Policy agent determination method, device, equipment and storage medium

Abstract

The present invention discloses a method, device, equipment and storage medium for determining an insurance policy agent, belonging to the field of data processing technology. The method is executed by a server and includes: updating historical insurance data to obtain target insurance data; the target insurance data includes target policy data, target insurance type data and target agent data; determining a list of candidate agents who can provide services according to the target agent data and agent screening conditions; generating at least one insurance policy allocation task according to the target insurance data and the insurance policy allocation conditions, and storing at least one insurance policy allocation task in a message queue; reading the current insurance policy allocation task to be processed from the message queue; analyzing the current insurance policy allocation task according to the target insurance data, the candidate agent list, and the association relationship between the target policy data, the target insurance type data and the target agent data stored in the cache, and obtaining the target service agent corresponding to the current insurance policy allocation task.

Description

Technical Field

[0001] The present invention relates to the field of data processing technology, and in particular to a method, device, equipment and storage medium for determining an insurance policy agent. Background Art

[0002] In the insurance industry, due to the resignation of insurance agents or the renewal of insurance upon expiration, a large number of insurance policies are often generated without assigned service agents. In order to better serve customers, a new agent will be assigned to provide service.

[0003] These policies are usually assigned service agents manually and randomly, which is inefficient and prone to omissions. In addition, the assigned service agents are often not the most suitable agents, resulting in low policy processing efficiency and poor customer service quality. Summary of the invention

[0004] The present invention provides a method, device, equipment and storage medium for determining an insurance policy agent to improve the processing efficiency of insurance policy allocation tasks and enhance the quality of customer service.

[0005] According to one aspect of the present invention, a method for determining an insurance policy agent is provided, the method being executed by a server and comprising:

[0006] Obtaining the changed data obtained in response to the data change operation from the client, and updating the historical insurance data according to the changed data to obtain the target insurance data, and storing the target insurance data in the cache; wherein the target insurance data includes the target policy data, the target insurance type data and the target agent data;

[0007] Determine the list of candidate agents who can provide services based on target agent data and agent screening criteria;

[0008] Generate at least one policy allocation task according to the target insurance data and the policy allocation condition, and store the at least one policy allocation task in a message queue;

[0009] Read the current policy allocation tasks to be processed from the message queue;

[0010] According to the target insurance data, the list of candidate agents, and the association between the target policy data, the target insurance type data and the target agent data stored in the cache, the current policy allocation task is analyzed to obtain the target service agent corresponding to the current policy allocation task.

[0011] According to another aspect of the present invention, a device for determining an insurance policy agent is provided, the device being deployed in a server and comprising:

[0012] The data update module is used to obtain the changed data obtained in response to the data change operation from the client, and update the historical insurance data according to the changed data to obtain the target insurance data, and store the target insurance data into the cache; wherein the target insurance data includes the target policy data, the target insurance type data and the target agent data;

[0013] An agent list determination module is used to determine a list of candidate agents who can provide services based on target agent data and agent screening conditions;

[0014] An allocation task generation module, used to generate at least one insurance policy allocation task according to target insurance data and insurance policy allocation conditions, and store at least one insurance policy allocation task in a message queue;

[0015] The allocation task reading module is used to read the current policy allocation tasks to be processed from the message queue;

[0016] The service agent determination module is used to analyze the current policy allocation task based on the target insurance data, the list of candidate agents, and the association between the target policy data, target insurance type data and target agent data stored in the cache, and obtain the target service agent corresponding to the current policy allocation task.

[0017] According to another aspect of the present invention, an electronic device is provided, the electronic device comprising:

[0018] at least one processor; and

[0019] a memory communicatively connected to at least one processor; wherein,

[0020] The memory stores a computer program that can be executed by at least one processor. The computer program is executed by at least one processor so that the at least one processor can execute the insurance policy agent determination method of any embodiment of the present invention.

[0021] According to another aspect of the present invention, a computer-readable storage medium is provided, wherein the computer-readable storage medium stores computer instructions for implementing the insurance policy agent determination method of any embodiment of the present invention when the computer instructions are executed by a processor.

[0022] According to another aspect of the present invention, a computer program product is provided, including a computer program, which implements the insurance policy agent determination method of any embodiment of the present invention when executed by a processor.

[0023] The technical solution of the embodiment of the present invention obtains the change data obtained in response to the data change operation from the client, and updates the historical insurance data according to the change data to obtain the target insurance data, and stores the target insurance data in a cache; wherein the target insurance data includes target policy data, target insurance type data and target agent data; according to the target agent data and the agent screening conditions, a list of candidate agents who can provide services is determined; according to the target insurance data and the policy allocation conditions, at least one policy allocation task is generated, and at least one policy allocation task is stored in a message queue; the current policy allocation task to be processed is read from the message queue; according to the target insurance data, the candidate agent list, and the association relationship between the target policy data, the target insurance type data and the target agent data stored in the cache, the current policy allocation task is analyzed to obtain the target service agent corresponding to the current policy allocation task. The above technical solution updates the historical insurance data according to the change data to obtain the target insurance data, thereby ensuring the consistency of the insurance data and the accuracy of the target insurance data, so that the target service agent determined subsequently is more accurate; the target insurance data is stored in the cache, which is convenient for the subsequent rapid acquisition of the target insurance data and improves the access speed of the target insurance data; according to the target agent data and the agent screening conditions, the list of candidate agents who can provide services is determined, thereby reducing the scope of determining the target service agent; the policy allocation task is stored in the message queue, and the current policy allocation task to be processed is read from the message queue. The service realizes efficient management of policy assignment tasks, avoids the situation where policy assignment tasks are omitted and never processed, thereby ensuring that each policy assignment task can be processed in a timely manner; according to the target insurance data, the list of candidate agents, and the association between the target policy data, target insurance type data and target agent data stored in the cache, the current policy assignment task is analyzed to obtain the target service agent corresponding to the current policy assignment task, and the most suitable service agent is automatically assigned to the current policy assignment task, thereby improving the processing efficiency of the current policy assignment task and improving the customer service quality.

