CN113077352A - Insurance service article recommendation method based on user information and insurance related information - Google Patents
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Abstract
The embodiment of the disclosure discloses an insurance service article recommendation method based on user information and insurance related information. One embodiment of the method comprises: receiving user information; screening each insurance service article in a preset insurance service article library based on the user information to obtain a target insurance service article set; based on the user information and the insurance related information set, scoring insurance service articles in the target insurance service article set to obtain a score set; based on the set of scores, a recommended insurance service item is determined. This embodiment satisfies user needs and eliminates the unreasonable risk of mismatching due to lack of insurance broker experience. The online receiving of the user information and recommendation cannot be influenced by the replacement of the insurance broker, and the user experience and the trust degree are improved. And the time for manual matching is saved by recommending insurance service articles for the user by means of a machine, and the recommendation efficiency is improved.
Description
Technical Field
The embodiment of the disclosure relates to the technical field of computers, in particular to an insurance service article recommendation method based on user information and insurance related information.
Background
With the development of the internet and the enhancement of people's insurance awareness, users often rely on consulting insurance brokers to know the insurance service business, so as to meet the insurance demand. Because insurance products are various in types and related knowledge is wide and complex, if the recommended products are determined by completely depending on the personal experience of insurance brokers and a manual matching mode, uniform recommendation rules do not exist, whether the recommended products meet the requirements of users cannot be determined, and the accuracy is difficult to guarantee. The manual matching mode is time-consuming and labor-consuming, and has poor timeliness. The product mismatch is easily caused by the fact that the requirement information of the user is input by manpower, and the products recommended by different insurance brokers are possibly different, so that the experience brought to the user is poor.
Disclosure of Invention
This summary is provided to introduce a selection of concepts in a simplified form that are further described below in the detailed description. This summary is not intended to identify key features or essential features of the claimed subject matter, nor is it intended to be used to limit the scope of the claimed subject matter.
Some embodiments of the present disclosure propose insurance service item recommendation methods based on user information and insurance-related information to solve the technical problems mentioned in the above background section.
In a first aspect, some embodiments of the present disclosure provide an insurance service item recommendation method based on user information and insurance-related information, the method including:
receiving user information;
screening each insurance service article in a preset insurance service article library based on the user information to obtain a target insurance service article set, wherein the preset insurance service article library has a corresponding insurance-related information set;
based on the user information and the insurance related information set, scoring insurance service articles in the target insurance service article set to obtain a score set;
based on the set of scores, a recommended insurance service item is determined.
In a second aspect, some embodiments of the present disclosure provide an insurance service item recommendation apparatus based on user information and insurance-related information, the apparatus including:
a receiving unit configured to receive user information;
the screening unit is configured to screen each insurance service article in a preset insurance service article library based on the user information to obtain a target insurance service article set, wherein the preset insurance service article library has a corresponding insurance-related information set;
a scoring unit configured to score insurance service articles in the target insurance service article set based on the user information and the insurance-related information set to obtain a score set;
a determination unit configured to determine a recommended insurance service item based on the set of scores.
In a third aspect, some embodiments of the present disclosure provide an electronic device, comprising:
one or more processors;
a storage device having one or more programs stored thereon which, when executed by one or more processors, cause the one or more processors to implement the method as described in the first aspect.
In a fourth aspect, some embodiments of the disclosure provide a computer readable medium having a computer program stored thereon, wherein the program, when executed by a processor, implements the method as described in the first aspect.
One of the above-described various embodiments of the present disclosure has the following advantageous effects: first, accurate data base can be provided by receiving user information online. Then, the insurance service articles are screened according to the user information, and the insurance service articles which meet the user requirements can be screened as much as possible. And then, further scoring the screened insurance service articles according to the user information and the insurance related information so as to determine the recommended insurance service articles. Therefore, the recommended insurance service goods can well meet the user requirements, and the unreasonable risk of mismatching caused by lack of experience of insurance brokers is eliminated. The online receiving of the user information and recommendation cannot be influenced by the replacement of the insurance broker, and the user experience and the trust degree are improved. And the time for manual matching is saved by recommending insurance service articles for the user by means of a machine, and the recommendation efficiency is improved.
Drawings
The above and other features, advantages and aspects of various embodiments of the present disclosure will become more apparent by referring to the following detailed description when taken in conjunction with the accompanying drawings. Throughout the drawings, the same or similar reference numbers refer to the same or similar elements. It should be understood that the drawings are schematic and that elements and elements are not necessarily drawn to scale.
