Insurance renewal information generation method and device, electronic equipment and storage medium

Abstract

The invention provides an insurance renewal information generation method and device, electronic equipment and a storage medium, and the method comprises the steps: determining a user to be subjected to insurance renewal from initial users, determining the self-service insurance renewal probability of the user to be subjected to insurance renewal, obtaining the access times of the user to be subjected to insurance renewal and each access behavior related to the insurance to be subjected to insurance renewal, according to the access times of each user to be renewed, determining the total access times of the access behaviors related to the insurance to be renewed of each user, determining a target ratio between the access times of each access behavior of each user to be renewed of insurance and the total access times, and according to at least one target ratio and the self-service insurance renewal probability, performing self-service insurance renewal on each user to be renewed of insurance. According to the method, the target insurance renewal information corresponding to each user to be subjected to insurance renewal is generated, so that the insurance renewal prompt information meeting user preferences can be generated, personalized insurance renewal prompt can be performed for different users, and the user experience is improved.

Description

Technical Field

[0001] The present disclosure relates to the field of data processing technology, and in particular to a renewal information generation method, device, electronic device and storage medium. Background Art

[0002] In the related art, users are usually prompted to renew their insurance based on message reminders. However, some users may not be able to accept messages sent by the insurance company during the renewal period, and some users may prefer different message reminder methods. For example, some customers prefer page pop-up reminders, while some customers prefer phone reminders. Therefore, when users are prompted to renew their insurance based on message reminders, the needs of different users cannot be met, affecting the user experience. Summary of the invention

[0003] The present disclosure proposes a renewal information generation method, device, electronic device, storage medium and computer program product, aiming to solve the technical problems in the related technologies at least to a certain extent.

[0004] The first aspect of the present disclosure provides a renewal information generation method, the method comprising: determining users to be renewed from initial users; determining the self-service renewal probability of the users to be renewed for the insurance to be renewed; obtaining the number of visits of each visit behavior related to the insurance to be renewed by the users to be renewed; determining the total number of visits of each user to be renewed and the insurance to be renewed based on the number of visits of each visit behavior of each user to be renewed; determining a target ratio between the number of visits of each visit behavior of each user to be renewed and the total number of visits; and generating target renewal information corresponding to each user to be renewed based on at least one target ratio and the self-service renewal probability.

[0005] The second aspect of the present disclosure provides a renewal information generating device, which includes: a first determination module, used to determine the users to be renewed from the initial users; a second determination module, used to determine the self-service renewal probability of the users to be renewed for the insurance to be renewed; an acquisition module, used to obtain the number of visits of each visit behavior related to the insurance to be renewed by the users to be renewed; a third determination module, used to determine the total number of visits of each user to be renewed and the access behavior related to the insurance to be renewed based on the number of visits of each user to be renewed; a fourth determination module, used to determine a target ratio between the number of visits of each visit behavior of each user to be renewed and the total number of visits; and a generation module, used to generate target renewal information corresponding to each user to be renewed based on at least one target ratio and the self-service renewal probability.

[0006] An embodiment of the third aspect of the present disclosure proposes an electronic device, comprising: a processor; a memory for storing processor executable instructions; wherein the processor is configured to execute instructions to implement a renewal information generation method as in the embodiment of the first aspect of the present disclosure.

[0007] The fourth aspect embodiment of the present disclosure proposes a computer-readable storage medium. When the instructions in the computer-readable storage medium are executed by the processor of an electronic device, the electronic device can implement the renewal information generation method as in the first aspect embodiment of the present disclosure.

[0008] The fifth aspect embodiment of the present disclosure proposes a computer program product, including a computer program, characterized in that the computer program is executed by a processor as the renewal information generation method of the first aspect embodiment of the present disclosure.

[0009] The renewal information generation method, device, electronic device, storage medium and computer program product proposed in this embodiment have at least the following beneficial effects: by determining the users to be renewed from the initial users, determining the probability of self-service renewal of the insurance to be renewed by the users to be renewed, obtaining the number of visits of each visit behavior related to the insurance to be renewed by the users to be renewed, determining the total number of visits of each user to be renewed and related to the insurance to be renewed based on the number of visits of each user to be renewed, determining the target ratio between the number of visits of each visit behavior of each user to be renewed and the total number of visits, and generating target renewal information corresponding to each user to be renewed based on at least one target ratio and the probability of self-service renewal, thereby generating renewal reminder information that meets the user's preferences, thereby providing personalized renewal reminders for different users and improving user experience.

