本說明書實施例提供一種保險業務的處理方法、裝置及設備。
為了使本技術領域的人員更好地理解本說明書中的技術方案，下面將結合本說明書實施例中的圖式，對本說明書實施例中的技術方案進行清楚、完整地描述，顯然，所描述的實施例僅僅是本說明書一部分實施例，而不是全部的實施例。基於本說明書中的實施例，本領域普通技術人員在沒有作出創造性勞動前提下所獲得的所有其他實施例，都應當屬於本說明書保護的範圍。
實施例一
如圖1所示，本說明書實施例提供一種保險業務的處理方法，該方法的執行主體可以為終端設備或伺服器，其中，該終端設備可以如個人電腦等設備。該伺服器可以是獨立的伺服器，也可以是由多個伺服器組成的伺服器集群，而且，該伺服器可以是包含保險業務的某項業務(如金融業務等)的後台伺服器，也可以是某網站(如某保險機構的網站或支付應用程式等)的後台伺服器等。該方法可以用於基於不同用戶的實際情況，確定該用戶可能存在的人身、健康和財產等風險，並為該用戶制定對應的保險業務方案等處理中，為了提高保險業務的處理效率，本實施例中以執行主體為伺服器為例進行說明，對於終端設備的情況，可以根據下述相關內容處理，在此不再贅述。該方法具體可以包括以下步驟：
在步驟S102中，獲取目標用戶針對保險業務的保險訴求資訊。
其中，目標用戶可以是任意用戶，目標用戶可以是具有保險需求的用戶。保險業務可以是指投保人根據預先約定，向保險人支付保險費，保險人對於預先約定的可能發生的事故，因其發生所造成的財產損失而承擔賠償保險金責任，或者被保險人死亡、傷殘、疾病或者達到預先約定的年齡、期限等條件時承擔給付保險金責任的行為的相關業務。保險業務可以包括一個或多個保險類目，例如人身安全類保險、健康類保險和財產類保險等。保險訴求資訊可以是用戶對某一保險類目或多個保險類目的需求資訊，保險訴求資訊中可以包括用戶年齡、性別、工作情況(可以包括工作性質、工作地點等)、所擁有的車輛情況(可以包括車輛購買年限、車輛型號等)、駕齡、出行情況和健康情況等中的一項或多項。
在實施中，隨著保險知識的普及人們對保險理念的加深，越來越多的人選擇保險作為自己進行理財規劃與風險管理的重要工具。而隨著保險業務的種類以及項目的不斷增多，如何在眾多的保險業務方案中選擇適合自己的保險業務方案成為需要解決的問題。通常，保險業務方案是由保險機構中的精算產品部門進行統一的業務方案設計、定價和報備的，然後，保險機構會將保險業務方案投放到市場中進行銷售。具有保險需求的用戶可以在相關的銷售網點或網路頁面中查看或諮詢相關的保險業務方案，並可以選擇適合自己的保險業務方案進行投保。
由於保險業務方案通常是由保險機構中的精算產品部門進行統一設計，而且不同的用戶，其自身的情況可能不同，對保險業務的需求也會不同，這樣，在用戶選擇保險業務方案時不得不進行多方面的取捨或投保多個不同的保險業務方案，甚至放棄投保，從而使得保險業務方案不能滿足不同用戶的需求，用戶的投保率低下，而且，保險業務方案千篇一律，不具競爭力，無法有效解決被保險人的相關痛點。為此，本說明書實施例提供一種相關技術方案以解決上述問題，具體可以參見下述相關內容：
可以針對保險業務開發相應的應用程式，通過給應用程式可以請求該保險業務的相關服務，例如，可以通過該應用程式選擇一項保險類目(如健康類)，並請求該保險類目下的相關服務(如住院醫療保險服務或重疾險服務等)等。目標用戶的終端設備中可以安裝有上述應用程式，目標用戶的終端設備安裝上述應用程式的過程中，可以徵求用戶是否同意收集目標用戶的歷史資料，如果目標用戶同意，則當目標用戶使用終端設備的過程中，終端設備可以記錄目標用戶使用終端設備進行相關操作的資訊、目標用戶使用上述應用程式過程中產生的相關資料和終端設備檢測到的目標用戶的相關行為資料等，並可以實時將記錄的上述資料發送給相應的儲存系統進行儲存，其中，該儲存系統可以是分布式儲存系統，還可以是集中式儲存系統，在實際應用中，該儲存系統可以通過區塊鏈實現，這樣，可以保證儲存的上述資料的可靠性和準確性。
該應用程式中可以包括保險業務的定制選項，當目標用戶需要定制滿足其個人的保險業務時，可以點擊該應用程式中的定制選項，終端設備可以獲取相應的定制頁面的資料，並將該定制頁面呈現給目標用戶。該定制頁面中可以包括一個或多個資訊輸入框，如果只包括一個資訊輸入框，則該資訊輸入框可以用於目標用戶輸入保險業務的保險訴求資訊，如果包括多個資訊輸入框，則如圖2所示，可以包括如年齡輸入框、性別選項和用於輸入保險業務的保險訴求資訊的資訊輸入框等。目標用戶可以根據實際情況，在該定制頁面中的相應資訊輸入框中輸入相應的資訊，輸入完成後，目標用戶可以點擊該定制頁面中的確定按鍵，終端設備可以獲取資訊輸入框中的資訊，並可以將獲取的資訊作為針對保險業務的保險訴求資訊，可以將該保險訴求資訊發送給伺服器，從而伺服器可以獲取到目標用戶針對保險業務的保險訴求資訊。
需要說明的是，如圖2所示，為了保證用戶資料的安全性，可以在上述定制頁面中設置是否允許收集目標用戶的相關歷史資料的選項，如果目標用戶選擇允許收集相關歷史資料的選項，則可以將資訊輸入框中的資訊作為保險訴求資訊發送給伺服器，如果目標用戶選擇不允許收集相關歷史資料的選項，則可以通知目標用戶無法進行保險定制，或者，可以通過其它方式進行保險定制，例如僅憑藉目標用戶的保險訴求資訊，為目標用戶選擇現有保險業務方案或生成針對目標用戶的保險業務方案等。
在步驟S104中，基於上述保險訴求資訊，從預定的區塊鏈節點中獲取目標用戶的目標歷史資料，該目標歷史資料中至少包括用於表徵該保險訴求資訊的相關歷史資料。
其中，目標歷史資料可以包括目標用戶的多方面歷史資料，例如目標用戶進行某項運動(如跑步、打籃球、踢足球或打羽毛球)的相關資料，具體如可以包括運動時長、相鄰兩次運動之間的間隔時長等，此外，還可以包括如目標用戶就診或生病的相關資料，具體如每次生病的持續時長、相鄰兩次生病的時間間隔等。目標歷史資料中至少可以包括與該保險訴求資訊中的內容相關的歷史資料，例如，該保險訴求資訊中包括與目標用戶的健康相關的資訊，則目標歷史資料中可以包括如目標用戶進行某項運動的相關資料和目標用戶就診或生病的相關資料等。
在實施中，考慮到目標用戶提交的保險訴求資訊中包含的資訊內容有限，可能無法體現出目標用戶適合於哪一種保險類目中的哪一項保險業務方案，例如，保險訴求資訊中包含了目標用戶對健康進行保障的訴求，而健康類保險中可以包括住院醫療保險方案和重疾險方案，因此，無法確定目標用戶適用於哪一項保險業務方案，而且也無法體現出只針對目標用戶的保險業務方案，為此，可以對目標用戶提交的保險訴求資訊進行分析，可以從中確定目標用戶對哪些保險類目或哪些方面有需求，然後，可以向上述儲存系統請求目標用戶需求的保險類目或需求的方面相關的歷史資料(即目標歷史資料)。例如，通過對保險訴求資訊的分析，確定目標用戶對健康保障方面有需求，則可以獲取如目標用戶進行某項運動的相關資料，如打羽毛球的時間和時長，以及單位時間內的頻次等，還可以獲取如目標用戶就診或生病的相關資料，如就診或生病的時間和時長，以及單位時間內的頻次等。
此外，為了防止目標用戶的上述資料被惡意竄改或被盜取，上述用於儲存用戶相關資料的儲存系統可以通過區塊鏈實現，因此，終端設備可以實時將記錄的用戶的上述資料發送給相應的區塊鏈中的區塊鏈節點進行儲存。而當獲取到目標用戶針對保險業務的保險訴求資訊後，可以向上述區塊鏈中的相應區塊鏈節點請求目標用戶的目標歷史資料，這樣，可以保證獲取的目標歷史資料的可靠性和準確性，以提高生成的保險業務方案與目標用戶的匹配度。
在步驟S106中，根據上述目標歷史資料和上述保險訴求資訊，生成針對目標用戶的保險業務方案。
其中，保險業務方案可以是保險機構為市場或客戶提供的有形保險產品和無形保險服務的綜合體，保險業務方案在狹義上可以是指由保險機構創造、可供客戶選擇，並可在保險市場進行交易的金融工具，在廣義上可以是指保險機構向市場或客戶提供並可由客戶取得、利用或消費的一切保險產品和保險服務等。保險業務方案可以包括某一項或多項保險方案，例如住院醫療保險方案或重疾險方案，不同的保險業務方案，其內容可以不同，以住院醫療保險方案為例，可以包括以下內容：保費：XXX元/月；期限：1年；保障範圍：不限病種、不限治療時間；免賠額：重大疾病0免賠，其它病種年度累計免賠1萬；報銷比例：100%報銷；等待期：30天(意外醫療無等待期)；醫院範圍：二級及以上公立醫院；理賠方式：上門墊付醫藥費/在線便捷理賠；續保：可逐年續保、免等待期、免健康告知；退保：15天內全額退款無手續費等。
在實施中，通過上述方式獲取目標歷史資料後，可以將目標歷史資料中的各條資料與上述保險訴求資訊進行匹配計算，得到每條資料與保險訴求資訊的匹配度，可以根據得到的每條資料與保險訴求資訊的匹配度，確定符合目標用戶的實際需求，例如，目標用戶的保險訴求資訊指示目標用戶對健康保障方面有需求，而且，通過對保險訴求資訊和目標歷史資料的分析，確定目標用戶生病的次數較多，且病種較雜等，則可以基於上述資訊為目標用戶生成針對其個人的保險方案，即保險業務方案，具體如上述住院醫療保險方案等。另外，目標用戶的保險訴求資訊除了可以指示目標用戶對健康保障方面有需求外，還可以指示目標用戶對其它方面(如人身安全或車輛安全等)有需求，如果通過對保險訴求資訊和目標歷史資料的分析，為目標用戶生成針對其個人的相應保險方案，例如車險方案或人身意外險方案等。
