A method and device for configuring a starting point

Abstract

The embodiment of the present invention provides a method and device for configuring the insurance starting point, the method comprising: when receiving a login request from a user to log in to the insurance starting point configuration interface, pushing the insurance starting point configuration interface to the terminal corresponding to the user, the insurance starting point configuration interface is used to instruct the user to input insurance information; obtaining the target insurance information input by the user in the insurance starting point configuration interface; determining the target insurance starting point that successfully matches the target insurance information according to the mapping relationship between the preset insurance information and the insurance starting point. Through the embodiment of the present invention, the insurance starting point can be configured intelligently, which improves the work efficiency of the configuration personnel and saves costs.

Description

Technical Field

[0001] The present application relates to the technical field of financial insurance, and in particular to a method and device for configuring an insurance starting point. Background Art

[0002] At present, in the insurance industry, the insurance threshold mainly refers to the minimum insured amount and premium set by the insurance company for each type of insurance. The setting of the insurance threshold is closely related to market changes. With the changes in the market, the insurance threshold is modified frequently. When configuring the insurance threshold, the configuration personnel need to change the insurance threshold every time, which is time-consuming and costly. Summary of the invention

[0003] The present application proposes a method and device for configuring a starting point, which can intelligently configure the starting point, improve the work efficiency of configuration personnel, and save costs.

[0004] In a first aspect, the present application proposes a method for configuring a starting point, comprising:

[0005] When receiving a login request from a user to log in to the insurance starting point configuration interface, pushing the insurance starting point configuration interface to the terminal corresponding to the user, the insurance starting point configuration interface is used to instruct the user to input insurance information;

[0006] Acquire target insurance information input by the user in the insurance starting point configuration interface, wherein the target insurance information includes at least one of the following: region, insurance type, income level, credit record and physical condition;

[0007] The target insurance starting point that successfully matches the target insurance information is determined based on the preset mapping relationship between the insurance information and the insurance starting point.

[0008] A second aspect of an embodiment of the present application provides a device for configuring a starting point, the device comprising a receiving unit, an acquiring unit, and a determining unit, wherein:

[0009] The receiving unit is used to receive a login request from a user to log in to the protection point configuration interface;

[0010] The acquisition unit is used to acquire the target insurance information input by the user on the insurance starting point configuration interface;

[0011] The determination unit determines the target insurance starting point that successfully matches the target insurance information from a preset insurance starting point configuration library according to a mapping relationship between preset insurance information and insurance starting points.

[0012] A third aspect of an embodiment of the present application provides a terminal, comprising a processor, an input device, an output device and a memory, wherein the processor, the input device, the output device and the memory are interconnected, wherein the memory is used to store a computer program, the computer program comprises program instructions, and the processor is configured to call the program instructions to execute the method described in the first aspect of the embodiment of the present application.

[0013] The fourth aspect of the embodiments of the present application provides a computer-readable storage medium, wherein the computer-readable storage medium stores a computer program for electronic data exchange, wherein the computer program enables a computer to execute part or all of the steps described in the first aspect of the embodiments of the present application.

[0014] Implementing the embodiments of the present application has at least the following beneficial effects:

[0015] Through the embodiments of the present application, when the terminal receives a login request from a user to log in to the insurance starting point configuration interface, the terminal pushes the insurance starting point configuration interface to the terminal corresponding to the user. The insurance starting point configuration interface is used to instruct the user to enter insurance information and obtain the target insurance information entered by the user in the insurance starting point configuration interface. The target insurance information includes at least one of the following: region, insurance type, income level, credit record and physical condition. The target insurance starting point that successfully matches the target insurance information is determined based on the mapping relationship between the preset insurance information and the insurance starting point, thereby intelligently completing the configuration of the insurance starting point, improving the work efficiency of the configuration personnel and saving costs. BRIEF DESCRIPTION OF THE DRAWINGS

[0016] In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings required for use in the embodiments or the description of the prior art will be briefly introduced below. Obviously, the drawings described below are only some embodiments of the present application. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying creative work.

[0017] Figure 1 A schematic diagram of a flow chart of a first embodiment of a method for configuring a starting point provided in an embodiment of the present application;

[0018] Figure 2 A schematic diagram of a flow chart of a second embodiment of a method for configuring a starting point provided in an embodiment of the present application;

[0019] Figure 3 A schematic flow chart of a third embodiment of a method for configuring a starting point provided in an embodiment of the present application;

[0020] Figure 4a A schematic diagram of the structure of a configuration device for a starting point is provided for an embodiment of the present application;

[0021] Figure 4b The embodiment of the present application provides a Figure 4a A schematic diagram of the structure of a receiving unit of the configuration device for the starting point described in;

[0022] Figure 4c The embodiment of the present application provides a Figure 4a A schematic diagram of the structure of a matching unit of the configuration device for the starting point described in;

[0023] Figure 5 A schematic diagram of the structure of a terminal is provided for an embodiment of the present application. DETAILED DESCRIPTION

[0024] The following will be combined with the drawings in the embodiments of the present application to clearly and completely describe the technical solutions in the embodiments of the present application. Obviously, the described embodiments are only part of the embodiments of the present application, not all of the embodiments. Based on the embodiments in the present application, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of this application.

[0025] The terms "first", "second", etc. in the specification and claims of this application and the above-mentioned drawings are used to distinguish different objects, rather than to describe a specific order. In addition, the terms "including" and "having" and any variations thereof are intended to cover non-exclusive inclusions. For example, a process, method, system, product or device that includes a series of steps or units is not limited to the listed steps or units, but optionally includes steps or units that are not listed, or optionally includes other steps or units inherent to these processes, methods, products or devices.

[0026] Reference to "embodiments" in this application means that a particular feature, structure, or characteristic described in conjunction with the embodiments may be included in at least one embodiment of the present application. The appearance of the phrase in various locations in the specification does not necessarily refer to the same embodiment, nor is it an independent or alternative embodiment that is mutually exclusive with other embodiments. It is explicitly and implicitly understood by those skilled in the art that the embodiments described in this application may be combined with other embodiments.