[0010] Additional aspects and advantages of the present disclosure will be given in part in the following description and in part will be obvious from the following description or learned through practice of the present disclosure. BRIEF DESCRIPTION OF THE DRAWINGS

[0011] The above and / or additional aspects and advantages of the present disclosure will become apparent and easily understood from the following description of the embodiments in conjunction with the accompanying drawings, in which:

[0012] Figure 1 is a flowchart of a method for generating renewal information according to the first embodiment of the present disclosure;

[0013] Figure 2 is a flowchart of a method for generating renewal information according to the second embodiment of the present disclosure;

[0014] Figure 3 is a block diagram of a device for generating renewal information according to the present disclosure;

[0015] Figure 4 A block diagram of an exemplary electronic device suitable for implementing embodiments of the present disclosure is shown. DETAILED DESCRIPTION

[0016] Embodiments of the present disclosure are described in detail below, and examples of the embodiments are shown in the accompanying drawings, wherein the same or similar reference numerals throughout represent the same or similar elements or elements having the same or similar functions. The embodiments described below with reference to the accompanying drawings are exemplary and are only used to explain the present disclosure, and are not to be construed as limitations of the present disclosure. On the contrary, the embodiments of the present disclosure include all changes, modifications, and equivalents that fall within the spirit and connotation of the appended claims.

[0017] It should be noted that the execution subject of the renewal information generation method of this embodiment may be a first server, and the first server may be configured in an electronic device, and the electronic device may include but is not limited to a terminal, a server, and the like.

[0018] It should be noted that the process of obtaining, storing, using, and processing information in the disclosed technical solution complies with the relevant provisions of national laws and regulations and does not violate public order and good morals.

[0019] It should be noted that in the embodiments of the present application, there may be existing solutions in the industry such as certain software, components, models, etc., which should be regarded as exemplary. Their purpose is only to illustrate the feasibility of implementing the technical solution of the present application, but it does not mean that the applicant has or will necessarily use the relevant content of the solution.

[0020] Figure 1 is a flow chart of a method for generating renewal information according to the first embodiment of the present disclosure, such as Figure 1 As shown, the method includes:

[0021] S101: Determine users to be renewed from initial users.

[0022] Among them, the initial users are relevant users of the insurance policy, such as the policyholder, the insured, etc., and there are no restrictions on this.

[0023] Among them, users awaiting renewal refer to users whose relevant insurance is about to expire and who are looking forward to renewing their insurance.

[0024] In some embodiments, determining the users to be renewed from the initial users may be to determine the initial users, obtain the policy information related to the initial users, and determine the policies whose insurance effective end time is less than a preset time based on the insurance effective time in the policy information, and identify the policyholders, insured persons, etc. related to the policy as the users to be renewed, without any restriction.

[0025] Optionally, in some embodiments, determining the users to be renewed from the initial users may be to determine whether each user to be renewed has an authorization record for online services and multimedia platform message prompts. If the user to be renewed has an authorization record for online services and multimedia platforms, the corresponding initial user will be regarded as the user to be renewed.

[0026] Among them, online services include online non-public accounts, web pages, etc., which are not restricted.

[0027] Among them, multimedia platforms include, for example: official accounts, mini-programs, applications, etc., without limitation.

[0028] Among them, when the user to be renewed has authorized message reminders for online services and multimedia platforms, the online services and multimedia platforms will push message reminders to the user during the use of the online services and multimedia platforms. When the user to be renewed has not authorized message reminders for online services and multimedia platforms, the online services and multimedia platforms will not push message reminders to the user during the use of the online services and multimedia platforms.

[0029] Among them, the authorization record is used to describe whether the user has message prompt authorization for online services and multimedia platforms.

[0030] That is to say, in order to prompt the user experience, if the user to be renewed has an authorization record for online services and multimedia platforms, the corresponding initial user can be treated as the user to be renewed, so that the user can be prompted to renew the insurance in the future by means of message prompts based on the online services and multimedia platforms.

[0031] S102: Determine the probability of self-renewal of the insurance to be renewed by the user.

[0032] Among them, the self-service renewal probability refers to the probability that users spontaneously initiate renewal without any renewal information prompts.

[0033] In the disclosed embodiment, determining the self-service renewal probability of the insurance to be renewed by the user to be renewed may be by obtaining the self-service renewal probability of other insurances by the user to be renewed within a historical event period, and the policy information of other insurances, and inputting the self-service renewal probability of other insurances by the user to be renewed within the historical event period, the policy information of the insurance to be renewed, and the policy information of other insurances into the big model together, so as to obtain the self-service renewal probability of the insurance to be renewed by the user to be renewed as output by the big model.

[0034] S103: Obtain the number of visits of each visit behavior of the user to be renewed and related to the insurance to be renewed.

[0035] In the disclosed embodiment, the access behavior includes at least one of the following: telephone access behavior; online service access behavior; multimedia platform access behavior.

[0036] In the embodiment of the present disclosure, when information related to the insurance to be renewed is present in a visit behavior of the user to be renewed, it can be determined that the user to be renewed has a visit behavior related to the insurance to be renewed, and the number of visits of this type of visit behavior of the user to be renewed related to the insurance to be renewed can be increased by one.

