Method, device, equipment and storage medium for generating insurance proposal

Abstract

The present application relates to the field of artificial intelligence technology, and discloses a method, device, equipment and storage medium for generating an insurance proposal, wherein the method includes: obtaining insurance customer information and a target primary insurance identifier corresponding to the insurance customer information; obtaining a candidate supplementary insurance identifier set from preset primary and supplementary insurance matching data according to the insurance customer information and the target primary insurance identifier; obtaining the insurance configuration data input by the user according to the target primary insurance identifier and the candidate supplementary insurance identifier set; calculating the benefit data according to the insurance customer information and the insurance configuration data; calling a preset rule engine, generating an insurance proposal according to a preset template file library, a preset rule file library, primary and supplementary insurance matching data, benefit data, insurance configuration data and insurance customer information, and obtaining a target insurance proposal. No code modification or development is required, which shortens the update time of insurance products and improves the accuracy of insurance proposals.

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 an insurance proposal. Background Art

[0002] The insurance proposal is to analyze the insurance market, design insurance plans, and propose operation procedures from the perspective of project status and actual and potential needs of customers, and provide professional insurance advice to customers in written form and in easy-to-understand language. The existing technology uses a preset insurance proposal template to generate insurance proposals. The insurance proposal template is generated by the developer's code development, and an insurance proposal template needs to be built for each main insurance product. When the main insurance or supplementary insurance changes, the developer needs to modify the code for the insurance proposal template, which prolongs the update time of the insurance product and is prone to omissions, resulting in reduced accuracy of the insurance proposal. Summary of the invention

[0003] The main purpose of this application is to provide a method, device, equipment and storage medium for generating an insurance proposal, aiming to solve the problem that the prior art requires building an insurance proposal template for each main insurance product. The insurance proposal template is generated by developer code, which prolongs the update time of the insurance product and is prone to omissions, thereby reducing the technical problems of the insurance proposal.

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

[0005] Acquire insurance customer information and a target primary insurance identifier corresponding to the insurance customer information;

[0006] According to the insurance customer information and the target primary insurance identifier, a candidate supplementary insurance identifier set is obtained from preset primary and supplementary insurance matching data;

[0007] Acquiring insurance configuration data input by a user according to the target primary insurance identifier and the candidate supplementary insurance identifier set;

[0008] Calculating benefit data based on the insurance customer information and the insurance configuration data;

[0009] The preset rule engine is called to generate an insurance proposal based on the preset template file library, the preset rule file library, the main and supplementary insurance matching data, the benefit data, the insurance configuration data and the insurance customer information to obtain a target insurance proposal.

[0010] Furthermore, before the step of acquiring a candidate supplementary insurance identification set from preset primary and supplementary insurance matching data according to the insurance customer information and the target primary insurance identification, the method further includes:

[0011] Obtaining a product configuration request through the rule engine;

[0012] Responding to the product configuration request through the rule engine and displaying a product configuration interface;

[0013] By means of the rule engine, in the product configuration interface, product configuration data input by the user is obtained according to the template file library, wherein the product configuration data includes: one or more of configuration data corresponding to the primary insurance and the supplementary insurance and configuration data of the template file selection rule;

[0014] When the product configuration data includes the configuration data corresponding to the primary insurance and the supplementary insurance, updating the primary and supplementary insurance matching data according to the configuration data corresponding to the primary insurance and the supplementary insurance in the product configuration data;

[0015] When the product configuration data includes the template file selection rule configuration data, the rule file library is updated according to the template file selection rule configuration data in the product configuration data.

[0016] Furthermore, the step of acquiring the insurance configuration data input by the user according to the target primary insurance identifier and the candidate supplementary insurance identifier set includes:

[0017] The target primary insurance identifier and the candidate supplementary insurance identifier set are sent to the client, and the insurance configuration data sent by the client according to the target primary insurance identifier and the candidate supplementary insurance identifier set are obtained, wherein the client is used to:

[0018] Displaying an insurance configuration page according to the target primary insurance identifier and the candidate supplementary insurance identifier set;

[0019] The supplementary insurance configuration data and the main insurance configuration data input by the user are acquired according to the insurance configuration page, and the insurance configuration data is generated according to the supplementary insurance configuration data and the main insurance configuration data in the insurance configuration page.

[0020] Furthermore, the step of obtaining the insurance configuration data sent by the client according to the target primary insurance identifier and the candidate supplementary insurance identifier set includes:

[0021] Obtaining a fee calculation request sent by the client;

[0022] Generate an initial insurance fee according to the supplementary insurance configuration data and the main insurance configuration data carried in the fee calculation request;

[0023] sending the initial insurance fee to the client;

[0024] Acquire the insurance configuration data sent by the client according to the target primary insurance identifier and the candidate supplementary insurance identifier set;

[0025] The step of obtaining the supplementary insurance configuration data and the main insurance configuration data input by the user according to the insurance configuration page, and generating the insurance configuration data according to the supplementary insurance configuration data and the main insurance configuration data in the insurance configuration page, comprises:

[0026] Acquiring the supplementary insurance configuration data and the main insurance configuration data input by the user according to the insurance configuration page;

[0027] Sending the fee calculation request according to the supplementary insurance configuration data and the main insurance configuration data in the insurance configuration page;

[0028] Obtaining an initial insurance fee corresponding to the fee calculation request;

[0029] Update the insurance configuration page according to the initial insurance fee;

[0030] Repeat the step of obtaining the supplementary insurance configuration data and the main insurance configuration data input by the user according to the insurance configuration page until a configuration submission request input by the user is obtained;

[0031] In response to the configuration submission request, the insurance configuration data is generated according to the supplementary insurance configuration data, the main insurance configuration data and the initial insurance fee in the insurance configuration page.