[0027] The terminals mentioned in the embodiments of the present application may include various handheld devices with wireless communication functions, vehicle-mounted devices, wearable devices (such as smart watches, smart bracelets, pedometers, etc.), computing devices or other processing devices connected to wireless modems, and various forms of user equipment (UE), mobile stations (MS), terminal devices, etc. For the convenience of description, the above-mentioned devices are collectively referred to as terminals.

[0028] See also Figure 1 , is a flowchart of a first embodiment of a method for configuring a starting point provided in an embodiment of the present application. This method can be applied to the above-mentioned terminal, such as Figure 1 The method may include:

[0029] 101. When receiving a login request from a user to log in to a policy starting point configuration interface, push the policy starting point configuration interface to a terminal corresponding to the user, wherein the policy starting point configuration interface is used to instruct the user to input insurance information;

[0030] The embodiment of the present application is applied to the underwriting system in the terminal of the insurance company. The starting point configuration interface is an interface used by the insurance company staff or configuration personnel to configure the starting point, which includes the insurance amount and the premium. The premium refers to the fee that the insured needs to pay to the insurance company regularly after the insured purchases the insurance and signs the contract; the insurance amount refers to the maximum amount of money that the insurance company promises to pay when the insured encounters a risk after the insured purchases the insurance and signs the contract.

[0031] Optionally, the above step 101, pushing the starting point configuration interface according to the login request, may include the following steps:

[0032] 11. Receive a login request from the user on the login starting point configuration interface, wherein the login request carries the user's login information;

[0033] 12. Perform login verification based on the login information;

[0034] 13. If the login information is successfully verified, the starting point configuration interface is pushed.

[0035] Among them, the user can be an insurance company staff or other configuration personnel who use the interface for configuring the insurance starting point. The login information carried in the login request can be at least one of the following: ID number, name, mobile phone number verification password, fingerprint information, face information, voiceprint information, iris information, etc., which are not limited here. The terminal can pre-store preset login information, and the preset login information can be pre-entered by the user. The preset login information can be saved in the database. Of course, a large number of users' preset login information can be saved in the database, and each preset login information can correspond to a user who is allowed to configure the insurance starting point. Furthermore, after obtaining the user's login information, the login information can be compared with the preset login information. If the comparison is successful, the login information verification is successful. If the comparison fails, the login information verification fails. After the login information verification is successful, the insurance starting point configuration interface is pushed.

[0036] Among them, the insurance information refers to the configuration information of the insurance starting point configured by the configuration personnel in the insurance starting point configuration interface, which may include at least one of the following: region, insurance type, income level, credit record, physical condition, regional sales situation and insurance type sales situation, etc., which are not limited here. Each insurance information corresponds to a group of insurance starting points, and each group of insurance starting points corresponds to an insurance amount and a premium.

[0037] 102. Obtain target insurance information input by the user in the insurance starting point configuration interface, wherein the target insurance information includes at least one of the following: region, insurance type, income level, credit record, and physical condition;

[0038] The target insurance information includes at least one of the following: region, insurance type, age, income level, credit record and physical condition, which are not limited here. Each target insurance information corresponds to a set of insurance starting points.

[0039] Optionally, the above step 102, obtaining the target insurance information input by the user in the insurance starting point configuration interface, may include the following steps:

[0040] 21. Acquire first voice information of the user, and pre-process the first voice information to obtain second voice information;

[0041] 22. Input the second voice information into a neural network for feature extraction to obtain a first feature parameter;

[0042] 23. Match the first characteristic parameter with each second characteristic parameter in a preset characteristic parameter set to obtain a plurality of matching values, wherein each second characteristic parameter corresponds to a text template;

[0043] 24. Select a maximum matching value from the multiple matching values, and use a text template corresponding to a characteristic parameter corresponding to the maximum matching value as the target insurance information.

[0044] Among them, the first feature parameter may be the sound parameter of the second voice after feature extraction through a neural network, the preset feature set may include multiple second feature parameters, the second feature parameter may include multiple insurance information, the preset feature parameter set may be pre-stored in a database, and can be set by the user or the system; the text template may be pre-stored in a database, which is set by the user or the system, the system or terminal obtains the first voice information input by the user, and obtains the second voice information after preprocessing, the purpose is to eliminate aliasing, high-order harmonic distortion, high frequency, etc. caused by the human vocal organ itself and the equipment for collecting voice signals. Specifically, the first feature parameter is matched with each second feature parameter in the preset feature parameter set, and the calculation method for obtaining multiple matching values ​​may include: dividing the number of parameters that match the first feature parameter with each second feature parameter in the preset feature parameter set by the total number of second feature parameters that match the first feature parameter.

[0045] Feature extraction methods may include: linear prediction analysis (Linear Prediction Coefficients, LPC), perceptual linear prediction coefficients (Perceptual Linear Predictive, PLP), Tandem features and Bottleneck features, Fbank features based on filter banks (Filterbank), linear prediction cepstral coefficients (Linear Predictive Cepstral Coefficient, LPCC), and Mel Frequency Cepstral Coefficent (Mel Frequency Cepstral Coefficent, MFCC).

[0046] 103. Determine a target insurance starting point that successfully matches the target insurance information according to a preset mapping relationship between the insurance information and the insurance starting point.

[0047] Optionally, a plurality of insurance starting point configuration rules are pre-stored in the preset insurance starting point configuration library, and the plurality of insurance starting point configuration rules can be used to configure the insurance starting point. In a specific implementation, a mapping relationship between each insurance starting point configuration rule and the insurance starting point can be pre-set, wherein each insurance starting point configuration rule can correspond to multiple groups of insurance starting points, and each group of insurance starting points corresponds to an insurance amount and a premium.

[0048] Specifically, based on step 103, before matching the target insurance starting point that successfully matches the target insurance information from the preset insurance starting point configuration library based on the target insurance information, the mapping relationship between the preset insurance information and the insurance starting point can be pre-stored in the preset insurance starting point configuration library; and the target insurance starting point corresponding to the target insurance information is determined according to the mapping relationship between the preset insurance information and the insurance starting point.

