CN110766559A - Label configuration method and device - Google Patents
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Abstract
The application discloses a tag configuration method and a tag configuration device. The method comprises the following steps: acquiring an insurance record and a risk report of a user; determining an insurance product label and a risk feature label according to the insurance record and the risk report; and establishing a mapping relation between the insurance product label and the risk characteristic label. The device includes: the acquisition module is used for acquiring the insurance record and the risk report of the user; the determining module is used for determining an insurance product label and a risk characteristic label according to the insurance record and the risk report; and the establishing module is used for establishing a mapping relation between the insurance product label and the risk characteristic label. The server computing pressure is high and the technical problem of too many repeated computing is caused because the combined or customized insurance products are not associated with the risk characteristics.
Description
Technical Field
The application relates to the field of insurance, in particular to a tag configuration method and a tag configuration device.
Background
The inventor finds that the online insurance system needs the user to input personal information and select insurance types, guarantee contents, guarantee amounts and the like through interface operation; custom insurance and combination insurance products are introduced, but whatever product, there is a distinction between stored products stored in the database, which can be considered as a new insurance product generated for use by the user; there is no association between these new insurance products and the risk features, so that when the insurance products are used subsequently, the insurance products still need to be recombined or customized, the calculation pressure of the server is high, and the repeated calculation is excessive.
Aiming at the problems that the server computing pressure is large and the repeated computing is excessive due to the fact that the combination or customization insurance products are not associated with risk characteristics in the related art, an effective solution is not provided at present.
Disclosure of Invention
The application mainly aims to provide a tag configuration method and a tag configuration device so as to solve the problems that server computing pressure is high and repeated computing is excessive due to the fact that combination or customization insurance products are not associated with risk characteristics.
In order to achieve the above object, according to one aspect of the present application, there is provided a tag configuring method.
The tag configuration method comprises the following steps: acquiring an insurance record and a risk report of a user; determining an insurance product label and a risk feature label according to the insurance record and the risk report; and establishing a mapping relation between the insurance product label and the risk characteristic label.
Further, after determining the insurance product label and the risk characteristic label according to the insurance record and the risk report, the method further comprises the following steps: storing the insurance product tag as an updated insurance product for the user; generating an insurance recommendation based on the risk report and the updated insurance product.
Further, determining an insurance product label and a risk profile label based on the emergence record and the risk report includes: extracting an insurance product label from the insurance record; and extracting a risk characteristic label from the risk report.
Further, before acquiring the risk record and the risk report of the user, the method further includes: receiving an insurance customization request sent by a user at a terminal; calling risk characteristics and risk probability of a user; determining the type and the proportion of the contents to be guaranteed according to the risk characteristics and the risk probability; customizing to obtain an insurance product according to the type and the proportion of the content to be guaranteed, and outputting the insurance product at a terminal; and when the user sends an insurance request at the terminal, generating the insurance record.
Further, when the user sends an insurance request at the terminal, generating the insurance record further includes: outputting the insurance emergence record at the terminal; receiving the adjustment operation of a user on an insurance record interface; the guarantee items and/or the guarantee amounts in the insurance product are configured to adjust the content obtained in the operation.
In order to achieve the above object, according to another aspect of the present application, there is provided a tag arranging apparatus.
The tag configuration device according to the present application includes: the acquisition module is used for acquiring the insurance record and the risk report of the user; the determining module is used for determining an insurance product label and a risk characteristic label according to the insurance record and the risk report; and the establishing module is used for establishing a mapping relation between the insurance product label and the risk characteristic label.
Further, the method also comprises the following steps: an insurance suggestion module for storing the insurance product label as an updated insurance product for a user; generating an insurance recommendation based on the risk report and the updated insurance product.
Further, the determining module comprises: extracting an insurance product label from the insurance record; and extracting a risk characteristic label from the risk report.
Further, the method also comprises the following steps: the insurance customizing module is used for receiving an insurance customizing request sent by a user at a terminal; calling risk characteristics and risk probability of a user; determining the type and the proportion of the contents to be guaranteed according to the risk characteristics and the risk probability; customizing to obtain an insurance product according to the type and the proportion of the content to be guaranteed, and outputting the insurance product at a terminal; and when the user sends an insurance request at the terminal, generating the insurance record.
Further, the method also comprises the following steps: the content adjusting module is used for outputting the insurance-taking record at the terminal; receiving the adjustment operation of a user on an insurance record interface; the guarantee items and/or the guarantee amounts in the insurance product are configured to adjust the content obtained in the operation.
In the embodiment of the application, a label configuration mode is adopted, and the insurance leaving record and the risk report of a user are obtained; determining an insurance product label and a risk feature label according to the insurance record and the risk report; establishing a mapping relation between the insurance product label and the risk characteristic label; the method achieves the purpose of establishing the association between the combined or customized insurance product and the risk features, thereby achieving the technical effect of reducing the large calculation pressure and the calculation amount of the server, and further solving the technical problems of large calculation pressure and excessive repeated calculation of the server caused by the fact that the combined or customized insurance product is not associated with the risk features.
