Method, device, equipment and storage medium for generating customer leads

Abstract

The present application relates to the field of artificial intelligence technology, and discloses a method, device, equipment and storage medium for generating customer leads, wherein the method comprises: obtaining a plurality of insurance policy data, obtaining policy member direct relationship data from each of the insurance policy data; generating a family member list and a family member relationship table according to the direct relationship data of each of the insurance policy members; using a preset full protection relationship table and each of the insurance policy data, identifying the missing insurance category for each family member in each of the family member lists, and obtaining a gap insurance category set corresponding to each of the family members; identifying the family policyholder identification for each of the family member lists according to the direct relationship data of each of the insurance policy members; generating insurance customer leads for each of the family policyholder identifications according to each of the gap insurance category sets and each of the family member relationship tables. This improves the comprehensiveness of insurance customer leads and increases customer transaction rates.

Description

Technical Field

[0001] The present application relates to the field of artificial intelligence technology, and in particular to a method, device, equipment and storage medium for generating customer leads. Background Art

[0002] In order to increase insurance performance, the target uses a portrait label scoring model to profile customers, and generates insurance customer leads based on the portrait results. The insurance customer leads include the insured's insurance information gaps, and insurance agents sell insurance based on the insurance customer leads. However, the portrait label scoring model cannot analyze the relationship between policy members and cannot analyze the insurance gaps of family members, resulting in less information on insurance customer leads and a low customer transaction rate. Summary of the invention

[0003] The main purpose of this application is to provide a method, device, equipment and storage medium for generating customer leads, aiming to solve the technical problem that the prior art uses a portrait label scoring model to profile customers and generates insurance customer leads based on the portrait results, but the portrait label scoring model cannot analyze the relationship between policy members and cannot analyze the insurance gaps of family members, resulting in less information on insurance customer leads and a low customer conversion rate.

[0004] In order to achieve the above-mentioned invention object, the present application proposes a method for generating customer leads, the method comprising:

[0005] Acquire multiple insurance policy data, and acquire policy member direct relationship data from each of the insurance policy data;

[0006] Generate a family member list and a family member relationship table according to the direct relationship data of each policy member;

[0007] Using the preset full protection relationship table and each of the insurance policy data, identify the missing insurance category for each family member in each of the family member lists to obtain a missing insurance category set corresponding to each of the family members;

[0008] According to the direct relationship data of each of the policy members, identifying the family policyholders of each of the family members list;

[0009] According to each of the gap insurance category sets and each of the family member relationship tables, an insurance customer lead is generated for each of the family policyholder identifiers.

[0010] Furthermore, the step of generating a family member list and a family member relationship table according to the direct relationship data of each policy member includes:

[0011] Generate a policy member direct relationship pair from each of the policy member direct relationship data;

[0012] Reversely transform each of the policy-member direct relationship pairs to obtain policy-member reverse relationship pairs;

[0013] Generate a policy member indirect relationship pair by combining each of the policy member inverse relationship pairs and each of the policy member direct relationship pairs;

[0014] The family member list and the family member relationship table are generated according to each of the policy member direct relationship pairs, each of the policy member reverse relationship pairs and each of the policy member indirect relationship pairs.

[0015] Furthermore, the step of generating a policy member indirect relationship pair from each of the policy member reverse relationship pairs and each of the policy member direct relationship pairs includes:

[0016] Taking each of the policy member reverse relationship pairs and each of the policy member direct relationship pairs as an initial policy member relationship pair set, and duplicating the initial policy member relationship pair set to obtain a to-be-processed policy member relationship pair set;

[0017] sequentially acquiring a policy-member relationship pair from the initial policy-member relationship pair set as a first policy-member relationship pair;

[0018] Each of the policy-member relationship pairs in the to-be-processed policy-member relationship pair set, in which the member identifier of the first member is the same as the member identifier of the second member in the first policy-member relationship pair, is used as a second policy-member relationship pair;

[0019] Generate a third policy-member relationship pair by combining the member identifier of the first member in the first policy-member relationship pair with the member identifier of the second member in each of the second policy-member relationship pairs, and use each of the third policy-member relationship pairs as the policy-member indirect relationship pair;

[0020] Reversely transform each of the third policy-member relationship pairs to obtain fourth policy-member relationship pairs, and use each of the fourth policy-member relationship pairs as the policy-member indirect relationship pair;

[0021] Adding each of the third policy-member relationship pairs and each of the fourth policy-member relationship pairs to the set of policy-member relationship pairs to be processed, and performing deduplication processing on the set of policy-member relationship pairs to be processed;

[0022] The step of determining the first policy-member relationship pair is repeated until each of the policy-member relationship pairs in the initial policy-member relationship pair set is obtained.

[0023] Furthermore, the step of repeatedly performing the step of determining the first policy-member relationship pair until the step of acquiring each of the policy-member relationship pairs in the initial policy-member relationship pair set is completed further includes:

[0024] The set of pending policy-member relationship pairs is used to update the initial set of policy-member relationship pairs, and the step of determining the first policy-member relationship pair is repeated until the number of acquisitions of the initial set of policy-member relationship pairs reaches a preset number.