[0049] Optionally, the preset insurance information may include the above-mentioned region, insurance type, income level, credit record and physical condition, etc. The preset insurance information may be generated as a preset insurance information identifier, which may include the name string or digital number in the above-mentioned preset insurance information, etc. The preset insurance information identifier may be one or more character codes for identification, one or more bits of binary data for identification, or a serial number set according to actual conditions. The technology for generating the above-mentioned preset insurance information identifier may include digital object unique identification (HandleSystem) technology, object identifier (Object Identifier, OID) technology and Internet of Things unified identification system (Entity Code for IoT, Ecode) technology, etc., wherein the above-mentioned identification technologies are proposed by different organizations, and their starting point is to uniquely mark objects, digital objects, etc. and provide information query functions.

[0050] Specifically, the insurance starting points corresponding to different regions are pre-stored in the preset insurance starting point configuration library according to the mapping relationship between regions and insurance starting points, wherein each region corresponds to a set of preset insurance starting points. When the insurance information input by the user is a region, the target insurance starting point corresponding to the region is obtained according to the mapping relationship between the preset region and the insurance starting point.

[0051] The step of obtaining the target insurance starting point corresponding to the region according to the preset mapping relationship between the region and the insurance starting point may include the following steps A1-A2:

[0052] A1. Using the region in the target insurance information as a search parameter, search the preset insurance starting point configuration library;

[0053] A2. If the preset insurance starting point corresponding to the region can be searched, the match is successful, and the preset insurance starting point corresponding to the region is the target insurance starting point.

[0054] Among them, different regions can be converted into different character codes for identification in advance, each region corresponds to a character code, each character code corresponds to a group of preset insurance starting points, and the group of preset insurance starting points includes an insurance amount and a premium; when the region entered by the user is received, the region is converted into the corresponding character code, and the preset insurance starting point corresponding to the character code is matched from the preset insurance starting point configuration library.

[0055] Optionally, a method for presetting the mapping relationship between the regions and the starting points of the insurance may include the following steps B1-B2:

[0056] B1. Obtain a pre-stored per capita consumption expenditure table, wherein the per capita consumption expenditure table includes the per capita consumption expenditure of each region;

[0057] B2. The preset per capita consumption expenditure threshold is X. The insured amount at the starting point of the area exceeding the preset per capita consumption expenditure threshold X is set to Y1 yuan, and the premium is set to Z1. The insured amount at the starting point of the area not exceeding the preset per capita consumption expenditure threshold X is set to Y2 yuan, and the premium is set to Z2 yuan, wherein Y1>Y2, Z1>Z2, and X, Y1, Y2, Z1, and Z2 are all positive real numbers.

[0058] For example, taking travel life accident insurance as an example, the preset per capita consumption expenditure threshold is 10,000 yuan. If it exceeds the per capita consumption expenditure threshold of 10,000 yuan, the minimum insured amount will be set to 500,000 yuan and the premium will be set to 52 yuan; if it does not exceed the per capita consumption expenditure threshold, the minimum insured amount will be set to 300,000 yuan and the premium will be set to 45 yuan, as described in the following table, Table 1 is the per capita consumption expenditure table, and Table 2 is the corresponding table of the starting point of insurance.

[0059] Table 1 Per capita consumption expenditure

[0060] area Shanghai Beijing Guangdong Hubei Hebei Qinghai Per capita consumption expenditure (yuan) 21321 19670 12648 9770 8055 7731

[0061] Table 2 Correspondence table of starting points

[0062] Insurance Type area Minimum coverage Premium Insurance Period Travel life accident insurance Shanghai 500,000 52 Yuan 90 days Travel life accident insurance Beijing 500,000 52 Yuan 90 days Travel life accident insurance Guangdong 500,000 52 Yuan 90 days Travel life accident insurance Hubei 300,000 45 Yuan 90 days Travel life accident insurance Hebei 300,000 45 Yuan 90 days Travel life accident insurance Qinghai 300,000 45 Yuan 90 days

[0063] Optionally, based on step 103, before matching the target insurance starting point that successfully matches the target insurance information from the preset insurance starting point configuration library based on the target insurance information, the mapping relationship between the user level and the insurance starting point can be pre-stored in the preset insurance starting point configuration library; wherein the user level refers to the level of the user or customer who cooperates with the insurance company, and each user or customer level corresponds to a set of insurance starting points.

[0064] Specifically, the level division method can be divided according to the user's income level. For example, the customers are divided into: first-level customers, second-level customers, third-level customers, fourth-level customers, and fifth-level customers. As shown in Table 3, the specific level division standards may include: when the annual income is 800,000 yuan to 1,000,000 yuan, the corresponding customer level is a first-level customer; when the annual income is 500,000 yuan to 799,999 yuan, the corresponding customer level is a second-level customer; when the annual income is 300,000 yuan to 499,999 yuan, the corresponding customer level is a third-level customer; when the annual income is 100,000 yuan to 299,999 yuan, the corresponding customer level is a fourth-level customer; when the annual income is less than 100,000 yuan, the corresponding customer level is a fifth-level customer; of course, the level division method of other users or customers is not limited, and the level division method can be set by the system administrator or by the system default.

[0065] Table 3 User level table

[0066] Annual income (yuan) User Level [800000,1000000] Level 1 [500000,799999] Level 2 [300000,499999] Level 3 [100000,299999] Level 4 <100000 Level 5

[0067] For example, as shown in Table 4, it is a correspondence table of the insurance starting points for different user levels of insurance type A. Taking insurance type A as an example, each user or customer level corresponds to a set of insurance starting points. It can be seen from the table that the higher the annual income, the higher the insurance starting point can be set, that is, the higher the premium and the insured amount.