[0032] Further, the step of calling a preset rule engine to generate an insurance proposal according to a preset template file library, a preset rule file library, the primary and supplementary insurance matching data, the benefit data, the insurance configuration data and the insurance customer information to obtain a target insurance proposal includes:

[0033] Acquire a target rule file identification set corresponding to the insurance configuration data from the primary and supplementary insurance collocation data;

[0034] According to each rule identifier in the target rule file identifier set, respectively obtain rule files from the rule file library to obtain a rule file set;

[0035] Generate a proposal framework file according to the rule file set and the template file library;

[0036] According to the benefit data, the insurance configuration data and the insurance customer information, the content of each replacement position in the proposal framework file is replaced to obtain the target insurance proposal.

[0037] Furthermore, after the step of calling a preset rule engine to generate an insurance proposal based on a preset template file library, a preset rule file library, the primary and supplementary insurance matching data, the benefit data, the insurance configuration data and the insurance customer information to obtain a target insurance proposal, the step further includes:

[0038] Obtaining a proposal confirmation signal sent by the client according to the target insurance proposal;

[0039] In response to the proposal confirmation signal, a preset PDF document generation rule is used to generate a PDF document according to the target insurance proposal to obtain an insurance proposal PDF document;

[0040] Get file download configuration data;

[0041] The insurance proposal PDF document is sent according to the file download configuration data.

[0042] Furthermore, the step of obtaining a proposal confirmation signal sent by the client according to the target insurance proposal includes:

[0043] Sending the target insurance proposal to the client, and obtaining a proposal confirmation signal sent by the client, wherein the client is further used to:

[0044] Using a preset preview page generation rule, generating an insurance proposal preview page according to the target insurance proposal;

[0045] Acquire, according to the insurance proposal preview page, a proposal update request input by the user;

[0046] In response to the proposal update request, the insurance configuration data is used as initial configuration data;

[0047] Acquire the insurance configuration data input by the user according to the initial configuration data;

[0048] Obtaining the updated target insurance proposal according to the insurance configuration data;

[0049] Adopting the preview page generation rule, updating the insurance proposal preview page according to the updated target insurance proposal;

[0050] The step of obtaining the insurance proposal update request input by the user according to the insurance proposal preview page is repeatedly performed until the insurance proposal confirmation signal sent by the user is obtained.

[0051] The present application also proposes a device for generating an insurance proposal, the device comprising:

[0052] A data acquisition module, used to acquire insurance customer information and a target primary insurance identifier corresponding to the insurance customer information;

[0053] A candidate supplementary insurance identification set acquisition module is used to acquire a candidate supplementary insurance identification set from preset primary and supplementary insurance matching data according to the insurance customer information and the target primary insurance identification;

[0054] An insurance configuration data acquisition module, used to acquire the insurance configuration data input by the user according to the target primary insurance identifier and the candidate supplementary insurance identifier set;

[0055] A benefit data determination module, used for calculating benefit data according to the insurance customer information and the insurance configuration data;

[0056] The target insurance proposal determination module is used to call a preset rule engine to generate an insurance proposal based on a preset template file library, a preset rule file library, the primary and supplementary insurance matching data, the benefit data, the insurance configuration data and the insurance customer information to obtain a target insurance proposal.

[0057] 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.

[0058] 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.

[0059] The method, device, equipment and storage medium for generating an insurance proposal of the present application, wherein the method obtains a candidate supplementary insurance identification set from the preset primary and supplementary insurance matching data according to the insurance customer information and the target primary insurance identification; obtains the insurance configuration data input by the user according to the target primary insurance identification and the candidate supplementary insurance identification set; calculates the benefit data according to the insurance customer information and the insurance configuration data; calls a preset rule engine, generates an insurance proposal according to a preset template file library, a preset rule file library, the primary and supplementary insurance matching data, the benefit data, the insurance configuration data and the insurance customer information, and obtains the target insurance proposal. The template file is obtained by real-time parsing of the rule file to splice the insurance proposal. When the primary or supplementary insurance changes, only the primary and supplementary insurance matching data, the template file in the template file library and the rule file in the rule file library need to be modified to generate the insurance proposal after the primary or supplementary insurance changes. There is no need to modify or develop the code, which shortens the update time of the insurance product and improves the accuracy of the insurance proposal. BRIEF DESCRIPTION OF THE DRAWINGS

[0060] Figure 1A flowchart of a method for generating an insurance proposal according to an embodiment of the present application;

[0061] Figure 2 This is a schematic block diagram of the structure of a device for generating an insurance proposal according to an embodiment of the present application;

[0062] Figure 3 A schematic block diagram of the structure of a computer device according to an embodiment of the present application.