Drawings
The accompanying drawings, which are incorporated in and constitute a part of this application, serve to provide a further understanding of the application and to enable other features, objects, and advantages of the application to be more apparent. The drawings and their description illustrate the embodiments of the invention and do not limit it. In the drawings:
FIG. 1 is a schematic flow chart diagram of a tag configuration method according to a first embodiment of the present application;
FIG. 2 is a schematic flow chart diagram of a tag configuration method according to a second embodiment of the present application;
FIG. 3 is a schematic flow chart diagram of a tag configuration method according to a third embodiment of the present application;
FIG. 4 is a schematic flow chart diagram of a tag configuration method according to a fourth embodiment of the present application;
FIG. 5 is a schematic flow chart diagram of a tag configuration method according to a fifth embodiment of the present application;
fig. 6 is a schematic structural diagram of a tag placement apparatus according to a first embodiment of the present application.
Detailed Description
In order to make the technical solutions better understood by those skilled in the art, the technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the drawings in the embodiments of the present application, and it is obvious that the described embodiments are only partial embodiments of the present application, but not all embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present application.
It should be noted that the terms "first," "second," and the like in the description and claims of this application and in the drawings described above are used for distinguishing between similar elements and not necessarily for describing a particular sequential or chronological order. It should be understood that the data so used may be interchanged under appropriate circumstances such that embodiments of the application described herein may be used. Furthermore, the terms "comprises," "comprising," and "having," and any variations thereof, are intended to cover a non-exclusive inclusion, such that a process, method, system, article, or apparatus that comprises a list of steps or elements is not necessarily limited to those steps or elements expressly listed, but may include other steps or elements not expressly listed or inherent to such process, method, article, or apparatus.
In this application, the terms "upper", "lower", "left", "right", "front", "rear", "top", "bottom", "inner", "outer", "middle", "vertical", "horizontal", "lateral", "longitudinal", and the like indicate orientations or positional relationships based on the orientations or positional relationships shown in the drawings. These terms are used primarily to better describe the invention and its embodiments and are not intended to limit the indicated devices, elements or components to a particular orientation or to be constructed and operated in a particular orientation.
Moreover, some of the above terms may be used to indicate other meanings besides the orientation or positional relationship, for example, the term "on" may also be used to indicate some kind of attachment or connection relationship in some cases. The specific meanings of these terms in the present invention can be understood by those skilled in the art as appropriate.
Furthermore, the terms "mounted," "disposed," "provided," "connected," and "sleeved" are to be construed broadly. For example, it may be a fixed connection, a removable connection, or a unitary construction; can be a mechanical connection, or an electrical connection; may be directly connected, or indirectly connected through intervening media, or may be in internal communication between two devices, elements or components. The specific meanings of the above terms in the present invention can be understood by those of ordinary skill in the art according to specific situations.
It should be noted that the embodiments and features of the embodiments in the present application may be combined with each other without conflict. The present application will be described in detail below with reference to the embodiments with reference to the attached drawings.
According to an embodiment of the present invention, there is provided a tag configuration method, as shown in fig. 1, the method includes steps S100 to S104 as follows:
s100, acquiring an insurance record and a risk report of a user;
after taking out an insurance, automatically generating an insurance record; after analyzing the user data, a risk report is generated; and the generated insurance record and the risk report are stored in the file of the user, and after the record is stored, the insurance record and the risk report of the user are automatically acquired from the stored database, so that data guarantee is provided for determining a new insurance product label and a new risk characteristic label.
According to the embodiment of the present invention, preferably, as shown in fig. 4, before acquiring the insurance record and the risk report of the user, a recommendation method for customizing insurance is further included:
s400, receiving an insurance customization request sent by a user at a terminal;
s402, calling risk characteristics and risk probability of a user;
s404, determining the type and the proportion of the contents to be guaranteed according to the risk characteristics and the risk probability;
s406, customizing to obtain an insurance product according to the type and proportion of the content to be guaranteed, and outputting the insurance product at a terminal;
and step S408, when the user sends out an insurance request at the terminal, generating the insurance record.
The terminal is configured with application processing software, when a user opens the software and sends an insurance customization request in the software interface, the server receives the request, judges a user identification code according to the request, and calls corresponding information according to the identification code.
According to the embodiment of the present invention, preferably, the retrieving the risk characteristics and the risk probability of the user includes:
calling financial risk characteristics and financial risk probability of a user;
calling health risk characteristics and health risk probability of a user;
and calling the behavior risk characteristics and the behavior risk probability of the user.
After the user identification code is judged, the financial risk characteristics, the financial risk probability, the health risk characteristics, the health risk probability, the risk characteristics and the behavior risk probability stored in the user file are called according to the identification code; the risk probability is determined by a corresponding calculation of the risk characteristics.