[0024] It should be understood that the contents described in this section are not intended to identify the key or important features of the embodiments of the present invention, nor are they intended to limit the scope of the present invention. Other features of the present invention will become easily understood through the following description. BRIEF DESCRIPTION OF THE DRAWINGS

[0025] In order to more clearly illustrate the technical solutions in the embodiments of the present invention, the following briefly introduces the drawings required for use in the description of the embodiments. Obviously, the drawings described below are only some embodiments of the present invention. For ordinary technicians in this field, other drawings can be obtained based on these drawings without creative work.

[0026] Figure 1 is a flow chart of a method for determining an insurance policy agent provided according to Embodiment 1 of the present invention;

[0027] Figure 2 is a flow chart of a method for determining an insurance policy agent provided according to Embodiment 2 of the present invention;

[0028] Figure 3 This is a schematic diagram of the structure of a device for determining an insurance policy agent provided according to Embodiment 3 of the present invention;

[0029] Figure 4 It is a structural schematic diagram of an electronic device for implementing the insurance policy agent determination method of an embodiment of the present invention. DETAILED DESCRIPTION

[0030] In order to enable those skilled in the art to better understand the scheme of the present invention, the technical scheme in the embodiments of the present invention will be clearly and completely described below in conjunction with the drawings in the embodiments of the present invention. Obviously, the described embodiments are only part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without creative work should fall within the scope of protection of the present invention.

[0031] It should be noted that the terms "target", "candidate", "first" and "second" in the specification and claims of the present invention and the above-mentioned drawings are used to distinguish similar objects, and are not necessarily used to describe a specific order or sequence. It should be understood that the data used in this way can be interchangeable where appropriate, so that the embodiments of the present invention described herein can be implemented in an order other than those illustrated or described herein. In addition, the terms "including" and "having" and any variations thereof are intended to cover non-exclusive inclusions, for example, a process, method, system, product or device that includes a series of steps or units is not necessarily limited to those steps or units that are clearly listed, but may include other steps or units that are not clearly listed or inherent to these processes, methods, products or devices.

[0032] In addition, it should be noted that the collection, storage, use, processing, transmission, provision and disclosure of historical insurance data, policy allocation task templates and agent service capability scoring rules involved in the technical solution of the present invention are in compliance with the provisions of relevant laws and regulations and do not violate public order and good morals.

[0033] Embodiment 1

[0034] Figure 1This is a flow chart of a method for determining an insurance policy agent provided in the first embodiment of the present invention. This embodiment can be applied to the case of automatically assigning a service agent to a re-insured policy or a policy whose original service agent has resigned. The method can be executed by an insurance policy agent determination device, which can be implemented in the form of hardware and / or software and can be configured in an electronic device. Figure 1 As shown, the method is executed by the server and includes:

[0035] S101. Obtain the changed data obtained in response to the data change operation from the client, and update the historical insurance data according to the changed data to obtain the target insurance data, and store the target insurance data into the cache; wherein the target insurance data includes the target policy data, the target insurance type data and the target agent data.

[0036] Among them, the change data includes renewal change data and agent change data. Renewal change data may include change reason data and change type data; among them, change reason data includes but is not limited to policy change reason data and insurance type change reason data; change type data includes but is not limited to policyholder change data, insured person change data and insurance clause change data. Agent change data includes but is not limited to agent addition data and agent modification data.

[0037] The client refers to the application program used by data maintenance personnel to maintain insurance data. Data change operations refer to operations to add, modify or delete insurance data. Historical insurance data refers to insurance data within a period of time in the past, for example, historical insurance data can be insurance data within the past year. Target insurance data refers to insurance data obtained after historical insurance data is updated.

[0038] The target policy data refers to the data related to the policy in the target insurance data, and is composed of at least one policy record. It should be noted that one policy record records the relevant data of one policy, including but not limited to the policy identifier, policy start and end dates, policy insurance type, policyholder information, insured person information, premium payment information, and claim settlement information.

[0039] The target insurance data refers to the data related to the insurance in the target insurance data, and is composed of at least one insurance record. It should be noted that one insurance record records the relevant data of one insurance, including but not limited to the insurance identification, insurance name, insurance type, insurance coverage and insurance compensation conditions.

[0040] The target agent data refers to the data related to the agent in the target insurance data, which consists of at least one agent record. It should be noted that one agent record records the relevant data of an agent, including but not limited to the agent's work number, agent name, agent status, agent contract renewal status, agent's years of service, agent performance level and customer satisfaction level.

[0041] Specifically, the changed data obtained in response to the data change operation is obtained from the client, and the data to be updated is determined from the historical insurance data according to the identification information in the changed data; the data to be updated is updated according to the changed data to obtain the target insurance data; and the target insurance data is stored in the cache.

[0042] More specifically, in response to the user's data change operation on the renewal information change interface of the client, the renewal change data is obtained; in response to the user's data change operation on the agent information change interface of the client, the agent change data is obtained; the identification information in the renewal change data and the identification information in the agent change data are respectively matched with the identification information in the historical insurance data, and the data with successful identification information matching is used as the data to be updated; based on the preset data update algorithm, the data to be updated is updated according to the change data to obtain the target insurance data, and the target insurance data is stored in the cache.

[0043] It is understandable that the data change operation of the insurance data is convenient and easy to operate through the data change interface provided by the client (i.e., the renewal information change interface and the agent information change interface), which enhances the operation experience of the data maintenance personnel; at the same time, the data entered by the data maintenance personnel can be automatically verified and error prompts can be given, which reduces the occurrence of human errors, improves the accuracy of the changed data, and ensures the security of the insurance data. Secondly, the historical insurance data is updated according to the changed data to obtain the target insurance data, ensuring the accuracy and consistency of the insurance data. Furthermore, the target insurance data is stored in the cache, which is convenient for the subsequent rapid acquisition of the target insurance data, thereby improving the access speed of the target insurance data.

[0044] S102. Determine a list of candidate agents who can provide services based on the target agent data and agent screening conditions.

