Insurance recommendation method and device, electronic equipment and medium

Abstract

The invention provides an insurance recommendation method and device, electronic equipment and a medium, and relates to the technical field of computers. The insurance recommendation method comprises the following steps: analyzing prepared insurance distribution according to historical insurance policies purchased by a target object individual or family; based on the prepared guarantee distribution and the prepared guarantee, determining a family guarantee gap; and generating an exclusive marketing strategy for the customer according to the family guarantee gap, and performing activity recommendation and / or product recommendation based on the marketing strategy. Through the technical scheme provided by the invention, the problems of blind sales promotion and low pushing accuracy of marketing personnel are solved, the marketing personnel are assisted to carry out effective customer operation, and the insurance marketing accuracy is improved.

Description

Technical Field

[0001] The present disclosure relates to the field of computers, and in particular to an insurance recommendation method, device, electronic device and medium. Background Art

[0002] With the development of information technology, insurance has also realized the sales promotion of sales systems on web pages and mobile clients. Since the sales system is dominated by sales personnel, it relies on a lot of manual experience to formulate marketing strategies and manual operations. Due to the lack of experience of sales personnel, there will be problems such as blind sales promotion by marketing personnel and low push accuracy. Summary of the invention

[0003] The present disclosure provides an insurance recommendation method, device, electronic device and medium to solve the problem of blind sales promotion and low push accuracy by marketing personnel, and generate intelligent exclusive marketing strategies by dynamically analyzing the protection status of customer families. According to the customer's protection gap and progress stage, the marketing focus is provided to the marketing personnel, which improves the customer's protection distribution and the push accuracy of the marketing strategy to the marketing personnel.

[0004] A first aspect of the present disclosure provides an insurance recommendation method, the method comprising:

[0005] Analyze the distribution of available insurance coverage based on the historical insurance policies purchased by the target objects, including individuals or families;

[0006] Determine the family protection gap based on the distribution of existing protection and the protection that should be provided;

[0007] Generate exclusive marketing strategies for target groups based on family protection gaps, and make activity recommendations and / or product recommendations based on the exclusive marketing strategies.

[0008] In one embodiment of the present disclosure, according to the historical insurance policies purchased by the target object, the distribution of the prepared insurance is analyzed, including:

[0009] Get historical policies;

[0010] Based on historical insurance policies, count the amount of insurance purchased by the target object in different insurance categories;

[0011] For the purchased insurance amount, analyze the distribution of available protection formed by each insurance category in the dimension of insurance category.

[0012] In one embodiment of the present disclosure, based on the distribution of prepared protection and the protection to be prepared, determining the family protection gap includes:

[0013] Obtain the target object's family members and generate the necessary protections that the family members should be equipped with;

[0014] Determine the personal protection gap of family members in the pre-set insurance items based on the distribution of existing protection and the protection that should be prepared;

[0015] Determine the family protection gap based on the individual protection gap of each family member.

[0016] In one embodiment of the present disclosure, generating an exclusive marketing strategy for a target object according to the family protection gap includes:

[0017] Targeting family members with the largest security gap;

[0018] According to the dynamic data of the target object, determine the target object's progress stage in the insurance transaction curve, where the progress stage includes the potential stage, the interactive stage, the insurance intention stage, the insurance transaction stage and the insurance intention stage. The insurance transaction curve is obtained by fitting the historical insurance data;

[0019] Generate exclusive marketing strategies for target audiences based on the progress stages and gradually advance the progress stages.

[0020] In one embodiment of the present disclosure, generating a dedicated marketing strategy for a target object according to the progress stage includes:

[0021] If the progress stage is the potential stage, suggestions for filling the family protection gap will be pushed to the target object;

[0022] If the progress stage is the interactive stage, activity invitations are regularly pushed to the target object based on the target object's historical participation in activities;

[0023] If the progress stage is the insurance intention stage, the target object will be pushed the detailed introduction of the target insurance product corresponding to the family protection gap;

[0024] If the progress stage is the insurance transaction stage, the dynamic data of the target object is obtained regularly, and the renewal reminder of the target insurance product is pushed to the target object;

[0025] If the progress stage is the intention to add insurance stage, the target object's service rights and interests usage will be obtained, and activity invitations will be pushed to the target object.