[0025] Furthermore, the step of using the preset full protection relationship table and each of the insurance policy data to identify the missing insurance category for each family member in each of the family member lists to obtain a missing insurance category set corresponding to each family member includes:

[0026] From each of the insurance policy data, searching for the purchased insurance category for each of the family members in each of the family member lists to obtain a purchased insurance category set corresponding to each of the family members;

[0027] From the full protection relationship table, searching for the insurance category to be purchased for each family member in each family member list, to obtain a set of insurance categories to be purchased corresponding to each family member;

[0028] For each of the insurance categories in the set of insurance categories to be purchased, search for the insurance category in the set of purchased insurance categories, and use the insurance category for which the search fails as a missing insurance category;

[0029] The gap insurance categories corresponding to the same family member are taken as the gap insurance category set.

[0030] Furthermore, the step of generating an insurance customer lead for each family policyholder identifier according to each of the gap insurance category sets and each of the family member relationship tables includes:

[0031] Determine the insurable object corresponding to each family insured person identifier according to each family member relationship table;

[0032] Acquire one of the family policyholder identifiers from each of the family policyholder identifiers as a target family policyholder identifier;

[0033] Generate the insurance customer clue corresponding to the target family policyholder identification according to each of the insurable objects and each of the gap insurance category sets corresponding to the target family policyholder identification;

[0034] The step of determining the target family policyholder identification is repeated until the insurance customer leads corresponding to each family policyholder identification are completed.

[0035] Furthermore, the step of generating the insurance customer clue corresponding to the target family policyholder identification according to each of the insurable objects and each of the gap insurance category sets corresponding to the target family policyholder identification includes:

[0036] Acquire, from the customer database, the single-subject income data of each of the insurable subjects corresponding to the target family policyholder identifier;

[0037] Adding the income data of each single object to obtain the family income data corresponding to the target family policyholder identifier;

[0038] Perform classification prediction of family type according to the family member list and the family member relationship table corresponding to the target family policyholder identifier, and obtain the target family type corresponding to the target family policyholder identifier;

[0039] According to the income data of each single subject, the family income data, each gap insurance category set and the target family type corresponding to the target family policyholder identifier, insurance recommendation is made for each insurable subject corresponding to the target family policyholder identifier to obtain an insurance recommendation result;

[0040] A preset customer lead generation format is used to generate customer leads for each of the insurable objects, each of the gap insurance category sets and each of the insurance recommendation results corresponding to the target family policyholder identification, and the generated customer leads are used as the insurance customer leads corresponding to the target family policyholder identification.

[0041] The present application also proposes a device for generating customer leads, the device comprising:

[0042] The insurance policy data acquisition module is used to acquire multiple insurance policy data and acquire the policy member direct relationship data from each of the insurance policy data;

[0043] A family member list and family member relationship table determination module, used to generate a family member list and a family member relationship table according to the direct relationship data of each policy member;

[0044] A gap insurance category set determination module is used to identify the missing insurance category for each family member in each family member list by using a preset full protection relationship table and each of the insurance policy data, and obtain a gap insurance category set corresponding to each of the family members;

[0045] A family policyholder identification determination module, used to identify the family policyholder identification of each family member list according to the direct relationship data of each policy member;

[0046] The insurance customer lead generation module is used to generate an insurance customer lead for each family policyholder identifier according to each of the gap insurance category sets and each of the family member relationship tables.

[0047] The present application also proposes a computer device, comprising a memory and a processor, wherein the memory stores a computer program, and the processor implements the steps of any one of the above methods when executing the computer program.

[0048] The present application also proposes a computer-readable storage medium on which a computer program is stored. When the computer program is executed by a processor, the steps of any of the above methods are implemented.

[0049] The present application discloses a method, device, equipment and storage medium for generating customer leads, wherein the method first extracts a family member list and a family member relationship table from the direct relationship data of policy members in the policy data, and then generates insurance customer leads including gap insurance categories for each family policyholder based on the family member list and the family member relationship table. Compared with existing insurance customer leads which only include the policyholder's own gap insurance information, the insurance customer leads of the present application include the family members that the family policyholder can insure and the gap insurance categories of each family member, thereby improving the comprehensiveness of the insurance customer leads, facilitating insurance agents to sell insurance based on the insurance customer leads, and facilitating improving customer transaction rates. BRIEF DESCRIPTION OF THE DRAWINGS

[0050] Figure 1 A schematic diagram of a flow chart of a method for generating customer leads according to an embodiment of the present application;

[0051] Figure 2 This is a schematic block diagram of the structure of a device for generating customer leads according to an embodiment of the present application;

[0052] Figure 3 A schematic block diagram of the structure of a computer device according to an embodiment of the present application.

[0053] The realization of the purpose, functional features and advantages of this application will be further explained in conjunction with embodiments and with reference to the accompanying drawings. DETAILED DESCRIPTION

[0054] In order to make the purpose, technical solution and advantages of the present application more clearly understood, the present application is further described in detail below in conjunction with the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are only used to explain the present application and are not used to limit the present application.

[0055] Reference Figure 1 In an embodiment of the present application, a method for generating customer leads is provided, the method comprising:

[0056] S1: Acquire multiple insurance policy data, and acquire policy member direct relationship data from each of the insurance policy data;

[0057] S2: Generate a family member list and a family member relationship table according to the direct relationship data of each policy member;

[0058] S3: using the preset full protection relationship table and each of the insurance policy data, identifying the missing insurance category for each family member in each of the family member lists, and obtaining a missing insurance category set corresponding to each of the family members;

[0059] S4: According to the direct relationship data of each policy member, identify the family policyholder of each family member list;

[0060] S5: Generate insurance customer leads for each family policyholder identifier according to each of the gap insurance category sets and each of the family member relationship tables.