FIG. 1 is a schematic diagram of one application scenario of an insurance service item recommendation method based on user information and insurance-related information, according to some embodiments of the present disclosure;
FIG. 2 is a flow diagram of some embodiments of an insurance service item recommendation method based on user information and insurance-related information, according to the present disclosure;
FIG. 3 is a schematic block diagram of some embodiments of an insurance service item recommendation apparatus based on user information and insurance-related information according to the present disclosure;
FIG. 4 is a schematic block diagram of an electronic device suitable for use in implementing some embodiments of the present disclosure.
Detailed Description
Embodiments of the present disclosure will be described in more detail below with reference to the accompanying drawings. While certain embodiments of the present disclosure are shown in the drawings, it is to be understood that the disclosure may be embodied in various forms and should not be construed as limited to the embodiments set forth herein. Rather, these embodiments are provided for a more thorough and complete understanding of the present disclosure. It should be understood that the drawings and embodiments of the disclosure are for illustration purposes only and are not intended to limit the scope of the disclosure.
It should be noted that, for convenience of description, only the portions related to the related invention are shown in the drawings. The embodiments and features of the embodiments in the present disclosure may be combined with each other without conflict.
It should be noted that the terms "first", "second", and the like in the present disclosure are only used for distinguishing different devices, modules or units, and are not used for limiting the order or interdependence relationship of the functions performed by the devices, modules or units.
It is noted that references to "a", "an", and "the" modifications in this disclosure are intended to be illustrative rather than limiting, and that those skilled in the art will recognize that "one or more" may be used unless the context clearly dictates otherwise.
The names of messages or information exchanged between devices in the embodiments of the present disclosure are for illustrative purposes only, and are not intended to limit the scope of the messages or information.
The present disclosure will be described in detail below with reference to the accompanying drawings in conjunction with embodiments.
Fig. 1 is a schematic diagram of an application scenario of an insurance service item recommendation method based on user information and insurance-related information according to some embodiments of the present disclosure.
In the application scenario of fig. 1, first, a computing device 101 may receive user information 102. Then, the computing device 101 may filter each insurance service item in the preset insurance service item library based on the user information 102 to obtain the target insurance service item set 103. Wherein the preset insurance service goods library has a corresponding set of insurance-related information 104. Thereafter, the computing device 101 may score the insurance service items in the target set of insurance service items 103 based on the user information 102 and the set of insurance-related information 104, resulting in a score set 105. Finally, the computing device 101 may determine to recommend the insurance service item 106 based on the set of scores 105.
The computing device 101 may be hardware or software. When the computing device is hardware, it may be implemented as a distributed cluster composed of multiple servers or terminal devices, or may be implemented as a single server or a single terminal device. When the computing device is embodied as software, it may be installed in the hardware devices enumerated above. It may be implemented, for example, as multiple software or software modules to provide distributed services, or as a single software or software module. And is not particularly limited herein.
It should be understood that the number of computing devices in FIG. 1 is merely illustrative. There may be any number of computing devices, as implementation needs dictate.
With continued reference to fig. 2, a flow 200 of some embodiments of an insurance service item recommendation method based on user information and insurance-related information in accordance with the present disclosure is shown. The method may be performed by the computing device 101 of fig. 1. The insurance service article recommendation method based on the user information and the insurance related information comprises the following steps:
In some embodiments, an executing subject (such as the computing device 101 shown in fig. 1) of the insurance service item recommendation method based on the user information and the insurance-related information may receive the user information input by the user through a wireless connection. The user information may include, but is not limited to, at least one of the following: risk related demand information, premium related demand information, and budget related demand information. As an example, the information on related demand for risk categories may be "need disease-like insurance", the information on demand for insurance may be "insurance service item with a guarantee of XX yuan", and the information on related demand for budget may be "insurance service item with a budget of XXX yuan".
It should be noted that the wireless connection means may include, but is not limited to, a 3G/4G connection, a WiFi connection, a bluetooth connection, a WiMAX connection, a Zigbee connection, a uwb (ultra wideband) connection, and other wireless connection means now known or developed in the future.
In some embodiments, the preset insurance service goods library has a corresponding set of insurance-related information, wherein the insurance-related information includes, but is not limited to, at least one of the following: risk related information, premium related information, price related information, and item code. In particular, the insurance-related information may be information for describing relevant product features of the insurance service item. The executing agent may obtain the target insurance service item set by:
in the first step, the execution subject may perform risk category filtering on the insurance service articles in the preset insurance service article library based on the risk category related demand information and the risk category related information, to obtain a first filtered insurance service article set. As an example, the execution subject may filter out insurance service items whose risk type related information coincides with a risk type in the risk type related demand information, thereby obtaining a first filtered set of insurance service items.