本說明書實施例提供一種保險業務的處理方法，通過獲取目標用戶針對保險業務的保險訴求資訊，然後，可以基於該保險訴求資訊，從預定的區塊鏈節點中獲取目標用戶的目標歷史資料，該目標歷史資料中至少包括用於表徵該保險訴求資訊的相關歷史資料，可以根據該目標歷史資料和該保險訴求資訊，生成針對目標用戶的保險業務方案，這樣，可以通過目標用戶的保險訴求資訊和用於表徵該保險訴求資訊的相關歷史資料，為目標用戶定制專屬的保險業務方案，由於保險業務方案是基於目標用戶的相關資訊生成的，因此生成的保險業務方案可以根據用戶的不同而不同，而且，保險業務方案是基於目標用戶的保險訴求資訊和相關歷史資料生成的，因此，生成的保險業務方案更符合目標用戶的需求，從而可以大大提高用戶對保險業務方案的投保率，提高用戶體驗。
實施例二
如圖3所示，本說明書實施例提供一種保險業務的處理方法，該方法的執行主體可以為終端設備或伺服器，其中，該終端設備可以如個人電腦等設備。該伺服器可以是獨立的伺服器，也可以是由多個伺服器組成的伺服器集群，而且，該伺服器可以是包含保險業務的某項業務(如金融業務等)的後台伺服器，也可以是某網站(如某保險機構的網站或支付應用程式等)的後台伺服器等。該方法可以用於基於不同用戶的實際情況，確定該用戶可能存在的人身、健康和財產等風險，並為該用戶制定對應的保險業務方案等處理中，為了提高保險業務的處理效率，本實施例中以執行主體為伺服器為例進行說明，對於終端設備的情況，可以根據下述相關內容處理，在此不再贅述。該方法具體可以包括以下步驟：
在步驟S302中，獲取目標用戶針對保險業務的保險訴求資訊。
上述步驟S302的步驟內容與上述實施例一中步驟S102的步驟內容相同，步驟S302的具體處理過程可以參見上述步驟S102中的相關內容，在此不再贅述。
在步驟S304中，基於上述保險訴求資訊，從預定的區塊鏈節點中獲取目標用戶的目標歷史資料，該目標歷史資料中至少包括用於表徵該保險訴求資訊的相關歷史資料。
其中，該目標歷史資料中包括目標用戶的歷史行為資料和目標用戶的歷史結果資料。歷史行為資料可以是目標用戶的行為資料，例如目標用戶跑步、打籃球、踢足球或打羽毛球的相關資料，歷史結果資料可以是目標用戶執行某項事務的相關資料，例如，目標用戶在2018年9月16日在某醫院購買了某藥品的相關資料等。區塊鏈節點可以為聯盟鏈中的節點、私有鏈中的節點或公有鏈中的節點等。
在實施中，當目標用戶使用終端設備的過程中，終端設備可以記錄目標用戶使用終端設備進行相關操作的資訊、目標用戶使用上述應用程式過程中產生的相關資料和終端設備檢測到的目標用戶的相關行為資料，以及目標用戶的相關歷史結果資料等。由於目標用戶的上述歷史行為資料和歷史結果資料屬於目標用戶的個人資訊，而且上述資料是對目標用戶的行為和目標用戶執行某項事務得到的結果的記錄，屬於目標用戶的個人行為和結果資料，為了防止目標用戶的上述資料被惡意竄改或被盜取，可以實時將記錄的上述資料發送給相應的區塊鏈中的區塊鏈節點進行儲存。
當獲取到目標用戶針對保險業務的保險訴求資訊後，可以對目標用戶的保險訴求資訊進行分析，可以從中確定目標用戶對哪些保險類目或哪些方面有需求，然後，可以向上述區塊鏈中的相應區塊鏈節點請求目標用戶需求的保險類目或需求的方面相關的歷史資料(即目標歷史資料)。
在步驟S306中，根據上述目標歷史資料，確定目標用戶對應的預選保險類型。
其中，預選保險類型可以是可供選擇的保險類型，預選保險類型可以包括一種或多種保險類型，例如人身、健康和財產等。
在實施中，目標歷史資料中可以包括目標用戶的多個方面的歷史資料，通過對上述多個方面的歷史資料的分析，可以確定目標用戶可能需要哪些方面的保障，然後，可以基於目標用戶可能需要的保障確定可能適合目標用戶的保險類型，可以將上述確定的可能適合目標用戶的保險類型作為目標用戶對應的預選保險類型。例如，目標歷史資料中包括目標用戶生病或就診的相關資料和目標用戶擁有一輛汽車的相關資料，以及目標用戶多次進行體育運動的相關資料，則通過對上述資料的分析，可以確定目標用戶可能需要醫療方面的保障、車輛安全方面的保障和人身安全方面的保障等，可以將人身、健康和財產三個保險類型作為目標用戶對應的預選保險類型。
在步驟S308中，對目標用戶對應的預選保險類型和上述保險訴求資訊進行匹配計算，確定目標用戶對應的目標保險類型。
其中，目標保險類型可以是目標用戶需求的保險類型。
在實施中，通過上述方式得到目標用戶對應的預選保險類型後，可以對目標用戶的保險訴求資訊進行分析，具體可以是：可以根據保險訴求資訊中包含的關鍵詞，將保險訴求資訊劃分為多個不同的部分，每個部分可以根據其對應的關鍵詞分配相應的權重，然後可以對相同或相似的部分進行聚類處理，可以將一類中包含的各個部分的權重進行疊加，得到該類對應的權重，這樣可以得到每個類的權重，可以將每個類分別與預選保險類型進行匹配分析，確定每個預選保險類型對應的匹配值，可以將匹配值大於預先設定的匹配閾值的預選保險類型作為目標用戶對應的目標保險類型。例如，基於上述步驟S306中的示例，預選保險類型包括人身、健康和財產，如果通過對保險訴求資訊的上述分析，確定預選保險類型為人身對應的匹配值小於預先設定的匹配閾值，則可以將健康和財產確定為目標用戶對應的目標保險類型。
在步驟S310中，根據上述目標保險類型、目標歷史資料和上述保險訴求資訊，生成針對目標用戶的保險業務方案。
在實施中，通過上述方式確定目標保險類型後，可以基於目標歷史資料和上述保險訴求資訊為目標用戶生成針對其個人的保險方案，即保險業務方案。例如目標保險類型包括健康和財產，然後，通過對目標歷史資料和上述保險訴求資訊的分析確定目標用戶生病的次數較多，且病種較雜，而且目標用戶經常駕車出行，且目標用戶的駕齡較短，則可以為目標用戶生成針對其個人的車險方案和住院醫療險方案等。
在步驟S312中，將上述保險業務方案發送給目標用戶。
在步驟S314中，當接收到目標用戶對上述保險業務方案的操作行為資料後，將該操作行為資料儲存到預定的區塊鏈節點中。
其中，區塊鏈節點可以為聯盟鏈中的節點、私有鏈中的節點或公有鏈中的節點等。
在實施中，保險業務方案可以包括一個保險方案，也可以包括多個保險方案，當將上述保險業務方案發送給目標用戶後，可以目標用戶的終端設備可以顯示各個保險業務方案，目標用戶可以查看各個保險業務方案的具體內容，如果目標用戶認為某一個或多個保險業務方案適合自己，則可以進行投保，在投保的過程中，目標用戶的終端設備可以向伺服器發送目標用戶對上述保險業務方案的操作行為資料，伺服器可以將目標用戶對上述保險業務方案的操作行為資料儲存到預定的區塊鏈節點中。
本說明書實施例提供一種保險業務的處理方法，通過獲取目標用戶針對保險業務的保險訴求資訊，然後，可以基於該保險訴求資訊，從預定的區塊鏈節點中獲取目標用戶的目標歷史資料，該目標歷史資料中至少包括用於表徵該保險訴求資訊的相關歷史資料，可以根據該目標歷史資料和該保險訴求資訊，生成針對目標用戶的保險業務方案，這樣，可以通過目標用戶的保險訴求資訊和用於表徵該保險訴求資訊的相關歷史資料，為目標用戶定制專屬的保險業務方案，由於保險業務方案是基於目標用戶的相關資訊生成的，因此生成的保險業務方案可以根據用戶的不同而不同，而且，保險業務方案是基於目標用戶的保險訴求資訊和相關歷史資料生成的，因此，生成的保險業務方案更符合目標用戶的需求，從而可以大大提高用戶對保險業務方案的投保率，提高用戶體驗。
實施例三
如圖4所示，本說明書實施例提供一種保險業務的處理方法，該方法的執行主體可以為終端設備或伺服器，其中，該終端設備可以如個人電腦等設備。該伺服器可以是獨立的伺服器，也可以是由多個伺服器組成的伺服器集群，而且，該伺服器可以是包含保險業務的某項業務(如金融業務等)的後台伺服器，也可以是某網站(如某保險機構的網站或支付應用程式等)的後台伺服器等。該方法可以用於基於不同用戶的實際情況，確定該用戶可能存在的人身、健康和財產等風險，並為該用戶制定對應的保險業務方案等處理中，為了提高保險業務的處理效率，本實施例中以執行主體為伺服器為例進行說明，對於終端設備的情況，可以根據下述相關內容處理，在此不再贅述。該方法具體可以包括以下步驟：
在步驟S402中，獲取目標用戶針對保險業務的保險訴求資訊。
在步驟S404中，基於上述保險訴求資訊，從預定的區塊鏈節點中獲取目標用戶的目標歷史資料，該目標歷史資料中至少包括用於表徵該保險訴求資訊的相關歷史資料。
其中，該目標歷史資料中包括目標用戶的歷史行為資料和目標用戶的歷史結果資料。區塊鏈節點為聯盟鏈中的節點、私有鏈中的節點或公有鏈中的節點。