[0063] 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

[0064] 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.

[0065] Reference Figure 1 In an embodiment of the present application, a method for generating an insurance proposal is provided, the method comprising:

[0066] S1: Obtain insurance customer information and a target primary insurance identifier corresponding to the insurance customer information;

[0067] S2: acquiring a candidate supplementary insurance identifier set from preset primary and supplementary insurance matching data according to the insurance customer information and the target primary insurance identifier;

[0068] S3: acquiring the insurance configuration data input by the user according to the target primary insurance identifier and the candidate supplementary insurance identifier set;

[0069] S4: Calculating benefit data according to the insurance customer information and the insurance configuration data;

[0070] S5: Calling a preset rule engine to generate an insurance proposal based on a preset template file library, a preset rule file library, the primary and supplementary insurance matching data, the benefit data, the insurance configuration data and the insurance customer information to obtain a target insurance proposal.

[0071] This embodiment obtains template files by real-time parsing of rule files to splice insurance proposals. When the main insurance or supplementary insurance changes, it is only necessary to modify the main and supplementary insurance matching data, the template files in the template file library, and the rule files in the rule file library to generate the insurance proposal after the main insurance or supplementary insurance changes. There is no need to modify or develop code, which shortens the update time of insurance products and improves the accuracy of insurance proposals.

[0072] For S1, the insurance customer information and the target primary insurance identifier corresponding to the insurance customer information sent by the client can be obtained, the insurance customer information and the target primary insurance identifier corresponding to the insurance customer information sent by a third-party application system can be obtained, and the insurance customer information and the target primary insurance identifier corresponding to the insurance customer information can also be entered by the user in the interface of the program file that implements this application.

[0073] Insurance customer information includes: policyholder information and insured person information. Policyholder information includes but is not limited to: policyholder identification, name, gender, date of birth, ID number, telephone number, home address, and occupation. Insured person information includes: insured person identification, name, gender, date of birth, ID number, telephone number, home address, and occupation. Policyholder identification and insured person identification are both customer identification. Customer identification can be data that uniquely identifies a customer, such as customer ID and ID number.

[0074] It is understandable that when the insured insures himself, the insured information and the insured person information are the same.

[0075] The target primary insurance identifier is the primary insurance identifier of the primary insurance required or recommended by the customer corresponding to the insured identifier in the insurance customer information. The primary insurance identifier can be data that uniquely identifies a primary insurance, such as an insurance ID and an insurance name.

[0076] The client includes: a terminal of a mobile electronic device, a web page of a mobile electronic device, a terminal of a personal computer, and a web page of a personal computer.

[0077] For S2, according to the target main insurance identifier, a supplementary insurance identifier set is obtained from the main and supplementary insurance combination data, and each obtained supplementary insurance identifier set is used as an initial supplementary insurance identifier set; according to the insurance customer information, the initial supplementary insurance identifier set is screened for supplementary insurance identifiers of purchasable supplementary insurances, and each screened supplementary insurance identifier is used as a candidate supplementary insurance identifier set.

[0078] The data of the combination of main and supplementary insurances include: the main insurance identification, the supplementary insurance identification set, the purchase conditions of each supplementary insurance identification in the supplementary insurance identification set, and the rule file identification set corresponding to each insurance identification. The purchase conditions include but are not limited to: age conditions and occupation conditions. The supplementary insurance identification can be data that uniquely identifies a supplementary insurance, such as the supplementary insurance name and supplementary insurance ID. The rule file identification set includes one or more rule file identifications. The rule file identification is data that uniquely identifies a rule file, such as the rule file name and rule file ID. The insurance identification can be a main insurance identification or a supplementary insurance identification.

[0079] For example, the purchase condition of supplementary insurance C1 is to purchase social insurance. When the social insurance purchase status in the insured information of the insurance customer information is yes, supplementary insurance C1 is a supplementary insurance identifier of the supplementary insurance that can be purchased. When the social insurance purchase status in the insured information of the insurance customer information is no, supplementary insurance C1 is not a supplementary insurance identifier of the supplementary insurance that can be purchased.

[0080] For S3, based on the target primary insurance identifier and the candidate supplementary insurance identifier set, the insurance configuration data input by the user in the interface displayed by the program implementing the present application is obtained.

[0081] Optionally, the target primary insurance identifier and the candidate supplementary insurance identifier set are sent to the client, and insurance configuration data sent by the client according to the target primary insurance identifier and the candidate supplementary insurance identifier set is obtained.

[0082] The insurance configuration data includes: main insurance configuration data and supplementary insurance configuration data. The main insurance configuration data includes but is not limited to: main insurance identification and insurance amount plan value. The supplementary insurance configuration data includes but is not limited to: supplementary insurance identification and insurance amount plan value. The insurance amount plan value is the planned value of the insurance amount.