[0061] This embodiment first extracts a family member list and a family member relationship table from the direct relationship data of the policy members in the insurance policy data, and then generates an insurance customer lead including a gap insurance category for each family policyholder based on the family member list and the family member relationship table. Compared with the existing insurance customer clues which only include the policyholder's own gap insurance information, the insurance customer clues of this application include the family members that the family policyholder can insure and the gap insurance category of each family member, thereby improving the comprehensiveness of the insurance customer clues, facilitating insurance agents to sell insurance based on the insurance customer clues, and helping to increase customer transaction rates.

[0062] For S1, multiple policy data input by the user can be obtained, multiple policy data can be obtained from the database, and multiple policy data sent by a third party can also be obtained.

[0063] Policy data is data that describes an established policy. The policy is a written proof of the insurance contract signed between the insurer and the policyholder. Policy data includes, but is not limited to: policy identification, policy policyholder identification, policy insured identification, policy beneficiary identification set, insurance category, insurance name, policy effective time, and policy expiration time. It is understandable that the policy beneficiary identification set may include 0 policy beneficiary identifications, 1 policy beneficiary identifications, or multiple policy beneficiary identifications. The policy policyholder identification is the user identification corresponding to the policyholder of the policy. The policy insured identification is the user identification corresponding to the insured of the policy. The policy beneficiary identification refers to the user identification corresponding to the beneficiary of the policy. The user identification is a user ID, such as an ID number, which is used to uniquely identify a user.

[0064] Policy member direct relationship data is the relationship data between policy members in a policy. The value range of policy members includes: policy policyholder, policy insured and policy beneficiary. Policy member direct relationship data is the relationship data consisting of policy policyholder, policy insured and policy beneficiary. For example, policy data includes: policy identifier BD1, policy policyholder identifier T1, policy insured identifier B1 and policy beneficiary identifier SY1. The policy member direct relationship data corresponding to the policy data is: T1-B1-SY1, which is not specifically limited in this example.

[0065] Based on the rule that insurance can only be purchased for direct relatives, the policyholder and the insured are direct relatives. That is to say, in the same policy data, the policyholder and the insured are direct relatives, the policyholder and the beneficiary can be direct relatives, and the policyholder and the beneficiary can also be non-direct relatives.

[0066] The scope of direct relatives includes spouse, parents (parents-in-law, parents-in-law), children and their spouses, grandparents, grandchildren and their spouses, great-grandparents, great-grandparents, and legal fictitious blood relations. Legal fictitious blood relations include: adoptive parents and adopted children, stepparents and stepchildren who are raised and educated by them.

[0067] For S2, indirect relationship mining is performed based on the direct relationship data of each policy member, and a family member list and a family member relationship table are generated based on each indirect relationship and the direct relationship data of each policy member.

[0068] The family member list includes: family ID and family member ID. The value range of family member ID includes: policy policyholder ID, policy insured ID and policy beneficiary ID. Family ID, also known as family ID, is used to uniquely identify a family.

[0069] The family member relationship table includes: family ID, family member ID of the first family member, family member ID of the second family member, and family relationship between the first family member and the second family member. The value range of family member ID includes: policy policyholder ID, policy insured ID, and policy beneficiary ID. The value range of family relationship includes: specific relationship corresponding to direct relatives (for example, father and son) and specific relationship corresponding to non-direct relatives (for example, elder brother).

[0070] For S3, each of the insurance policy data is used to identify the insurance categories purchased for each family member in each of the family member lists; based on the insurance categories purchased, the full protection relationship table is used to identify the missing insurance categories for each family member in each of the family member lists, and a set of missing insurance categories corresponding to each family member is obtained.

[0071] The full coverage relationship table includes: gender, age and full coverage insurance category set.

[0072] For S4, any one of the family member lists is taken as the target family member list; from the direct relationship data of each policy member, all the policy insured person identifiers corresponding to the target family member list are identified to obtain a set of policy insured person identifiers to be processed; the set of policy insured person identifiers to be processed is deduplicated to obtain a set of family policy insured person identifiers; each policy insured person identifier in the set of family policy insured person identifiers is identified as the family policy insured person identifier corresponding to the target family member list.

[0073] For S5, based on the regulation that insurance can only be purchased for immediate family members, the insurable objects corresponding to each family policyholder identification are determined according to each family member relationship table; insurance customer leads are generated for each family policyholder identification according to each gap insurance category set and each insurable object corresponding to each family policyholder identification.

[0074] Optionally, the insurance customer clues include: family identification, family policyholder identification, a set of insurable objects, and a set of gap insurance categories corresponding to each insurable object.

[0075] In one embodiment, the step of generating a family member list and a family member relationship table according to the direct relationship data of each policy member includes:

[0076] S21: generating a policy member direct relationship pair from each of the policy member direct relationship data;

[0077] S22: Perform reverse conversion on each of the policy-member direct relationship pairs to obtain policy-member reverse relationship pairs;

[0078] S23: generating a policy member indirect relationship pair by combining each of the policy member reverse relationship pairs and each of the policy member direct relationship pairs;

[0079] S24: Generate the family member list and the family member relationship table according to each of the policy member direct relationship pairs, each of the policy member reverse relationship pairs and each of the policy member indirect relationship pairs.

[0080] This embodiment first determines the direct relationship, then determines the reverse relationship based on the direct relationship, determines the indirect relationship based on the direct relationship and the reverse relationship, and finally determines the family member list and the family member relationship table based on the direct relationship, the reverse relationship and the indirect relationship, thereby fully exploring the relationships between policy members, which is beneficial to improving the accuracy of the family member list and the family member relationship table, and is beneficial to improving the comprehensiveness of insurance customer clues.