[0045] Among them, the agent screening condition refers to the condition used to screen candidate agents from the target agent data; optionally, the agent screening condition can be pre-set according to actual business needs, for example, the agent screening condition can be: the agent status is in-service status, and the agent contract renewal status is renewed status, for example, the agent screening condition can be: the agent's working years are more than two years, the agent's performance level is intermediate and above, and the customer satisfaction level is relatively satisfactory and above. It should be noted that the agent performance level includes primary, intermediate, senior and special; the customer satisfaction level includes very dissatisfied, dissatisfied, general, relatively satisfied, satisfied and very satisfied.

[0046] Specifically, an agent screening statement is generated according to the target agent data and the agent screening condition; the agent screening statement is executed to obtain a list of candidate agents who can provide services.

[0047] S103: Generate at least one insurance policy allocation task according to the target insurance data and the insurance policy allocation condition, and store the at least one insurance policy allocation task into a message queue.

[0048] Among them, the policy allocation condition refers to the condition used to screen the policies that need to be assigned service agents; optionally, the policy allocation condition includes at least one of the following: the label of the policy type is a valid type, and the status of the policy type is the expiration termination status or the expiration termination status; the agent status of the policy is the resignation status. It should be noted that one policy allocation task corresponds to one pending policy. Among them, the pending policy refers to the policy that needs to be reassigned to the service agent.

[0049] Specifically, at least one insurance record that meets the policy allocation conditions is screened out from the target insurance data; based on a preset policy allocation task template and the insurance record, a policy allocation task is generated, and the generated policy allocation task is stored in a message queue.

[0050] More specifically, at least one insurance record that meets the insurance policy allocation conditions is selected from the target insurance data; for each insurance record, the placeholder in the preset insurance policy allocation task template is replaced according to the insurance data in the insurance record to obtain the insurance policy allocation task corresponding to the insurance record, thereby obtaining the insurance policy allocation task corresponding to each insurance record; the insurance policy allocation task corresponding to each insurance record is sequentially stored in the message queue according to the task generation time. Among them, the task generation time refers to the generation time of the insurance policy allocation task.

[0051] It is understandable that by generating the policy assignment task based on the preset policy assignment task template and the insurance record, the data format of the policy assignment task can be standardized to ensure the accuracy of the policy assignment task. At the same time, by storing the generated policy assignment task in the message queue, efficient management of the policy assignment task can be achieved, avoiding the situation where the policy assignment task is never processed due to omission, thereby ensuring that each policy assignment task can be processed in a timely manner.

[0052] S104. Read the current policy allocation task to be processed from the message queue.

[0053] Specifically, when it is detected that there is an insurance policy allocation task in the message queue, the current insurance policy allocation task to be processed is read from the message queue.

[0054] S105. Analyze the current insurance policy assignment task according to the target insurance data, the candidate agent list, and the association relationship among the target insurance policy data, the target insurance type data, and the target agent data stored in the cache, and obtain the target service agent corresponding to the current insurance policy assignment task.

[0055] The target service agent refers to the service agent used to process the current policy allocation task.

[0056] Specifically, the customer identifier is extracted from the current policy allocation task; based on the association relationship among the target policy data, target insurance type data and target agent data stored in the cache, the relevant agents related to the customer identifier are extracted from the target insured data; the extracted relevant agents are matched with the candidate agents in the candidate agent list; if the match is successful, and there is only one relevant agent with a successful match, the successfully matched relevant agent is used as the target service agent corresponding to the current policy allocation task; if the match is successful, and there are multiple successfully matched relevant agents, the relevant agents with the highest customer satisfaction level are further extracted from these successfully matched relevant agents as the target service agent corresponding to the current policy allocation task; if the match is unsuccessful, the candidate agents in the candidate agent list are scored based on the agent service capability scoring rules, and the candidate agent with the highest score is used as the target service agent corresponding to the current policy allocation task.

[0057] It is understandable that the relevant agents related to the customer identification are extracted from the target insurance data, and the target service agent corresponding to the current policy allocation task is determined from the relevant agents according to the candidate agent list, so as to allocate the current policy allocation task to the agent who has a certain understanding of the customer of the policy to be processed in the current policy allocation task as much as possible. In this way, the communication barrier between the customer and the agent can be reduced, the processing efficiency of the current policy allocation task can be effectively improved, the customer service quality can be improved, and the customer satisfaction can be improved.

[0058] The technical solution of the embodiment of the present invention obtains the change data obtained in response to the data change operation from the client, and updates the historical insurance data according to the change data to obtain the target insurance data, and stores the target insurance data in a cache; wherein the target insurance data includes target policy data, target insurance type data and target agent data; according to the target agent data and the agent screening conditions, a list of candidate agents who can provide services is determined; according to the target insurance data and the policy allocation conditions, at least one policy allocation task is generated, and at least one policy allocation task is stored in a message queue; the current policy allocation task to be processed is read from the message queue; according to the target insurance data, the candidate agent list, and the association relationship between the target policy data, the target insurance type data and the target agent data stored in the cache, the current policy allocation task is analyzed to obtain the target service agent corresponding to the current policy allocation task. The above technical solution updates the historical insurance data according to the change data to obtain the target insurance data, thereby ensuring the consistency of the insurance data and the accuracy of the target insurance data, so that the target service agent determined subsequently is more accurate; the target insurance data is stored in the cache, which is convenient for the subsequent rapid acquisition of the target insurance data and improves the access speed of the target insurance data; according to the target agent data and the agent screening conditions, the list of candidate agents who can provide services is determined, thereby reducing the scope of determining the target service agent; the policy allocation task is stored in the message queue, and the current policy allocation task to be processed is read from the message queue. The service realizes efficient management of policy assignment tasks, avoids the situation where policy assignment tasks are omitted and never processed, thereby ensuring that each policy assignment task can be processed in a timely manner; according to the target insurance data, the list of candidate agents, and the association between the target policy data, target insurance type data and target agent data stored in the cache, the current policy assignment task is analyzed to obtain the target service agent corresponding to the current policy assignment task, and the most suitable service agent is automatically assigned to the current policy assignment task, thereby improving the processing efficiency of the current policy assignment task and improving the customer service quality.