[0068] Table 4 Correspondence table of the starting points of insurance for different user levels of insurance type A

[0069] Annual income (yuan) User Level Insurance Type Premium Sum Insured [800000,1000000] Level 1 Insurance Type A 80 500,000 [500000,799999] Level 2 Insurance Type A 70 400,000 [300000,499999] Level 3 Insurance Type A 60 300,000 [100000,299999] Level 4 Insurance Type A 50 200,000 <100000 Level 5 Insurance Type A 20 50,000

[0070] Optionally, matching the target insurance starting point that successfully matches the target insurance information from the preset insurance starting point configuration library according to the target insurance information may further include steps 31-32, which are as follows:

[0071] 31. Determine the target user level of the user according to the target insurance information;

[0072] 32. Determine the target insurance starting point corresponding to the target user level according to the pre-stored mapping relationship between the user level and the insurance starting point.

[0073] The target insurance information includes at least one of the following: region, insurance type, income level, credit record, physical condition, etc., which are not limited here.

[0074] Specifically, if the target insurance information includes multiple pieces of information, the above step 31, determining the target user level of the user according to the target insurance information, includes steps C1-C3:

[0075] C1. Determine the evaluation value corresponding to each target information in the plurality of target information to obtain multiple evaluation values;

[0076] C2. Obtain a weight value corresponding to each target information in the plurality of target information to obtain a plurality of weight values;

[0077] C3. Determine a target user level of the user according to the multiple evaluation values ​​and the multiple weight values.

[0078] Among them, it can be known from the above steps that the target insurance information includes at least one of the following: region, insurance type, income level, credit record, and physical condition. In the preset insurance starting point configuration library, different target insurance information corresponds to different insurance starting point configuration rules, and the target insurance information includes multiple information, and there is a mapping relationship between each information and the evaluation value, that is, each information corresponds to an evaluation value, and the user level is evaluated according to the evaluation values ​​corresponding to the multiple information.

[0079] Specifically, the above step C1, determining the evaluation value corresponding to each target information in the plurality of target information, and obtaining the plurality of evaluation values ​​may include the following steps C11-C12:

[0080] C11. Obtain a mapping relationship between each of the multiple information in the preset target insurance information and the evaluation value, wherein each of the information corresponds to an evaluation value;

[0081] C12. Determine the evaluation value corresponding to each of the multiple target information according to the mapping relationship to obtain multiple evaluation values.

[0082] Among them, the mapping relationship between each of the multiple information in the target insurance information and the evaluation value can be preset, and each information corresponds to an evaluation value, which can be set by the system administrator or by system default.

[0083] In a specific implementation, the method for presetting the mapping relationship between each target information in the target insurance information and the evaluation value may include: presetting a standard value x0 for each target information, and i , calculate the evaluation value:

[0084]

[0085] For example, if the target insurance information is an income level, the income level can be preset according to the user's annual income, as shown in Table 5 below, which is an evaluation table for income levels, where the income level is preset according to the annual income, and each income level corresponds to a standard value. The specific setting method is not limited here. If a user's annual income is 200,000 yuan, the table shows that it belongs to the second-level income, and the corresponding standard value is 200,000 yuan. The evaluation value calculation formula shows that the evaluation value at this time is 1; if a user's annual income is 300,000 yuan, the table shows that it belongs to the third-level user, and the corresponding standard value is 400,000 yuan. The evaluation value calculation formula shows that the evaluation value at this time is 0.75.

[0086] Table 5 Income level evaluation table

[0087] Annual income (ten thousand yuan) Income level Standard value (ten thousand yuan) <15 Level 1 10 [15,29.9999] Diode 20 [30,44.9999] Level 3 40 [45,60] Level 4 50 >50 Level 5 60

[0088] Optionally, in the above step C12, determining the evaluation value corresponding to each of the plurality of target information according to the mapping relationship, the specific steps of obtaining the plurality of evaluation values ​​may include C121-C122:

[0089] C121, determine the threshold interval corresponding to the target information, the threshold interval includes the minimum value x min and the maximum value x max ;

[0090] C122. Calculate the evaluation value y corresponding to the target information according to the following formula j :

[0091]

[0092] Among them, y j represents the evaluation value, x j Indicates target information.

[0093] For example, if the target insurance information is a credit record, the credit record includes a credit value and a credit level, as shown in Table 6 below, which is a credit record table based on the user, which includes a preset credit value range and a credit level. If a user's credit value is 85 points, the user is at the fifth level, and the user's evaluation value is calculated to be 0.5 according to the credit value range (80,90]; if a user's credit value is 95 points, the user is at the sixth level, and the user's evaluation value is calculated to be 0.5 according to the credit value range (90,100].

[0094] Table 6 Credit Record

[0095] Credit value range Credit rating (0,10] Level 1 (10,60] Diode (60,70] Level 3 (70,80] Level 4 (80,90] Level 5 (90,100] Level 6

[0096] Optionally, the method for mapping the relationship between each target information in the multiple information in the preset target insurance information and the evaluation value can also be set by the inverse method, minimum threshold method, weight method or absolute value inverse method, etc., which is not limited here.

[0097] Specifically, step C2, before obtaining the weight value corresponding to each target information in the multiple target information, the weight value corresponding to each target information in the multiple target information is preset. In a specific implementation, each target information corresponds to a weight value, wherein the corresponding relationship between each target information in the multiple target information and the weight value can be set by the system administrator or by the system default. In a specific implementation, the corresponding relationship between each target information in the multiple target information and the weight value may include: each target insurance information corresponds to a weight value, and multiple information in each target insurance information also corresponds to a sub-weight value. The weight value corresponding to each target information and the sub-weight value corresponding to multiple information in each target insurance information can be set according to the importance of the target insurance information. The higher the importance, the larger the weight value and the sub-weight value, and the weighted value of all weights is 1. Specifically, the weight values ​​of the insurance type, income level, and credit record in the target insurance information are set to a1, a2, and a3, respectively, and a1+a2+a3=1. When the target insurance information is the income level, according to Table 5 in the above steps, there are 5 income levels in Table 5, and the sub-weights of the first, second, third, fourth, and fifth income levels are preset as β1, β2, β3, β4, and β5, respectively, and β1+β2+β3+β4+β5=1. The specific method of presetting the weight value corresponding to each target information in multiple target information can be set by the system administrator or by system default.