[0037] S104: Determine the total number of visits of each user related to the insurance to be renewed based on the number of visits of each user.

[0038] In the embodiment of the present disclosure, after obtaining the number of visits of each visit behavior related to the insurance to be renewed by the user to be renewed, the sum of the number of visits of each visit behavior related to the insurance to be renewed by the user to be renewed can be determined, and the sum can be determined as the total number of visits of each user's visit behavior related to the insurance to be renewed.

[0039] S105: Determine a target ratio between the number of visits for each visit behavior of each user to be renewed and the total number of visits.

[0040] In the embodiment of the present disclosure, after obtaining the number of visits of each visit behavior related to the insurance to be renewed by the user to be renewed, and determining the total number of visits of each user and the insurance to be renewed based on the number of visits of each user to be renewed, it is possible to respectively determine the target ratio between the number of visits of each visit behavior and the total number of visits.

[0041] Optionally, in some embodiments, a target ratio between the number of visits and the total number of visits for each visit behavior of each user to be renewed is determined, which may be to determine a first ratio between a first number of visits for telephone visit behavior and the total number of visits, to determine a second ratio between a second number of visits for online service visit behavior and the total number of visits, to determine a third ratio between a third number of visits for multimedia platform access behavior and the total number of visits, and to use the first ratio, the second ratio and the third ratio as target ratios.

[0042] S106: Generate target renewal information corresponding to each user to be renewed according to at least one target ratio and the self-service renewal probability.

[0043] In the disclosed embodiment, after determining the target ratio between the number of visits for each visit behavior of each user to be renewed and the total number of visits, target renewal information corresponding to each user to be renewed can be generated based on at least one target ratio and the self-service renewal probability.

[0044] Among them, the target renewal information is personalized renewal recommendation information that matches the user to be renewed. The information may be, for example: renewal reminder time, renewal reminder time, renewal reminder information, and renewal reminder information may be, for example, a speech template to remind the user to renew, etc., and there is no restriction on this.

[0045] In some embodiments, target renewal information corresponding to each user to be renewed is generated based on at least one target ratio and a self-service renewal probability, which may be by obtaining a mapping relationship between a reference ratio and reference renewal information, and obtaining a mapping relationship between a reference renewal probability and reference renewal information, and then matching the target renewal information corresponding to the target ratio and the self-service renewal probability based on the mapping relationship between the reference ratio and the reference renewal information, and the mapping relationship between the reference renewal probability and the reference renewal information.

[0046] In other embodiments, the corresponding artificial intelligence model can also be pre-trained according to the mapping relationship between the reference ratio and the reference renewal information, and the mapping relationship between the reference renewal probability and the reference renewal information until the artificial intelligence model converges, and the target ratio and the self-service renewal probability are input into the trained artificial intelligence model to obtain the target renewal information corresponding to each user to be renewed output by the model, without limitation.

[0047] In the disclosed embodiment, by determining the users to be renewed from the initial users, determining the probability of self-service renewal of the insurance to be renewed by the users to be renewed, obtaining the number of visits of each visit behavior related to the insurance to be renewed by the users to be renewed, determining the total number of visits of each user to be renewed and related to the insurance to be renewed based on the number of visits of each user to be renewed, determining the target ratio between the number of visits of each visit behavior of each user to be renewed and the total number of visits, and generating target renewal information corresponding to each user to be renewed based on at least one target ratio and the self-service renewal probability, thereby generating renewal reminder information that meets the user's preferences, thereby enabling personalized renewal reminders for different users and improving the user experience.

[0048] Figure 2 is a flow chart of a method for generating renewal information according to a second embodiment of the present disclosure, such as Figure 2 As shown, the method includes:

[0049] S201: Determine users to be renewed from initial users.

[0050] S202: Determine the probability of self-renewal of the insurance to be renewed by the user.

[0051] S203: Obtain the number of visits of each visit behavior of the user to be renewed and related to the insurance to be renewed.

[0052] S204: Determine the total number of visits of each user related to the insurance to be renewed based on the number of visits of each visit behavior of each user to be renewed.

[0053] The specific description of S201 - S204 can be found in the above embodiment, which will not be repeated here.

[0054] S205: Determine a first mapping relationship between a reference renewal probability and reference discount information, a second mapping relationship between a reference renewal probability and reference renewal reminder information, and a third mapping relationship between a reference renewal probability and a reference renewal reminder period.

[0055] Among them, the reference renewal probability refers to the preset renewal probability, and corresponding reference discount information, reference renewal reminder information and reference renewal reminder period are preset for each reference renewal probability, that is, there is a first mapping relationship between the reference renewal probability and the reference discount information, a second mapping relationship between the reference renewal probability and the reference renewal reminder information, and a third mapping relationship between the reference renewal probability and the reference renewal reminder period, see Table 1 below, which describes the reference discount information, reference renewal reminder information and reference renewal reminder period corresponding to each reference renewal probability.