Such as: the financial risk characteristics can be investment loss, an investment risk prediction result is determined according to the investment loss rate obtained by calculating the investment loss amount, the higher the investment risk is, the higher the financial risk probability is, and finally the financial risk probability is calculated according to the prediction result.
For another example: the health risk characteristics can be genetic diseases, a prediction result of the genetic risk is determined according to whether the family has the genetic diseases and the occurrence probability of the genetic diseases, the higher the genetic risk is, the higher the health risk probability is, and finally the health risk probability is calculated according to the prediction result.
For another example: the behavior risk characteristic can be a traffic accident risk, a prediction result of the traffic accident risk is determined according to the taken vehicle, the departure place and the destination, the higher the traffic accident risk is, the higher the behavior risk probability is, and finally the behavior risk probability is calculated according to the prediction result.
The risk characteristics and the risk probability of the user can provide guarantee for the determination of the guarantee content types and the occupation ratios of the items in the guarantee content.
According to the embodiment of the present invention, preferably, the determining the type and the proportion of the content to be guaranteed according to the risk characteristics and the risk probability includes:
determining the content to be guaranteed according to the risk characteristics;
extracting corresponding guarantee items from the original insurance product as the types of guarantee contents;
and determining the occupation ratio of the guarantee content according to the risk probability.
According to the preset mapping relation between the security project labels and the risk feature labels, after a request is received and the risk features and the risk probability are called, all security projects which have the mapping relation with the called risk features can be used as the types of security contents; and determining the proportion of each guarantee item in the guarantee content according to the risk probability, wherein the greater the probability is, the greater the weight of the guarantee item is, and the greater the proportion is.
Such as: the guarantee content comprises three kinds of guarantee items of serious illness insurance, train traffic insurance and investment risk, and the risk probability is 70%, 80% and 50%, respectively, and the ratio is 7:8: 5.
According to the embodiment of the present invention, preferably, the determining the content to be secured according to the risk characteristics includes:
presetting a mapping relation between a risk characteristic label and a guarantee project;
and determining the item to be guaranteed projected by the risk characteristics according to the mapping relation to obtain the content to be guaranteed.
There is a link between the risk profile and the insurance product, and further refinement is actually a link between the risk profile and the security item, in this embodiment, the latter link is used to establish the mapping relationship. Specifically, risk feature labels are set according to risks that may occur, and in this embodiment, it is preferable to mainly refer to a financial risk feature label, a health risk feature label, and a behavior risk feature label; extracting guarantee items from the existing insurance products, and configuring guarantee item labels; and finally, establishing a mapping relation between the connected risk feature tags and the security project tags, and automatically associating the risk feature tags with the project to be secured of the user according to the mapping relation when the risk feature is determined.
Customizing the determined types and proportions of the guarantee contents into an insurance product, setting all the types of the guarantee contents in a policy interface, and outputting the proportions; such as: the categories of three guarantee items of serious illness insurance, train traffic insurance and investment risk are displayed in the policy interface, and a proportion frame is added behind each category for displaying proportion. One insurance product is customized for recommendation without combining a plurality of insurance product machines for recommendation, so that the condition that guarantee items are unnecessary for users in a plurality of insurance products is avoided, the accuracy of the types of guarantee contents is improved, the occupation ratio of each guarantee item can be determined according to the risk probability, the user insurance cost is further reduced, and the guarantee items which can or cannot be guaranteed are not guaranteed; and the user experience is improved.
According to the embodiment of the present invention, preferably, the insurance product is customized according to the type and percentage to be guaranteed, and after the terminal outputs, the method further includes:
receiving a total guarantee amount set by a user on an insurance product interface;
and determining the guarantee amount of each item in the contents to be guaranteed according to the total guarantee amount, the types and the proportion of the contents to be guaranteed, and outputting the guarantee amount in the insurance product interface.
And after the total amount of guarantee is input, the server automatically determines the amount of guarantee of each project according to the proportion, finally outputs the full version of insurance product, and the user can invest the insurance product after clicking and confirming the insurance product.
Such as: the guarantee content comprises three kinds of guarantee items of serious illness insurance, train traffic insurance and investment risk, wherein the risk probability is 70%, 80% and 50%, and the ratio is 7:8: 5; if the total amount of the insurance is 1 ten thousand, the serious disease insurance, the train traffic insurance and the investment risk are 3500, 4000 and 2500 respectively; the proportion of the amount of the application is more reasonable because the higher the risk, the more the user needs to apply the application.
According to the embodiment of the present invention, preferably, before acquiring the insurance record and the risk report of the user, the method further includes a recommendation method of combined insurance:
step A, establishing a mapping relation between a risk characteristic label and an insurance product label;
according to the embodiment of the present invention, preferably, the establishing of the mapping relationship between the risk characteristic label and the insurance product label includes:
establishing a first mapping relation between the financial risk characteristic label and the first insurance product label;
establishing a second mapping relation between the health risk characteristic label and a second insurance product label;
and establishing a third mapping relation between the behavior risk characteristic label and a third insurance product label.