[0098] Further, step C3, the specific method for determining the target user level of the user based on the multiple evaluation values ​​and the multiple weight values ​​may include: multiplying the multiple evaluation values ​​of the multiple information in the target insurance information by the sub-weight values ​​corresponding to the evaluation values, and then multiplying them by the corresponding weight values ​​of the target insurance information to obtain multiple result values, and finally adding the multiple result values ​​to obtain the final target value, and selecting the user level with the highest target value as the target user level.

[0099] Optionally, the user levels pre-stored in the preset starting point configuration library can be pre-set according to the target value, according to the pre-set different target value ranges, each range corresponds to a target user level, wherein the target value range can be set by the system administrator or by system default.

[0100] For example, as shown in Table 7, the target user level table is preset by setting different target value ranges, and the specific setting method is not limited here.

[0101] Table 7 Target user level table

[0102]

[0103]

[0104] Optionally, in step 32, the specific method of determining the target insurance starting point corresponding to the target user level from the mapping relationship between the user level and the insurance starting point stored in the preset insurance starting point configuration library may include steps D1-D2:

[0105] D1. Obtain a pre-stored target user level table, wherein the target user level includes multiple target value ranges, and each target value range corresponds to a level;

[0106] D2. A set of insurance starting points is preset for each level, wherein each set of insurance starting points includes a premium and an insured amount.

[0107] For example, as shown in Table 8, a mapping relationship table between user levels and insurance starting points is pre-stored. It can be seen from the table that the higher the user level, the higher the premium in the insurance starting point and the higher the insurance amount. The specific setting method is not limited here.

[0108] Table 8 Mapping relationship between user level and insurance starting point

[0109] Target value User Level Insured amount (ten thousand yuan) Premium (Yuan) (0,0.05] Level 1 50 20 (0.05,0.25] Level 2 60 30 (0.25,0.5] Level 3 70 40 (0.5,0.75] Level 4 80 50 (0.75,1] Level 5 90 60

[0110] For example, the weight values ​​of the region, income level and credit record in the target insurance information are set to 0.2, 0.3 and 0.5 respectively. When the target insurance information is the income level, the weights of the income level and credit record are preset according to Tables 5 and 6 in the above steps. There are 5 income levels in Table 5, and the preset sub-weights of the first, second, third, fourth and fifth income levels are 0.1, 0.15, 0.2, 0.25 and 0.3 respectively; there are 6 levels of credit levels in Table 6, and the preset credit levels are the first, second, third, fourth, fifth and sixth levels with weights of 0.05, 0.1, 0.15, 0.2, 0.2 and 0.3 respectively. If user A and user B are in the same region and purchase the same type of insurance, user A's credit score is 85 points, then the user is at the fifth level. According to the credit score interval (80,90], the user's evaluation value is 0.5. The user's annual income is 200,000 yuan, which belongs to the second-level income. The corresponding standard value is 200,000 yuan. The evaluation value calculation formula is 1. Finally, the result of user A is calculated as: 0.5×0.2×0.5+1×0.15×0.3=0.095; if user B's credit score is 95 points, then the user is at the sixth level. According to the credit score interval (90,1 00] The evaluation value of the user is calculated to be 0.5. The annual income of the user is 300,000 yuan. According to the table, he belongs to the third-level user. The corresponding standard value is 400,000 yuan. The evaluation value calculation formula is used to get the evaluation value of 0.75. Finally, the result value of user B is calculated as follows: 0.75×0.2×0.3+0.5×0.3×0.5=0.045; according to Table 7, user A is a second-level user and user B is a first-level user; according to Table 8, when purchasing the same type of insurance, the insured amount of user A at the starting point is; the insured amount of user B at the starting point is 500,000 yuan, and the premium is 20 yuan 600,000 yuan, and the premium is 30 yuan.

[0111] Optionally, the insurance starting point for unused insurance types can also be set according to the sales situation of various insurances, which is not restricted here. The configuration personnel can add new insurance starting point configuration rules to the preset insurance starting point configuration library according to actual conditions, and can also delete the insurance starting point configuration rules, which is not limited here.

[0112] Optionally, if the target insurance information does not find a matching result in the preset insurance starting point configuration library, the administrator is prompted to verify the user's login information, where the administrator refers to the system administrator or the backend maintenance personnel, and there is no limitation here.

[0113] Through the embodiment of the present invention, the terminal receives a login request from a user to log in to the insurance starting point configuration interface; pushes the insurance starting point configuration interface according to the login request, and the insurance starting point configuration interface is used to instruct the user to input insurance information; obtains the target insurance information input by the user in the insurance starting point configuration interface; matches the target insurance starting point that successfully matches the target insurance information from the preset insurance starting point configuration library according to the target insurance information. This embodiment can configure the insurance starting point intelligently, improve the work efficiency of the configuration personnel, and save costs.

[0114] Consistent with the above, see Figure 2 , is a flow chart of a second embodiment of a method for configuring a starting point of insurance provided by an embodiment of the present invention. The method for configuring a starting point of insurance described in this embodiment includes the following steps:

[0115] 201. Receive a login request from a user on a login protection point configuration interface, wherein the login request carries login information of the user;

[0116] 202. Perform login verification according to the login information;

[0117] 203. If the login information verification is successful, push the insurance starting point configuration interface, the insurance starting point configuration interface is used to instruct the user to enter insurance information;

[0118] 204. Obtain target insurance information input by the user in the insurance starting point configuration interface;

[0119] 205. Determine a target insurance starting point that successfully matches the target insurance information according to a preset mapping relationship between the insurance information and the insurance starting point.

[0120] The specific description of steps 201-205 can refer to the above Figure 1 The corresponding steps of the described method for configuring the starting point will not be repeated here.