[0056] Table 1

[0057]

[0058] S206: Determine target renewal discount information corresponding to the user to be renewed according to the self-service renewal probability and the first mapping relationship.

[0059] That is to say, in the embodiment of the present disclosure, reference renewal discount information corresponding to the self-service renewal probability can be determined based on the self-service renewal probability and the first mapping relationship, and the reference renewal discount information corresponding to the self-service renewal probability can be used as the target renewal discount information.

[0060] S207: Determine target renewal prompt information corresponding to the user to be renewed according to the self-service renewal probability and the second mapping relationship.

[0061] That is to say, in the embodiment of the present disclosure, reference renewal prompt information corresponding to the self-service renewal probability can be determined based on the self-service renewal probability and the second mapping relationship, and the reference renewal prompt information corresponding to the self-service renewal probability can be used as the target renewal prompt information.

[0062] S208: Determine a target renewal reminder cycle corresponding to the user to be renewed according to the self-service renewal probability and the third mapping relationship.

[0063] That is to say, in the embodiment of the present disclosure, a reference renewal reminder period corresponding to the self-service renewal probability can be determined based on the self-service renewal probability and the third mapping relationship, and the reference renewal reminder period corresponding to the self-service renewal probability can be used as the target renewal reminder period.

[0064] S209: Determine a primary renewal reminder method and a secondary renewal reminder method corresponding to the user to be renewed according to the target ratio and the self-service renewal probability.

[0065] Among them, the main renewal reminder method refers to the reminder method that needs to be used in priority during the renewal process for users to be renewed. The main renewal reminder method is a must-have reminder method, which lasts for a long period of time and has a large number of reminders. The auxiliary renewal reminder method, as a backup measure for the main renewal reminder method, is usually made when the policy expiration date is approaching and the user has not made a renewal action after being prompted by the main renewal reminder method. The auxiliary renewal reminder method is a reminder method that may not necessarily be made. It starts later than the main renewal reminder method, lasts for a shorter period of time, and has a small number of reminders.

[0066] In the disclosed embodiment, the renewal reminder method includes: telephone reminder, pop-up message reminder of online service and message push reminder of multimedia platform;

[0067] Optionally, in some embodiments, the primary renewal reminder method and the auxiliary renewal reminder method corresponding to the user to be renewed are determined according to the target ratio and the self-service renewal probability. When the first ratio is greater than or equal to the ratio threshold, the primary renewal reminder method is determined to be a telephone reminder, and the auxiliary renewal reminder method is a message pop-up window reminder, and / or a message push reminder. When the second ratio is greater than or equal to the ratio threshold, the primary renewal reminder method is determined to be a message pop-up window reminder, and the auxiliary renewal reminder method is a telephone reminder, and / or a message push reminder. When the third ratio is greater than or equal to the ratio threshold, the primary renewal reminder method is determined to be a message push reminder, and the auxiliary renewal reminder method is a telephone reminder, and / or a message pop-up window reminder. When the first ratio, the second ratio, and the third ratio are all less than the ratio threshold, the maximum number of visits is determined from the first number of visits, the second number of visits, and the third number of visits, and the primary renewal reminder method and the auxiliary renewal reminder method are determined according to the maximum number of visits.

[0068] In the disclosed embodiment, telephone access behavior is associated with telephone prompts, online service access behavior is associated with message pop-up prompts, and multimedia platform access behavior is associated with message push prompts.

[0069] Optionally, in some embodiments, the primary renewal reminder method and the secondary renewal reminder method are determined based on the number of visits with the largest value, and the renewal reminder method associated with the access behavior corresponding to the number of visits with the largest value may be determined as the primary renewal reminder method, and at least one of the renewal reminder methods other than the primary renewal reminder method may be determined as the secondary renewal reminder method.

[0070] In the embodiment of the present disclosure, when it is determined that the renewal reminder method is a message pop-up prompt, the online service for pushing the message pop-up may be further determined. For example, the online service with the highest number of user uses may be determined, and a message pop-up may be displayed in the display interface of the online service to display the renewal reminder information, thereby enabling the message pop-up to be accurately pushed, thereby increasing the probability of users being informed.

[0071] S210: Taking at least one of the target renewal discount information, the target renewal reminder information, the target renewal reminder period, the primary renewal reminder method, and the secondary renewal reminder method as the target renewal information.

[0072] In the disclosed embodiment, after the target renewal discount information, the target renewal reminder information, the target renewal reminder period, the primary renewal reminder method and the auxiliary renewal reminder method are determined, at least one of the target renewal discount information, the target renewal reminder information, the target renewal reminder period, the primary renewal reminder method and the auxiliary renewal reminder method may be used as the target renewal information. Thus, comprehensive and personalized renewal reminder information can be determined for the user to be renewed from multiple dimensions such as the renewal discount information, the renewal reminder information, the renewal reminder period, the primary renewal reminder method and the auxiliary renewal reminder method, thereby fully meeting the personalized renewal reminder needs of the user, thereby providing personalized renewal reminders for different users and improving the user experience.