[0081] For S21, the policy member direct relationship pair includes: the member identifier of the first member, the member identifier of the second member and the direct relationship description.

[0082] For example, if the policy member direct relationship data is: T1-B1-SY1, then two policy member direct relationship pairs can be generated. The first policy member direct relationship pair is: T1 (that is, the member ID of the first member), B1 (that is, the member ID of the second member) and the couple, and the second policy member direct relationship pair is: B1, SY1 and the father and son.

[0083] For S22, each of the policy-member direct relationship pairs is reversely converted, and the converted relationship pairs are used as policy-member reverse relationship pairs.

[0084] For example, the direct relationship pair of the policy members is: T1, B1 and couple, then the reverse relationship pair of the policy members obtained after reverse conversion is: B1, T1 and couple.

[0085] For S23, the policy member indirect relationship pair includes: the member identifier of the first member, the member identifier of the second member, and the indirect relationship.

[0086] For example, the direct relationship pair of the first policy members is: T1, B1 and couple, and the direct relationship pair of the second policy members is: B1, SY1 and father and son, then the indirect relationship pair of the policy members can be obtained: T1, SY1 and indirect relationship.

[0087] For S24, the blood relationship between the policy members is mined for each direct relationship pair of the policy members, each reverse relationship pair of the policy members and each indirect relationship pair of the policy members, and the family member list and the family member relationship table are generated according to the blood relationship mining results.

[0088] It will be appreciated that each policy member may appear in one or more of the family member lists.

[0089] In one embodiment, the step of generating a policy member indirect relationship pair from each of the policy member reverse relationship pairs and each of the policy member direct relationship pairs includes:

[0090] S231: taking each of the policy member reverse relationship pairs and each of the policy member direct relationship pairs as an initial policy member relationship pair set, and duplicating the initial policy member relationship pair set to obtain a to-be-processed policy member relationship pair set;

[0091] S232: sequentially acquiring a policy-member relationship pair from the initial policy-member relationship pair set as a first policy-member relationship pair;

[0092] S233: taking each of the policy member relationship pairs in the to-be-processed policy member relationship pair set in which the member identifier of the first member is the same as the member identifier of the second member in the first policy member relationship pair as a second policy member relationship pair;

[0093] S234: generating a third policy-member relationship pair by combining the member identifier of the first member in the first policy-member relationship pair with the member identifier of the second member in each of the second policy-member relationship pairs, and using each of the third policy-member relationship pairs as the policy-member indirect relationship pair;

[0094] S235: Perform reverse conversion on each of the third policy-member relationship pairs to obtain fourth policy-member relationship pairs, and use each of the fourth policy-member relationship pairs as the policy-member indirect relationship pair;

[0095] S236: adding each of the third policy-member relationship pairs and each of the fourth policy-member relationship pairs to the set of policy-member relationship pairs to be processed, and performing deduplication processing on the set of policy-member relationship pairs to be processed;

[0096] S237: Repeat the step of determining the first policy-member relationship pair until each of the policy-member relationship pairs in the initial policy-member relationship pair set is obtained.

[0097] This embodiment conducts a round of indirect relationship mining on each of the policy member reverse relationship pairs and each of the policy member direct relationship pairs, which provides a basis for generating the family member list and the family member relationship table.

[0098] For S231, each of the policy-member reverse relationship pairs and each of the policy-member direct relationship pairs are combined, the combined set is used as the initial policy-member relationship pair set, a copy of the initial policy-member relationship pair set is made, and the copied set is used as the policy-member relationship pair set to be processed.

[0099] For S233, for example, the first policy member relationship pair ZJ1 is: T1, B1 and couple, and the policy member direct relationship pair ZJ2 in the pending policy member relationship pair set is: B1, SY2 and father and daughter. Since B1 (the member identifier of the first member of ZJ2) and B1 (the member identifier of the second member of ZJ1) are the same, ZJ2 is used as the second policy member relationship pair.

[0100] For S234, for example, the first policy member relationship pair ZJ1 is: T1, B1 and husband and wife, the second policy member relationship pair is B1, SY2 and father and daughter, and the third policy member relationship pair is: T1, SY2 and indirect relationship.

[0101] For S235, each of the third policy-member relationship pairs is reversely converted, and the converted relationship pairs are used as the fourth policy-member relationship pairs. Since the third policy-member relationship pairs are indirect relationships, the fourth policy-member relationship pairs are also used as the policy-member indirect relationship pairs.

[0102] For S236, each of the third policy-member relationship pairs and each of the fourth policy-member relationship pairs are added to the set of policy-member relationship pairs to be processed, and the set of policy-member relationship pairs to be processed is deduplicated, so that the policy-member relationship pairs in the set of policy-member relationship pairs to be processed are unique.

[0103] For S237, the step of determining the first policy-member relationship pair is repeated, that is, steps S232 to S237 are repeated until each of the policy-member relationship pairs in the initial policy-member relationship pair set is obtained. When each of the policy-member relationship pairs in the initial policy-member relationship pair set is obtained, one traversal of the initial policy-member relationship pair set is completed.

[0104] In one embodiment, the above-mentioned step of repeatedly performing the step of determining the first policy-member relationship pair until the step of acquiring each of the policy-member relationship pairs in the initial policy-member relationship pair set is completed further includes:

[0105] S238: Update the initial policy-member relationship pair set with the to-be-processed policy-member relationship pair set, and repeat the step of determining the first policy-member relationship pair until the number of acquisitions of the initial policy-member relationship pair set reaches a preset number.