[0121] Through the embodiment of the present invention, the terminal receives a login request from a user on a login starting point configuration interface, wherein the login request carries the user's login information; and performs login verification according to the login information;

[0122] If the login information is successfully verified, the insurance starting point configuration interface is pushed, and the insurance starting point configuration interface is used to instruct the user to input insurance information; the target insurance information input by the user in the insurance starting point configuration interface is obtained; and the target insurance starting point that successfully matches the target insurance information is determined according to the preset mapping relationship between the insurance information and the insurance starting point. This embodiment can configure the insurance starting point intelligently, and determine the target insurance starting point corresponding to the target insurance information according to the preset mapping relationship between the insurance information and the insurance starting point, thereby completing the configuration of the insurance starting point, improving the work efficiency of the configuration personnel, and saving costs.

[0123] Consistent with the above, see Figure 3 , is a flow chart of a third embodiment of a method for configuring a starting point of insurance provided by an embodiment of the present invention. The method for configuring a starting point of insurance described in this embodiment includes the following steps:

[0124] 301. Receive a login request from a user on a login protection point configuration interface, wherein the login request carries login information of the user;

[0125] 302. Perform login verification according to the login information;

[0126] 303. If the login information verification is successful, push the insurance starting point configuration interface, the insurance starting point configuration interface is used to instruct the user to enter insurance information;

[0127] 304. Acquire first voice information input by the user in the protection starting point configuration interface, and pre-process the first voice information to obtain second voice information;

[0128] 305. Match the first characteristic parameter with each second characteristic parameter in a preset characteristic parameter set to obtain a plurality of matching values, wherein each second characteristic parameter corresponds to a text template;

[0129] 306. Select a maximum matching value from the multiple matching values, and use the text template corresponding to the characteristic parameter corresponding to the maximum matching value as the target insurance information;

[0130] 307. Determine the target user level of the user according to the target insurance information;

[0131] 308. If the target insurance information includes multiple pieces of information, obtain a mapping relationship between each piece of information in the preset target insurance information and an evaluation value, wherein each piece of information corresponds to an evaluation value;

[0132] 309. Determine an evaluation value corresponding to each target information in the plurality of target information according to the mapping relationship to obtain a plurality of evaluation values;

[0133] 310. Obtain a weight value corresponding to each target information in the plurality of target information to obtain a plurality of weight values;

[0134] 311. Determine a target user level of the user according to the multiple evaluation values ​​and the multiple weight values.

[0135] The specific description of steps 301-311 can refer to the above Figure 1 The corresponding steps of the described method for configuring the starting point will not be repeated here.

[0136] According to the embodiment of the present invention, a terminal receives a login request of a user for a login insurance starting point configuration interface, wherein the login request carries the login information of the user, and a login verification is performed according to the login information. If the login information verification is successful, the insurance starting point configuration interface is pushed, wherein the insurance starting point configuration interface is used to instruct the user to input insurance information, obtain a first voice message input by the user in the insurance starting point configuration interface, pre-process the first voice message to obtain a second voice message, match the first feature parameter with each second feature parameter in a preset feature parameter set to obtain a plurality of matching values, wherein each second feature parameter corresponds to a text template, select a maximum matching value from the plurality of matching values, and match the feature parameter corresponding to the maximum matching value to the text template. A text template corresponding to the number is used as the target insurance information, and the target user level of the user is determined according to the target insurance information. If the target insurance information includes multiple pieces of information, a mapping relationship between each of the multiple pieces of information in the preset target insurance information and the evaluation value is obtained, and each piece of information corresponds to an evaluation value. The evaluation value corresponding to each of the multiple target information is determined according to the mapping relationship to obtain multiple evaluation values, and a weight value corresponding to each of the multiple target information is obtained to obtain multiple weight values. The target user level of the user is determined according to the multiple evaluation values ​​and the multiple weight values, thereby completing the intelligent configuration of the insurance starting point, improving the work efficiency of the configuration personnel, and saving costs.

[0137] Consistent with the above, see Figure 4a , Figure 4a A schematic diagram of a configuration device for a starting point is provided for an embodiment of the present application. The device described in this embodiment includes: a receiving unit 401, an acquiring unit 402, and a determining unit 403, which are specifically as follows:

[0138] The receiving unit 401 is used to receive a login request from a user to log in to the protection point configuration interface;

[0139] An acquisition unit 402 is used to acquire target insurance information input by the user in the insurance starting point configuration interface;

[0140] The determination unit 403 is used to match the target insurance starting point that successfully matches the target insurance information from the preset insurance starting point configuration library according to the target insurance information.

[0141] Optional, such as Figure 4b , Figure 4b for Figure 4a The specific detailed structure of the receiving unit 401 of the configuration device of the starting point described in the embodiment of the present invention may include: a receiving module 4011, a verification module 4012 and a push module 4013, which are as follows:

[0142] The receiving module 4011 is used to receive a login request from a user on a login protection point configuration interface, wherein the login request carries the user's login information;

[0143] Verification module 4012, used for performing login verification according to the login information;

[0144] The push module 4013 is used to push the starting point configuration interface if the login information verification is successful.

[0145] Optional, such as Figure 4c , Figure 4c for Figure 4a The specific detailed structure of the determination unit 403 of the configuration device for the starting point described in the embodiment of the present invention may include: a first determination module 4031, an acquisition module 4032, and a second determination module 4033, which are as follows:

[0146] The first determination module 4031 is used to determine the evaluation value corresponding to each target information in the multiple target information to obtain multiple evaluation values;

[0147] The acquisition module 4032 is used to acquire a weight value corresponding to each target information in the plurality of target information to obtain a plurality of weight values;

[0148] A second determination module 4033 is used to determine the target user level of the user according to the multiple evaluation values ​​and the multiple weight values;

[0149] The acquisition module 4031 is further used to acquire the pre-stored mapping relationship between the user level and the insurance starting point from the preset insurance starting point configuration library;

[0150] The first determination module 4032 is further configured to determine the evaluation value corresponding to each of the plurality of target information according to the mapping relationship, so as to obtain a plurality of evaluation values.