上述步驟S402和步驟S404的步驟內容分別與上述實施例二中步驟S302和步驟S304的步驟內容相同，步驟S402和步驟S404的具體處理過程可以分別參見上述步驟S302和步驟S304中的相關內容，在此不再贅述。
在步驟S406中，將上述目標歷史資料和上述保險訴求資訊輸入到保險類型模型中進行計算，得到目標用戶對應的目標保險類型。
其中，保險類型模型可以通過多種方式建構，例如可以通過聚類演算法建構該保險類型模型，其中的聚類演算法可以包括k-means演算法、k-medoids演算法、Birch演算法和Cure演算法等中的一個或多個，也可以通過相似度匹配演算法建構該保險類型模型，其中的相似度匹配演算法可以是基於歐幾裡得距離的相關演算法、基於切比雪夫距離的相關演算法和基於曼哈頓距離的相關演算法等，還可以基於聚類演算法和相似度匹配演算法共同建構該保險類型模型，本說明書實施例對保險類型模型的建構方式不做限定。保險類型模型的建構方式不同，得到目標用戶對應的目標保險類型的處理過程也可以不同，具體可以基於保險類型模型中的相關演算法進行處理。
在步驟S408中，根據上述目標保險類型、上述目標歷史資料和上述保險訴求資訊，生成針對目標用戶的保險業務方案。
在步驟S410中，將上述保險業務方案發送給目標用戶。
在步驟S412中，當接收到目標用戶對保險業務方案的操作行為資料後，將該操作行為資料儲存到預定的區塊鏈節點中。
其中，該區塊鏈節點為聯盟鏈中的節點、私有鏈中的節點或公有鏈中的節點。
上述步驟S408~步驟S412的步驟內容分別與上述實施例二中步驟S310~步驟S314的步驟內容相同，步驟S408~步驟S412的具體處理過程可以分別參見上述步驟S310~步驟S314中的相關內容，在此不再贅述。
本說明書實施例提供一種保險業務的處理方法，通過獲取目標用戶針對保險業務的保險訴求資訊，然後，可以基於該保險訴求資訊，從預定的區塊鏈節點中獲取目標用戶的目標歷史資料，該目標歷史資料中至少包括用於表徵該保險訴求資訊的相關歷史資料，可以根據該目標歷史資料和該保險訴求資訊，生成針對目標用戶的保險業務方案，這樣，可以通過目標用戶的保險訴求資訊和用於表徵該保險訴求資訊的相關歷史資料，為目標用戶定制專屬的保險業務方案，由於保險業務方案是基於目標用戶的相關資訊生成的，因此生成的保險業務方案可以根據用戶的不同而不同，而且，保險業務方案是基於目標用戶的保險訴求資訊和相關歷史資料生成的，因此，生成的保險業務方案更符合目標用戶的需求，從而可以大大提高用戶對保險業務方案的投保率，提高用戶體驗。
實施例四
以上為本說明書實施例提供的保險業務的處理方法，基於同樣的思路，本說明書實施例還提供一種保險業務的處理裝置，如圖5所示。
該保險業務的處理裝置包括：資訊獲取模組501、歷史資料獲取模組502和保險方案生成模組503，其中：
資訊獲取模組501，用於獲取目標用戶針對保險業務的保險訴求資訊；
歷史資料獲取模組502，用於基於該保險訴求資訊，從預定的區塊鏈節點中獲取該目標用戶的目標歷史資料，該目標歷史資料中至少包括用於表徵該保險訴求資訊的相關歷史資料；
保險方案生成模組503，用於根據該目標歷史資料和該保險訴求資訊，生成針對該目標用戶的保險業務方案。
本說明書實施例中，該目標歷史資料中包括該目標用戶的歷史行為資料和該目標用戶的歷史結果資料。
本說明書實施例中，該保險方案生成模組503，包括：
第一類型確定單元，用於將該目標歷史資料和該保險訴求資訊輸入到保險類型模型中進行計算，得到該目標用戶對應的目標保險類型；
保險方案生成單元，用於根據該目標保險類型、該目標歷史資料和該保險訴求資訊，生成針對該目標用戶的保險業務方案。
本說明書實施例中，該保險方案生成模組503，包括：
第二類型確定單元，用於根據該目標歷史資料，確定該目標用戶對應的預選保險類型；
目標類型確定單元，用於對該目標用戶對應的預選保險類型和該保險訴求資訊進行匹配計算，確定該目標用戶對應的目標保險類型；
保險方案生成單元，用於根據該目標保險類型、該目標歷史資料和該保險訴求資訊，生成針對該目標用戶的保險業務方案。
本說明書實施例中，該裝置還包括：
發送模組，用於將該保險業務方案發送給該目標用戶；
儲存模組，用於當接收到該目標用戶對該保險業務方案的操作行為資料後，將該操作行為資料儲存到預定的區塊鏈節點中。
本說明書實施例中，該區塊鏈節點為聯盟鏈中的節點、私有鏈中的節點或公有鏈中的節點。
本說明書實施例提供一種保險業務的處理裝置，通過獲取目標用戶針對保險業務的保險訴求資訊，然後，可以基於該保險訴求資訊，從預定的區塊鏈節點中獲取目標用戶的目標歷史資料，該目標歷史資料中至少包括用於表徵該保險訴求資訊的相關歷史資料，可以根據該目標歷史資料和該保險訴求資訊，生成針對目標用戶的保險業務方案，這樣，可以通過目標用戶的保險訴求資訊和用於表徵該保險訴求資訊的相關歷史資料，為目標用戶定制專屬的保險業務方案，由於保險業務方案是基於目標用戶的相關資訊生成的，因此生成的保險業務方案可以根據用戶的不同而不同，而且，保險業務方案是基於目標用戶的保險訴求資訊和相關歷史資料生成的，因此，生成的保險業務方案更符合目標用戶的需求，從而可以大大提高用戶對保險業務方案的投保率，提高用戶體驗。
實施例五
以上為本說明書實施例提供的保險業務的處理裝置，基於同樣的思路，本說明書實施例還提供一種保險業務的處理設備，如圖6所示。
該保險業務的處理設備可以為上述實施例提供的伺服器或終端設備。
保險業務的處理設備可因配置或性能不同而產生比較大的差異，可以包括一個或一個以上的處理器601和記憶體602，記憶體602中可以儲存有一個或一個以上儲存應用程式或資料。其中，記憶體602可以是短暫儲存或持久儲存。儲存在記憶體602的應用程式可以包括一個或一個以上模組(圖示未示出)，每個模組可以包括對保險業務的處理設備中的一系列電腦可執行指令。更進一步地，處理器601可以設置為與記憶體602通信，在保險業務的處理設備上執行記憶體602中的一系列電腦可執行指令。保險業務的處理設備還可以包括一個或一個以上電源603，一個或一個以上有線或無線網路介面604，一個或一個以上輸入輸出介面605，一個或一個以上鍵盤606。
具體在本實施例中，保險業務的處理設備包括有記憶體，以及一個或一個以上的程式，其中一個或者一個以上程式儲存於記憶體中，且一個或者一個以上程式可以包括一個或一個以上模組，且每個模組可以包括對保險業務的處理設備中的一系列電腦可執行指令，且經配置以由一個或者一個以上處理器執行該一個或者一個以上程式包含用於進行以下電腦可執行指令：
獲取目標用戶針對保險業務的保險訴求資訊；
基於該保險訴求資訊，從預定的區塊鏈節點中獲取該目標用戶的目標歷史資料，該目標歷史資料中至少包括用於表徵該保險訴求資訊的相關歷史資料；
根據該目標歷史資料和該保險訴求資訊，生成針對該目標用戶的保險業務方案。
本說明書實施例中，該目標歷史資料中包括該目標用戶的歷史行為資料和該目標用戶的歷史結果資料。
本說明書實施例中，該根據該目標歷史資料和該保險訴求資訊，生成針對該目標用戶的保險業務方案，包括：
將該目標歷史資料和該保險訴求資訊輸入到保險類型模型中進行計算，得到該目標用戶對應的目標保險類型；
根據該目標保險類型、該目標歷史資料和該保險訴求資訊，生成針對該目標用戶的保險業務方案。
本說明書實施例中，該根據該目標歷史資料和該保險訴求資訊，生成針對該目標用戶的保險業務方案，包括：
根據該目標歷史資料，確定該目標用戶對應的預選保險類型；
對該目標用戶對應的預選保險類型和該保險訴求資訊進行匹配計算，確定該目標用戶對應的目標保險類型；
根據該目標保險類型、該目標歷史資料和該保險訴求資訊，生成針對該目標用戶的保險業務方案。
本說明書實施例中，還包括：
將該保險業務方案發送給該目標用戶；
當接收到該目標用戶對該保險業務方案的操作行為資料後，將該操作行為資料儲存到預定的區塊鏈節點中。
本說明書實施例中，該區塊鏈節點為聯盟鏈中的節點、私有鏈中的節點或公有鏈中的節點。
本說明書實施例提供一種保險業務的處理設備，通過獲取目標用戶針對保險業務的保險訴求資訊，然後，可以基於該保險訴求資訊，從預定的區塊鏈節點中獲取目標用戶的目標歷史資料，該目標歷史資料中至少包括用於表徵該保險訴求資訊的相關歷史資料，可以根據該目標歷史資料和該保險訴求資訊，生成針對目標用戶的保險業務方案，這樣，可以通過目標用戶的保險訴求資訊和用於表徵該保險訴求資訊的相關歷史資料，為目標用戶定制專屬的保險業務方案，由於保險業務方案是基於目標用戶的相關資訊生成的，因此生成的保險業務方案可以根據用戶的不同而不同，而且，保險業務方案是基於目標用戶的保險訴求資訊和相關歷史資料生成的，因此，生成的保險業務方案更符合目標用戶的需求，從而可以大大提高用戶對保險業務方案的投保率，提高用戶體驗。
上述對本說明書特定實施例進行了描述。其它實施例在所附申請專利範圍的範圍內。在一些情況下，在申請專利範圍中記載的動作或步驟可以按照不同於實施例中的順序來執行並且仍然可以實現期望的結果。另外，在圖式中描繪的過程不一定要求示出的特定順序或者連續順序才能實現期望的結果。在某些實施方式中，多任務處理和並行處理也是可以的或者可能是有利的。