[0106] This embodiment realizes updating the initial policy member relationship pair set with the processed policy member relationship pair set to be processed, and repeats steps S232 to S237 until the number of traversals of the initial policy member relationship pair set reaches a preset number, thereby fully mining the indirect relationships and providing a basis for accurately generating the family member list and the family member relationship table.

[0107] For S238, the preset number of times is an integer greater than 1.

[0108] Optionally, the preset number of times is set to 6.

[0109] In one embodiment, the step of using the preset full protection relationship table and each of the insurance policy data to identify the missing insurance category for each family member in each of the family member lists to obtain the missing insurance category set corresponding to each family member includes:

[0110] S31: searching for the purchased insurance category for each family member in each family member list from each of the insurance policy data to obtain a purchased insurance category set corresponding to each family member;

[0111] S32: searching the insurance category to be purchased for each family member in each family member list from the full insurance relationship table to obtain a set of insurance categories to be purchased corresponding to each family member;

[0112] S33: searching for each insurance category in the set of insurance categories to be purchased in the set of purchased insurance categories, and taking the insurance category for which the search fails as a missing insurance category;

[0113] S34: taking the gap insurance categories corresponding to the same family member as the gap insurance category set.

[0114] This embodiment identifies the missing insurance categories for each family member in each family member list based on the respective insurance policy data and the full coverage relationship table, thereby providing a basis for generating insurance customer leads containing missing insurance categories.

[0115] For S31, find out the policy data whose policy expiration time is greater than the current time from each of the policy data to obtain a valid policy data set; use the family member identifier corresponding to each family member in each of the family member lists to search for the purchased insurance categories from the valid policy data set, and use all the purchased insurance categories found for the same family member as the purchased insurance category set.

[0116] For S32, the basic information of each family member in each family member list is matched with the insurance category to be purchased from the full protection relationship table, and all the insurance categories to be purchased matched for the same family member are taken as the insurance category set to be purchased.

[0117] The basic information of the family members includes but is not limited to: name, gender, ID number, mobile phone number and home address.

[0118] For S33, each insurance category in the set of insurance categories to be purchased is searched in the set of purchased insurance categories. When the search fails, it means that the insurance category for which the search failed has not been purchased, so the insurance category for which the search failed is regarded as a missing insurance category; when the search is successful, it means that the insurance category for which the search succeeded has been purchased.

[0119] For S34, the gap insurance categories corresponding to the same family member are taken as the gap insurance category set, thereby determining the gap insurance category set for each family member.

[0120] In one embodiment, the step of generating an insurance customer lead for each family policyholder identifier according to each of the gap insurance category sets and each of the family member relationship tables comprises:

[0121] S51: Determine the insurable object corresponding to each family insured person identifier according to each family member relationship table;

[0122] S52: Acquire one of the family policyholder identifiers from each of the family policyholder identifiers as a target family policyholder identifier;

[0123] S53: Generate the insurance customer clue corresponding to the target family policyholder identification according to each of the insurable objects corresponding to the target family policyholder identification and each of the gap insurance category sets;

[0124] S54: Repeat the step of determining the target family policyholder identification until the insurance customer clues corresponding to each family policyholder identification are completed.

[0125] This embodiment first determines the insurable objects corresponding to each of the family policyholder identifications, and then generates insurance customer leads for each family policyholder identification based on each of the insurable objects and the set of gap insurance categories of the insurable objects, thereby generating insurance customer leads that include gap insurance categories, thereby improving the comprehensiveness of the insurance customer leads and facilitating improving the customer conversion rate.

[0126] For S51, the family member relationship table corresponding to the family policyholder identification is searched for family members whose relationship with the family policyholder identification is that of a direct relative as the insurable object corresponding to the family policyholder identification.

[0127] The insurable objects also include the family members corresponding to the family insured person identification, that is, the family insured person himself.

[0128] For S53, a preset second customer lead generation format is used to combine the insurable objects and the gap insurance category sets corresponding to the target family policyholder identification into customer leads, and the combined customer leads are used as the insurance customer leads corresponding to the target family policyholder identification.

[0129] For S54, the step of determining the target family policyholder identification is repeated, that is, steps S52 to S54 are repeated.

[0130] When the insurance customer clue corresponding to each family policyholder identification is completed, it means that the acquisition of the family policyholder identification in each family policyholder identification is completed.

[0131] In one embodiment, the step of generating the insurance customer lead corresponding to the target family policyholder identification according to each of the insurable objects and each of the gap insurance category sets corresponding to the target family policyholder identification includes:

[0132] S531: Acquire, from the customer database, the single-subject income data of each of the insurable subjects corresponding to the target family policyholder identifier;

[0133] S532: Adding the income data of each single object to obtain the family income data corresponding to the target family policyholder identifier;

[0134] S533: performing classification prediction of family type according to the family member list and the family member relationship table corresponding to the target family policyholder identifier, and obtaining the target family type corresponding to the target family policyholder identifier;

[0135] S534: according to the income data of each single subject, the family income data, each gap insurance category set and the target family type corresponding to the target family policyholder identifier, make insurance recommendations for each insurable subject corresponding to the target family policyholder identifier to obtain an insurance recommendation result;

[0136] S535: Using a preset customer lead generation format, customer leads are generated for each of the insurable objects, each of the gap insurance category sets, and each of the insurance recommendation results corresponding to the target family policyholder identifier, and the generated customer leads are used as the insurance customer leads corresponding to the target family policyholder identifier.