[0083] For S4, the benefit data is calculated using a preset benefit data calculation rule according to the insurance customer information and the insurance configuration data.

[0084] The benefit data includes but is not limited to: policy year, accumulated premium, insurance money of the main insurance, insurance money of each supplementary insurance and cash value.

[0085] For S5, the preset rule engine is called to extract rule files, parse rule files, splice proposal framework files, and replace proposal framework files according to the preset template file library, the preset rule file library, the main and supplementary insurance combination data, the benefit data, the insurance configuration data, and the insurance customer information, and the replaced proposal framework file is used as the target insurance proposal corresponding to the insurance configuration data and the insurance customer information.

[0086] The template file library includes: template identification and template file. The template file is a template of part of the content of the insurance proposal. The template identification can be data that uniquely identifies a template file, such as a template name and a template ID.

[0087] The rule file library includes: rule identifiers and rule files. A rule file is a file that references a template file and / or splices template files through a template identifier.

[0088] The rule files include but are not limited to: product responsibility tree matching rule files, benefit data display rule files and proposal splicing rule files. The product responsibility tree matching rule files are used to refer to the rules of the template files corresponding to product responsibility. The benefit data display rule files are the rules for displaying benefit data. The proposal splicing rule files are the rules for splicing various template files into proposals.

[0089] In one embodiment, before the step of acquiring a candidate supplementary insurance identifier set from preset primary and supplementary insurance matching data according to the insurance customer information and the target primary insurance identifier, the method further includes:

[0090] S21: Obtaining a product configuration request through the rule engine;

[0091] S22: responding to the product configuration request through the rule engine and displaying a product configuration interface;

[0092] S23: obtaining, through the rule engine, product configuration data input by the user in the product configuration interface according to the template file library, wherein the product configuration data includes: one or more of configuration data corresponding to the primary insurance and the supplementary insurance and configuration data of the template file selection rule;

[0093] S24: When the product configuration data includes the configuration data corresponding to the primary insurance and the supplementary insurance, updating the primary and supplementary insurance matching data according to the configuration data corresponding to the primary insurance and the supplementary insurance in the product configuration data;

[0094] S25: When the product configuration data includes the template file selection rule configuration data, update the rule file library according to the template file selection rule configuration data in the product configuration data.

[0095] This embodiment obtains product configuration data input by the user through the rule engine, updates the main and supplementary insurance matching data and / or the rule file library according to the product configuration data, and provides a basis for real-time parsing of rule files to obtain template files for splicing insurance proposals.

[0096] For S21, the configuration module of the rule engine can obtain the product configuration request input by the user, and can also obtain the product configuration request sent by a third-party application.

[0097] A product configuration request is a request to configure the rules of an insurance product.

[0098] For S22, the rule engine responds to the product configuration request and displays the product configuration interface using a preset product configuration interface display rule.

[0099] For S23, through the rule engine, in the product configuration interface, the user configures according to the template file library, and clicks the Submit button after input is completed; when the Submit button is clicked, the product configuration data will be generated according to the data in the product configuration interface.

[0100] For S24, when the product configuration data includes the corresponding configuration data of the main insurance and the supplementary insurance, it means that the combination of the main insurance and the supplementary insurance has been updated. Therefore, according to the corresponding configuration data of the main insurance and the supplementary insurance in the product configuration data, the main and supplementary insurance combination data is replaced and updated.

[0101] For S25, when the product configuration data includes the template file selection rule configuration data, it means that the combination of the template file and the rule file is updated. Therefore, the rule file library is replaced and updated according to the template file selection rule configuration data in the product configuration data.

[0102] In one embodiment, the step of acquiring the insurance configuration data input by the user according to the target primary insurance identifier and the candidate supplementary insurance identifier set includes:

[0103] The target primary insurance identifier and the candidate supplementary insurance identifier set are sent to the client, and the insurance configuration data sent by the client according to the target primary insurance identifier and the candidate supplementary insurance identifier set are obtained, wherein the client is used to:

[0104] S31: Displaying an insurance configuration page according to the target primary insurance identifier and the candidate supplementary insurance identifier set;

[0105] S32: Acquire the supplementary insurance configuration data and the main insurance configuration data input by the user according to the insurance configuration page, and generate the insurance configuration data according to the supplementary insurance configuration data and the main insurance configuration data in the insurance configuration page.

[0106] This embodiment displays the insurance configuration page through the client, and obtains the supplementary insurance configuration data and the main insurance configuration data input by the user according to the insurance configuration page, thereby realizing the visual input of the insurance configuration data and improving the configuration efficiency of the insurance configuration data.

[0107] For S31, the insurance configuration page display is performed using a preset insurance configuration page display rule according to the target primary insurance identifier and the candidate supplementary insurance identifier set.

[0108] For S32, the user enters the configuration of the target primary insurance identifier and the configuration of the candidate supplementary insurance identifier set in the insurance configuration page according to the displayed target primary insurance identifier and the candidate supplementary insurance identifier set, and clicks the configuration button after the input is completed; when the configuration button is clicked, the primary insurance configuration data will be generated according to the configuration of the target primary insurance identifier in the insurance configuration page, and the supplementary insurance configuration data will be generated according to the configuration of the candidate supplementary insurance identifier set in the insurance configuration page, and the supplementary insurance configuration data and the main insurance configuration data will be used as the insurance configuration data.