[0073] In the embodiment of the present disclosure, after at least one of the target renewal discount information, the target renewal reminder information, the target renewal reminder period, the primary renewal reminder method and the auxiliary renewal reminder method is used as the target renewal information, the target renewal discount information and the target renewal reminder information may be pushed to the user to be renewed according to the target renewal reminder period, based on the primary renewal reminder method and the auxiliary renewal reminder method.

[0074] In the embodiment of the present disclosure, by determining the to-be-renewed user from the initial user, determining the self-service renewal probability of the to-be-renewed user for the insurance to be renewed, obtaining the number of visits of each visit behavior related to the to-be-renewed user and the insurance to be renewed, determining the total number of visits of each user and the insurance to be renewed based on the number of visits of each visit behavior of each to-be-renewed user, determining a first mapping relationship between a reference renewal probability and reference discount information, a second mapping relationship between a reference renewal probability and reference renewal reminder information, and a third mapping relationship between a reference renewal probability and a reference renewal reminder period, determining the target renewal discount information corresponding to the to-be-renewed user based on the self-service renewal probability and the first mapping relationship, and determining the target renewal discount information corresponding to the to-be-renewed user based on the self-service renewal probability and the second mapping relationship. The renewal reminder information determines the target renewal reminder period corresponding to the user to be renewed according to the self-service renewal probability and the third mapping relationship, determines the main renewal reminder method and the auxiliary renewal reminder method corresponding to the user to be renewed according to the target ratio and the self-service renewal probability, and uses at least one of the target renewal discount information, the target renewal reminder information, the target renewal reminder period, the main renewal reminder method and the auxiliary renewal reminder method as the target renewal information. Thus, comprehensive and personalized renewal reminder information can be determined for the user to be renewed from multiple dimensions such as the renewal discount information, the renewal reminder information, the renewal reminder period, the main renewal reminder method and the auxiliary renewal reminder method, so as to fully meet the personalized renewal reminder needs of the user, so as to provide personalized renewal reminders for different users and improve the user experience.

[0075] Figure 3 is a block diagram of a renewal information generating device according to the present disclosure, such as Figure 3 As shown, the renewal information generating device 30 includes:

[0076] The first determination module 301 is used to determine the users to be renewed from the initial users;

[0077] The second determination module 302 is used to determine the self-renewal probability of the insurance to be renewed by the user to be renewed;

[0078] The acquisition module 303 is used to acquire the number of visits of each visit behavior of the user to be renewed and related to the insurance to be renewed;

[0079] The third determination module 304 is used to determine the total number of access behaviors of each user related to the insurance to be renewed according to the number of accesses of each access behavior of each user to be renewed;

[0080] The fourth determination module 305 is used to determine a target ratio between the number of visits of each visit behavior of each user to be renewed and the total number of visits;

[0081] The generating module 306 is used to generate target renewal information corresponding to each user to be renewed according to at least one target ratio and the self-renewal probability.

[0082] In some embodiments of the present disclosure, the access behavior includes at least one of the following:

[0083] Telephone interview behavior;

[0084] Online service access behavior;

[0085] Multimedia platform access behavior.

[0086] In some embodiments of the present disclosure, the fourth determining module 305 is further configured to:

[0087] Determine a first ratio between the first access number and the total access number of the telephone access behavior;

[0088] Determine a second ratio between the second number of visits and the total number of visits of the online service access behavior;

[0089] determining a third ratio between a third number of visits and a total number of visits of the multimedia platform access behavior;

[0090] The first ratio, the second ratio and the third ratio are taken as target ratios.

[0091] In some embodiments of the present disclosure, the generating module 306 is further configured to:

[0092] Determine a first mapping relationship between a reference renewal probability and reference discount information, a second mapping relationship between a reference renewal probability and reference renewal reminder information, and a third mapping relationship between a reference renewal probability and a reference renewal reminder period;

[0093] Determine target renewal discount information corresponding to the user to be renewed according to the self-service renewal probability and the first mapping relationship;

[0094] Determine the target renewal prompt information corresponding to the user to be renewed according to the self-service renewal probability and the second mapping relationship;

[0095] According to the self-service renewal probability and the third mapping relationship, determine the target renewal reminder cycle corresponding to the user to be renewed;

[0096] Determine the primary renewal reminder method and the secondary renewal reminder method corresponding to the user to be renewed based on the target ratio and the self-service renewal probability;

[0097] At least one of the target renewal discount information, the target renewal reminder information, the target renewal reminder period, the primary renewal reminder method and the secondary renewal reminder method is used as the target renewal information.