There is a connection between the risk profile and the insurance product, and a mapping relationship is established using this connection. Specifically, risk feature labels are set according to risks that may occur, and in this embodiment, it is preferable to mainly refer to a financial risk feature label, a health risk feature label, and a behavior risk feature label; configuring an insurance product label according to the existing insurance product; and finally, establishing a mapping relation between the connected risk characteristic label and the insurance product label, and automatically associating the risk characteristic label with the insurance product according to the mapping relation when the risk characteristic is determined.
In the embodiment, a first mapping relation is established between the financial risk characteristic label and the first insurance product label; such as: if the financial risk characteristic label has investment risk in a certain field, a mapping relation between insurance product labels related to investment can be established; thus, when it is determined that the user is at risk for investment in the field, an insurance product related to the investment is recommended to the user.
In this embodiment, the health risk feature label and the second insurance product label establish a second mapping relationship; such as: if the health risk characteristic label is that the family genetic disease risk exists, a mapping relation between insurance product labels related to the disease can be established; as such, when it is determined that the user is at risk for a family genetic disease, then insurance products related to the disease are recommended to the user.
In this embodiment, a third mapping relationship is established between the behavior risk feature tag and a third insurance product tag; such as: if the behavior risk characteristic label is that natural disaster risks exist, a mapping relation between insurance product labels related to the natural disasters can be established; in this way, when it is determined that the user has a risk of a natural disaster, insurance products related to weather and natural disasters are recommended to the user.
Those skilled in the art will appreciate that multiple risk profiles may project multiple insurance products, and as such, a combination insurance product may be recommended to a user based on multiple risk profiles to achieve full protection.
B, receiving an insurance recommendation request sent by a user at a terminal, and calling the risk characteristics of the user;
and determining the combined insurance product projected by the first risk characteristic according to the mapping relation, and outputting the combined insurance product at a terminal.
According to embodiments of the present invention, it is preferable,
receiving an insurance recommendation request sent by a user at a terminal, and calling a first risk characteristic of the user comprises the following steps:
receiving an insurance recommendation request sent by a user at a terminal, and calling financial risk characteristics of the user;
determining the combined insurance product projected by the first risk characteristic according to the mapping relation, and outputting at a terminal, wherein the step comprises the following steps:
and determining the first combined insurance product projected by the financial risk characteristics according to the first mapping relation, and outputting the first combined insurance product at the terminal.
The method comprises the steps that application processing software is configured on a terminal, when a user opens the software and sends an insurance recommendation request in a software interface, a server receives the request, then judges a user identification code according to the request, and then calls a first risk characteristic (financial risk characteristic) stored in a user file according to the identification code. Then according to the first mapping relation set before, all insurance products corresponding to the financial risk characteristics, namely a first combined insurance product, can be projected and output on the terminal of the user; the purpose of intelligently associating the first combined insurance product by means of the financial risk characteristics is achieved, and therefore the intelligent level and accuracy of insurance recommendation are improved.
According to embodiments of the present invention, it is preferable,
receiving an insurance recommendation request sent by a user at a terminal, and calling the risk characteristics of the user comprises the following steps:
receiving an insurance recommendation request sent by a user at a terminal, and calling health risk characteristics of the user;
determining the combined insurance product projected by the first risk characteristic according to the mapping relation, and outputting at a terminal, wherein the step comprises the following steps:
and step C, determining a second combined insurance product projected by the health risk characteristics according to a second mapping relation, and outputting the second combined insurance product at the terminal.
The method comprises the steps that application processing software is configured on a terminal, when a user opens the software and sends an insurance recommendation request in a software interface, a server receives the request, then judges a user identification code according to the request, and then calls a first risk characteristic (health risk characteristic) stored in a user file according to the identification code. Then according to the second mapping relation set before, all insurance products corresponding to the health risk characteristics, namely a second combined insurance product, can be projected and output on the terminal of the user; the purpose of intelligently associating the health risk characteristics with the second combined insurance product is achieved, and therefore the intelligent level and accuracy of insurance recommendation are improved.
According to embodiments of the present invention, it is preferable,
receiving an insurance recommendation request sent by a user at a terminal, and calling the risk characteristics of the user comprises the following steps:
receiving an insurance recommendation request sent by a user at a terminal, and calling behavior risk characteristics of the user;
determining the combined insurance product projected by the first risk characteristic according to the mapping relation, and outputting at a terminal, wherein the step comprises the following steps:
and determining a third combined insurance product projected by the behavior risk characteristics according to the third mapping relation, and outputting the third combined insurance product at the terminal.
The method comprises the steps that application processing software is configured on a terminal, when a user opens the software and sends an insurance recommendation request in a software interface, a server receives the request, then judges a user identification code according to the request, and then calls a first risk characteristic (behavior risk characteristic) stored in a user file according to the identification code. Then according to the previously set third mapping relation, all insurance products corresponding to the behavior risk characteristics, namely a third combined insurance product, can be projected and output on the terminal of the user; the purpose of intelligently associating the behavior risk characteristics with the third combined insurance product is achieved, and therefore the intelligent level and accuracy of insurance recommendation are improved.