And secondly, the executing body can obtain a preliminary underwriting conclusion of each insurance service article in the first filtering insurance service article set based on the user information to obtain a preliminary underwriting conclusion set. The preliminary underwriting conclusion may be conclusion information describing whether or not an underwriting is possible based on the user information.
And thirdly, the executing body may perform preliminary underwriting conclusion filtering on the insurance service articles in the first filtered insurance service article set based on the preliminary underwriting conclusion set to obtain a second filtered insurance service article set. As an example, the executive may filter out preliminary underwriting conclusions characterizing insurable insurance service items, resulting in the second filtered set of insurance service items.
Fourthly, the executing body can select the insurance service articles which are not in the blacklist from the second filtering insurance service article set to obtain a third filtering insurance service article set. The blacklist may be a set of pre-set non-insurable insurance service item names.
In a fifth step, the executing entity may determine the third filtered insurance service item set as the target insurance service set.
In some embodiments, the executing agent may score the target insurance service goods in the target insurance service goods set to obtain a score set by:
in a first step, the execution subject may group insurance service articles in the target insurance service article set based on the article code to obtain at least one insurance service article group. The item code may be a preset code for distinguishing insurance service items. As an example, the item code may be "JBXGBX 1003," representing "disease-related insurance number 1003. As an example, the item code may be "YWBX 2005," representing "accident insurance number 2005.
As an example, the item code for an insurance service item in the target insurance service item set may be "JBXGBX 1003, YWBX2009, JBXGBX1005, JBXGBX1006, YWBX 2005". The execution principals may be grouped into a "JBXGBX 1003, JBXGBX1005, JBXGBX 1006" group and a "YWBX 2009, YWBX 2005" group.
In a second step, the executing entity may select, from each insurance service item group of the at least one insurance service item group, an insurance service item whose difference between a preset number (e.g., 1) of the insurance shares and the insurance shares in the demand information related to the insurance shares meets a preset threshold, so as to obtain a first pre-selected insurance service item set. As an example, the preset threshold may be "10 ten thousand yuan".
Thirdly, the executing body can select the insurance service goods with the price related information not larger than the budget related demand information from the pre-selected insurance service goods set to obtain a second pre-selected insurance service goods set. As an example, the price-related information may be insurance price information of an insurance service item.
Fourthly, the executing body can score the insurance service articles in the second pre-selected insurance service article set to obtain scores so as to form a score set. As an example, the executing agent may score the insurance service items in the second set of pre-selected insurance service items based on a preset scoring method. By way of example, the executive body may employ an es (elastic search) distributed full-text search engine to score insurance service items.
And step 204, determining recommended insurance service articles based on the score set.
In some embodiments, the executing entity may sort the insurance service items in the second pre-selected insurance service item set according to scores from high to low based on the score set, so as to obtain an insurance service item sequence. Then, the execution subject may determine a recommended insurance service item based on the insurance service item sequence. As an example, the execution subject may determine an insurance service item first in the sequence of insurance service items as a recommended insurance service item.
In some optional implementations of some embodiments, the method further comprises: the execution subject can determine whether the insurance service article meets the recommended insurance premium requirement or not based on the insurance premium related information of the recommended insurance service martin; in response to determining that the determination is not satisfied, the execution subject may generate a prompt; the execution main body may transmit the prompt message to a target device having a display function, and the execution main body may control the target device to display the prompt message. As an example, the recommended premium requirement may be "the premium of the recommended insurance service item is 50% of the information related to the premium requirement in the user information, and the premium is less than 10 ten thousand yuan". As an example, the prompt may be "user budget limited, recommending insurance service items can guarantee only partial premium".
One of the above-described various embodiments of the present disclosure has the following advantageous effects: first, accurate data base can be provided by receiving user information online. Then, the insurance service articles are screened according to the user information, and the insurance service articles which meet the user requirements can be screened as much as possible. And then, further scoring the screened insurance service articles according to the user information and the insurance related information so as to determine the recommended insurance service articles. Therefore, the recommended insurance service goods can well meet the user requirements, and the unreasonable risk of mismatching caused by lack of experience of insurance brokers is eliminated. The online receiving of the user information and recommendation cannot be influenced by the replacement of the insurance broker, and the user experience and the trust degree are improved. And the time for manual matching is saved by recommending insurance service articles for the user by means of a machine, and the recommendation efficiency is improved.