在20世紀90年代，對於一個技術的改進可以很明顯地區分是硬體上的改進(例如，對二極體、電晶體、開關等電路結構的改進)還是軟體上的改進(對於方法流程的改進)。然而，隨著技術的發展，當今的很多方法流程的改進已經可以視為硬體電路結構的直接改進。設計人員幾乎都通過將改進的方法流程編程到硬體電路中來得到相應的硬體電路結構。因此，不能說一個方法流程的改進就不能用硬體實體模組來實現。例如，可程式化邏輯裝置(Programmable Logic Device，PLD)(例如現場可程式化閘陣列(Field Programmable Gate Array，FPGA))就是這樣一種積體電路，其邏輯功能由用戶對裝置編程來確定。由設計人員自行編程來把一個數位系統“集成”在一片PLD上，而不需要請晶片製造廠商來設計和製作專用的積體電路晶片。而且，如今，取代手工地製作積體電路晶片，這種編程也多半改用“邏輯編譯器(logic compiler)”軟體來實現，它與程式開發撰寫時所用的軟體編譯器相類似，而要編譯之前的原始代碼也得用特定的編程語言來撰寫，此稱之為硬體描述語言(Hardware Description Language，HDL)，而HDL也並非僅有一種，而是有許多種，如ABEL (Advanced Boolean Expression Language)、AHDL(Altera Hardware Description Language)、Confluence、CUPL (Cornell University Programming Language)、HDCal、JHDL(Java Hardware Description Language)、Lava、Lola、MyHDL、PALASM、RHDL(Ruby Hardware Description Language)等，目前最普遍使用的是VHDL (Very-High-Speed Integrated Circuit Hardware Description Language)與Verilog。本領域技術人員也應該清楚，只需要將方法流程用上述幾種硬體描述語言稍作邏輯編程並編程到積體電路中，就可以很容易得到實現該邏輯方法流程的硬體電路。
控制器可以按任何適當的方式實現，例如，控制器可以採取例如微處理器或處理器以及儲存可由該(微)處理器執行的電腦可讀程式代碼(例如軟體或韌體)的電腦可讀介質、邏輯閘、開關、專用積體電路(Application Specific Integrated Circuit，ASIC)、可程式化邏輯控制器和嵌入微控制器的形式，控制器的例子包括但不限於以下微控制器：ARC 625D、Atmel AT91SAM、Microchip PIC18F26K20以及Silicone Labs C8051F320，記憶體控制器還可以被實現為記憶體的控制邏輯的一部分。本領域技術人員也知道，除了以純電腦可讀程式代碼方式實現控制器以外，完全可以通過將方法步驟進行邏輯編程來使得控制器以邏輯閘、開關、專用積體電路、可程式化邏輯控制器和嵌入微控制器等的形式來實現相同功能。因此這種控制器可以被認為是一種硬體零件，而對其內包括的用於實現各種功能的裝置也可以視為硬體零件內的結構。或者甚至，可以將用於實現各種功能的裝置視為既可以是實現方法的軟體模組又可以是硬體零件內的結構。
上述實施例闡明的系統、裝置、模組或單元，具體可以由電腦晶片或實體實現，或者由具有某種功能的產品來實現。一種典型的實現設備為電腦。具體的，電腦例如可以為個人電腦、筆記型電腦、蜂巢式電話、相機電話、智慧型電話、個人數位助理、媒體播放器、導航設備、電子郵件設備、遊戲控制台、平板電腦、可穿戴設備或者這些設備中的任何設備的組合。
為了描述的方便，描述以上裝置時以功能分為各種單元分別描述。當然，在實施本說明書一個或多個實施例時可以把各單元的功能在同一個或多個軟體和/或硬體中實現。
本領域內的技術人員應明白，本說明書的實施例可提供為方法、系統、或電腦程式產品。因此，本說明書一個或多個實施例可採用完全硬體實施例、完全軟體實施例、或結合軟體和硬體方面的實施例的形式。而且，本說明書一個或多個實施例可採用在一個或多個其中包含有電腦可用程式代碼的電腦可用儲存介質(包括但不限於磁碟記憶體、CD-ROM、光學記憶體等)上實施的電腦程式產品的形式。
本說明書的實施例是參照根據本說明書實施例的方法、設備(系統)、和電腦程式產品的流程圖和／或方塊圖來描述的。應理解可由電腦程式指令實現流程圖和／或方塊圖中的每一流程和／或方塊、以及流程圖和／或方塊圖中的流程和／或方塊的結合。可提供這些電腦程式指令到通用電腦、專用電腦、嵌入式處理機或其他可程式化資料處理設備的處理器以產生一個機器，使得通過電腦或其他可程式化資料處理設備的處理器執行的指令產生用於實現在流程圖一個流程或多個流程和／或方塊圖一個方塊或多個方塊中指定的功能的裝置。
這些電腦程式指令也可儲存在能引導電腦或其他可程式化資料處理設備以特定方式工作的電腦可讀記憶體中，使得儲存在該電腦可讀記憶體中的指令產生包括指令裝置的製造品，該指令裝置實現在流程圖一個流程或多個流程和／或方塊圖一個方塊或多個方塊中指定的功能。
這些電腦程式指令也可裝載到電腦或其他可程式化資料處理設備上，使得在電腦或其他可程式化設備上執行一系列操作步驟以產生電腦實現的處理，從而在電腦或其他可程式化設備上執行的指令提供用於實現在流程圖一個流程或多個流程和／或方塊圖一個方塊或多個方塊中指定的功能的步驟。
在一個典型的配置中，計算設備包括一個或多個處理器(CPU)、輸入/輸出介面、網路介面和內部記憶體。
內部記憶體可能包括電腦可讀介質中的非永久性記憶體，隨機存取記憶體(RAM)和/或非揮發性內部記憶體等形式，如唯讀記憶體(ROM)或快閃記憶體(flash RAM)。內部記憶體是電腦可讀介質的示例。
電腦可讀介質包括永久性和非永久性、可移動和非可移動媒體可以由任何方法或技術來實現資訊儲存。資訊可以是電腦可讀指令、資料結構、程式的模組或其他資料。電腦的儲存介質的例子包括，但不限於相變內部記憶體(PRAM)、靜態隨機存取記憶體(SRAM)、動態隨機存取記憶體(DRAM)、其他類型的隨機存取記憶體(RAM)、唯讀記憶體(ROM)、電可抹除可程式化唯讀記憶體(EEPROM)、快閃記憶體或其他內部記憶體技術、唯讀光碟唯讀記憶體(CD-ROM)、數位多功能光碟(DVD)或其他光學儲存、磁盒式磁帶，磁帶磁磁碟儲存或其他磁性儲存設備或任何其他非傳輸介質，可用於儲存可以被計算設備存取的資訊。按照本文中的界定，電腦可讀介質不包括暫存電腦可讀媒體(transitory media)，如調變的資料信號和載波。
還需要說明的是，術語“包括”、“包含”或者其任何其他變體意在涵蓋非排他性的包含，從而使得包括一系列要素的過程、方法、商品或者設備不僅包括那些要素，而且還包括沒有明確列出的其他要素，或者是還包括為這種過程、方法、商品或者設備所固有的要素。在沒有更多限制的情況下，由語句“包括一個……”限定的要素，並不排除在包括所述要素的過程、方法、商品或者設備中還存在另外的相同要素。
本領域技術人員應明白，本說明書的實施例可提供為方法、系統或電腦程式產品。因此，本說明書一個或多個實施例可採用完全硬體實施例、完全軟體實施例或結合軟體和硬體方面的實施例的形式。而且，本說明書一個或多個實施例可採用在一個或多個其中包含有電腦可用程式代碼的電腦可用儲存介質(包括但不限於磁碟記憶體、CD-ROM、光學記憶體等)上實施的電腦程式產品的形式。
本說明書一個或多個實施例可以在由電腦執行的電腦可執行指令的一般上下文中描述，例如程式模組。一般地，程式模組包括執行特定任務或實現特定抽象資料類型的例程、程式、物件、組件、資料結構等等。也可以在分布式計算環境中實踐本說明書一個或多個實施例，在這些分布式計算環境中，由通過通信網路而被連接的遠程處理設備來執行任務。在分布式計算環境中，程式模組可以位於包括儲存設備在內的本地和遠程電腦儲存介質中。
本說明書中的各個實施例均採用漸進的方式描述，各個實施例之間相同相似的部分互相參見即可，每個實施例重點說明的都是與其他實施例的不同之處。尤其，對於系統實施例而言，由於其基本相似於方法實施例，所以描述的比較簡單，相關之處參見方法實施例的部分說明即可。
以上所述僅為本說明書的實施例而已，並不用於限制本說明書。對於本領域技術人員來說，本說明書可以有各種更改和變化。凡在本說明書的精神和原理之內所作的任何修改、等同替換、改進等，均應包含在本說明書的申請專利範圍之內。Embodiments of this specification provide a method for processing insurance business, Devices and equipment.