[0151] It can be seen that through the embodiment of the present invention, the terminal receives a login request from a user to log in to the insurance starting point configuration interface; pushes the insurance starting point configuration interface according to the login request, and the insurance starting point configuration interface is used to instruct the user to input insurance information; obtains the target insurance information input by the user in the insurance starting point configuration interface; matches the target insurance starting point that successfully matches the target insurance information from the preset insurance starting point configuration library according to the target insurance information. This embodiment can configure the insurance starting point intelligently, improve the work efficiency of the configuration personnel, and save costs.

[0152] In line with the above, see Figure 5 , Figure 5 A schematic diagram of the structure of a terminal provided in an embodiment of the present application, such as Figure 5As shown, the computer system comprises a processor, an input device, an output device and a memory, wherein the processor, the input device, the output device and the memory are connected to each other, wherein the memory is used to store a computer program, the computer program comprises program instructions, the processor is configured to call the program instructions, and the program comprises instructions for executing the following steps:

[0153] Receive a login request from a user to log into the protection point configuration interface;

[0154] Pushing the insurance starting point configuration interface according to the login request, wherein the insurance starting point configuration interface is used to instruct the user to input insurance information;

[0155] Obtaining target insurance information input by the user in the insurance starting point configuration interface;

[0156] A target insurance starting point that successfully matches the target insurance information is matched from a preset insurance starting point configuration library according to the target insurance information.

[0157] In one possible example, in terms of receiving a login request from a user to log in to a starting point configuration interface, the instructions in the program are specifically used to perform the following operations: receiving a login request from a user to log in to a starting point configuration interface, the login request carrying the user's login information; performing login verification based on the login information; if the login information verification is successful, pushing the starting point configuration interface.

[0158] In one possible example, in terms of obtaining the target insurance information input by the user in the insurance starting point configuration interface, the instructions in the program are specifically used to perform the following operations: obtain the user's first voice information, preprocess the first voice information, and obtain second voice information; input the second voice information into a neural network for feature extraction to obtain a first feature parameter; match the first feature parameter with each second feature parameter in a preset feature parameter set to obtain multiple matching values, each second feature parameter corresponding to a text template; select the maximum matching value from the multiple matching values, and use the text template corresponding to the feature parameter corresponding to the maximum matching value as the target insurance information.

[0159] In one possible example, in terms of determining the target insurance starting point that successfully matches the target insurance information based on the mapping relationship between preset insurance information and insurance starting points, the instructions in the program are specifically used to perform the following operations: determine the target user level of the user based on the target insurance information; determine the target insurance starting point corresponding to the target user level from the mapping relationship between user level and insurance starting point stored in the preset insurance starting point configuration library.

[0160] In one possible example, if the target insurance information includes multiple pieces of information, in terms of determining the target user level of the user based on the target insurance information, the instructions in the program are specifically used to perform the following operations: if an instruction to determine the target user level of the user based on the target insurance information is received, determine the evaluation value corresponding to each target information in the multiple target information to obtain multiple evaluation values; obtain the weight value corresponding to each target information in the multiple target information to obtain multiple weight values; determine the target user level of the user based on the multiple evaluation values ​​and the multiple weight values.

[0161] The above mainly introduces the scheme of the embodiment of the present application from the perspective of the execution process on the method side. It should be understood that the disclosed device can be implemented in other ways. For example, the device embodiment described above is only schematic. For example, the division of the units is only a logical function division. There may be other division methods in actual implementation. For example, multiple units or components can be combined or integrated into another system, or some features can be ignored or not executed. Another point is that the indirect coupling or direct coupling or communication connection between each other shown or discussed can be through some interfaces, and the indirect coupling or communication connection of the device or unit can be electrical or other forms.

[0162] The units described as separate components may or may not be physically separated, and the components shown as units may or may not be physical units, that is, they may be located in one place or distributed on multiple network units. Some or all of the units may be selected according to actual needs to achieve the purpose of the solution of this embodiment.

[0163] In addition, each functional unit in each embodiment of the present invention may be integrated into one processing unit, or each unit may exist physically separately, or two or more units may be integrated into one unit. The above-mentioned integrated unit may be implemented in the form of hardware or in the form of software functional units.

[0164] An embodiment of the present application also provides a computer storage medium, wherein the computer storage medium stores a computer program for electronic data exchange, and the computer program enables a computer to execute part or all of the steps of any task allocation method recorded in the above method embodiments.

[0165] Although the present invention is described herein in conjunction with various embodiments, in the process of implementing the claimed invention, those skilled in the art may understand and implement other variations of the disclosed embodiments by viewing the drawings, the disclosure, and the appended claims. In the claims, the word "comprising" does not exclude other components or steps, and "one" or "an" does not exclude multiple situations. A single processor or other unit may implement several functions listed in the claims. Certain measures are recorded in different dependent claims, but this does not mean that these measures cannot be combined to produce good results.

[0166] It will be appreciated by those skilled in the art that embodiments of the present invention may be provided as methods, devices, or computer program products. Therefore, the present invention may take the form of a complete hardware embodiment, a complete software embodiment, or an embodiment combining software and hardware. Moreover, the present invention may take the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing computer-usable program codes. The computer program is stored / distributed in a suitable medium, provided together with other hardware or as a part of the hardware, or may take other distribution forms, such as through the Internet or other wired or wireless telecommunication systems.

[0167] The present invention is described with reference to the flowcharts and / or block diagrams of the methods, apparatuses (devices) and computer program products of the embodiments of the present invention. It should be understood that each process and / or block in the flowchart and / or block diagram, as well as the combination of the processes and / or blocks in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor or other programmable data processing device to generate a machine, so that the instructions executed by the processor of the computer or other programmable data processing device generate instructions for implementing the processes in the flowchart and / or block diagram. Figure 1 A process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.

[0168] These computer program instructions may also be stored in a computer-readable memory capable of directing a computer or other programmable data processing device to operate in a specific manner, so that the instructions stored in the computer-readable memory produce an article of manufacture comprising an instruction device, which implements the process Figure 1 A process or multiple processes and / or boxes Figure 1 A function specified in one or more boxes.