[0059] Embodiment 2

[0060] Figure 2 This is a flowchart of a method for determining a policy agent provided in Example 2 of the present invention. Based on the above-mentioned example, this example further optimizes "analyzing the current policy assignment task according to the target insurance data, the list of candidate agents, and the association relationship between the target policy data, the target insurance type data and the target agent data stored in the cache to obtain the target service agent corresponding to the current policy assignment task", and provides an optional implementation scheme. It should be noted that for the parts not described in detail in the examples of the present invention, reference may be made to the relevant statements in other examples. Figure 2 As shown, the method is executed by the server and includes:

[0061] S201. Obtain the changed data obtained in response to the data change operation from the client, and update the historical insurance data according to the changed data to obtain the target insurance data, and store the target insurance data into the cache; wherein the target insurance data includes the target policy data, the target insurance type data and the target agent data.

[0062] S202: Determine a list of candidate agents who can provide services based on the target agent data and agent screening conditions.

[0063] S203: Generate at least one insurance policy allocation task according to the target insurance data and the insurance policy allocation condition, and store the at least one insurance policy allocation task in a message queue.

[0064] S204, reading the current policy allocation task to be processed from the message queue.

[0065] S205: Extract key task information from the task data of the current insurance policy allocation task.

[0066] Among them, the task data includes but is not limited to the first policy identification, first sales channel, policy insurance type, policy start and end dates, policyholder information, insured person information, premium payment information and claim settlement information of the pending policy. Key task information includes the first policy identification, first sales channel, first policyholder identification, first insured person identification, issuing agent identification and original service agent identification of the pending policy.

[0067] Specifically, based on a preset key information extraction algorithm, key task information is extracted from task data of the current insurance policy allocation task.

[0068] S206. According to the key task information and the information priority of the information in the key task information, and the association relationship among the target policy data, the target insurance type data and the target agent data stored in the cache, the relevant agents related to the key task information are screened out from the target insurance data.

[0069] It should be noted that the information priority of the key task information is, from largest to smallest, as follows: issuing agent identification, original service agent identification, first policyholder identification and first insured person identification.

[0070] Specifically, when the issuing agent identification and the original service agent identification of the to-be-processed insurance policy are not in the list of candidate agents, the target retrieval conditions are determined, and based on the association between the target insurance policy data, target insurance type data and target agent data stored in the cache, relevant insurance policies that meet the target retrieval conditions are extracted from the target insurance data; the service agent of the relevant insurance policy is regarded as the relevant agent related to the key task information.

[0071] It should be noted that, in the case that the relevant agents related to the key task information cannot be screened out from the target insurance data, it is necessary to continuously determine the target search conditions according to the information priority of the information in the key task information until the relevant agents related to the key task information are screened out from the target insurance data. Specifically, the target search conditions determined for the first time are as follows:

[0072] The insured person identification is the first insured person identification, the policy sales channel is the first sales channel, and the policy insurance type is long-term insurance.

[0073] If the relevant agents related to the key task information cannot be screened out from the target insurance data according to the target search conditions determined for the first time, the target search conditions determined for the second time are as follows:

[0074] The insured person identification is the first insured person identification, the policy sales channel is the first sales channel, and the policy insurance type is short-term insurance.

[0075] If the relevant agents related to the key task information cannot be screened out from the target insurance data according to the target search conditions determined for the second time, the target search conditions determined for the third time are as follows:

[0076] The insured person identification is the first insured person identification, the policy sales channel is the first sales channel, and the policy insurance type is long-term insurance.

[0077] If the target search conditions determined for the third time fail to screen out relevant agents related to the key task information from the target insurance data, the target search conditions determined for the fourth time are as follows:

[0078] The insured person identification is the first insured person identification, the policy sales channel is the first sales channel, and the policy insurance type is short-term insurance.

[0079] If the relevant agents related to the key task information cannot be screened out from the target insurance data according to the target search conditions determined for the fourth time, the target search conditions determined for the fifth time are as follows:

[0080] The insured person identification is the first insured person identification, the policy sales channel is the first sales channel, and the policy insurance type is long-term insurance.

[0081] If the relevant agents related to the key task information cannot be screened out from the target insurance data according to the target search conditions determined for the fifth time, the target search conditions determined for the sixth time are as follows:

[0082] The insured person identification is the first insured person identification, the policy sales channel is the first sales channel, and the policy insurance type is short-term insurance.

[0083] If the relevant agents related to the key task information cannot be screened out from the target insurance data according to the target search conditions determined for the sixth time, the target search conditions determined for the seventh time are as follows:

[0084] The insured person identification is the first insured person identification, the policy sales channel is the first sales channel, and the policy insurance type is long-term insurance.

[0085] If the relevant agents related to the key task information cannot be screened out from the target insurance data according to the target search conditions determined for the seventh time, the target search conditions determined for the eighth time are as follows:

[0086] The insured person identification is the first insured person identification, the policy sales channel is the first sales channel, and the policy insurance type is short-term insurance.

[0087] If the relevant agents related to the key task information cannot be screened out from the target insurance data according to the target search conditions determined for the eighth time, the candidate agents in the candidate agent list will be scored based on the agent service capability scoring rules, and the candidate agent with the highest score will be selected as the target service agent corresponding to the current policy allocation task.

[0088] Optionally, if the number of related policies is greater than 1, the related policy with the closest policy underwriting time to the policy to be processed in the current policy allocation task will be used as the final related policy. It is understandable that since policies with similar underwriting times have similar processing procedures, assigning the current policy allocation task to the service agent of the related policy with the closest underwriting time to the policy to be processed can enable the service agent to concentrate time and energy on handling such policy allocation tasks, thereby improving the processing efficiency of the current policy allocation task.

[0089] Optionally, if the issuing agent identification of the policy to be processed is in the candidate agent list, the candidate agent corresponding to the issuing agent identification in the candidate agent list will be used as the target service agent for the current policy allocation task; if the issuing agent identification of the policy to be processed is not in the candidate agent list, but the original service agent identification is in the candidate agent list, then the candidate agent corresponding to the original service agent identification in the candidate agent list will be used as the target service agent for the current policy allocation task.