In order to enable those skilled in the art to better understand the technical solutions in this specification, The following will combine the drawings in the embodiments of this specification, Clear the technical solutions in the examples of this specification, Fully describe, Obviously, The described embodiments are only a part of the embodiments of this specification, Not all embodiments. Based on the embodiments in this specification, All other embodiments obtained by those of ordinary skill in the art without creative work, All should belong to the protection scope of this manual.
Example one
As shown in Figure 1, The embodiments of this specification provide a method for processing insurance business, The execution subject of the method may be a terminal device or a server, among them, The terminal device may be a device such as a personal computer. The server can be an independent server, It can also be a server cluster composed of multiple servers, and, The server may be a background server containing a business (such as financial business, etc.) of the insurance business, It can also be the back-end server of a website (such as the website of an insurance institution or payment application, etc.). This method can be used based on the actual situation of different users, Identify the possible persons of the user, Health and property risks, And formulate corresponding insurance business plan and other processing for the user, In order to improve the processing efficiency of insurance business, In this embodiment, the execution subject is the server as an example for description. For the case of terminal equipment, Can be handled according to the following related content, I will not repeat them here. The method may specifically include the following steps:
In step S102, Obtain information about insurance claims of target users for insurance business.
among them, The target user can be any user, The target user may be a user with insurance needs. Insurance business may refer to the policyholder according to the pre-agreed, Pay insurance premiums to the insurer, The insurer has a pre-agreed possible accident, Assume liability for compensation insurance due to property damage caused by its occurrence, Or the insured person dies, Disability, Illness or reaching a pre-agreed age, The business related to the act of assuming the liability to pay insurance premiums under conditions such as time limit Insurance business can include one or more insurance categories, For example, personal safety insurance, Health insurance and property insurance. The insurance claim information can be the user's demand information for a certain insurance category or multiple insurance categories, Insurance claim information can include the user’s age, gender, Working conditions (may include the nature of work, Workplace, etc.), Owned vehicle status (may include vehicle purchase years, Vehicle model, etc.), Driving age, One or more of travel and health conditions.
In implementation, With the popularization of insurance knowledge, people deepen the insurance concept, More and more people choose insurance as an important tool for their financial planning and risk management. With the increasing number of insurance business types and projects, How to choose the most suitable insurance business plan among many insurance business solutions has become a problem to be solved. usually, The insurance business plan is a unified business plan design by the actuarial product department in the insurance institution. Pricing and filing, then, Insurance institutions will put insurance business plans on the market for sale. Users with insurance needs can view or consult related insurance business solutions at relevant sales outlets or web pages, And you can choose your own insurance business plan for insurance.
Since the insurance business plan is usually designed by the actuarial product department in the insurance institution, And different users, Its own situation may be different, The demand for insurance business will also be different, such, When a user chooses an insurance business plan, he has to make various choices or insure multiple different insurance business plans. Even give up insurance, Therefore, the insurance business plan cannot meet the needs of different users, The user's insurance rate is low, and, Insurance business plans are the same, Not competitive, Unable to effectively solve the related pain points of the insured. to this end, The embodiments of this specification provide a related technical solution to solve the above problems, For details, please refer to the following related content:
Can develop corresponding applications for insurance business, You can request related services of the insurance business by giving the application, E.g, You can choose an insurance category (such as health) through the app, And request related services under the insurance category (such as inpatient medical insurance services or critical illness insurance services, etc.). The above applications can be installed in the target user’s terminal device, In the process of installing the above application on the target user’s terminal device, Users can be asked whether they agree to collect historical data of target users, If the target user agrees, Then when the target user uses the terminal device, The terminal device can record information about the target user's related operations using the terminal device The relevant data generated by the target user in the process of using the above application and the relevant behavior data of the target user detected by the terminal device, And can send the above data recorded to the corresponding storage system for storage in real time, among them, The storage system may be a distributed storage system, It can also be a centralized storage system, In practical applications, The storage system can be realized through blockchain, such, It can guarantee the reliability and accuracy of the above data stored.
The app can include customized options for insurance business, When the target user needs to customize to meet their personal insurance business, You can click on the customization option in the app, The terminal device can obtain the information of the corresponding customized page, And present the customized page to the target user. The customized page may include one or more information input boxes, If only one information input box is included, Then the information input box can be used by the target user to enter insurance claim information of the insurance business, If multiple information input boxes are included, As shown in Figure 2, Can include such as age input box, Gender options and information input boxes for entering insurance claim information for insurance business, etc. Target users can according to the actual situation, Enter the corresponding information in the corresponding information input box on the customized page, After entering, The target user can click the OK button in the customized page, The terminal device can obtain the information in the information input box, And can use the obtained information as insurance claim information for insurance business, You can send the insurance claim information to the server, In this way, the server can obtain the insurance claim information of the target user for the insurance business.
It should be noted, as shown in picture 2, In order to ensure the security of user information, You can set whether to allow the collection of relevant historical data of the target user in the above customization page, If the target user selects the option to allow collection of relevant historical data, You can send the information in the information input box to the server as insurance claim information, If the target user selects the option that does not allow the collection of relevant historical data, You can notify the target user that insurance customization is not possible, or, Insurance can be customized in other ways, For example, relying solely on the insurance claims information of the target user, Choose an existing insurance business plan for the target user or generate an insurance business plan for the target user.
In step S104, Based on the above insurance claim information, Obtain target historical data of target users from predetermined blockchain nodes, The target historical data includes at least relevant historical data used to characterize the insurance claim information.
among them, The target historical data may include various historical data of the target user, For example, the target user engages in a certain sport (such as running, play basketball, Information about playing football or badminton), Specific examples can include exercise duration, The interval between two adjacent exercises, etc., In addition, It can also include relevant information such as the target user’s visit or illness, Specifically, the duration of each illness, The time interval between two adjacent illnesses. The target historical data may include at least historical data related to the content in the insurance claim information, E.g, The insurance claim information includes information related to the health of the target user, Then, the target historical data may include, for example, related data of the target user performing a certain sport and related data of the target user's visit or illness.
In implementation, Considering that the information content of insurance claims submitted by target users is limited, May not reflect which insurance business plan in which insurance category the target user is suitable for, E.g, The insurance claim information contains the target user’s claim for health protection, The health insurance can include inpatient medical insurance plans and critical illness insurance plans, therefore, Unable to determine which insurance business plan the target user applies to, Moreover, it cannot reflect the insurance business plan only for the target users. to this end, Can analyze the insurance claims information submitted by the target user, It can be used to determine which insurance categories or aspects the target user needs, then, The storage system may request historical data (ie, target historical data) related to insurance categories or demanded aspects of the target user's demand. E.g, Through analysis of information on insurance claims, Identify the needs of target users for health protection, Then you can obtain relevant information such as the target user performing a certain sport, Such as the time and duration of playing badminton, And the frequency per unit time, etc., You can also obtain relevant information such as the target user's visit or illness, Such as the time and length of treatment or illness, And the frequency in unit time.