According to an embodiment of the present invention, preferably, the first risk characteristic includes: the financial risk characteristic, the behavior risk characteristic and the health risk characteristic are determined according to the mapping relation, insurance products projected by the financial risk characteristic, the behavior risk characteristic and the health risk characteristic are determined respectively, and are combined to form a combined insurance product, and the combined insurance product is output on a terminal of a user; the purpose of intelligently associating the risk characteristics with the combined insurance product by means of multiple dimensions is achieved, and therefore the intelligent level and accuracy of insurance recommendation are improved.
According to the embodiment of the present invention, preferably, the method for recommending combined insurance or customized insurance further comprises a method for generating a risk report:
step D, acquiring first-dimension user data;
and E, inputting the first-dimension user data into a first preset risk analysis model to generate a first user risk report.
According to embodiments of the present invention, it is preferable,
acquiring the first-dimension user data includes:
the method comprises the steps that a user database acquires financial consumption data of a first user periodically;
inputting the first-dimension user data into a first preset risk analysis model, and generating a first user risk report comprises:
and inputting the financial consumption data into a preset financial risk analysis model, and generating a financial risk report of the first user.
After the personal data is built, when a user opens application processing software at a mobile phone end and enters a financial operation interface, three selection buttons are arranged in the financial operation interface, and the three selection buttons are respectively used for manually inputting financial data, automatically crawling financial data generated by the user at the mobile phone end and manually importing the financial data generated at the mobile phone end by the user.
In actual use, a user can select any one type to enter financial data according to actual conditions, and can also combine two or more types to enter financial data; the integrity of the financial data is guaranteed.
In this embodiment, manually entering the financial data is manually entering personal financial data for the user with reference to his financial information.
In the embodiment, a user manually imports financial data generated at a mobile phone end to access interfaces of a payment bank, a WeChat and the like after the financial data is authorized by the user, automatically analyzes a short message of the mobile phone of the user, and perfects the financial data of the user according to consumption short messages of a daily mobile phone bank, the payment bank, the WeChat and the like; and an entry is provided for inputting a bank flow data report, and the user income and expenditure conditions are analyzed and analyzed.
In the embodiment, financial data generated by the user at the mobile phone end is automatically crawled as an authorized binding user mailbox, and financial data such as the user payment treasure WeChat is analyzed through a POP3/SMTP/IMAP protocol, so that the financial data is further improved.
In this embodiment, preferably, the financial consumption data in the preset period is obtained by combining the three modes, so as to provide data security for the generation of the financial risk report in the next step.
And after the financial consumption data are obtained, inputting the financial consumption data into a preset financial risk analysis model for risk analysis, and obtaining a financial risk report.
Such as: uniformly analyzing WeChat, bill of Paibao and income level in the financial consumption data, analyzing the proportion of expenditure to income, judging whether the proportion is higher than a certain threshold value, and if so, giving out a risk prompt that expenditure is too high and the expenditure is not paid out; setting the balance proportion, the risk prompt and the personal information of the user into a block, and generating a financial risk report.
For another example: analyzing the investment income in the financial consumption data, analyzing the loss rate or the return rate, and giving a prompt whether the investment has continuous loss risk or not; and setting the loss rate or return rate, the risk prompt and the personal information of the user into a block to generate a financial risk report.
Therefore, the user can check the financial risk report, correspondingly adjust or purchase corresponding insurance to prevent risks, and accurately know the financial insurance type to be selected according to the risk type, so that the defect of difficulty in selecting the financial insurance is overcome.
According to embodiments of the present invention, it is preferable,
acquiring the first-dimension user data includes:
the user database acquires health data of a first user periodically;
inputting the first-dimension user data into a first preset risk analysis model, and generating a first user risk report comprises:
and inputting the health data into a preset health risk analysis model to generate a health risk report of the first user.
After the personal data is filed, when a user opens application processing software at a mobile phone end and enters a health operation interface, the user can import health data in an interface mode; or, the health data (such as family medical history) is automatically input at the mobile phone end.
In this embodiment, a user manually imports health data generated at a mobile phone end; or, health data (such as family medical history) is automatically input at the mobile phone end, and the health data is accessed or input into interfaces of wearable equipment, step counting software and the like after being authorized by the user, and data such as exercise step number, heart rate, blood pressure, sleep, pressure and the like of the user are imported.
And after the health data are obtained, inputting the health data into a preset health risk analysis model for risk analysis to obtain a health risk report.
Such as: analyzing the heart rate in the health data, judging whether the heart rate is within a preset threshold range, if so, indicating that the heart rate is abnormal, and giving a risk prompt; the abnormal heart rate, the risk prompt and the personal information of the user are set to one block, and a health (heart rate) risk report is generated.