With further reference to fig. 3, as an implementation of the above-described methods for the above-described figures, the present disclosure provides some embodiments of an insurance service item recommendation apparatus based on user information and insurance-related information, which correspond to those of the method embodiments described above for fig. 2, and which may be applied in various electronic devices in particular.
As shown in fig. 3, the insurance service item recommendation apparatus 300 of some embodiments based on user information and insurance-related information includes: a receiving unit 301, a screening unit 302, a scoring unit 303 and a determining unit 304. Wherein, the receiving unit 301 is configured to receive user information; a screening unit 302, configured to screen each insurance service item in a preset insurance service item library based on the user information, to obtain a target insurance service item set, where the preset insurance service item library has a corresponding insurance-related information set; a scoring unit 303, configured to score insurance service articles in the target insurance service article set based on the user information and the insurance-related information set to obtain a score set; a determining unit 304 configured to determine a recommended insurance service item based on the set of scores.
In some optional implementations of some embodiments, the user information includes: risk related demand information, premium related demand information, and budget related demand information.
In some optional implementations of some embodiments, the insurance-related information includes at least one of: risk related information, premium related information, price related information, and item code.
In some optional implementations of some embodiments, the filtering unit 302 of the insurance service item recommendation apparatus 300 based on the user information and the insurance-related information is further configured to: performing dangerous species filtering on insurance service articles in the preset insurance service article library based on the dangerous species related demand information and the dangerous species related information to obtain a first filtering insurance service article set; based on the user information, obtaining a preliminary underwriting conclusion of each insurance service article in the first filtering insurance service article set to obtain a preliminary underwriting conclusion set; performing preliminary underwriting conclusion filtering on insurance service articles in the first filtering insurance service article set based on the preliminary underwriting conclusion set to obtain a second filtering insurance service article set; selecting insurance service articles which are not in the blacklist from the second filtering insurance service article set to obtain a third filtering insurance service article set; determining the third filtered set of insurance service items as the target set of insurance services.
In some optional implementations of some embodiments, the scoring unit 303 of the insurance service item recommendation device 300 based on the user information and the insurance-related information is further configured to: grouping insurance service articles in the target insurance service article set based on the article codes to obtain at least one insurance service article group; selecting insurance service articles of which the difference value between a preset number of the insurance amounts and the insurance amounts in the insurance amount related demand information accords with a preset threshold value from each insurance service article group of the at least one insurance service article group to obtain a first pre-selected insurance service article set; selecting an insurance service item with price-related information not greater than the budget-related demand information from the pre-selected insurance service item set to obtain a second pre-selected insurance service item set; scoring insurance service items in the second set of pre-selected insurance service items to obtain scores to form a score set.
In some optional implementations of some embodiments, the determining unit 304 of the insurance service item recommendation apparatus 300 based on the user information and the insurance-related information is further configured to: based on the score set, sorting the insurance service articles in the second pre-selected insurance service article set from high to low according to scores to obtain an insurance service article sequence; determining the recommended insurance service item based on the sequence of insurance service items.
In some optional implementations of some embodiments, the insurance service item recommendation device 300 based on the user information and the insurance-related information is further configured to: determining whether the insurance service article meets a recommended premium requirement based on the premium-related information of the recommended insurance service article; in response to determining that the prompt is not satisfied, generating a prompt; and transmitting the prompt information to target equipment with a display function, and controlling the target equipment to display the prompt information.
It will be understood that the units described in the apparatus 300 correspond to the various steps in the method described with reference to fig. 2. Thus, the operations, features and resulting advantages described above with respect to the method are also applicable to the apparatus 300 and the units included therein, and are not described herein again.
Referring now to FIG. 4, a block diagram of an electronic device (e.g., computing device 101 of FIG. 1)400 suitable for use in implementing some embodiments of the present disclosure is shown. The server shown in fig. 4 is only an example, and should not bring any limitation to the functions and the scope of use of the embodiments of the present disclosure.
As shown in fig. 4, electronic device 400 may include a processing device (e.g., central processing unit, graphics processor, etc.) 401 that may perform various appropriate actions and processes in accordance with a program stored in a Read Only Memory (ROM)402 or a program loaded from a storage device 408 into a Random Access Memory (RAM) 403. In the RAM 403, various programs and data necessary for the operation of the electronic apparatus 400 are also stored. The processing device 401, the ROM402, and the RAM 403 are connected to each other via a bus 404. An input/output (I/O) interface 405 is also connected to bus 404.