[0109] In one embodiment, the step of obtaining the insurance configuration data sent by the client according to the target primary insurance identifier and the candidate supplementary insurance identifier set includes:

[0110] Obtaining a fee calculation request sent by the client;

[0111] Generate an initial insurance fee according to the supplementary insurance configuration data and the main insurance configuration data carried in the fee calculation request;

[0112] sending the initial insurance fee to the client;

[0113] Acquire the insurance configuration data sent by the client according to the target primary insurance identifier and the candidate supplementary insurance identifier set;

[0114] The step of obtaining the supplementary insurance configuration data and the main insurance configuration data input by the user according to the insurance configuration page, and generating the insurance configuration data according to the supplementary insurance configuration data and the main insurance configuration data in the insurance configuration page, comprises:

[0115] S321: Acquire the supplementary insurance configuration data and the main insurance configuration data input by the user according to the insurance configuration page;

[0116] S322: Sending the fee calculation request according to the supplementary insurance configuration data and the main insurance configuration data in the insurance configuration page;

[0117] S323: Obtaining the initial insurance fee corresponding to the fee calculation request;

[0118] S324: updating the insurance configuration page according to the initial insurance fee;

[0119] S325: Repeat the step of acquiring the supplementary insurance configuration data and the main insurance configuration data input by the user according to the insurance configuration page until a configuration submission request input by the user is acquired;

[0120] S326: In response to the configuration submission request, the insurance configuration data is generated according to the supplementary insurance configuration data, the main insurance configuration data and the initial insurance fee in the insurance configuration page.

[0121] This embodiment realizes the real-time display of the initial insurance cost, simplifies the steps of insurance configuration, improves the efficiency of insurance configuration, and improves the user experience.

[0122] Among them, through the communication connection with the client, the cost calculation request sent by the client is obtained. When the cost calculation request is received, the preset insurance cost calculation rules are adopted to calculate the insurance cost according to the supplementary insurance configuration data and the main insurance configuration data carried by the cost calculation request. The calculated insurance cost is used as the initial insurance cost, and the initial insurance cost is sent to the client, which is conducive to the real-time display of the initial insurance cost.

[0123] For S321, the user enters the configuration of the target primary insurance identifier and the configuration of the candidate supplementary insurance identifier set in the insurance configuration page according to the displayed target primary insurance identifier and the candidate supplementary insurance identifier set, and clicks the configuration button after the input is completed; when the configuration button is clicked, the primary insurance configuration data will be generated according to the configuration of the target primary insurance identifier in the insurance configuration page, and the supplementary insurance configuration data will be generated according to the configuration of the candidate supplementary insurance identifier set in the insurance configuration page.

[0124] For S322, the cost calculation request is sent according to the supplementary insurance configuration data and the main insurance configuration data in the insurance configuration page, and the supplementary insurance configuration data and the main insurance configuration data are used as parameters carried by the cost calculation request.

[0125] For S324, the insurance cost in the insurance configuration page is updated according to the initial insurance cost.

[0126] For S325, steps S321 to S325 are repeatedly executed until the configuration submission request input by the user in the insurance configuration page is obtained.

[0127] For S326, when the configuration submission request is received, the supplementary insurance configuration data, the main insurance configuration data and the initial insurance fee in the insurance configuration page are used as the insurance configuration data.

[0128] In one embodiment, the step of calling a preset rule engine to generate an insurance proposal based on a preset template file library, a preset rule file library, the primary and supplementary insurance matching data, the benefit data, the insurance configuration data and the insurance customer information to obtain a target insurance proposal includes:

[0129] S51: Acquire a target rule file identification set corresponding to the insurance configuration data from the primary and supplementary insurance matching data;

[0130] S52: acquiring rule files from the rule file library according to each rule identifier in the target rule file identifier set, to obtain a rule file set;

[0131] S53: Generate a proposal framework file according to the rule file set and the template file library;

[0132] S54: performing content replacement on each replacement position in the proposal framework file according to the benefit data, the insurance configuration data and the insurance customer information to obtain the target insurance proposal.

[0133] This embodiment calls a preset rule engine, and performs rule extraction, rule parsing, and insurance proposal splicing according to a preset template file library, a preset rule file library, the main and supplementary insurance combination data, the benefit data, the insurance configuration data, and the insurance customer information, thereby realizing real-time parsing of rule files to obtain template files for insurance proposal splicing.

[0134] For S51, the main insurance identifier in the insurance configuration data is used to obtain a rule file identifier set from the main and supplementary insurance combination data to obtain a first rule file identifier set; each supplementary insurance identifier in the insurance configuration data is used to obtain a rule file identifier set from the main and supplementary insurance combination data to obtain a second rule file identifier set; the first rule file identifier set and each second rule file identifier set are combined to obtain the target rule file identifier set.