[0137] This embodiment implements insurance recommendations for each insurable object corresponding to the target family policyholder identification based on the single-object income data, the family income data, the gap insurance category sets and the target family type corresponding to the target family policyholder identification. By fully considering the income of the insurable object and the income of the family, it is helpful to improve the accuracy of insurance recommendations and improve the accuracy rate. In addition, the insurance recommendation results are also added to the insurance customer leads, which further improves the comprehensiveness of the insurance customer leads and improves the transaction rate of the insurance customer leads.

[0138] For S531, the family member identification corresponding to each insurable object corresponding to the target family policyholder identification is searched for the user identification in the customer database, and the annual income corresponding to the user identification found in the customer database is used as the single object income data corresponding to the insurable object.

[0139] For S532, the income data of each single object are added, and the added data is used as the family income data corresponding to the target family policyholder identifier.

[0140] For S533, the family member list and the family member relationship table corresponding to the target family policyholder identifier are input into a preset family type classification model to perform classification prediction of the family type, and obtain a classification prediction result vector; the family type corresponding to the vector element with the largest value in the classification prediction result vector is used as the target family type corresponding to the target family policyholder identifier.

[0141] The family type classification model is a multi-classifier.

[0142] For S534, any one of the insurable objects corresponding to the target family policyholder identifier is taken as the target insurable object; the single-object income data corresponding to the target insurable object is divided by the family income data corresponding to the target family policyholder identifier to obtain the single-object income ratio; insurance recommendations are made based on the basic information corresponding to the target insurable object, the target family type and the gap insurance category set to obtain a recommended insurance identifier set corresponding to the target insurable object; using a preset insurance amount allocation rule, according to the single-object income ratio and the single-object income data corresponding to the target insurable object, insurance amounts are recommended for each insurance identifier in the recommended insurance identifier set to obtain a target insurance amount corresponding to each insurance identifier; the recommended insurance identifier set and each target insurance amount corresponding to the recommended insurance identifier set are taken as the insurance recommendation result corresponding to the target insurable object.

[0143] The basic information corresponding to the target insurable person includes but is not limited to: name, gender, ID number, mobile phone number, occupation category, physical condition, medical history and home address.

[0144] The step of making insurance recommendations based on the basic information corresponding to the target insurable object, the target family type and the gap insurance category set to obtain the recommended insurance identification set corresponding to the target insurable object includes: inputting the basic information corresponding to the target insurable object, the target family type and the gap insurance category set into a preset insurance classification prediction model to perform insurance classification prediction to obtain a classification prediction vector, and taking each insurance identification corresponding to the vector element whose value in the classification prediction vector is greater than a preset value as the recommended insurance identification set.

[0145] The insurance classification prediction model is a multi-classifier.

[0146] For S535, a preset customer lead generation format is used to combine the insurable objects, the gap insurance category sets and the insurance recommendation results corresponding to the target family policyholder identification into customer leads, and the combined customer leads are used as the insurance customer leads corresponding to the target family policyholder identification.

[0147] Optionally, the insurance customer clues include: family identification, family policyholder identification, a set of insurable objects, a set of gap insurance categories corresponding to each insurable object, and an insurance recommendation result corresponding to each insurable object.

[0148] Reference Figure 2 The present application also proposes a device for generating customer leads, the device comprising:

[0149] The insurance policy data acquisition module 100 is used to acquire multiple insurance policy data and acquire the policy member direct relationship data from each of the insurance policy data;

[0150] A family member list and family member relationship table determination module 200 is used to generate a family member list and a family member relationship table according to the direct relationship data of each policy member;

[0151] The gap insurance category set determination module 300 is used to identify the missing insurance category for each family member in each family member list by using the preset full protection relationship table and each of the insurance policy data, and obtain the gap insurance category set corresponding to each family member;

[0152] A family policyholder identification determination module 400 is used to identify the family policyholder identification of each family member list according to the direct relationship data of each policy member;

[0153] The insurance customer lead generation module 500 is used to generate an insurance customer lead for each family policyholder identifier according to each of the gap insurance category sets and each of the family member relationship tables.

[0154] This embodiment first extracts a family member list and a family member relationship table from the direct relationship data of the policy members in the insurance policy data, and then generates an insurance customer lead including a gap insurance category for each family policyholder based on the family member list and the family member relationship table. Compared with the existing insurance customer clues which only include the policyholder's own gap insurance information, the insurance customer clues of this application include the family members that the family policyholder can insure and the gap insurance category of each family member, thereby improving the comprehensiveness of the insurance customer clues, facilitating insurance agents to sell insurance based on the insurance customer clues, and helping to increase customer transaction rates.

[0155] Reference Figure 3 In an embodiment of the present application, a computer device is also provided. The computer device may be a server, and its internal structure may be as follows: Figure 3As shown. The computer device includes a processor, a memory, a network interface and a database connected through a system bus. Among them, the processor designed by the computer is used to provide computing and control capabilities. The memory of the computer device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system, a computer program and a database. The memory provides an environment for the operation of the operating system and the computer program in the non-volatile storage medium. The database of the computer device is used to store data such as a method for generating customer leads. The network interface of the computer device is used to communicate with an external terminal through a network connection. When the computer program is executed by the processor, a method for generating customer leads is implemented. The method for generating customer leads includes: obtaining a plurality of insurance policy data, and obtaining policy member direct relationship data from each of the insurance policy data; generating a family member list and a family member relationship table according to the direct relationship data of each of the insurance policy members; using a preset full protection relationship table and each of the insurance policy data, identifying the missing insurance category for each family member in each of the family member lists, and obtaining a set of missing insurance categories corresponding to each of the family members; identifying the family policyholder identification for each of the family member lists according to the direct relationship data of each of the insurance policy members; and generating an insurance customer lead for each of the family policyholder identifications according to each of the missing insurance category sets and each of the family member relationship tables.