[0098] In some embodiments of the present disclosure, the renewal reminder method includes: telephone reminder, pop-up message reminder of online service and message push reminder of multimedia platform;

[0099] The generating module 306 is further used for:

[0100] When the first ratio is greater than or equal to the ratio threshold, determining that the primary renewal reminder method is a telephone reminder, and the secondary renewal reminder method is a message pop-up reminder, and / or a message push reminder;

[0101] When the second ratio is greater than or equal to the ratio threshold, determining that the primary renewal reminder method is a pop-up message reminder, and the secondary renewal reminder method is a telephone reminder, and / or a message push reminder;

[0102] When the third ratio is greater than or equal to the ratio threshold, determining that the primary renewal reminder method is a message push reminder, and the secondary renewal reminder method is a phone reminder, and / or a message pop-up window reminder;

[0103] When the first ratio, the second ratio and the third ratio are all smaller than the ratio threshold, the maximum number of visits is determined from the first number of visits, the second number of visits and the third number of visits, and the primary renewal reminder method and the auxiliary renewal reminder method are determined according to the maximum number of visits.

[0104] In some embodiments of the present disclosure, telephone access behavior is associated with telephone prompts, online service access behavior is associated with message pop-up prompts, and multimedia platform access behavior is associated with message push prompts;

[0105] The generating module 306 is further used for:

[0106] Determine the renewal reminder method associated with the access behavior corresponding to the largest number of accesses as the primary renewal reminder method;

[0107] At least one of the renewal reminder methods other than the primary renewal reminder method is determined as a secondary renewal reminder method.

[0108] In some embodiments of the present disclosure, the first determining module 301 is further configured to:

[0109] Determine whether each user to be renewed has an authorization record for online services and multimedia platform message prompts;

[0110] If the user to be renewed has an authorization record for online services and multimedia platforms, the corresponding initial user will be regarded as the user to be renewed.

[0111] It should be noted that the above explanation of the renewal information generating method is also applicable to the renewal information generating device of this embodiment, and will not be repeated here.

[0112] In the disclosed embodiment, by determining the users to be renewed from the initial users, determining the probability of self-service renewal of the insurance to be renewed by the users to be renewed, obtaining the number of visits of each visit behavior related to the insurance to be renewed by the users to be renewed, determining the total number of visits of each user to be renewed and related to the insurance to be renewed based on the number of visits of each user to be renewed, determining the target ratio between the number of visits of each visit behavior of each user to be renewed and the total number of visits, and generating target renewal information corresponding to each user to be renewed based on at least one target ratio and the self-service renewal probability, thereby generating renewal reminder information that meets the user's preferences, thereby enabling personalized renewal reminders for different users and improving the user experience.

[0113] Figure 4 A block diagram of an exemplary electronic device suitable for implementing embodiments of the present disclosure is shown.

[0114] Figure 4 The electronic device 12 shown is only an example and should not bring any limitation to the functions and scope of use of the embodiments of the present disclosure.

[0115] like Figure 4 As shown, the electronic device 12 is in the form of a general purpose computing device. The components of the electronic device 12 may include, but are not limited to: one or more processors or processing units 16, a memory 28, and a bus 18 that connects various system components (including the memory 28 and the processing unit 16).

[0116] The bus 18 represents one or more of several types of bus structures, including a memory bus or memory controller, a peripheral bus, a graphics acceleration port, a processor or a local bus using any of a variety of bus structures. For example, these architectures include but are not limited to Industry Standard Architecture (ISA) bus, Micro Channel Architecture (MAC) bus, Enhanced ISA bus, Video Electronics Standards Association (VESA) local bus and Peripheral Component Interconnection (PCI) bus.

[0117] The electronic device 12 typically includes a variety of computer system readable media. These media can be any available media that can be accessed by the electronic device 12, including volatile and non-volatile media, removable and non-removable media.

[0118] The memory 28 may include computer system readable media in the form of volatile memory, such as random access memory (RAM) 30 and / or cache memory 32. The electronic device 12 may further include other removable / non-removable, volatile / non-volatile computer system storage media. By way of example only, the storage system 34 may be used to read and write non-removable, non-volatile magnetic media ( Figure 4 Not shown, often called a "hard drive").

[0119] although Figure 4 Not shown in the figure, a disk drive for reading and writing a removable non-volatile disk (e.g., a "floppy disk"), and an optical disk drive for reading and writing a removable non-volatile optical disk (e.g., a compact disc read only memory (hereinafter referred to as: CD-ROM), a digital versatile disc read only memory (hereinafter referred to as: DVD-ROM) or other optical media) may be provided. In these cases, each drive may be connected to the bus 18 via one or more data medium interfaces. The memory 28 may include at least one program product having a set (e.g., at least one) of program modules that are configured to perform the functions of the various embodiments of the present disclosure.