[0090] It is understandable that giving priority to the original service agents of the pending policies in the current policy allocation task can reduce communication barriers with customers, reduce trial and error costs, and can quickly process the current policy allocation task based on a deep understanding of the customers, thereby improving the processing efficiency of the current policy allocation task and improving the customer's service experience.

[0091] S207: Match the relevant agent with the candidate agents in the candidate agent list to obtain a matching result.

[0092] Specifically, the agent identification of the relevant agent is matched with the agent identification of the candidate agent in the candidate agent list. If the two are completely consistent, the matching result is a successful match; otherwise, the matching result is a failed match.

[0093] S208. Determine the target service agent corresponding to the current policy allocation task based on the matching result.

[0094] Specifically, if the matching result is a successful match, the successfully matched relevant agent will be used as the target service agent corresponding to the current policy allocation task; if the matching result is a failed match, based on the agent service capability scoring rule, according to the customer activity area and policy insurance type of the pending policies in the current policy allocation task, and the service data associated with the candidate agents in the candidate agent list, each candidate agent in the candidate agent list is scored to obtain the corresponding service capability score of each candidate agent; the highest service capability score is extracted from each service capability score, and the candidate agent corresponding to the highest service capability score is determined as the target service agent corresponding to the current policy allocation task.

[0095] Among them, service data includes but is not limited to customer activity area service data, insurance type processing data, customer satisfaction survey data, average policy processing time, renewal rate and customer retention rate. Among them, customer activity area service data refers to the relevant data of customer activity areas served by candidate agents. Insurance type processing data refers to the relevant data of insurance types handled by candidate agents; optionally, insurance type processing data may include the number of insurance types handled by different insurance types.

[0096] Among them, based on the agent service ability scoring rule, according to the customer activity area and policy insurance type of the policy to be processed in the current policy allocation task, and the service data associated with the candidate agent in the candidate agent list, each candidate agent in the candidate agent list is scored to obtain the service ability score corresponding to each candidate agent. Specifically, it can be: for each candidate agent in the candidate agent list, based on the regional familiarity scoring sub-rule in the agent service ability scoring rule, according to the customer activity area of ​​the policy to be processed in the current policy allocation task, and the customer activity area service data associated with the candidate agent, the regional familiarity score of the candidate agent for the customer activity area of ​​the policy to be processed is calculated; based on the insurance type professionalism scoring sub-rule in the agent service ability scoring rule, according to the policy insurance type of the policy to be processed in the current policy allocation task, and the insurance type processing data associated with the candidate agent, the regional familiarity score of the candidate agent for the customer activity area of ​​the policy to be processed is calculated. The candidate agent's insurance type professionalism score for the insurance type type of the insurance policies to be handled; based on the customer satisfaction scoring sub-rule in the agent service capability scoring rule, the customer satisfaction score of the candidate agent is calculated according to the customer satisfaction survey data associated with the candidate agent; based on the service efficiency scoring sub-rule in the agent service capability scoring rule, the service efficiency score of the candidate agent is calculated according to the average processing time of the insurance policies associated with the candidate agent; based on the continuous service capability scoring sub-rule in the agent service capability scoring rule, the continuous service capability score of the candidate agent is calculated according to the renewal rate and customer retention rate associated with the candidate agent; the regional familiarity score, insurance type professionalism score, customer satisfaction score, service efficiency score and continuous service capability score are weighted and summed to obtain the service capability score corresponding to the candidate agent, thereby obtaining the service capability score corresponding to each candidate agent.

[0097] It is understandable that in the event that the relevant agent fails to match the candidate agents in the candidate agent list, each candidate agent in the candidate agent list is scored in combination with the customer activity area and policy insurance type of the policies to be processed in the current policy allocation task, and the service data associated with the candidate agent, to obtain the corresponding service capability score of each candidate agent, and based on each service capability score, the target service agent corresponding to the current policy allocation task is determined from the candidate agent list, thereby improving the accuracy and scientificity of the determination of the target service agent, so that the target service agent can handle the current policy allocation task faster and better, thereby improving the processing efficiency of the current policy allocation task.

[0098] The technical solution of the embodiment of the present invention obtains the change data obtained in response to the data change operation from the client, and updates the historical insurance data according to the change data to obtain the target insurance data, and stores the target insurance data in a cache; wherein the target insurance data includes target policy data, target insurance type data and target agent data; according to the target agent data and the agent screening conditions, a list of candidate agents who can provide services is determined; according to the target insurance data and the policy distribution conditions, at least one policy distribution task is generated, and at least one policy distribution task is stored in a message queue; the current policy distribution task to be processed is read from the message queue; key task information is extracted from the task data of the current policy distribution task; according to the key task information and the information priority of the information in the key task information, and the association relationship between the target policy data, the target insurance type data and the target agent data stored in the cache, relevant agents related to the key task information are screened out from the target insurance data; the relevant agents are matched with the candidate agents in the candidate agent list to obtain a matching result; according to the matching result, the target service agent corresponding to the current policy distribution task is determined. The above technical scheme updates the historical insurance data according to the change data to obtain the target insurance data, thereby ensuring the consistency of the insurance data and the accuracy of the target insurance data, thereby making the target service agent determined subsequently more accurate; the target insurance data is stored in the cache to facilitate the subsequent rapid acquisition of the target insurance data, thereby improving the access speed of the target insurance data; based on the target agent data and the agent screening conditions, a list of candidate agents who can provide services is determined, thereby reducing the scope of the target service agent to be determined; the policy allocation task is stored in the message queue, and the current policy allocation task to be processed is read from the message queue, thereby realizing efficient management of the policy allocation task, avoiding the occurrence of the policy allocation task being omitted and never processed, thereby ensuring that each policy allocation task can be processed in a timely manner; at the same time, the most suitable service agent is automatically assigned to the current policy allocation task, thereby improving the processing efficiency of the current policy allocation task and improving the customer service quality.