[0156] This embodiment first extracts a family member list and a family member relationship table from the direct relationship data of the policy members in the insurance policy data, and then generates an insurance customer lead including a gap insurance category for each family policyholder based on the family member list and the family member relationship table. Compared with the existing insurance customer clues which only include the policyholder's own gap insurance information, the insurance customer clues of this application include the family members that the family policyholder can insure and the gap insurance category of each family member, thereby improving the comprehensiveness of the insurance customer clues, facilitating insurance agents to sell insurance based on the insurance customer clues, and helping to increase customer transaction rates.

[0157] An embodiment of the present application also provides a computer-readable storage medium having a computer program stored thereon. When the computer program is executed by a processor, a method for generating customer leads is implemented, comprising the steps of: obtaining a plurality of insurance policy data, and obtaining policy member direct relationship data from each of the insurance policy data; generating a family member list and a family member relationship table according to the direct relationship data of each of the insurance policy members; using a preset full protection relationship table and each of the insurance policy data, identifying the missing insurance category for each family member in each of the family member lists, and obtaining a set of missing insurance categories corresponding to each of the family members; identifying a family policyholder identifier for each of the family member lists according to the direct relationship data of each of the insurance policy members; and generating an insurance customer lead for each of the family policyholder identifiers according to each of the missing insurance category sets and each of the family member relationship tables.

[0158] The above-mentioned method for generating customer leads first extracts a family member list and a family member relationship table from the direct relationship data of policy members in the policy data, and then generates insurance customer leads including gap insurance categories for each family policyholder based on the family member list and the family member relationship table. Compared with the existing insurance customer clues which only include the policyholder's own gap insurance information, the insurance customer clues of the present application include the family members that the family policyholder can insure and the gap insurance category of each family member, thereby improving the comprehensiveness of the insurance customer clues, facilitating insurance agents to sell insurance based on the insurance customer clues, and helping to increase customer transaction rates.

[0159] Those of ordinary skill in the art can understand that all or part of the processes in the above-mentioned embodiment methods can be completed by instructing the relevant hardware through a computer program, and the computer program can be stored in a non-volatile computer-readable storage medium. When the computer program is executed, it can include the processes of the embodiments of the above-mentioned methods. Among them, any reference to memory, storage, database or other media provided in this application and used in the embodiments may include non-volatile and / or volatile memory. Non-volatile memory may include read-only memory (ROM), programmable ROM (PROM), electrically programmable ROM (EPROM), electrically erasable programmable ROM (EEPROM) or flash memory. Volatile memory may include random access memory (RAM) or external cache memory. By way of illustration and not limitation, RAM is available in many forms, such as static RAM (SRAM), dynamic RAM (DRAM), synchronous DRAM (SDRAM), double data rate SDRAM (SSRSDRAM), enhanced SDRAM (ESDRAM), synchronous link (Synchlink) DRAM (SLDRAM), memory bus (Rambus) direct RAM (RDRAM), direct memory bus dynamic RAM (DRDRAM), and memory bus dynamic RAM (RDRAM), etc.

[0160] It should be noted that, in this article, the terms "include", "comprises" or any other variations thereof are intended to cover non-exclusive inclusion, so that a process, device, article or method including a series of elements includes not only those elements, but also other elements not explicitly listed, or also includes elements inherent to such process, device, article or method. In the absence of further restrictions, an element defined by the sentence "includes a ..." does not exclude the existence of other identical elements in the process, device, article or method including the element.

[0161] The above description is only a preferred embodiment of the present application, and does not limit the patent scope of the present application. Any equivalent structure or equivalent process transformation made using the contents of the present application specification and drawings, or directly or indirectly applied in other related technical fields, are also included in the patent protection scope of the present application.