In addition, In order to prevent the above-mentioned data of the target user from being maliciously tampered with or stolen, The above storage system for storing user-related data can be realized through blockchain, therefore, The terminal device can send the recorded user's above data to the corresponding blockchain node in the corresponding blockchain for storage in real time. And after obtaining the insurance claims information of the target user for the insurance business, You can request the target user's target historical data from the corresponding block chain node in the above block chain, such, It can guarantee the reliability and accuracy of the target historical data obtained, In order to improve the matching degree of the generated insurance business plan with the target users.
In step S106, Based on the above target historical data and the above insurance claim information, Generate insurance business plans for target users.
among them, The insurance business plan may be a combination of tangible insurance products and intangible insurance services provided by insurance institutions to the market or customers, In the narrow sense, the insurance business plan can refer to the creation by insurance institutions, For customers to choose, Financial instruments that can be traded in the insurance market, In a broad sense, it can mean that insurance institutions provide to the market or customers and can be obtained by customers. All insurance products and insurance services used or consumed. Insurance business plan may include one or more insurance plans, Such as inpatient medical insurance plan or critical illness insurance plan, Different insurance business solutions, Its content can be different, Take the inpatient medical insurance plan as an example, Can include the following: Premium: XXX yuan/month; the term: 1 year; Coverage: Not limited to diseases, Unlimited treatment time; Deductible: Major illnesses are free of compensation, Cumulative annual exemption for other diseases is 10,000; Reimbursement ratio: 100% reimbursement; Waiting period: 30 days (no waiting period for accident medical treatment); Hospital scope: Public hospitals of level 2 and above; Claim method: On-site payment of medical expenses/convenient online claims settlement; Renewal: Can be renewed every year, No waiting period, Free health notice; Surrender: Full refund within 15 days without handling fees.
In implementation, After obtaining the target historical data through the above method, You can match each piece of data in the target historical data with the above insurance claim information, Get the matching degree of each piece of information with the insurance claim information, According to the matching degree of each data obtained with the insurance claim information, Identify the actual needs of the target user, E.g, The target user’s insurance claim information indicates that the target user has a need for health protection, and, Through the analysis of insurance claim information and target historical data, Determine that the target user is sick more often, And the disease is more complicated, Based on the above information, you can generate a personal insurance plan for the target user, The insurance business plan, The details are as described above for the inpatient medical insurance plan. In addition, In addition to the target user’s insurance claim information, it can indicate that the target user has a demand for health protection. It can also indicate that the target user has needs for other aspects (such as personal safety or vehicle safety, etc.), If through the analysis of insurance claim information and target historical data, Generate a corresponding insurance plan for the target user for their individual, For example, car insurance programs or personal accident insurance programs.
The embodiments of this specification provide a method for processing insurance business, By obtaining information about the insurance claims of the target user for the insurance business, then, Based on the insurance claim information, Obtain target historical data of target users from predetermined blockchain nodes, The target historical data includes at least relevant historical data used to characterize the insurance claim information, According to the target historical data and the insurance claim information, Generate insurance business plans for target users, such, You can use the insurance claim information of the target user and the related historical data used to characterize the insurance claim information, Customize exclusive insurance business solutions for target users, Since the insurance business plan is generated based on the relevant information of the target user, Therefore, the insurance business plan generated can be different according to different users, and, The insurance business plan is generated based on the insurance claims information and relevant historical data of the target user, therefore, The generated insurance business plan is more in line with the needs of target users, This can greatly increase the user’s insurance rate for the insurance business plan, Improve user experience.
Example 2
As shown in Figure 3, The embodiments of this specification provide a method for processing insurance business, The execution subject of the method may be a terminal device or a server, among them, The terminal device may be a device such as a personal computer. The server can be an independent server, It can also be a server cluster composed of multiple servers, and, The server may be a background server containing a business (such as financial business, etc.) of the insurance business, It can also be the back-end server of a website (such as the website of an insurance institution or payment application, etc.). This method can be used based on the actual situation of different users, Identify the possible persons of the user, Health and property risks, And formulate corresponding insurance business plan and other processing for the user, In order to improve the processing efficiency of insurance business, In this embodiment, the execution subject is the server as an example for description. For the case of terminal equipment, Can be handled according to the following related content, I will not repeat them here. The method may specifically include the following steps:
In step S302, Obtain information about insurance claims of target users for insurance business.
The content of the step S302 is the same as the content of the step S102 in the first embodiment, For the specific processing procedure of step S302, reference may be made to the relevant content in step S102 above. I will not repeat them here.
In step S304, Based on the above insurance claim information, Obtain target historical data of target users from predetermined blockchain nodes, The target historical data includes at least relevant historical data used to characterize the insurance claim information.
among them, The target historical data includes target user's historical behavior data and target user's historical result data. The historical behavior data may be the behavior data of the target user, For example, the target user is running, play basketball, Information about playing football or badminton, The historical result data may be relevant data of the target user performing a certain transaction, E.g, The target user purchased information about a drug in a hospital on September 16, 2018. Blockchain nodes can be nodes in the alliance chain, Nodes in private chains or nodes in public chains, etc.
In implementation, When the target user uses the terminal device, The terminal device can record information about the target user's related operations using the terminal device The relevant data generated by the target user during the above application process and the relevant behavior data of the target user detected by the terminal device, And the relevant historical result data of the target user. Since the above-mentioned historical behavior data and historical result data of the target user belong to the personal information of the target user, And the above information is a record of the target user’s behavior and the results of the target user’s execution of a transaction, Personal behavior and result data belonging to the target user, In order to prevent the above-mentioned data of the target user from being maliciously tampered with or stolen, The recorded data can be sent to the corresponding blockchain nodes in real time for storage.
After obtaining the insurance claims information of the target user for the insurance business, Can analyze the information of the insurance claims of the target users, It can be used to determine which insurance categories or aspects the target user needs, then, The historical data related to the insurance category or demanded aspect of the target user's demand (ie, target historical data) can be requested from the corresponding blockchain node in the aforementioned blockchain.
In step S306, According to the above historical data, Determine the pre-selected insurance type corresponding to the target user.
among them, The pre-selected insurance type can be an alternative insurance type, The pre-selected insurance type may include one or more insurance types, Such as personal, Health and property, etc.
In implementation, The target historical data may include historical data of multiple aspects of the target user, Through the analysis of historical data in the above aspects, You can determine what kind of guarantees the target user may need, then, The type of insurance that may be suitable for the target user can be determined based on the protection that the target user may need, The insurance type determined above that may be suitable for the target user may be used as the pre-selected insurance type corresponding to the target user. E.g, The target historical data includes data about the target user's illness or medical treatment and data about the target user owning a car, And the relevant materials of the target user’s repeated sports, Then through the analysis of the above information, It can be determined that the target user may need medical protection, Guarantees for vehicle safety and guarantees for personal safety, etc., You can put the person, The three insurance types of health and property are the pre-selected insurance types corresponding to the target user.
In step S308, Match and calculate the pre-selected insurance type corresponding to the target user and the above insurance claim information, Determine the target insurance type corresponding to the target user.
among them, The target insurance type may be the insurance type required by the target user.
In implementation, After obtaining the pre-selected insurance type corresponding to the target user in the above manner, Can analyze the information of the insurance claims of the target users, It can be: According to the keywords contained in the insurance claim information, Divide the insurance claim information into different parts, Each part can be assigned a corresponding weight according to its corresponding keyword, Then you can cluster the same or similar parts, You can superimpose the weights of the various parts contained in a category, Get the corresponding weight of this class, This can get the weight of each class, Each category can be matched with pre-selected insurance types, Determine the matching value corresponding to each pre-selected insurance type, A pre-selected insurance type with a matching value greater than a preset matching threshold may be used as the target insurance type corresponding to the target user. E.g, Based on the example in step S306 above, Pre-selected insurance types include personal, Health and property, If through the above analysis of insurance claims information, Determine that the pre-selected insurance type is that the matching value corresponding to the person is less than the preset matching threshold, Then health and property can be determined as the target insurance type corresponding to the target user.
In step S310, According to the above target insurance type, Target historical data and the above insurance claim information, Generate insurance business plans for target users.
In implementation, After determining the target insurance type in the above manner, Based on the target historical data and the above-mentioned insurance claim information, a personal insurance plan for the target user can be generated for the target user. The insurance business plan. For example, target insurance types include health and property, then, Through the analysis of the target historical data and the above insurance claim information, it is determined that the target user is sick more often, And the disease is more complicated, And the target users often travel by car, And the driving age of the target user is short, Then, it can generate individual car insurance plans and inpatient medical insurance plans for the target users.
In step S312, Send the above insurance business plan to the target user.
In step S314, After receiving the operation behavior data of the target user on the above insurance business plan, Store the operation behavior data in a predetermined blockchain node.
among them, Blockchain nodes can be nodes in the alliance chain, Nodes in private chains or nodes in public chains, etc.
In implementation, The insurance business plan may include an insurance plan, It can also include multiple insurance plans, After sending the above insurance business plan to the target user, The terminal device of the target user can display various insurance business solutions, Target users can view the specific content of each insurance business plan, If the target user thinks that one or more insurance business solutions are suitable for him, You can take out insurance, In the process of insurance, The terminal device of the target user may send the server the operation behavior data of the target user to the above insurance business plan, The server can store the target user's operation behavior data on the above insurance business plan in a predetermined blockchain node.