[0099] Embodiment 3

[0100] Figure 3 This is a schematic diagram of the structure of a device for determining an insurance policy agent provided in the third embodiment of the present invention. This embodiment can be applied to the case of automatically assigning a service agent to a re-insured policy or a policy whose original service agent has resigned. The device can be implemented in the form of hardware and / or software and can be configured in an electronic device. Figure 3 As shown, the device is deployed in a server and includes:

[0101] The data update module 301 is used to obtain the change data obtained in response to the data change operation from the client, and update the historical insurance data according to the change data to obtain the target insurance data, and store the target insurance data into the cache; wherein the target insurance data includes the target policy data, the target insurance type data and the target agent data;

[0102] An agent list determination module 302 is used to determine a list of candidate agents who can provide services based on target agent data and agent screening conditions;

[0103] The allocation task generation module 303 is used to generate at least one insurance policy allocation task according to the target insurance data and the insurance policy allocation condition, and store the at least one insurance policy allocation task into the message queue;

[0104] The allocation task reading module 304 is used to read the current policy allocation task to be processed from the message queue;

[0105] The service agent determination module 305 is used to analyze the current insurance policy allocation task based on the target insurance data, the list of candidate agents, and the association between the target insurance policy data, target insurance type data and target agent data stored in the cache, and obtain the target service agent corresponding to the current insurance policy allocation task.

[0106] The technical solution of the embodiment of the present invention obtains the change data obtained in response to the data change operation from the client, and updates the historical insurance data according to the change data to obtain the target insurance data, and stores the target insurance data in a cache; wherein the target insurance data includes target policy data, target insurance type data and target agent data; according to the target agent data and the agent screening conditions, a list of candidate agents who can provide services is determined; according to the target insurance data and the policy allocation conditions, at least one policy allocation task is generated, and at least one policy allocation task is stored in a message queue; the current policy allocation task to be processed is read from the message queue; according to the target insurance data, the candidate agent list, and the association relationship between the target policy data, the target insurance type data and the target agent data stored in the cache, the current policy allocation task is analyzed to obtain the target service agent corresponding to the current policy allocation task. The above technical solution updates the historical insurance data according to the change data to obtain the target insurance data, thereby ensuring the consistency of the insurance data and the accuracy of the target insurance data, so that the target service agent determined subsequently is more accurate; the target insurance data is stored in the cache, which is convenient for the subsequent rapid acquisition of the target insurance data and improves the access speed of the target insurance data; according to the target agent data and the agent screening conditions, the list of candidate agents who can provide services is determined, thereby reducing the scope of determining the target service agent; the policy allocation task is stored in the message queue, and the current policy allocation task to be processed is read from the message queue. The service realizes efficient management of policy assignment tasks, avoids the situation where policy assignment tasks are omitted and never processed, thereby ensuring that each policy assignment task can be processed in a timely manner; according to the target insurance data, the list of candidate agents, and the association between the target policy data, target insurance type data and target agent data stored in the cache, the current policy assignment task is analyzed to obtain the target service agent corresponding to the current policy assignment task, and the most suitable service agent is automatically assigned to the current policy assignment task, thereby improving the processing efficiency of the current policy assignment task and improving the customer service quality.

[0107] Optionally, the change data includes renewal change data and agent change data;

[0108] The data update module 301 includes a change data acquisition unit, which is specifically used to:

[0109] In response to the user's data change operation on the renewal information change interface of the client, obtaining renewal change data;

[0110] In response to the user's data change operation on the agent information change interface of the client, agent change data is obtained.

[0111] Optionally, the data updating module 301 includes a target insurance data determining unit, wherein the target insurance data determining unit is specifically configured to:

[0112] Determine the data to be updated from the historical insurance data according to the identification information in the change data;

[0113] According to the changed data, the data to be updated is updated to obtain the target insurance data.

[0114] Optionally, the assignment task generation module 303 is specifically used to:

[0115] Filtering at least one insurance record that meets the policy allocation conditions from the target insurance data;

[0116] Generate insurance policy allocation tasks based on the preset insurance policy allocation task template and insurance records.

[0117] Optionally, the service agent determination module 305 includes:

[0118] A key task information extraction unit, used to extract key task information from task data of the current policy allocation task;

[0119] A relevant agent screening unit is used to screen relevant agents related to the key task information from the target insurance data according to the key task information and the information priority of the information in the key task information, and the association relationship between the target insurance policy data, the target insurance type data and the target agent data stored in the cache;

[0120] A matching result determination unit, used to match the relevant agent with the candidate agents in the candidate agent list to obtain a matching result;

[0121] The service agent determination unit is used to determine the target service agent corresponding to the current insurance policy allocation task according to the matching result.

[0122] Optionally, the service agent determination unit is specifically used to:

[0123] If the matching result is successful, the successfully matched agent will be used as the target service agent corresponding to the current policy allocation task;

[0124] If the matching result is a match failure, then based on the agent service capability scoring rule, according to the customer activity area and policy insurance type of the policy to be processed in the current policy allocation task, and the service data associated with the candidate agent in the candidate agent list, score each candidate agent in the candidate agent list to obtain the corresponding service capability score of each candidate agent;

[0125] The highest service capability score is extracted from each service capability score, and the candidate agent corresponding to the highest service capability score is determined as the target service agent corresponding to the current policy allocation task.

[0126] The insurance policy agent determination device provided in the embodiment of the present invention can execute the insurance policy agent determination method provided in any embodiment of the present invention, and has the corresponding functional modules and beneficial effects for executing each insurance policy agent determination method.

[0127] According to an embodiment of the present invention, the present invention also provides an electronic device, a readable storage medium and a computer program product.

[0128] Embodiment 4

[0129] Figure 4 A schematic diagram of the structure of an electronic device 10 that can be used to implement an embodiment of the present invention is shown. The electronic device is intended to represent various forms of digital computers, such as laptop computers, desktop computers, workstations, personal digital assistants, servers, blade servers, mainframe computers, and other suitable computers. The electronic device can also represent various forms of mobile devices, such as personal digital processing, cellular phones, smart phones, wearable devices (such as helmets, glasses, watches, etc.) and other similar computing devices. The components shown herein, their connections and relationships, and their functions are merely examples and are not intended to limit the implementation of the present invention described and / or required herein.