For another example: analyzing the breath in the health data, judging whether the breath is in a preset threshold range, if so, indicating that the breath is abnormal, and giving a risk prompt; the breathing abnormality, the risk prompt and the personal information of the user are set to one block, and a health (breathing) risk report is generated.
For another example: analyzing the heart rate, the blood pressure, the sleep and the pressure in the health data at the same time, judging whether the heart rate, the blood pressure, the sleep and the pressure are in a preset threshold range, if so, indicating that the problems of abnormal heart rate, blood pressure, sleep and pressure exist, and giving a risk prompt; the heart rate, blood pressure, sleep, abnormal pressure, risk prompt and personal information of the user are set to one block, and a health (heart rate, blood pressure, sleep, pressure) risk report is generated.
For another example: analyzing family medical history in the health data, judging the probability of the same focus of the user, judging whether the probability is in a preset threshold range, and if not, considering that the user has a disease risk and giving a risk prompt; the risk of illness, the risk prompt and the personal information of the user are set to one block, and a health (illness) risk report is generated.
Therefore, the user can check the health risk report, correspondingly adjust or purchase corresponding health insurance, and when the risk is prevented, the user can accurately know the type of the health insurance to be selected according to the risk type, so that the defect of difficulty in selecting the health insurance is overcome.
According to embodiments of the present invention, it is preferable,
acquiring the first-dimension user data includes:
the user database acquires behavior data of a first user periodically;
inputting the first-dimension user data into a first preset risk analysis model, and generating a first user risk report comprises:
and inputting the behavior data into a preset behavior risk analysis model to generate a behavior risk report of the first user.
After the personal data is finished being filed, when a user opens application processing software at a mobile phone end to enter a behavior operation interface, the user can import behavior data in an interface mode; or, the behavior data is automatically input at the mobile phone end.
In this embodiment, a user may import behavior data in an interface manner; or, the behavior data is automatically input at the mobile phone end to access a mobile phone short message interface and software interfaces for travel, traffic, dining, lodging and the like, user traffic data (automobiles, airplanes, dripping and the like) are imported, dining data (mysterious, hungry, popular, kendiry and the like), lodging data (travel, pig flight, same travel and the like) are imported, and the like.
In this embodiment, the user may also authorize positioning, and the system coarsely records the user position to form user activity data.
And after the behavior data are obtained, inputting the behavior data into a preset behavior risk analysis model for risk analysis to obtain a behavior risk report.
Such as: analyzing the traffic data in the behavior data, and analyzing frequent residence places, frequent business places, vehicles, frequently used ticket purchasing software and the like of the users, so that a traffic risk prompt can be given according to the analyzed information; setting frequent residence places, frequent business places, vehicles, frequently used ticket purchasing software and the like and user personal information into a whole to generate a behavior (traffic) risk report.
For another example: the catering data in the behavior data is analyzed, frequent catering merchants of the user, frequently used takeout software and the like can be analyzed, and therefore a prompt of a food delivery delay risk can be given according to the analyzed information; setting frequent eating merchants, frequently used takeout software and the like and user personal information into a whole to generate a behavior (dining) risk report.
For another example: the lodging data in the behavior data is analyzed, and frequent lodging hotels of the user, frequent lodging software and the like can be analyzed, so that a prompt of safety risks can be given according to the analyzed information; setting frequent catering merchants, frequently used takeout software and the like and user personal information into a whole to generate a behavior (accommodation) risk report.
For another example: the position data in the behavior data are analyzed, the position of the user can be analyzed, and then activity data are formed, so that the prompt of traffic jam and safety risk can be given according to the analyzed information; and setting the position of the user and the personal information of the user into a block to generate a behavior (accommodation) risk report.
Therefore, the user can check the health risk report, correspondingly adjust or purchase corresponding health insurance, and when the risk is prevented, the user can accurately know the type of the health insurance to be selected according to the risk type, so that the defect of difficulty in selecting the health insurance is overcome.
According to the embodiment of the present invention, preferably, before acquiring the first-dimension user data, the method further includes:
acquiring user personal data acquired by wearable intelligent equipment;
and establishing a user database according to the personal data of the user.
The user personal data includes: information such as user age, gender, name, mobile phone number, height, weight and the like; in this embodiment, preferably, the information of the age, sex, name, and phone number of the user can be actively entered through the phone terminal; the height and weight information can be acquired through wearable equipment.
The entering of the corresponding information at the mobile phone end may be: entering a registration page, and filling corresponding information in the page to complete registration; corresponding information may also be accessed from third party interfaces, such as: corresponding information is accessed from interfaces such as WeChat and Payment treasures; and the user can be guided to complete registration through a mobile phone terminal in a line-down mode.
After information is input, the server defaults to complete user profiling, and data of each user is stored according to a structural storage mode; when other data of the user appears, the data is also stored under the file name.
