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Product data pushing method and device, computer equipment and storage medium

A technology for calculating product data and parameters, applied in the direction of calculation, data processing application, electrical digital data processing, etc., can solve problems such as inability to obtain corresponding guarantees and troubles for policyholders

Active Publication Date: 2019-04-12
PING AN TECH (SHENZHEN) CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

If you only purchase a small amount of commercial vehicle insurance, you will not be able to obtain corresponding protection in the event of an accident outside the insured items
How to choose the type of insurance reasonably is often a troublesome problem for policyholders

Method used

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  • Product data pushing method and device, computer equipment and storage medium
  • Product data pushing method and device, computer equipment and storage medium
  • Product data pushing method and device, computer equipment and storage medium

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Embodiment Construction

[0032] The following will clearly and completely describe the technical solutions in the embodiments of the present invention with reference to the accompanying drawings in the embodiments of the present invention. Obviously, the described embodiments are some of the embodiments of the present invention, but not all of them. Based on the embodiments of the present invention, all other embodiments obtained by persons of ordinary skill in the art without creative efforts fall within the protection scope of the present invention.

[0033] The product data push method provided by this application can be applied in such as figure 1 In the application environment of , the data collection device communicates with the server through the network. Among them, data collection devices include but are not limited to various driving recorders, navigation terminals, smart phones and portable wearable devices carried by drivers, and Internet of Things devices set up in traffic networks. The ...

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PUM

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Abstract

The invention discloses a product data pushing method and device, computer equipment and a storage medium. The method comprises the steps of judging whether the working state of a vehicle has changedor not; obtaining real-time environmental parameters of the vehicle if the working state of the vehicle has changed; calculating the real-time risk coefficient of a vehicle insurance type associated with the changed working state of the vehicle according to the real-time environmental parameters; calculating a cumulative value of the real-time risk coefficient of the vehicle insurance type withina specified period; and determining to purchase the vehicle insurance type if the cumulative value is greater than a risk threshold of the vehicle insurance type. When the cumulative value of the real-time risk coefficient of the vehicle is low, the insurance applicant can pay less or no vehicle insurance fee, thereby helping the insurance applicant to save the cost; and when the cumulative valueof the real-time risk coefficient of the vehicle is high, the insurance applicant can timely purchase the corresponding insurance type, thereby providing comprehensive insurance services for the vehicle, and providing a guarantee for the vehicle.

Description

technical field [0001] The present invention relates to the field of intelligent recommendation, in particular to a product data push method, device, computer equipment and storage medium. Background technique [0002] There are many types of existing vehicle insurance, except for some compulsory insurance, there are also many commercial vehicle insurances. If you choose to purchase most of the commercial vehicle insurance, for the policyholder, there will be a large economic expenditure. If you only purchase a small amount of commercial vehicle insurance, you will not be able to obtain corresponding protection in the event of an accident outside the insured items. How to choose the type of insurance reasonably is often a troublesome problem for policyholders. For insurers, how to help policyholders solve this problem is also very important. Contents of the invention [0003] Based on this, it is necessary to address the above technical problems and provide a product da...

Claims

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Application Information

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IPC IPC(8): H04L29/08G06Q30/06G06Q40/08G06F16/9535
CPCG06Q30/0631G06Q40/08H04L67/52H04L67/55
Inventor 韩伟邓坤王建明肖京
Owner PING AN TECH (SHENZHEN) CO LTD
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