[0130] like Figure 4 As shown, the electronic device 10 includes at least one processor 11, and a memory connected to the at least one processor 11 in communication, such as a read-only memory (ROM) 12, a random access memory (RAM) 13, etc., wherein the memory stores a computer program that can be executed by at least one processor, and the processor 11 can perform various appropriate actions and processes according to the computer program stored in the read-only memory (ROM) 12 or the computer program loaded from the storage unit 18 to the random access memory (RAM) 13. In the RAM 13, various programs and data required for the operation of the electronic device 10 can also be stored. The processor 11, ROM 12 and RAM 13 are connected to each other through a bus 14. An input / output (I / O) interface 15 is also connected to the bus 14.

[0131] A number of components in the electronic device 10 are connected to the I / O interface 15, including: an input unit 16, such as a keyboard, a mouse, etc.; an output unit 17, such as various types of displays, speakers, etc.; a storage unit 18, such as a disk, an optical disk, etc.; and a communication unit 19, such as a network card, a modem, a wireless communication transceiver, etc. The communication unit 19 allows the electronic device 10 to exchange information / data with other devices through a computer network such as the Internet and / or various telecommunication networks.

[0132] The processor 11 may be a variety of general and / or special processing components with processing and computing capabilities. Some examples of the processor 11 include, but are not limited to, a central processing unit (CPU), a graphics processing unit (GPU), various special artificial intelligence (AI) computing chips, various processors running machine learning model algorithms, a digital signal processor (DSP), and any appropriate processor, controller, microcontroller, etc. The processor 11 executes the various methods and processes described above, such as the policy agent determination method.

[0133] In some embodiments, the insurance policy agent determination method may be implemented as a computer program, which is tangibly contained in a computer-readable storage medium, such as a storage unit 18. In some embodiments, part or all of the computer program may be loaded and / or installed on the electronic device 10 via the ROM 12 and / or the communication unit 19. When the computer program is loaded into the RAM 13 and executed by the processor 11, one or more steps of the insurance policy agent determination method described above may be performed. Alternatively, in other embodiments, the processor 11 may be configured to execute the insurance policy agent determination method in any other appropriate manner (e.g., by means of firmware).

[0134] Various implementations of the systems and techniques described above herein can be implemented in digital electronic circuit systems, integrated circuit systems, field programmable gate arrays (FPGAs), application specific integrated circuits (ASICs), application specific standard products (ASSPs), systems on chips (SOCs), load programmable logic devices (CPLDs), computer hardware, firmware, software, and / or combinations thereof. These various implementations can include: being implemented in one or more computer programs that can be executed and / or interpreted on a programmable system including at least one programmable processor, which can be a special purpose or general purpose programmable processor that can receive data and instructions from a storage system, at least one input device, and at least one output device, and transmit data and instructions to the storage system, the at least one input device, and the at least one output device.

[0135] Computer programs for implementing the methods of the present invention may be written in any combination of one or more programming languages. These computer programs may be provided to a processor of a general-purpose computer, a special-purpose computer, or other programmable data processing device, so that when the computer program is executed by the processor, the functions / operations specified in the flow chart and / or block diagram are implemented. The computer program may be executed entirely on the machine, partially on the machine, partially on the machine and partially on a remote machine as a stand-alone software package, or entirely on a remote machine or server.

[0136] In the context of the present invention, a computer-readable storage medium may be a tangible medium that may contain or store a computer program for use by or in conjunction with an instruction execution system, device, or equipment. A computer-readable storage medium may include, but is not limited to, electronic, magnetic, optical, electromagnetic, infrared, or semiconductor systems, devices, or equipment, or any suitable combination of the foregoing. Alternatively, a computer-readable storage medium may be a machine-readable signal medium. A more specific example of a machine-readable storage medium may include an electrical connection based on one or more lines, a portable computer disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing.

[0137] To provide interaction with a user, the systems and techniques described herein may be implemented on an electronic device having: a display device (e.g., a CRT (cathode ray tube) or LCD (liquid crystal display) monitor) for displaying information to the user; and a keyboard and a pointing device (e.g., a mouse or trackball) through which the user can provide input to the electronic device. Other types of devices may also be used to provide interaction with the user; for example, the feedback provided to the user may be any form of sensory feedback (e.g., visual feedback, auditory feedback, or tactile feedback); and input from the user may be received in any form (including acoustic input, voice input, or tactile input).

[0138] The systems and techniques described herein may be implemented in a computing system that includes backend components (e.g., as a data server), or a computing system that includes middleware components (e.g., an application server), or a computing system that includes frontend components (e.g., a user computer with a graphical user interface or a web browser through which a user can interact with implementations of the systems and techniques described herein), or a computing system that includes any combination of such backend components, middleware components, or frontend components. The components of the system may be interconnected by any form or medium of digital data communication (e.g., a communication network). Examples of communication networks include: a local area network (LAN), a wide area network (WAN), a blockchain network, and the Internet.

[0139] A computing system may include a client and a server. The client and the server are generally remote from each other and usually interact through a communication network. The client and server relationship is generated by computer programs running on the corresponding computers and having a client-server relationship with each other. The server may be a cloud server, also known as a cloud computing server or cloud host, which is a host product in the cloud computing service system to solve the defects of difficult management and weak business scalability in traditional physical hosts and VPS services.

[0140] It should be understood that the various forms of processes shown above can be used to reorder, add or delete steps. For example, the steps described in the present invention can be executed in parallel, sequentially or in different orders, as long as the desired results of the technical solution of the present invention can be achieved, and this document does not limit this.

[0141] The above specific implementations do not constitute a limitation on the protection scope of the present invention. It should be understood by those skilled in the art that various modifications, combinations, sub-combinations and substitutions can be made according to design requirements and other factors. Any modification, equivalent substitution and improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention.