The embodiments of this specification provide a method for processing insurance business, By obtaining information about the insurance claims of the target user for the insurance business, then, Based on the insurance claim information, Obtain target historical data of target users from predetermined blockchain nodes, The target historical data includes at least relevant historical data used to characterize the insurance claim information, According to the target historical data and the insurance claim information, Generate insurance business plans for target users, such, You can use the insurance claim information of the target user and the related historical data used to characterize the insurance claim information, Customize exclusive insurance business solutions for target users, Since the insurance business plan is generated based on the relevant information of the target user, Therefore, the insurance business plan generated can be different according to different users, and, The insurance business plan is generated based on the insurance claims information and relevant historical data of the target user, therefore, The generated insurance business plan is more in line with the needs of target users, This can greatly increase the user’s insurance rate for the insurance business plan, Improve user experience.
Example Three
As shown in Figure 4, The embodiments of this specification provide a method for processing insurance business, The execution subject of the method may be a terminal device or a server, among them, The terminal device may be a device such as a personal computer. The server can be an independent server, It can also be a server cluster composed of multiple servers, and, The server may be a background server containing a business (such as financial business, etc.) of the insurance business, It can also be the back-end server of a website (such as the website of an insurance institution or payment application, etc.). This method can be used based on the actual situation of different users, Identify the possible persons of the user, Health and property risks, And formulate corresponding insurance business plan and other processing for the user, In order to improve the processing efficiency of insurance business, In this embodiment, the execution subject is the server as an example for description. For the case of terminal equipment, Can be handled according to the following related content, I will not repeat them here. The method may specifically include the following steps:
In step S402, Obtain information about insurance claims of target users for insurance business.
In step S404, Based on the above insurance claim information, Obtain target historical data of target users from predetermined blockchain nodes, The target historical data includes at least relevant historical data used to characterize the insurance claim information.
among them, The target historical data includes target user's historical behavior data and target user's historical result data. Blockchain nodes are nodes in the alliance chain, Nodes in the private chain or nodes in the public chain.
The content of steps S402 and S404 is the same as the content of steps S302 and S304 in the second embodiment, For the specific processing procedures of step S402 and step S404, please refer to the relevant content in step S302 and step S304, respectively. I will not repeat them here.
In step S406, Input the above target historical data and the above insurance claim information into the insurance type model for calculation, Get the target insurance type corresponding to the target user.
among them, Insurance type models can be constructed in many ways, For example, the insurance type model can be constructed by clustering algorithm, The clustering algorithm can include k-means algorithm, k-medoids algorithm, One or more of Birch algorithm and Cure algorithm, The insurance type model can also be constructed through the similarity matching algorithm, The similarity matching algorithm can be a related algorithm based on Euclidean distance, Related algorithms based on Chebyshev distance and related algorithms based on Manhattan distance, etc., The insurance type model can also be constructed based on clustering algorithms and similarity matching algorithms, The embodiment of this specification does not limit the construction method of the insurance type model. The insurance type model is constructed differently, The process of obtaining the target insurance type corresponding to the target user can also be different, Specifically, it can be processed based on relevant algorithms in the insurance type model.
In step S408, According to the above target insurance type, The above target historical data and the above insurance claim information, Generate insurance business plans for target users.
In step S410, Send the above insurance business plan to the target user.
In step S412, After receiving the operation behavior data of the target user on the insurance business plan, Store the operation behavior data in a predetermined blockchain node.
among them, The blockchain node is a node in the alliance chain, Nodes in the private chain or nodes in the public chain.
The steps S408 to S412 are the same as the steps S310 to S314 in the second embodiment, For the specific processing procedures of steps S408 to S412, please refer to the relevant content in the above steps S310 to S314, respectively. I will not repeat them here.
The embodiments of this specification provide a method for processing insurance business, By obtaining information about the insurance claims of the target user for the insurance business, then, Based on the insurance claim information, Obtain target historical data of target users from predetermined blockchain nodes, The target historical data includes at least relevant historical data used to characterize the insurance claim information, According to the target historical data and the insurance claim information, Generate insurance business plans for target users, such, You can use the insurance claim information of the target user and the related historical data used to characterize the insurance claim information, Customize exclusive insurance business solutions for target users, Since the insurance business plan is generated based on the relevant information of the target user, Therefore, the insurance business plan generated can be different according to different users, and, The insurance business plan is generated based on the insurance claims information and relevant historical data of the target user, therefore, The generated insurance business plan is more in line with the needs of target users, This can greatly increase the user’s insurance rate for the insurance business plan, Improve user experience.
Example 4
The above is the processing method of the insurance business provided by the embodiment of the specification, Based on the same idea, The embodiments of the present specification also provide an insurance business processing device, As shown in Figure 5.
The processing device of the insurance business includes: Information acquisition module 501, Historical data acquisition module 502 and insurance plan generation module 503, among them:
Information acquisition module 501, Used to obtain information on insurance claims of target users for insurance business;
Historical data acquisition module 502, For information based on the insurance claim, Obtain the target historical data of the target user from the predetermined blockchain node, The target historical data includes at least relevant historical data used to characterize the insurance claim information;
Insurance plan generation module 503, Used according to the target historical data and the insurance claim information, Generate an insurance business plan for the target user.
In the embodiment of this specification, The target historical data includes historical behavior data of the target user and historical result data of the target user.
In the embodiment of this specification, The insurance plan generation module 503, include:
The first type determination unit, It is used to input the target historical data and the insurance claim information into the insurance type model for calculation, Get the target insurance type corresponding to the target user;
Insurance plan generation unit, Used according to the target insurance type, The target historical data and the insurance claim information, Generate an insurance business plan for the target user.
In the embodiment of this specification, The insurance plan generation module 503, include:
The second type determination unit, Based on the historical data of the target, Determine the pre-selected insurance type corresponding to the target user;
Target type determination unit, It is used to match the pre-selected insurance type corresponding to the target user with the insurance claim information, Determine the target insurance type corresponding to the target user;
Insurance plan generation unit, Used according to the target insurance type, The target historical data and the insurance claim information, Generate an insurance business plan for the target user.
In the embodiment of this specification, The device also includes:
Sending module, Used to send the insurance business plan to the target user;
Storage module, It is used when the target user's operation behavior data on the insurance business plan is received, Store the operation behavior data in a predetermined blockchain node.
In the embodiment of this specification, The blockchain node is a node in the alliance chain, Nodes in the private chain or nodes in the public chain.
The embodiments of the present specification provide an insurance business processing device, By obtaining information about the insurance claims of the target user for the insurance business, then, Based on the insurance claim information, Obtain target historical data of target users from predetermined blockchain nodes, The target historical data includes at least relevant historical data used to characterize the insurance claim information, According to the target historical data and the insurance claim information, Generate insurance business plans for target users, such, You can use the insurance claim information of the target user and the related historical data used to characterize the insurance claim information, Customize exclusive insurance business solutions for target users, Since the insurance business plan is generated based on the relevant information of the target user, Therefore, the insurance business plan generated can be different according to different users, and, The insurance business plan is generated based on the insurance claims information and relevant historical data of the target user, therefore, The generated insurance business plan is more in line with the needs of target users, This can greatly increase the user’s insurance rate for the insurance business plan, Improve user experience.
Example 5
The above is the processing device for insurance business provided by the embodiment of the specification, Based on the same idea, The embodiment of this specification also provides a processing device for insurance business, As shown in Figure 6.
The processing device of the insurance business may be the server or the terminal device provided in the foregoing embodiment.
The processing equipment of the insurance business may have a large difference due to different configurations or performance, May include one or more processors 601 and memory 602, One or more storage applications or data may be stored in the memory 602. among them, The memory 602 may be short-term storage or persistent storage. The application stored in the memory 602 may include one or more modules (not shown), Each module may include a series of computer-executable instructions in the insurance business processing equipment. go a step further, The processor 601 may be configured to communicate with the memory 602, A series of computer-executable instructions in the memory 602 are executed on the processing device of the insurance business. The processing equipment of the insurance business may also include one or more power supplies 603, One or more wired or wireless network interfaces 604, One or more input and output interfaces 605, One or more keyboards 606.
Specifically in this embodiment, The processing equipment for insurance business includes memory, And one or more programs, One or more programs are stored in memory, And one or more programs can include one or more modules, And each module can include a series of computer-executable instructions in the insurance business processing equipment, And configured to be executed by one or more processors, the one or more programs include computer executable instructions for:
Obtain target users' insurance claims information for insurance business;
Based on the insurance claim information, Obtain the target historical data of the target user from the predetermined blockchain node, The target historical data includes at least relevant historical data used to characterize the insurance claim information;
Based on the historical data of the target and the insurance claim information, Generate an insurance business plan for the target user.
In the embodiment of this specification, The target historical data includes historical behavior data of the target user and historical result data of the target user.
In the embodiment of this specification, Based on the historical data of the target and the insurance claim information, Generate an insurance business plan for the target user, include:
Input the target historical data and the insurance claim information into the insurance type model for calculation, Get the target insurance type corresponding to the target user;
According to the target insurance type, The target historical data and the insurance claim information, Generate an insurance business plan for the target user.
In the embodiment of this specification, Based on the historical data of the target and the insurance claim information, Generate an insurance business plan for the target user, include:
According to the historical data of the target, Determine the pre-selected insurance type corresponding to the target user;
Match and calculate the pre-selected insurance type corresponding to the target user and the insurance claim information, Determine the target insurance type corresponding to the target user;
According to the target insurance type, The target historical data and the insurance claim information, Generate an insurance business plan for the target user.