[0135] For S52, for each rule identifier in the target rule file identifier set, a rule file search is performed in the rule file library, and each rule file found is used as a rule file set.

[0136] For S53, the rule file set is parsed, and during the parsing process, template files are obtained from the template file library for splicing, and the spliced ​​document is used as a proposal framework file.

[0137] For S54, the designated replacement position in the proposal framework file is identified, data is obtained from the benefit data, the insurance configuration data and the insurance customer information, and the designated replacement position in the proposal framework file is replaced with the acquired data, and the proposal framework file in which all replacement positions are replaced is used as the target insurance proposal; wherein the designated replacement position is any replacement position in the proposal framework file.

[0138] In one embodiment, the above-mentioned step of calling a preset rule engine to generate an insurance proposal according to a preset template file library, a preset rule file library, the primary and supplementary insurance matching data, the benefit data, the insurance configuration data and the insurance customer information to obtain a target insurance proposal further includes:

[0139] S61: Acquiring a proposal confirmation signal sent by the client according to the target insurance proposal;

[0140] S62: In response to the proposal confirmation signal, a preset PDF document generation rule is used to generate a PDF document according to the target insurance proposal to obtain an insurance proposal PDF document;

[0141] S63: Obtain file download configuration data;

[0142] S64: Sending the insurance proposal PDF document according to the file download configuration data.

[0143] This embodiment generates a PDF document according to the target insurance proposal, which is conducive to the delivery of the target insurance proposal.

[0144] For S61, the target insurance proposal is sent to the client, and then a proposal confirmation signal sent by the client is obtained.

[0145] For S62, when the proposal confirmation signal is received, a preset PDF (Portable Document Format) document generation rule is used to generate a PDF document according to the target insurance proposal, and the generated PDF document is used as the insurance proposal PDF document.

[0146] For S63, the file download configuration data input by the user may be obtained, the file download configuration data sent by a third-party application system may be obtained, and the file download configuration data may be written into a program file implemented in the community.

[0147] Optionally, the file download configuration data includes: storage path and / or email address.

[0148] For S64, the insurance proposal PDF document is sent to the storage space and / or mailbox corresponding to the file download configuration data.

[0149] In one embodiment, the step of obtaining a proposal confirmation signal sent by the client according to the target insurance proposal includes:

[0150] Sending the target insurance proposal to the client, and obtaining a proposal confirmation signal sent by the client, wherein the client is further used to:

[0151] S611: using a preset preview page generation rule to generate an insurance proposal preview page according to the target insurance proposal;

[0152] S612: Acquire the insurance proposal update request input by the user according to the insurance proposal preview page;

[0153] S613: responding to the proposal update request, using the insurance configuration data as initial configuration data;

[0154] S614: Acquire the insurance configuration data input by the user according to the initial configuration data;

[0155] S615: Obtaining the updated target insurance proposal according to the insurance configuration data;

[0156] S616: using the preview page generation rule, updating the insurance proposal preview page according to the updated target insurance proposal;

[0157] S617: Repeat the step of obtaining the insurance proposal update request input by the user according to the insurance proposal preview page until the insurance proposal confirmation signal sent by the user is obtained.

[0158] This embodiment sends the target insurance proposal to the client for page display, then responds to the proposal update request to obtain updated insurance configuration data, and uses the updated insurance configuration data to update the target insurance proposal, thereby meeting the personalized target insurance proposal modification needs and improving modification efficiency.

[0159] For S611, a preset preview page generation rule is adopted to display a page according to the target insurance proposal, and the displayed page is used as the insurance proposal preview page.

[0160] For S612, the user clicks a modification button in the insurance proposal preview page; when the modification button is clicked, a proposal update request will be generated.

[0161] A proposal update request is a request to make changes to an insurance proposal.

[0162] For S613, when the proposal update request is received, the insurance configuration data is used as initial configuration data to provide a basis for determining new insurance configuration data.

[0163] For S614, an insurance configuration page is displayed according to the initial configuration data, and the insurance configuration data input by the user is obtained according to the displayed insurance configuration page.

[0164] For S615, the method of steps S4 to S5 is adopted to obtain the new target insurance proposal, and the obtained new target insurance proposal is used as the updated target insurance proposal.

[0165] For S616, the preview page generation rule is adopted to display a page according to the updated target insurance proposal, and the displayed page is used as the insurance proposal preview page.

[0166] For S617, steps S612 to S617 are repeatedly executed until the proposal confirmation signal sent by the user is obtained.

[0167] Reference Figure 2 The present application also proposes a device for generating an insurance proposal, the device comprising:

[0168] The data acquisition module 100 is used to acquire the insurance customer information and the target primary insurance identification corresponding to the insurance customer information;

[0169] A candidate supplementary insurance identification set acquisition module 200 is used to acquire a candidate supplementary insurance identification set from preset primary and supplementary insurance matching data according to the insurance customer information and the target primary insurance identification;

[0170] The insurance configuration data acquisition module 300 is used to acquire the insurance configuration data input by the user according to the target primary insurance identifier and the candidate supplementary insurance identifier set;

[0171] The benefit data determination module 400 is used to calculate the benefit data according to the insurance customer information and the insurance configuration data;

[0172] The target insurance proposal determination module 500 is used to call a preset rule engine to generate an insurance proposal based on a preset template file library, a preset rule file library, the primary and supplementary insurance matching data, the benefit data, the insurance configuration data and the insurance customer information to obtain a target insurance proposal.

