A product recommendation method and system based on the characteristics of online shopping insurance products

Abstract

The invention discloses a product recommendation method and system based on characteristics of online shopping insurance products. For the characteristics of the online shopping insurance products, in combination with customer website behaviors and trade information, the characteristics of the requirements for the insurance products of customers are excavated from multiple angles, and the customer experience and customer loyalty are effectively improved while the purposes of recommendation and marketing of valuable products or product combinations for the customers are achieved. The network logs and the customer information serve as a data source, trade detail data and trade product data are also introduced, and the data source is more complete. On the basis of the ordinary customer network behaviors, the personalized recommendation content related to the characteristics of the insurance products is introduced, and the recommendation results are rich and exactly meet the real requirements of the customers. The analysis result recommendation time period is in a self-defined mode, the analysis results can be provided according to different time requirements of the customers, and the requirement for recommendation result timeliness of the customers is effectively met.

Description

technical field [0001] The invention relates to a product recommendation method and system based on the characteristics of online shopping insurance products, belonging to insurance e-commerce technology. Background technique [0002] In recent years, buying insurance online is becoming a trend, and there are various online insurance business models such as insurance company official websites and third-party e-commerce websites. More and more people choose to buy insurance products online due to reasons such as freedom of choice for online insurance products, transparent and open protection clauses, and safe and fast purchase and payment. With the increase of market competition entities, customer purchase behavior tends to be rational. In order to reduce operating costs, focus on customer development, enhance the value of existing customers and tap the consumption of such customers in the shorter and shorter product life cycle Potential has become the primary task of variou...

AI Technical Summary

Problems solved by technology

[0004] Although product recommendation has been widely used in catering, mobile, and e-commerce fields, because insurance products are different from general commodity attributes, the research and application of insurance product recommendation for online shopping insurance platforms is different from that of general B2C e-commerce platforms. The concept of product recommendation is different. When recommending insurance products for online shopping insurance platforms, there are many other issues that need to be considered, such as: 1. Insurance products have a limited lifespan, and policyholders can set the insurance start time of the product according to their own needs; 2. . Insurance products have seasonal marketing characteristics, such as the relationship between popular travel insurance products and holidays; 3. Due to the particularity of insurance products, some insurance products allow the purchase of multiple copies to ensure the superimposition of the compensation amount, so insurance products The meaning of purchase frequency is also different from that of general products; 4. The relationship between the policyholder and the insured is also worth considering in the process of online shopping for insurance products, because the policyholder will be required to clarify the relationship with the insured during the insurance application process; and In the product recommendation process of other e-commerce platforms, the relationship between the buyer and the product user is not considered. If the user has related product browsing or purchase records, it is generally considered to be out of the user's own needs, which is not conducive to timely and accurate positioning. The user's own needs; 5. It is feasible and effective to use the certainty of the relationship between the policyholder and the insured, take the policyholder as the center, expand the relationship network of the insured, and realize the setting and recommendation of product portfolios

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