In the embodiment of this specification, Also includes:
Send the insurance business plan to the target user;
After receiving the operation behavior data of the target user on the insurance business plan, Store the operation behavior data in a predetermined blockchain node.
In the embodiment of this specification, The blockchain node is a node in the alliance chain, Nodes in the private chain or nodes in the public chain.
The embodiments of the present specification provide an insurance business processing device, By obtaining information about the insurance claims of the target user for the insurance business, then, Based on the insurance claim information, Obtain target historical data of target users from predetermined blockchain nodes, The target historical data includes at least relevant historical data used to characterize the insurance claim information, According to the target historical data and the insurance claim information, Generate insurance business plans for target users, such, You can use the insurance claim information of the target user and the related historical data used to characterize the insurance claim information, Customize exclusive insurance business solutions for target users, Since the insurance business plan is generated based on the relevant information of the target user, Therefore, the insurance business plan generated can be different according to different users, and, The insurance business plan is generated based on the insurance claims information and relevant historical data of the target user, therefore, The generated insurance business plan is more in line with the needs of target users, This can greatly increase the user’s insurance rate for the insurance business plan, Improve user experience.
The foregoing describes specific embodiments of the present specification. Other embodiments are within the scope of the attached patent application. In some cases, The actions or steps described in the scope of the patent application may be performed in a different order than in the embodiments and still achieve the desired result. In addition, The processes depicted in the drawings do not necessarily require the particular order shown or sequential order to achieve the desired results. In some embodiments, Multitasking and parallel processing are also possible or may be advantageous.
In the 1990s, Improvements in a technology can be clearly distinguished as improvements in hardware (for example, For diodes, Transistor, The improvement of circuit structures such as switches) is also an improvement in software (improvement of method flow). however, with the development of technology, Many of today's method and process improvements can already be regarded as direct improvements in the hardware circuit structure. Designers almost get the corresponding hardware circuit structure by programming the improved method flow into the hardware circuit. therefore, It cannot be said that the improvement of a method and process cannot be achieved with hardware physical modules. E.g, Programmable Logic Device (Programmable Logic Device, PLD) (such as Field Programmable Gate Array, FPGA)) is such an integrated circuit, Its logical function is determined by the user programming the device. Designed by the designer to "integrate" a digital system on a PLD, There is no need to ask chip manufacturers to design and manufacture dedicated integrated circuit chips. and, now, Instead of manually making integrated circuit chips, This kind of programming is also mostly implemented with "logic compiler" software. It is similar to the software compiler used in program development, And the original code to be compiled must be written in a specific programming language, This is called the hardware description language (Hardware Description Language, HDL), And HDL is not the only one, But there are many kinds, Such as ABEL (Advanced Boolean Expression Language), AHDL (Altera Hardware Description Language), Confluence, CUPL (Cornell University Programming Language), HDCal, JHDL (Java Hardware Description Language), Lava, Lola, MyHDL, PALASM, RHDL (Ruby Hardware Description Language), etc., Currently the most commonly used are VHDL (Very-High-Speed Integrated Circuit Hardware Description Language) and Verilog. Those skilled in the art should also be clear, Only need to use the above hardware description languages to program the logic flow into the integrated circuit, It is easy to get the hardware circuit that implements this logic method flow.
The controller can be implemented in any suitable way, E.g, The controller may be, for example, a microprocessor or processor and a computer-readable medium storing computer-readable program code (such as software or firmware) executable by the (micro) processor, Logic gate, switch, Application Specific Integrated Circuit (Application Specific Integrated Circuit, ASIC), Programmable logic controller and embedded microcontroller, Examples of controllers include but are not limited to the following microcontrollers: ARC 625D, Atmel AT91SAM, Microchip PIC18F26K20 and Silicone Labs C8051F320, The memory controller can also be implemented as part of the control logic of the memory. Those skilled in the art also know that In addition to implementing the controller in pure computer-readable program code, It is entirely possible to make the controller with a logic gate, by logically programming the method steps switch, Dedicated integrated circuit, Programmable logic controllers and embedded microcontrollers can be used to achieve the same function. So this controller can be considered as a hardware part, The devices included therein for realizing various functions can also be regarded as structures within the hardware parts. Or even, The device for realizing various functions can be regarded as both a software module of an implementation method and a structure in a hardware part.
The system described in the above embodiment, Device, Module or unit, It can be realized by computer chip or entity, Or it can be realized by a product with a certain function. A typical implementation device is a computer. specific, The computer may be, for example, a personal computer, Laptop, Cellular phone, Camera phone, Smart phone, Personal digital assistant, media Player, Navigation equipment, Email device, Game console, tablet, Wearable devices or any combination of these devices.
For the convenience of description, When describing the above devices, the functions are divided into various units and described separately. of course, When implementing one or more embodiments of this specification, the functions of each unit may be implemented in one or more software and/or hardware.
Those skilled in the art should understand that The embodiments of this specification can be provided as methods, system, Or computer program products. therefore, One or more embodiments of this specification may adopt a completely hardware embodiment, Complete software embodiment, Or a combination of software and hardware embodiments. and, One or more embodiments of this specification may employ computer-usable storage media (including but not limited to disk memory, CD-ROM, The form of computer program products implemented on optical memory, etc.).
The embodiment of this specification refers to the method according to the embodiment of this specification, Equipment (system), It is described by the flow chart and/or block diagram of the computer program product. It should be understood that each flow and/or block in the flowchart and/or block diagram can be implemented by computer program instructions, And the combination of the flow and/or block in the flowchart and/or block diagram. These computer program instructions can be provided to general-purpose computers, Dedicated computer, Embedded processor or other programmable data processing equipment processor to produce a machine, A device that causes instructions executed by a processor of a computer or other programmable data processing device to generate a function specified in a block or blocks of a flowchart or a flow and/or a block diagram.
These computer program instructions can also be stored in computer readable memory that can guide the computer or other programmable data processing equipment to work in a specific way. Causing the instructions stored in the computer-readable memory to produce a manufactured product including an instruction device, The instruction device implements the functions specified in one block or multiple blocks in one flow or multiple flows in the flowchart and/or one block in the block diagram.
These computer program instructions can also be loaded onto a computer or other programmable data processing equipment, Allows a series of operating steps to be performed on a computer or other programmable device to produce computer-implemented processing, The instructions executed on the computer or other programmable device thus provide steps for implementing the functions specified in one block or multiple blocks of one flow or multiple flows of the flowchart and/or one block or multiple blocks of the block diagram.
In a typical configuration, The computing device includes one or more processors (CPU), Input/output interface, Network interface and internal memory.
Internal memory may include non-permanent memory in computer-readable media, Random access memory (RAM) and/or non-volatile internal memory, etc., Such as read only memory (ROM) or flash memory (flash RAM). The internal memory is an example of a computer-readable medium.
Computer-readable media includes permanent and non-permanent, Removable and non-removable media can be stored by any method or technology. Information can be computer readable instructions, Data structure, Program modules or other data. Examples of computer storage media include, But not limited to phase change internal memory (PRAM), Static random access memory (SRAM), Dynamic Random Access Memory (DRAM), Other types of random access memory (RAM), Read only memory (ROM), Electrically erasable and programmable read-only memory (EEPROM), Flash memory or other internal memory technology, CD-ROM, CD-ROM, Digital Versatile Disc (DVD) or other optical storage, Magnetic cassette tape, Magnetic tape storage or other magnetic storage devices or any other non-transmission media, It can be used to store information that can be accessed by computing devices. According to the definition in this article, Computer-readable media does not include temporary computer-readable media (transitory media), Such as modulated data signals and carrier waves.
It should also be noted that The term "including", "Contains" or any other variation thereof is intended to cover non-exclusive inclusions, So that the process including a series of elements, method, Goods or equipment includes not only those elements, And also includes other elements that are not explicitly listed, Or is it also included for this process, method, Elements inherent in goods or equipment. Without more restrictions, Elements defined by the sentence "include a..." Does not exclude the process of including the elements, method, There are other identical elements in goods or equipment.
Those skilled in the art should understand that The embodiments of this specification can be provided as methods, System or computer program products. therefore, One or more embodiments of this specification may adopt a completely hardware embodiment, A complete software embodiment or a form of embodiment combining software and hardware. and, One or more embodiments of this specification may employ computer-usable storage media (including but not limited to disk memory, CD-ROM, The form of computer program products implemented on optical memory, etc.).
One or more embodiments of this specification may be described in the general context of computer-executable instructions executed by a computer, For example, program modules. normally, Program modules include routines that perform specific tasks or implement specific abstract data types, Program, object, Components, Data structure, etc. One or more embodiments of this specification can also be practiced in a distributed computing environment, In these distributed computing environments, The tasks are performed by remote processing equipment connected through a communication network. In a distributed computing environment, Program modules can be located in local and remote computer storage media including storage devices.
Each embodiment in this specification is described in a gradual manner, The same or similar parts between the various embodiments may refer to each other, Each embodiment focuses on the differences from other embodiments. especially, For the system embodiment, Since it is basically similar to the method embodiment, So the description is relatively simple, For the relevant parts, please refer to the description of the method embodiments.
The above are only examples of this specification, It is not intended to limit this manual. For those skilled in the art, This manual can have various changes and changes. Any modification made within the spirit and principle of this manual, Equivalent replacement, Improvement etc., All should be included in the scope of the patent application of this specification.