Generally, the following devices may be connected to the I/O interface 405: input devices 406 including, for example, a touch screen, touch pad, keyboard, mouse, camera, microphone, accelerometer, gyroscope, etc.; an output device 407 including, for example, a Liquid Crystal Display (LCD), a speaker, a vibrator, and the like; storage 408 including, for example, tape, hard disk, etc.; and a communication device 409. The communication means 409 may allow the electronic device 400 to communicate wirelessly or by wire with other devices to exchange data. While fig. 4 illustrates an electronic device 400 having various means, it is to be understood that not all illustrated means are required to be implemented or provided. More or fewer devices may alternatively be implemented or provided. Each block shown in fig. 4 may represent one device or may represent multiple devices as desired.
In particular, according to some embodiments of the present disclosure, the processes described above with reference to the flow diagrams may be implemented as computer software programs. For example, some embodiments of the present disclosure include a computer program product comprising a computer program embodied on a computer readable medium, the computer program comprising program code for performing the method illustrated in the flow chart. In some such embodiments, the computer program may be downloaded and installed from a network through the communication device 409, or from the storage device 408, or from the ROM 402. The computer program, when executed by the processing apparatus 401, performs the above-described functions defined in the methods of some embodiments of the present disclosure.
It should be noted that the computer readable medium described above in some embodiments of the present disclosure may be a computer readable signal medium or a computer readable storage medium or any combination of the two. A computer readable storage medium may be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination of the foregoing. More specific examples of the computer readable storage medium may include, but are not limited to: an electrical connection having one or more wires, a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In some embodiments of the disclosure, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. In some embodiments of the present disclosure, however, a computer readable signal medium may include a propagated data signal with computer readable program code embodied therein, for example, in baseband or as part of a carrier wave. Such a propagated data signal may take many forms, including, but not limited to, electro-magnetic, optical, or any suitable combination thereof. A computer readable signal medium may also be any computer readable medium that is not a computer readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device. Program code embodied on a computer readable medium may be transmitted using any appropriate medium, including but not limited to: electrical wires, optical cables, RF (radio frequency), etc., or any suitable combination of the foregoing.
In some embodiments, the clients, servers may communicate using any currently known or future developed network Protocol, such as HTTP (HyperText Transfer Protocol), and may interconnect with any form or medium of digital data communication (e.g., a communications network). Examples of communication networks include a local area network ("LAN"), a wide area network ("WAN"), the Internet (e.g., the Internet), and peer-to-peer networks (e.g., ad hoc peer-to-peer networks), as well as any currently known or future developed network.
The computer readable medium may be embodied in the apparatus; or may exist separately without being assembled into the electronic device. The computer readable medium carries one or more programs which, when executed by the electronic device, cause the electronic device to: receiving user information; screening each insurance service article in a preset insurance service article library based on the user information to obtain a target insurance service article set, wherein the preset insurance service article library has a corresponding insurance-related information set; based on the user information and the insurance related information set, scoring insurance service articles in the target insurance service article set to obtain a score set; based on the set of scores, a recommended insurance service item is determined.
Computer program code for carrying out operations for embodiments of the present disclosure may be written in any combination of one or more programming languages, including an object oriented programming language such as Java, Smalltalk, C + +, and conventional procedural programming languages, such as the "C" programming language or similar programming languages. The program code may execute entirely on the user's computer, partly on the user's computer, as a stand-alone software package, partly on the user's computer and partly on a remote computer or entirely on the remote computer or server. In the case of a remote computer, the remote computer may be connected to the user's computer through any type of network, including a Local Area Network (LAN) or a Wide Area Network (WAN), or the connection may be made to an external computer (for example, through the Internet using an Internet service provider).
The flowchart and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present disclosure. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams and/or flowchart illustration, and combinations of blocks in the block diagrams and/or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.
The units described in some embodiments of the present disclosure may be implemented by software, and may also be implemented by hardware. The described units may also be provided in a processor, and may be described as: a processor includes a receiving unit, a screening unit, a scoring unit, and a determining unit. Where the names of these units do not in some cases constitute a limitation of the unit itself, for example, a receiving unit may also be described as a "unit receiving user information".