Claims

1. A method for generating customer leads, characterized in that: The method comprises: Acquire multiple insurance policy data, and acquire policy member direct relationship data from each of the insurance policy data; Generate a family member list and a family member relationship table according to the direct relationship data of each policy member; Using the preset full protection relationship table and each of the insurance policy data, identify the missing insurance category for each family member in each of the family member lists to obtain a missing insurance category set corresponding to each of the family members; According to the direct relationship data of each of the policy members, identifying the family policyholder identification for each of the family member lists; Generate an insurance customer lead for each family policyholder identifier according to each of the gap insurance category sets and each of the family member relationship tables; The step of generating a family member list and a family member relationship table according to the direct relationship data of each policy member includes: Generate a policy member direct relationship pair from each of the policy member direct relationship data; Reversely transform each of the policy-member direct relationship pairs to obtain policy-member reverse relationship pairs; Generate a policy member indirect relationship pair by combining each of the policy member inverse relationship pairs and each of the policy member direct relationship pairs; Generate the family member list and the family member relationship table according to each of the policy member direct relationship pairs, each of the policy member reverse relationship pairs and each of the policy member indirect relationship pairs; The step of generating a policy member indirect relationship pair from each of the policy member reverse relationship pairs and each of the policy member direct relationship pairs comprises: Taking each of the policy member reverse relationship pairs and each of the policy member direct relationship pairs as an initial policy member relationship pair set, and duplicating the initial policy member relationship pair set to obtain a to-be-processed policy member relationship pair set; sequentially acquiring a policy-member relationship pair from the initial policy-member relationship pair set as a first policy-member relationship pair; In the set of the to-be-processed policy-member relationship pairs, each of the policy-member relationship pairs in which the member identifier of the first member is the same as the member identifier of the second member in the first policy-member relationship pair is taken as a second policy-member relationship pair; Generate a third policy-member relationship pair by combining the member identifier of the first member in the first policy-member relationship pair with the member identifier of the second member in each of the second policy-member relationship pairs, and use each of the third policy-member relationship pairs as the policy-member indirect relationship pair; Reversely transform each of the third policy-member relationship pairs to obtain fourth policy-member relationship pairs, and use each of the fourth policy-member relationship pairs as the policy-member indirect relationship pair; Adding each of the third policy-member relationship pairs and each of the fourth policy-member relationship pairs to the set of policy-member relationship pairs to be processed, and performing deduplication processing on the set of policy-member relationship pairs to be processed; The step of determining the first policy-member relationship pair is repeated until each of the policy-member relationship pairs in the initial policy-member relationship pair set is obtained.

2. The method for generating customer leads according to claim 1, characterized in that: The step of repeatedly performing the step of determining the first policy-member relationship pair until the step of acquiring each of the policy-member relationship pairs in the initial policy-member relationship pair set is completed further includes: The set of pending policy-member relationship pairs is used to update the initial set of policy-member relationship pairs, and the step of determining the first policy-member relationship pair is repeated until the number of acquisitions of the initial set of policy-member relationship pairs reaches a preset number.

3. The method for generating customer leads according to claim 1, characterized in that: The step of using the preset full protection relationship table and each of the insurance policy data to identify the missing insurance category for each family member in each of the family member lists to obtain the missing insurance category set corresponding to each family member includes: From each of the insurance policy data, searching for the purchased insurance category for each of the family members in each of the family member lists to obtain a purchased insurance category set corresponding to each of the family members; From the full protection relationship table, searching for the insurance category to be purchased for each family member in each family member list, to obtain a set of insurance categories to be purchased corresponding to each family member; For each of the insurance categories in the set of insurance categories to be purchased, search for the insurance category in the set of purchased insurance categories, and use the insurance category for which the search fails as a missing insurance category; The gap insurance categories corresponding to the same family member are taken as the gap insurance category set.

4. The method for generating customer leads according to claim 1, characterized in that: The step of generating an insurance customer lead for each family policyholder identifier according to each of the gap insurance category sets and each of the family member relationship tables comprises: Determine the insurable object corresponding to each family insured person identifier according to each family member relationship table; Acquire one of the family policyholder identifiers from each of the family policyholder identifiers as a target family policyholder identifier; Generate the insurance customer clue corresponding to the target family policyholder identification according to each of the insurable objects and each of the gap insurance category sets corresponding to the target family policyholder identification; The step of determining the target family policyholder identification is repeated until the insurance customer leads corresponding to each family policyholder identification are completed.

5. The method for generating customer leads according to claim 4, characterized in that: The step of generating the insurance customer clue corresponding to the target family policyholder identification according to each of the insurable objects and each of the gap insurance category sets corresponding to the target family policyholder identification comprises: Acquire, from the customer database, the single-subject income data of each of the insurable subjects corresponding to the target family policyholder identifier; Adding the income data of each single object to obtain the family income data corresponding to the target family policyholder identifier; Perform classification prediction of family type according to the family member list and the family member relationship table corresponding to the target family policyholder identifier, and obtain the target family type corresponding to the target family policyholder identifier; According to the income data of each single subject, the family income data, each gap insurance category set and the target family type corresponding to the target family policyholder identifier, insurance recommendation is made for each insurable subject corresponding to the target family policyholder identifier to obtain an insurance recommendation result; A preset customer lead generation format is used to generate customer leads for each of the insurable objects, each of the gap insurance category sets and each of the insurance recommendation results corresponding to the target family policyholder identification, and the generated customer leads are used as the insurance customer leads corresponding to the target family policyholder identification.

6. A device for generating customer leads, characterized in that: For implementing the method for generating customer leads according to any one of claims 1 to 5, the device comprises: The insurance policy data acquisition module is used to acquire multiple insurance policy data and acquire the policy member direct relationship data from each of the insurance policy data; A family member list and family member relationship table determination module, used to generate a family member list and a family member relationship table according to the direct relationship data of each policy member; A gap insurance category set determination module is used to identify the missing insurance category for each family member in each family member list by using a preset full protection relationship table and each of the insurance policy data, and obtain a gap insurance category set corresponding to each of the family members; A family policyholder identification determination module, used to identify the family policyholder identification of each family member list according to the direct relationship data of each policy member; The insurance customer lead generation module is used to generate an insurance customer lead for each family policyholder identifier according to each of the gap insurance category sets and each of the family member relationship tables.

7. A computer device comprising a memory and a processor, wherein the memory stores a computer program, characterized in that: When the processor executes the computer program, the steps of the method according to any one of claims 1 to 5 are implemented.

8. A computer-readable storage medium having a computer program stored thereon, characterized in that: When the computer program is executed by a processor, the steps of the method according to any one of claims 1 to 5 are implemented.

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