Claims

1. A method for determining an insurance policy agent, characterized in that: Executed by a server, the method includes: Acquire the changed data obtained in response to the data change operation from the client, and update the historical insurance data according to the changed data to obtain the target insurance data, and store the target insurance data into the cache; wherein the target insurance data includes the target policy data, the target insurance type data and the target agent data; Determine a list of candidate agents who can provide services based on the target agent data and agent screening conditions; At least one policy allocation task is generated according to the target insurance data and the policy allocation condition, and the at least one policy allocation task is stored in a message queue; wherein the policy allocation condition includes at least one of the following: the label of the policy type is a valid type, and the status of the policy type is an expiration termination status or an expiration termination status; the agent status of the policy is a resignation status; Read the current policy allocation task to be processed from the message queue; Analyzing the current insurance policy assignment task according to the target insurance application data, the candidate agent list, and the association relationship among the target insurance policy data, the target insurance type data, and the target agent data stored in the cache to obtain the target service agent corresponding to the current insurance policy assignment task, including: Extracting key task information from the task data of the current policy allocation task; wherein the key task information includes the first policy identifier, the first sales channel, the first policyholder identifier, the first insured identifier, the issuing agent identifier and the original service agent identifier of the policy to be processed; According to the key task information and the information priority of the information in the key task information, and the association relationship among the target policy data, target insurance type data and target agent data stored in the cache, the relevant agents related to the key task information are screened out from the target insurance data, including: when the issuing agent identifier and the original service agent identifier of the to-be-processed policy are not in the candidate agent list, the target search condition is determined, and based on the association relationship among the target policy data, target insurance type data and target agent data stored in the cache, the relevant policies that meet the target search condition are extracted from the target insurance data; the service agent of the relevant policy is used as the relevant agent related to the key task information; wherein the information priority of the information in the key task information is, from largest to smallest: issuing agent identifier, original service agent identifier, first policyholder identifier and first insured identifier; Matching the relevant agent with the candidate agents in the candidate agent list to obtain a matching result; According to the matching result, the target service agent corresponding to the current insurance policy allocation task is determined.

2. The method according to claim 1, characterized in that The change data includes renewal change data and agent change data; Obtain the changed data from the client in response to the data change operation, including: In response to the user's data change operation on the renewal information change interface of the client, obtaining renewal change data; In response to the user's data change operation on the agent information change interface of the client, agent change data is obtained.

3. The method according to claim 1, characterized in that The historical insurance data is updated according to the change data to obtain the target insurance data, including: Determining the data to be updated from the historical insurance data according to the identification information in the change data; According to the changed data, the data to be updated is updated to obtain target insurance data.

4. The method according to claim 1, characterized in that: Generating at least one insurance policy allocation task according to the target insurance application data and the insurance policy allocation condition, including: Filtering at least one insurance record that meets the policy allocation condition from the target insurance data; Based on the preset insurance policy allocation task template and the insurance record, an insurance policy allocation task is generated.

5. The method according to claim 1, characterized in that Determining the target service agent corresponding to the current policy allocation task according to the matching result includes: If the matching result is successful, the successfully matched relevant agent is used as the target service agent corresponding to the current policy allocation task; If the matching result is a match failure, then based on the agent service capability scoring rule, according to the customer activity area and policy insurance type of the policy to be processed in the current policy allocation task, and the service data associated with the candidate agents in the candidate agent list, score each candidate agent in the candidate agent list to obtain a corresponding service capability score for each candidate agent; The highest service capability score is extracted from each service capability score, and the candidate agent corresponding to the highest service capability score is determined as the target service agent corresponding to the current insurance policy allocation task.

6. A device for determining an insurance policy agent, characterized in that: Deployed in a server, the device comprises: A data update module, used to obtain the change data obtained in response to the data change operation from the client, and update the historical insurance data according to the change data to obtain the target insurance data, and store the target insurance data into the cache; wherein the target insurance data includes the target policy data, the target insurance type data and the target agent data; An agent list determination module, used to determine a list of candidate agents who can provide services based on the target agent data and agent screening conditions; The allocation task generation module is used to generate at least one policy allocation task according to the target insurance data and the policy allocation conditions, and store the at least one policy allocation task in the message queue; wherein the policy allocation conditions include at least one of the following: the label of the policy type is a valid type, and the status of the policy type is an expiration termination status or an expiration termination status; the agent status of the policy is a resignation status; An allocation task reading module, used for reading the current policy allocation tasks to be processed from the message queue; A service agent determination module is used to analyze the current insurance policy allocation task according to the target insurance application data, the candidate agent list, and the association relationship between the target insurance policy data, the target insurance type data and the target agent data stored in the cache, and obtain the target service agent corresponding to the current insurance policy allocation task; Wherein, the service agent determination module includes: A key task information extraction unit, used to extract key task information from the task data of the current policy allocation task; wherein the key task information includes the first policy identifier, the first sales channel, the first policyholder identifier, the first insured identifier, the issuing agent identifier and the original service agent identifier of the policy to be processed; A related agent screening unit is used to screen out related agents related to the key task information from the target insurance data according to the key task information and the information priority of the information in the key task information, and the association relationship between the target policy data, the target insurance type data and the target agent data stored in the cache, including: when the issuing agent identifier and the original service agent identifier of the to-be-processed policy are not in the candidate agent list, determine the target search condition, and extract the related policies that meet the target search condition from the target insurance data based on the association relationship between the target policy data, the target insurance type data and the target agent data stored in the cache; use the service agent of the related policy as the related agent related to the key task information; wherein the information priority of the information in the key task information is, from largest to smallest: issuing agent identifier, original service agent identifier, first policyholder identifier and first insured identifier; a matching result determination unit, configured to match the relevant agent with the candidate agents in the candidate agent list to obtain a matching result; The service agent determination unit is used to determine the target service agent corresponding to the current insurance policy allocation task according to the matching result.

7. An electronic device, characterized in that: The electronic device comprises: at least one processor; and a memory communicatively connected to the at least one processor; wherein, The memory stores a computer program executable by the at least one processor, and the computer program is executed by the at least one processor so that the at least one processor can execute the insurance policy agent determination method according to any one of claims 1 to 5.

8. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores computer instructions, and the computer instructions are used to enable a processor to implement the insurance policy agent determination method described in any one of claims 1-5 when executed.

9. A computer program product, comprising a computer program, wherein when the computer program is executed by a processor, the method for determining an insurance policy agent according to any one of claims 1 to 5 is implemented.

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