[0120] A program / utility 40 having a set (at least one) of program modules 42 may be stored, for example, in the memory 28, such program modules 42 including but not limited to an operating system, one or more application programs, other program modules, and program data, each of which or some combination may include an implementation of a network environment. The program modules 42 generally perform the functions and / or methods of the embodiments described in the present disclosure.

[0121] The electronic device 12 may also communicate with one or more external devices 14 (e.g., keyboard, pointing device, display 24, etc.), may also communicate with one or more devices that enable the human body to interact with the electronic device 12, and / or communicate with any device that enables the electronic device 12 to communicate with one or more other computing devices (e.g., network card, modem, etc.). Such communication may be performed through an input / output (I / O) interface 22. In addition, the electronic device 12 may also communicate with one or more networks (e.g., a local area network (LAN), a wide area network (WAN), and / or a public network, such as the Internet) through a network adapter 20. As shown, the network adapter 20 communicates with other modules of the electronic device 12 through a bus 18. It should be understood that, although not shown in the figure, other hardware and / or software modules may be used in conjunction with the electronic device 12, including but not limited to: microcode, device drivers, redundant processing units, external disk drive arrays, RAID systems, tape drives, and data backup storage systems.

[0122] The processing unit 16 executes various functional applications and parameter information determination by running the program stored in the memory 28, such as implementing the business data storage method mentioned in the above embodiment, or implementing the business data acquisition method mentioned in the above embodiment.

[0123] It should be noted that, in the description of the present disclosure, the terms "first", "second", etc. are only used for descriptive purposes and cannot be understood as indicating or implying relative importance. In addition, in the description of the present disclosure, unless otherwise specified, the meaning of "plurality" is two or more.

[0124] Any process or method description in a flowchart or otherwise described herein may be understood to represent a module, segment or portion of code that includes one or more executable instructions for implementing the steps of a specific logical function or process, and the scope of the preferred embodiments of the present disclosure includes alternative implementations in which functions may not be performed in the order shown or discussed, including performing functions in a substantially simultaneous manner or in the reverse order depending on the functions involved, which should be understood by those skilled in the art to which the embodiments of the present disclosure belong.

[0125] It should be understood that the various parts of the present disclosure can be implemented in hardware, software, firmware or a combination thereof. In the above-mentioned embodiments, multiple steps or methods can be implemented in software or firmware stored in a memory and executed by a suitable instruction execution system. For example, if implemented in hardware, as in another embodiment, it can be implemented by any one of the following technologies known in the art or their combination: a discrete logic circuit having a logic gate circuit for implementing a logic function for a data signal, a dedicated integrated circuit having a suitable combination of logic gate circuits, a programmable gate array (PGA), a field programmable gate array (FPGA), etc.

[0126] A person skilled in the art may understand that all or part of the steps in the method for implementing the above-mentioned embodiment may be completed by instructing related hardware through a program, and the program may be stored in a computer-readable storage medium, which, when executed, includes one or a combination of the steps of the method embodiment.

[0127] In addition, each functional unit in each embodiment of the present disclosure may be integrated into a processing module, or each unit may exist physically separately, or two or more units may be integrated into one module. The above-mentioned integrated module may be implemented in the form of hardware or in the form of a software functional module. If the integrated module is implemented in the form of a software functional module and sold or used as an independent product, it may also be stored in a computer-readable storage medium.

[0128] The storage medium mentioned above can be a read-only memory, a magnetic disk or an optical disk, etc.

[0129] In the description of this specification, the description with reference to the terms "one embodiment", "some embodiments", "example", "specific example", or "some examples" means that the specific features, structures, materials or characteristics described in conjunction with the embodiment or example are included in at least one embodiment or example of the present disclosure. In this specification, the schematic representation of the above terms does not necessarily refer to the same embodiment or example. Moreover, the specific features, structures, materials or characteristics described may be combined in any one or more embodiments or examples in a suitable manner.

[0130] Although the embodiments of the present disclosure have been shown and described above, it is to be understood that the above embodiments are exemplary and are not to be construed as limitations of the present disclosure. A person skilled in the art may change, modify, replace and vary the above embodiments within the scope of the present disclosure.

Claims

1. A method for generating renewal information, characterized in that: The method comprises: Identify users to be renewed from initial users; Determining the probability of self-renewal of the insurance to be renewed by the user to be renewed; Obtaining the number of visits of each visit behavior of the to-be-renewed user related to the to-be-renewed insurance; Determine the total number of accesses of each user related to the insurance to be renewed based on the number of accesses of each access behavior of each user to be renewed; Determine a target ratio between the number of visits of each visit behavior of each user to be renewed and the total number of visits; According to at least one of the target ratios and the self-service renewal probability, target renewal information corresponding to each of the users to be renewed is generated.