[0026] In one embodiment of the present disclosure, activity recommendations and / or product recommendations based on exclusive marketing strategies include:

[0027] For activity recommendation, target activities are recommended to target objects according to the priority of the activities;

[0028] For product recommendations, target products are recommended to target objects based on product priority.

[0029] A second aspect of the present disclosure provides an insurance recommendation device, the device comprising:

[0030] An analysis module is used to analyze the distribution of available insurance coverage based on the historical insurance policies purchased by the target object, which includes individuals or families;

[0031] A determination module is used to determine the family protection gap based on the distribution of prepared protection and the protection that should be prepared;

[0032] The recommendation module is used to generate exclusive marketing strategies for target objects according to the family protection gap, and to make activity recommendations and / or product recommendations based on the exclusive marketing strategies.

[0033] The third aspect embodiment of the present disclosure proposes an electronic device, comprising: at least one processor; and a memory communicatively connected to the at least one processor; wherein the memory stores instructions executable by the at least one processor, and the instructions are executed by the at least one processor so that the at least one processor can execute any one of the methods in the first aspect embodiment of the present disclosure.

[0034] The fourth aspect embodiment of the present disclosure proposes a non-transitory computer-readable storage medium storing computer instructions, characterized in that the computer instructions are used to enable a computer to execute the method in the first aspect embodiment of the present disclosure.

[0035] The fifth aspect embodiment of the present disclosure proposes a computer program product, characterized in that it includes a computer program, and when the computer program is executed by a processor, it implements any method in the first aspect embodiment of the present disclosure.

[0036] In summary, according to the insurance recommendation method proposed in the present disclosure, the distribution of available protection is analyzed based on the historical insurance policies purchased by the target object. The target object includes individuals or families, which provides data preparation for determining the family protection gap of the target object; based on the distribution of available protection and the protection to be prepared, the family protection gap is determined, and the protection that the target object needs to supplement is obtained; based on the family protection gap, an exclusive marketing strategy is generated for the target object, and activity recommendations and / or product recommendations are made based on the exclusive marketing strategy, and a personalized insurance sales strategy is obtained, providing customers with targeted and reasonable insurance plans. Assisting marketing personnel in effective customer management and improving the accuracy of insurance marketing.

[0037] It is to be understood that the foregoing general description and the following detailed description are exemplary and explanatory only and are not restrictive of the present disclosure. BRIEF DESCRIPTION OF THE DRAWINGS

[0038] The drawings herein are incorporated into and constitute a part of the specification, illustrate embodiments consistent with the present disclosure, and together with the description are used to explain the principles of the present disclosure, and do not constitute improper limitations on the present disclosure.

[0039] Figure 1A flowchart of an insurance recommendation method according to an embodiment of the present disclosure;

[0040] Figure 2 A flowchart of analyzing the distribution of prepared insurance coverage according to the historical insurance policies purchased by the target object according to an embodiment of the present disclosure;

[0041] Figure 3 A flowchart of determining a family protection gap based on the distribution of prepared protection and the protection to be prepared according to an embodiment of the present disclosure;

[0042] Figure 4 A flowchart of an embodiment of the present disclosure for generating an exclusive marketing strategy for a target object according to a family protection gap;

[0043] Figure 5 A flowchart of generating an exclusive marketing strategy for a target object according to a progress stage according to an embodiment of the present disclosure;

[0044] Figure 6 A flowchart of performing activity recommendation and / or product recommendation based on an exclusive marketing strategy according to an embodiment of the present disclosure;

[0045] Figure 7 It is a structural schematic diagram of an insurance recommendation device according to an embodiment of the present disclosure;

[0046] Figure 8 is a block diagram of an electronic device for implementing the insurance recommendation method disclosed herein according to an exemplary embodiment;

[0047] Fig. 9 It is a schematic diagram of the structure of the chip of the embodiment of the present disclosure. DETAILED DESCRIPTION

[0048] 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 identify the same or similar originals or elements having the same or similar functions. The embodiments described below with reference to the accompanying drawings are exemplary and are intended to be used to explain the present disclosure, and should not be construed as limiting the present disclosure.