According to the embodiment of the invention, preferably, two or three of financial consumption data, health data and behavior data of a user can be acquired simultaneously, and input into a corresponding model for risk analysis, and finally an all-round risk report is generated; according to the risk types in the risk report, the personnel can know the insurance types to be selected, and the defect of difficulty in selecting health insurance is overcome.
According to the embodiment of the present invention, as shown in fig. 5, preferably, when the user sends an insurance request at the terminal, after generating the insurance record, the method further includes:
s500, outputting the insurance emergence record at a terminal;
step S502, receiving the adjustment operation of a user on an insurance record interface;
and step S504, configuring the guarantee items and/or the guarantee money amount in the insurance products into the content obtained in the adjustment operation.
The insurance item adding/deleting button is arranged in the insurance record interface, and the insurance item can be automatically added/deleted; and the proportion can be automatically input according to the actual condition, and the background can calculate the guarantee amount according to the input proportion and the finally determined guarantee item.
Step S102, determining an insurance product label and a risk characteristic label according to the insurance record and the risk report;
according to an embodiment of the present invention, preferably, as shown in fig. 3, the determining the insurance product label and the risk feature label according to the insurance record and the risk report includes:
s300, extracting an insurance product label from the insurance leaving record;
and S302, extracting a risk feature label from the risk report.
After the user finishes the insurance in a combined insurance or customized insurance mode, generating a corresponding insurance record, wherein the corresponding insurance record at least comprises the name and related contents of the insurance product, and automatically updating the combined insurance or customized insurance product into an insurance product library as a new insurance product by the server.
After the insurance is finished through the traditional insurance mode, corresponding insurance records can be generated, and in the embodiment, the insurance product library is not updated; corresponding judgment can be made according to insurance requests (combined insurance request, customized insurance request and traditional insurance request), if the combined insurance or customized insurance request is in a subsequent execution program, updating operation is executed on the insurance product library, otherwise, the updating operation is not executed in the case of the traditional insurance request.
After analysis is performed according to the user data, a risk report of the user is generated, the risk report at least comprises user identification information, risk characteristics and risk probability, and corresponding risk characteristics are extracted from the risk report and serve as risk characteristic labels.
Therefore, data guarantee is provided for establishing the mapping relation between the risk characteristic label and the insurance product label.
According to the embodiment of the present invention, it is preferable that, as shown in fig. 2, after determining the insurance product label and the risk feature label according to the insurance record and the risk report, the method further includes:
step S200, storing the insurance product label as an updated insurance product of the user;
and S202, generating insurance suggestions according to the risk reports and the updated insurance products.
The insurance products with the insurance product labels are updated into the insurance product database to be used as new insurance products for users to select, the updated insurance products are obtained by combining insurance and customizing insurance, the factors such as behavior risk characteristics, health analysis characteristics, financial risk characteristics and the like of the users are considered, and the updated insurance products have high referential performance, so that the corresponding insurance can be accurately recommended to the users by combining the risk report and the updated insurance products, and the updated insurance products serve as insurance suggestions and serve as important references when the users can purchase the insurance again.
And step S104, establishing a mapping relation between the insurance product label and the risk characteristic label.
After the insurance product label and the risk feature label are extracted, the mapping relation between the insurance product label and the risk feature label is established according to the corresponding relation between the occurrence record and the risk report which originally exist, so that when other users perform insurance investment and the same risk feature also occurs, corresponding new insurance products can be automatically associated to the users, combined or customized insurance products do not need to be reconstructed, and the calculation pressure and the calculation amount of a server are reduced; whether the insurance is combined or customized, corresponding risk characteristics are determined according to the risk report before the insurance is generated, and then the guarantee content is determined according to the risk characteristics, so that a corresponding relation exists between the occurrence record and the risk report.
From the above description, it can be seen that the present invention achieves the following technical effects:
in the embodiment of the application, a label configuration mode is adopted, and the insurance leaving record and the risk report of a user are obtained; determining an insurance product label and a risk feature label according to the insurance record and the risk report; establishing a mapping relation between the insurance product label and the risk characteristic label; the method achieves the purpose of establishing the association between the combined or customized insurance product and the risk features, thereby achieving the technical effect of reducing the large calculation pressure and the calculation amount of the server, and further solving the technical problems of large calculation pressure and excessive repeated calculation of the server caused by the fact that the combined or customized insurance product is not associated with the risk features.
It should be noted that the steps illustrated in the flowcharts of the figures may be performed in a computer system such as a set of computer-executable instructions and that, although a logical order is illustrated in the flowcharts, in some cases, the steps illustrated or described may be performed in an order different than presented herein.
According to an embodiment of the present invention, there is also provided an apparatus for implementing the above tag configuration method, as shown in fig. 6, the apparatus includes:
the acquisition module 10 is used for acquiring the insurance record and the risk report of the user;
a determining module 20, configured to determine an insurance product label and a risk feature label according to the insurance record and the risk report;
an establishing module 30, configured to establish a mapping relationship between the insurance product label and the risk feature label.