2. The method according to claim 1, characterized in that The access behavior includes at least one of the following: Telephone interview behavior; Online service access behavior; Multimedia platform access behavior.

3. The method according to claim 2, characterized in that The determining of a target ratio between the number of visits of each visit behavior of each user to be renewed and the total number of visits includes: Determine a first ratio between the first access number of the telephone access behavior and the total access number; Determine a second ratio between a second number of visits to the online service access behavior and the total number of visits; Determining a third ratio between a third number of accesses of the multimedia platform access behavior and the total number of accesses; The first ratio, the second ratio and the third ratio are used as the target ratio.

4. The method according to claim 3, characterized in that The generating target renewal information corresponding to each of the to-be-renewed users according to at least one of the target ratios and the self-service renewal probability includes: Determine a first mapping relationship between a reference renewal probability and reference discount information, a second mapping relationship between the reference renewal probability and reference renewal reminder information, and a third mapping relationship between the reference renewal probability and reference renewal reminder period; Determining target renewal discount information corresponding to the user to be renewed according to the self-service renewal probability and the first mapping relationship; Determining target renewal prompt information corresponding to the user to be renewed according to the self-service renewal probability and the second mapping relationship; Determining a target renewal reminder period corresponding to the user to be renewed according to the self-service renewal probability and the third mapping relationship; Determining a primary renewal reminder method and a secondary renewal reminder method corresponding to the user to be renewed according to the target ratio and the self-service renewal probability; At least one of the target renewal discount information, the target renewal reminder information, the target renewal reminder period, the primary renewal reminder method and the auxiliary renewal reminder method is used as the target renewal information.

5. The method according to claim 4, characterized in that The renewal reminder methods include: telephone reminders, pop-up reminders of online services, and message push reminders on multimedia platforms; Wherein, determining the primary renewal prompting method and the secondary renewal prompting method corresponding to the user to be renewed according to the target ratio and the self-service renewal probability includes: When the first ratio is greater than or equal to a ratio threshold, determining that the primary renewal reminder method is the telephone reminder, and the secondary renewal reminder method is the message pop-up window reminder, and / or the message push reminder; When the second ratio is greater than or equal to the ratio threshold, determining that the primary renewal reminder method is the message pop-up reminder, and the secondary renewal reminder method is the telephone reminder, and / or the message push reminder; When the third ratio is greater than or equal to the ratio threshold, determining that the primary renewal reminder method is the message push reminder, and the secondary renewal reminder method is the telephone reminder, and / or the message pop-up window reminder; When the first ratio, the second ratio and the third ratio are all smaller than the ratio threshold, the maximum number of visits is determined from the first number of visits, the second number of visits and the third number of visits, and the primary renewal reminder method and the auxiliary renewal reminder method are determined according to the maximum number of visits.

6. The method according to claim 5, characterized in that The telephone access behavior is associated with the telephone prompt, the online service access behavior is associated with the message pop-up prompt, and the multimedia platform access behavior is associated with the message push prompt; The determining of the primary renewal reminder mode and the secondary renewal reminder mode according to the maximum number of visits includes: Determine the renewal reminder method associated with the access behavior corresponding to the maximum number of accesses as the main renewal reminder method; At least one of the renewal reminder methods except the primary renewal reminder method is determined as the auxiliary renewal reminder method.

7. The method according to claim 1, characterized in that The step of determining the users to be renewed from the initial users includes: Determine whether each of the to-be-renewed users has an authorization record for online services and multimedia platform message prompts; In the case that the user to be renewed has the authorization record for the online service and the multimedia platform, the corresponding initial user will be regarded as the user to be renewed.

8. A renewal information generating device, characterized in that: The device comprises: A first determination module is used to determine users to be renewed from initial users; A second determination module is used to determine the self-renewal probability of the to-be-renewed insurance by the to-be-renewed user; An acquisition module, used for acquiring the number of visits of each visit behavior of the to-be-renewed user related to the to-be-renewed insurance; A third determination module is used to determine the total number of access behaviors of each user related to the insurance to be renewed according to the number of accesses of each access behavior of each user to be renewed; A fourth determination module is used to determine a target ratio between the number of visits of each visit behavior of each user to be renewed and the total number of visits; A generating module is used to generate target renewal information corresponding to each of the users to be renewed according to at least one of the target ratios and the self-service renewal probability.

9. An electronic device, characterized in that: include: processor; a memory for storing instructions executable by the processor; The processor is configured to execute the instructions to implement the method according to any one of claims 1 to 7.

10. A computer-readable storage medium, when instructions in the computer-readable storage medium are executed by a processor of an electronic device, the electronic device is enabled to execute the method according to any one of claims 1 to 7.

11. A computer program product, comprising a computer program, characterized in that When the computer program is executed by a processor, the method according to any one of claims 1 to 7 is implemented.

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