The functions described herein above may be performed, at least in part, by one or more hardware logic components. For example, without limitation, exemplary types of hardware logic components that may be used include: field Programmable Gate Arrays (FPGAs), Application Specific Integrated Circuits (ASICs), Application Specific Standard Products (ASSPs), systems on a chip (SOCs), Complex Programmable Logic Devices (CPLDs), and the like.
The foregoing description is only exemplary of the preferred embodiments of the disclosure and is illustrative of the principles of the technology employed. It will be appreciated by those skilled in the art that the scope of the invention in the embodiments of the present disclosure is not limited to the specific combination of the above-mentioned features, but also encompasses other embodiments in which any combination of the above-mentioned features or their equivalents is made without departing from the inventive concept as defined above. For example, the above features and (but not limited to) technical features with similar functions disclosed in the embodiments of the present disclosure are mutually replaced to form the technical solution.
Claims (10)
1. An insurance service item recommendation method based on user information and insurance-related information is characterized by comprising the following steps:
receiving user information;
screening each insurance service article in a preset insurance service article library based on the user information to obtain a target insurance service article set, wherein the preset insurance service article library has a corresponding insurance-related information set;
based on the user information and the insurance related information set, scoring insurance service articles in the target insurance service article set to obtain a score set;
based on the set of scores, a recommended insurance service item is determined.
2. The method of claim 1, wherein the user information comprises: risk related demand information, premium related demand information, and budget related demand information.
3. The method of claim 2, wherein the insurance-related information comprises at least one of: risk related information, premium related information, price related information, and item code.
4. The method according to claim 3, wherein the screening each insurance service item in a preset insurance service item library based on the user information to obtain a target set of insurance service items comprises:
performing dangerous species filtering on insurance service articles in the preset insurance service article library based on the dangerous species related demand information and the dangerous species related information to obtain a first filtering insurance service article set;
generating a preliminary underwriting conclusion of each insurance service article in the first filtering insurance service article set based on the user information to obtain a preliminary underwriting conclusion set;
performing preliminary underwriting conclusion filtering on insurance service articles in the first filtering insurance service article set based on the preliminary underwriting conclusion set to obtain a second filtering insurance service article set;
selecting insurance service articles which are not in the blacklist from the second filtering insurance service article set to obtain a third filtering insurance service article set;
determining the third filtered set of insurance service items as the target set of insurance services.
5. The method according to any one of claims 1 to 4, wherein said scoring a target insurance service item in said set of target insurance service items based on said user information and said set of insurance-related information, resulting in a set of scores, comprises:
grouping insurance service articles in the target insurance service article set based on the article codes to obtain at least one insurance service article group;
selecting insurance service articles of which the difference value between a preset number of the insurance amounts and the insurance amounts in the insurance amount related demand information accords with a preset threshold value from each insurance service article group of the at least one insurance service article group to obtain a first pre-selected insurance service article set;
selecting an insurance service item with price-related information not greater than the budget-related demand information from the pre-selected insurance service item set to obtain a second pre-selected insurance service item set;
scoring insurance service items in the second set of pre-selected insurance service items to obtain scores to form a score set.
6. The method of claim 5, wherein determining a recommended insurance service item based on the set of scores comprises:
based on the score set, sorting the insurance service articles in the second pre-selected insurance service article set from high to low according to scores to obtain an insurance service article sequence;
determining the recommended insurance service item based on the sequence of insurance service items.
7. The method of claim 6, further comprising:
determining whether the insurance service article meets a recommended premium requirement based on the premium-related information of the recommended insurance service article;
in response to determining that the prompt is not satisfied, generating a prompt;
and transmitting the prompt information to target equipment with a display function, and controlling the target equipment to display the prompt information.
8. An insurance service item recommendation apparatus based on user information and insurance-related information, comprising:
a receiving unit configured to receive user information;
the screening unit is configured to screen each insurance service article in a preset insurance service article library based on the user information to obtain a target insurance service article set, wherein the preset insurance service article library has a corresponding insurance-related information set;
a scoring unit configured to score insurance service articles in the target insurance service article set based on the user information and the insurance-related information set to obtain a score set;
a determination unit configured to determine a recommended insurance service item based on the set of scores.
9. An electronic device, comprising:
one or more processors;
a storage device having one or more programs stored thereon;
when executed by the one or more processors, cause the one or more processors to implement the method of any one of claims 1-7.
10. A computer-readable medium, on which a computer program is stored, wherein the program, when executed by a processor, implements the method of any one of claims 1-7.
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