[0173] This embodiment obtains template files by real-time parsing of rule files to splice insurance proposals. When the main insurance or supplementary insurance changes, it is only necessary to modify the main and supplementary insurance matching data, the template files in the template file library, and the rule files in the rule file library to generate the insurance proposal after the main insurance or supplementary insurance changes. There is no need to modify or develop code, which shortens the update time of insurance products and improves the accuracy of insurance proposals.

[0174] 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 internal 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 an insurance proposal. 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 an insurance proposal is implemented. The method for generating an insurance proposal includes: obtaining insurance customer information and a target primary insurance identifier corresponding to the insurance customer information; obtaining a candidate supplementary insurance identifier set from preset primary and supplementary insurance pairing data based on the insurance customer information and the target primary insurance identifier; obtaining insurance configuration data input by a user based on the target primary insurance identifier and the candidate supplementary insurance identifier set; calculating benefit data based on the insurance customer information and the insurance configuration data; calling a preset rule engine to generate an insurance proposal based on a preset template file library, a preset rule file library, the primary and supplementary insurance pairing data, the benefit data, the insurance configuration data and the insurance customer information to obtain a target insurance proposal.

[0175] This embodiment obtains template files by real-time parsing of rule files to splice insurance proposals. When the main insurance or supplementary insurance changes, it is only necessary to modify the main and supplementary insurance matching data, the template files in the template file library, and the rule files in the rule file library to generate the insurance proposal after the main insurance or supplementary insurance changes. There is no need to modify or develop code, which shortens the update time of insurance products and improves the accuracy of insurance proposals.

[0176] 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 an insurance proposal is implemented, comprising the steps of: obtaining insurance customer information and a target primary insurance identifier corresponding to the insurance customer information; obtaining a candidate supplementary insurance identifier set from preset primary and supplementary insurance pairing data based on the insurance customer information and the target primary insurance identifier; obtaining insurance configuration data input by a user based on the target primary insurance identifier and the candidate supplementary insurance identifier set; calculating benefit data based on the insurance customer information and the insurance configuration data; calling a preset rule engine to generate an insurance proposal based on a preset template file library, a preset rule file library, the primary and supplementary insurance pairing data, the benefit data, the insurance configuration data and the insurance customer information to obtain a target insurance proposal.

[0177] The above-mentioned method for generating insurance proposals obtains template files by real-time parsing of rule files for splicing of insurance proposals. When the main insurance or supplementary insurance changes, it is only necessary to modify the main and supplementary insurance matching data, the template files in the template file library, and the rule files in the rule file library to generate the insurance proposal after the main insurance or supplementary insurance changes. There is no need to modify or develop code, which shortens the update time of insurance products and improves the accuracy of insurance proposals.

[0178] 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.

[0179] 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.

[0180] 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 an insurance proposal, characterized in that: The method comprises: Acquire insurance customer information and a target primary insurance identifier corresponding to the insurance customer information; According to the insurance customer information and the target primary insurance identifier, a candidate supplementary insurance identifier set is obtained from preset primary and supplementary insurance matching data; Acquiring insurance configuration data input by a user according to the target primary insurance identifier and the candidate supplementary insurance identifier set; Calculating benefit data based on the insurance customer information and the insurance configuration data; Calling a preset rule engine to generate an insurance proposal based on a preset template file library, a preset rule file library, the primary and supplementary insurance matching data, the benefit data, the insurance configuration data and the insurance customer information to obtain a target insurance proposal; Before the step of acquiring a candidate supplementary insurance identification set from preset primary and supplementary insurance matching data according to the insurance customer information and the target primary insurance identification, the method further includes: Obtaining a product configuration request through the rule engine; Responding to the product configuration request through the rule engine and displaying a product configuration interface; By means of the rule engine, in the product configuration interface, product configuration data input by the user is obtained according to the template file library, wherein the product configuration data includes: one or more of configuration data corresponding to the primary insurance and the supplementary insurance and configuration data of the template file selection rule; When the product configuration data includes the configuration data corresponding to the primary insurance and the supplementary insurance, updating the primary and supplementary insurance matching data according to the configuration data corresponding to the primary insurance and the supplementary insurance in the product configuration data; When the product configuration data includes the template file selection rule configuration data, the rule file library is updated according to the template file selection rule configuration data in the product configuration data.

2. The method for generating an insurance proposal according to claim 1, characterized in that: The step of acquiring the insurance configuration data input by the user according to the target primary insurance identifier and the candidate supplementary insurance identifier set includes: The target primary insurance identifier and the candidate supplementary insurance identifier set are sent to the client, and the insurance configuration data sent by the client according to the target primary insurance identifier and the candidate supplementary insurance identifier set are obtained, wherein the client is used to: Displaying an insurance configuration page according to the target primary insurance identifier and the candidate supplementary insurance identifier set; The supplementary insurance configuration data and the main insurance configuration data input by the user are acquired according to the insurance configuration page, and the insurance configuration data is generated according to the supplementary insurance configuration data and the main insurance configuration data in the insurance configuration page.