[0169] Although the present invention has been described in conjunction with specific features and embodiments thereof, it is apparent that various modifications and combinations may be made thereto without departing from the spirit and scope of the present invention. Accordingly, this specification and the accompanying drawings are merely exemplary illustrations of the present invention as defined by the appended claims and are deemed to cover any and all modifications, variations, combinations or equivalents within the scope of the present invention. Obviously, those skilled in the art may make various modifications and variations to the present invention without departing from the spirit and scope of the present invention. Thus, the present invention is intended to include such modifications and variations if they fall within the scope of the claims of the present invention and their equivalents.

Claims

1. A method for configuring a starting point, characterized in that: include: When receiving a login request from a user to log in to the insurance starting point configuration interface, pushing the insurance starting point configuration interface to the terminal corresponding to the user, the insurance starting point configuration interface is used to instruct the user to input insurance information; Acquire target insurance information input by the user in the insurance starting point configuration interface, wherein the target insurance information includes at least one of the following: region, insurance type, income level, credit record and physical condition; Determining a target user level of the user according to the target insurance information; Determine a target insurance starting point corresponding to the target user level from a mapping relationship between user levels and insurance starting points stored in a preset insurance starting point configuration library; If there are multiple target insurance information, and multiple target information is included, determining the target user level of the user according to the target insurance information includes: Determine the evaluation value corresponding to each target information in the plurality of target information according to the mapping relationship, and obtain a plurality of evaluation values, wherein the mapping relationship is set by a system administrator or a system default setting, or is obtained by a calculation formula; Obtaining a weight value corresponding to each target insurance information in the multiple target insurance information to obtain multiple weight values, each target insurance information corresponds to a weight value, each target information corresponds to a sub-weight value, the weight value and the sub-weight value are determined according to the importance of the target insurance information and the target information, the higher the importance, the greater the weight value and the sub-weight value; Multiply the multiple evaluation values ​​corresponding to multiple target information among the multiple target insurance information by the sub-weight values ​​corresponding to the evaluation values, and then multiply by the weight values ​​corresponding to the target insurance information to obtain multiple result values, add the multiple result values ​​to obtain the target value, determine the range within which the target value falls, and determine the target user level based on the range.

2. The method according to claim 1, characterized in that: When receiving a login request from a user to log in to the insurance starting point configuration interface, pushing the insurance starting point configuration interface to a terminal corresponding to the user includes: Receiving a login request from a user on a login starting point configuration interface, wherein the login request carries the user's login information; Performing login verification according to the login information; If the login information is successfully verified, the starting point configuration interface is pushed.

3. The method according to claim 1 or 2, characterized in that: The obtaining of target insurance information input by the user in the insurance starting point configuration interface includes: Acquire first voice information of the user, and preprocess the first voice information to obtain second voice information; Inputting the second speech information into a neural network for feature extraction to obtain a first feature parameter; Matching the first characteristic parameter with each second characteristic parameter in a preset characteristic parameter set to obtain a plurality of matching values, wherein each second characteristic parameter corresponds to a text template; A maximum matching value is selected from the multiple matching values, and a text template corresponding to the characteristic parameter corresponding to the maximum matching value is used as the target insurance information.

4. The method according to claim 1, characterized in that: The step of determining the evaluation value corresponding to each target information in the plurality of target information to obtain the plurality of evaluation values ​​comprises: Obtaining a mapping relationship between each target information and an evaluation value among multiple target information in the preset target insurance information, wherein each target information corresponds to an evaluation value; An evaluation value corresponding to each of the multiple pieces of target information is determined according to the mapping relationship to obtain multiple evaluation values.

5. The method according to claim 4, if the target information is an income level or a credit record, determining the evaluation value corresponding to each of the multiple target information according to the mapping relationship to obtain multiple evaluation values, comprises: Determine a threshold interval corresponding to the target information, wherein the threshold interval includes a minimum value and maximum value ; The evaluation value corresponding to the target information is calculated according to the following formula: in, Indicates the evaluation value, Indicates target information.

6. A device for configuring a starting point, characterized in that: The device comprises: A receiving unit, configured to receive a login request from a user to log into a protection point configuration interface; An acquisition unit, used for acquiring target insurance information input by the user in the insurance starting point configuration interface; a determination unit, configured to determine a target user level of the user according to the target insurance information; determine a target insurance starting point corresponding to the target user level from a mapping relationship between user levels and insurance starting points stored in a preset insurance starting point configuration library; wherein, if there are multiple target insurance information and multiple target information are included, determining the target user level of the user according to the target insurance information comprises: determining an evaluation value corresponding to each target information in the multiple target information according to the mapping relationship to obtain multiple evaluation values, wherein the mapping relationship is set by a system administrator or a system default setting, or is obtained by using a calculation formula; obtaining the evaluation value corresponding to each target information in the multiple target insurance information The weight value corresponding to the insurance information is obtained to obtain multiple weight values, each of the target insurance information corresponds to a weight value, and each of the target information corresponds to a sub-weight value, the weight value and the sub-weight value are determined according to the importance of the target insurance information and the target information, the higher the importance, the greater the weight value and the sub-weight value; multiple evaluation values ​​corresponding to multiple target information in the multiple target insurance information are multiplied by the sub-weight value corresponding to the evaluation value, and then multiplied by the weight value corresponding to the target insurance information to obtain multiple result values, the multiple result values ​​are added to obtain the target value, the range within which the target value falls is determined, and the target user level is determined according to the range.

7. A terminal, characterized in that: The method comprises a processor, an input device, an output device and a memory, wherein the processor, the input device, the output device and the memory are interconnected, wherein the memory is used to store a computer program, the computer program comprises program instructions, and the processor is configured to call the program instructions to execute the method according to any one of claims 1 to 5.

8. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores a computer program, wherein the computer program includes program instructions, and when the program instructions are executed by a processor, the processor is caused to perform the method according to any one of claims 1 to 5.

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