for the ordinary skill people of the art
For member, various improvements and modifications may be made without departing from the principle of the present invention, these improvements and modifications are also answered
It is considered as protection scope of the present invention.
Claims (10)
1. a kind of method for giving insurance, which is characterized in that include the following steps:
Obtain the behavior factor of target customer, wherein the behavior factor is practised by acquiring the daily behavior of the target customer
It is used to and produces；
With the behavior factor there is the insurance of giving of mapping relations to give insurance according to the confirmation of preset mapping ruler；
Insurance is given to described in target customer push.
2. the method according to claim 1 for giving insurance, which is characterized in that described to be confirmed according to preset mapping ruler
With the behavior factor have mapping relations the step of giving insurance after further include:
Determine the target customer according to the behavior factor first gives dangerous coefficient；
Dangerous coefficient is given according to described first, the first amount of insurance is given described in calculating；
Determine that the first amount is the amount for giving insurance.
3. the method according to claim 2 for giving insurance, which is characterized in that the behavior factor includes crawler behavior
Safety score, it is described according to the behavior factor determine the first of the target customer give dangerous coefficient the step of further include:
Obtain the activity trajectory of target customer；
According to preset computation rule, the safety score of the corresponding crawler behavior of the activity trajectory is calculated；
According to the safety score of the crawler behavior, determine that described first gives dangerous coefficient.
4. the method according to claim 1 for giving insurance, which is characterized in that the behavior factor includes crawler behavior
Environment, it is described to confirm that there is also wrapping the step of giving insurance for mapping relations with the behavior factor according to preset mapping ruler
It includes:
Obtain the activity program of target customer；
According to the activity program of target customer, the environment of the crawler behavior of target customer's plan is judged；
Insurance is given according to what the confirmation of preset mapping ruler and the environment of the crawler behavior there are a mapping relations.
5. the method according to claim 2 for giving insurance, which is characterized in that it is described to give dangerous coefficient according to described first,
After the step of giving the first amount of insurance described in calculating further include:
Obtain the attribute factor of the target customer；
Determine the target customer according to the attribute factor second gives dangerous coefficient；
Dangerous coefficient and second is given according to described first and gives dangerous coefficient, and the second amount of insurance is given described in calculating；
Determine that second amount is the amount for giving insurance.
6. the method for giving insurance according to claims 1 to 5, which is characterized in that described according to preset mapping ruler
Confirmation with the behavior factor have mapping relations the step of giving insurance after further include:
Obtain the existing insurance products list of target customer；
It gives insurance by described and is compared with the existing insurance products list；
When the existing insurance products list do not include it is described give insurance when, insurance is given described in confirmation as to the target
The insurance products that client gives.
7. the method according to claim 1 for giving insurance, which is characterized in that described to described in target customer push
After the step of giving insurance further include:
Obtain the execution information of the preset task of target customer；
Condition and the execution information are got according to preset danger of giving, judges whether the target customer reaches the danger of giving and get
Condition；
Get condition when the target customer reaches the danger of giving, determine the target customer be it is described give insurance give by
People.
8. a kind of device for giving insurance characterized by comprising
Module is obtained, for obtaining the behavior factor of target customer, wherein the behavior factor is by acquiring the target customer
Daily behavior habit and produce；
Processing module, for giving insurance with mapping relations with the behavior factor according to the confirmation of preset mapping ruler；
Execution module, for giving insurance to described in target customer push.
9. a kind of computer equipment, including memory and processor, it is stored with computer-readable instruction in the memory, it is described
When computer-readable instruction is executed by the processor, so that the processor executes such as any one of claims 1 to 7 right
The step of method of insurance is given described in it is required that.
10. a kind of storage medium for being stored with computer-readable instruction, the computer-readable instruction is handled by one or more
When device executes, so that one or more processors execute giving insurance as described in any one of claims 1 to 7 claim
The step of method.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
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| CN201810947333.3A CN109285078A (en) | 2018-08-20 | 2018-08-20 | Give the method, apparatus, computer equipment and storage medium of insurance |
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| Application Number | Priority Date | Filing Date | Title |
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| CN201810947333.3A CN109285078A (en) | 2018-08-20 | 2018-08-20 | Give the method, apparatus, computer equipment and storage medium of insurance |
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