From the above description, it can be seen that the present invention achieves the following technical effects:
in the embodiment of the application, a label configuration mode is adopted, and the insurance leaving record and the risk report of a user are obtained; determining an insurance product label and a risk feature label according to the insurance record and the risk report; establishing a mapping relation between the insurance product label and the risk characteristic label; the method achieves the purpose of establishing the association between the combined or customized insurance product and the risk features, thereby achieving the technical effect of reducing the large calculation pressure and the calculation amount of the server, and further solving the technical problems of large calculation pressure and excessive repeated calculation of the server caused by the fact that the combined or customized insurance product is not associated with the risk features.
According to an embodiment of the present invention, there is also provided an electronic device, including a memory, a processor, and a computer program stored in the memory and executable on the processor, where the processor implements the steps of the tag configuration method when executing the program.
There is also provided, according to an embodiment of the present invention, a computer-readable storage medium, on which a computer program is stored, which, when being executed by a processor, carries out the steps of the tag configuration method.
It will be apparent to those skilled in the art that the modules or steps of the present invention described above may be implemented by a general purpose computing device, they may be centralized on a single computing device or distributed across a network of multiple computing devices, and they may alternatively be implemented by program code executable by a computing device, such that they may be stored in a storage device and executed by a computing device, or fabricated separately as individual integrated circuit modules, or fabricated as a single integrated circuit module from multiple modules or steps. Thus, the present invention is not limited to any specific combination of hardware and software.
The above description is only a preferred embodiment of the present application and is not intended to limit the present application, and various modifications and changes may be made by those skilled in the art. Any modification, equivalent replacement, improvement and the like made within the spirit and principle of the present application shall be included in the protection scope of the present application.
Claims (10)
1. A tag configuration method, comprising:
acquiring an insurance record and a risk report of a user;
determining an insurance product label and a risk feature label according to the insurance record and the risk report; and the number of the first and second groups,
and establishing a mapping relation between the insurance product label and the risk characteristic label.
2. The tag configuration method of claim 1, wherein determining an insurance product tag and a risk profile tag from the exposure record and the risk report further comprises:
storing the insurance product tag as an updated insurance product for the user;
generating an insurance recommendation based on the risk report and the updated insurance product.
3. The tag configuration method of claim 1, wherein determining an insurance product tag and a risk profile tag from the occurrence record and the risk report comprises:
extracting an insurance product label from the insurance record;
and extracting a risk characteristic label from the risk report.
4. The tag configuration method of claim 1, wherein obtaining the user's risk record and risk report further comprises:
receiving an insurance customization request sent by a user at a terminal;
calling risk characteristics and risk probability of a user;
determining the type and the proportion of the contents to be guaranteed according to the risk characteristics and the risk probability;
customizing to obtain an insurance product according to the type and the proportion of the content to be guaranteed, and outputting the insurance product at a terminal;
and when the user sends an insurance request at the terminal, generating the insurance record.
5. The tag configuration method according to claim 4, wherein when the user issues an insurance request at the terminal, after generating the insurance record, the method further comprises:
outputting the insurance emergence record at the terminal;
receiving the adjustment operation of a user on an insurance record interface;
the guarantee items and/or the guarantee amounts in the insurance product are configured to adjust the content obtained in the operation.
6. A label arranging apparatus, comprising:
the acquisition module is used for acquiring the insurance record and the risk report of the user;
the determining module is used for determining an insurance product label and a risk characteristic label according to the insurance record and the risk report;
and the establishing module is used for establishing a mapping relation between the insurance product label and the risk characteristic label.
7. The tag configuring apparatus of claim 6, further comprising: insurance advice module for
Storing the insurance product tag as an updated insurance product for the user;
generating an insurance recommendation based on the risk report and the updated insurance product.
8. The tag configuration apparatus according to claim 6, wherein the determining module comprises:
extracting an insurance product label from the insurance record;
and extracting a risk characteristic label from the risk report.
9. The tag configuring apparatus of claim 6, further comprising: insurance customization module for
Receiving an insurance customization request sent by a user at a terminal;
calling risk characteristics and risk probability of a user;
determining the type and the proportion of the contents to be guaranteed according to the risk characteristics and the risk probability;
customizing to obtain an insurance product according to the type and the proportion of the content to be guaranteed, and outputting the insurance product at a terminal;
and when the user sends an insurance request at the terminal, generating the insurance record.
10. The tag configuring apparatus of claim 6, further comprising: a content adjustment module for
Outputting the insurance emergence record at the terminal;
receiving the adjustment operation of a user on an insurance record interface;
the guarantee items and/or the guarantee amounts in the insurance product are configured to adjust the content obtained in the operation.
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Denomination of invention: Label configuration method and device Effective date of registration: 20231225 Granted publication date: 20230929 Pledgee: Wuhu Renmin Road sub branch of Huishang Bank Co.,Ltd. Pledgor: Baoteng Network Technology Co.,Ltd. Registration number: Y2023980074359 |