3. The method for generating an insurance proposal according to claim 2, characterized in that: The step of obtaining the insurance configuration data sent by the client according to the target primary insurance identifier and the candidate supplementary insurance identifier set includes: Obtaining a fee calculation request sent by the client; Generate an initial insurance fee according to the supplementary insurance configuration data and the main insurance configuration data carried in the fee calculation request; sending the initial insurance fee to the client; Acquire the insurance configuration data sent by the client according to the target primary insurance identifier and the candidate supplementary insurance identifier set; The step of obtaining the supplementary insurance configuration data and the main insurance configuration data input by the user according to the insurance configuration page, and generating the insurance configuration data according to the supplementary insurance configuration data and the main insurance configuration data in the insurance configuration page, comprises: Acquiring the supplementary insurance configuration data and the main insurance configuration data input by the user according to the insurance configuration page; Sending the fee calculation request according to the supplementary insurance configuration data and the main insurance configuration data in the insurance configuration page; Obtaining an initial insurance fee corresponding to the fee calculation request; Update the insurance configuration page according to the initial insurance fee; Repeat the step of obtaining the supplementary insurance configuration data and the main insurance configuration data input by the user according to the insurance configuration page until a configuration submission request input by the user is obtained; In response to the configuration submission request, the insurance configuration data is generated according to the supplementary insurance configuration data, the main insurance configuration data and the initial insurance fee in the insurance configuration page.

4. The method for generating an insurance proposal according to claim 1, characterized in that: The step of calling a preset rule engine, generating an insurance proposal based on a preset template file library, a preset rule file library, the primary and supplementary insurance matching data, the benefit data, the insurance configuration data and the insurance customer information to obtain a target insurance proposal includes: Acquire a target rule file identification set corresponding to the insurance configuration data from the main and supplementary insurance collocation data; According to each rule identifier in the target rule file identifier set, respectively obtain rule files from the rule file library to obtain a rule file set; Generate a proposal framework file according to the rule file set and the template file library; According to the benefit data, the insurance configuration data and the insurance customer information, the content of each replacement position in the proposal framework file is replaced to obtain the target insurance proposal.

5. The method for generating an insurance proposal according to claim 1, characterized in that: After the step of calling a preset rule engine to generate an insurance proposal based on a preset template file library, a preset rule file library, the primary and supplementary insurance matching data, the benefit data, the insurance configuration data and the insurance customer information to obtain a target insurance proposal, the method further includes: Obtaining a proposal confirmation signal sent by the client according to the target insurance proposal; In response to the proposal confirmation signal, a preset PDF document generation rule is used to generate a PDF document according to the target insurance proposal to obtain an insurance proposal PDF document; Get file download configuration data; The insurance proposal PDF document is sent according to the file download configuration data.

6. The method for generating an insurance proposal according to claim 5, characterized in that: The step of obtaining a proposal confirmation signal sent by the client according to the target insurance proposal includes: Sending the target insurance proposal to the client, and obtaining a proposal confirmation signal sent by the client, wherein the client is further used to: Using a preset preview page generation rule, generating an insurance proposal preview page according to the target insurance proposal; Acquire, according to the insurance proposal preview page, a proposal update request input by the user; In response to the proposal update request, the insurance configuration data is used as initial configuration data; Acquire the insurance configuration data input by the user according to the initial configuration data; Obtaining the updated target insurance proposal according to the insurance configuration data; Adopting the preview page generation rule, updating the insurance proposal preview page according to the updated target insurance proposal; The step of obtaining the insurance proposal update request input by the user according to the insurance proposal preview page is repeatedly performed until the insurance proposal confirmation signal sent by the user is obtained.

7. A device for generating an insurance proposal, used to implement the method according to any one of claims 1 to 6, characterized in that: The device comprises: A data acquisition module, used to acquire insurance customer information and a target primary insurance identifier corresponding to the insurance customer information; A candidate supplementary insurance identification set acquisition module is used to acquire a candidate supplementary insurance identification set from preset primary and supplementary insurance matching data according to the insurance customer information and the target primary insurance identification; An insurance configuration data acquisition module, used to acquire the insurance configuration data input by the user according to the target primary insurance identifier and the candidate supplementary insurance identifier set; A benefit data determination module, used for calculating benefit data according to the insurance customer information and the insurance configuration data; The target insurance proposal determination module is used to call a preset rule engine to generate an insurance proposal based on a preset template file library, a preset rule file library, the primary and supplementary insurance matching data, the benefit data, the insurance configuration data and the insurance customer information to obtain a target insurance proposal.

8. A computer device comprising a memory and a processor, wherein the memory stores a computer program, wherein: When the processor executes the computer program, the steps of the method according to any one of claims 1 to 6 are implemented.

9. 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 6 are implemented.

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