[0049] With the advancement of technology and changes in consumer behavior, traditional mass marketing methods can no longer meet the personalized needs of consumers. Modern consumers pay more attention to personalized products and services, and hope that companies can provide customized experiences that match their needs and preferences. Therefore, personalized marketing has become an important strategy for companies to gain competitive advantages and increase market share. The existing personalized marketing strategy is based on the collected data, analyzes user data to form user portraits, and recommends products or services that meet users' interests and needs based on user portraits. This strategy cannot accurately analyze customer needs through data collected through only a single channel, and cannot be well combined with the company's sales strategy and products. The pushed products and services are duplicated or not fully covered.

[0050] The disclosure aims to solve the problems of blind sales promotion and low push accuracy of marketing personnel in the insurance sales process, and to build and connect a unified customer management platform and a traditional big data analysis platform. The big data analysis platform collects customer behavior data from multiple channels and touch points, and the customer management platform summarizes the customer data and transfers it to the sales channel system. In the sales channel system, new algorithms are used to combine sales strategies in multiple dimensions such as the company's marketing strategy, product form, product sales rules, customer analysis data, conventional product recommendation algorithms, and big data statistical algorithms. Recommend insurance plans that meet customer needs and have higher transaction intentions to current marketing personnel. Assist marketing personnel in effective customer management, provide customers with comprehensive protection distribution, and improve the accuracy of insurance marketing.

[0051] The method proposed in the present disclosure is applied to the insurance recommendation task, and its application has rich scenarios. The technical solution of the insurance recommendation method can be applied to multiple fields and scenarios. For example, in the insurance industry, it can be used for personal insurance customization, and provide customized insurance product recommendations for individual customers based on the customer's historical insurance policy and protection needs. It can also be used for family insurance planning, analyzing the protection gaps of family members, recommending suitable family insurance combinations, and helping customers to fully cover potential risks. In the field of financial technology, it can be used for intelligent marketing platforms, using big data and artificial intelligence technology to provide personalized customer marketing strategies for financial technology companies and improve customer conversion rates. It can also be used in customer relationship management systems to integrate the recommendation system, enhance customer management capabilities, and optimize sales processes. In the field of e-commerce, it can be used for online insurance sales platforms to achieve personalized recommendations on e-commerce platforms, improve user experience and purchase conversion rates. It can also be used for precise advertising delivery, and targeted advertising delivery is carried out according to the customer's protection gaps and needs to improve advertising effects. In the field of health management, it can be used for health insurance recommendations, combining user health data, analyzing their medical insurance needs, and recommending suitable health insurance products. It can also be used for disease prevention and management, providing corresponding insurance product recommendations for customers with specific health risks, and promoting disease prevention. In the field of education and training, it can be used to popularize insurance knowledge, push insurance knowledge and related courses to users through a personalized recommendation system, and enhance the public's understanding of insurance products. It can also be used for vocational training, providing targeted product knowledge and sales skills training for insurance practitioners. In the field of market research, it can be used for consumer behavior analysis, by analyzing customer choices and purchasing behaviors, to provide data support for market research and help formulate more effective market strategies. It can also be used for product development, based on customer feedback and protection gap data, to guide the research and development direction of new insurance products. Through these application areas, the technical solution can effectively improve customer experience, optimize sales processes, and improve the accuracy of insurance push. And promote the digital transformation of the insurance industry. The application scenarios are not limited in the embodiments disclosed in this disclosure.

[0052] The insurance recommendation method provided by the present disclosure is described in detail below with reference to the accompanying drawings.

[0053] Figure 1 FIG. 1 is a flow chart of an insurance recommendation method according to an embodiment of the present disclosure. Figure 1 In the illustrated embodiment, the insurance recommendation method includes:

[0054] Step 101, analyzing the distribution of available insurance coverage based on the historical insurance policies purchased by the target object, where the target object includes an individual or a family.

[0055] In this embodiment, the target object refers to the object of insurance protection, including individuals or families, that is, the insured and the relevant persons of the valid insurance policy. The historical insurance policy refers to all the insurance policies that the target object has purchased before. The prepared insurance distribution refers to the insurance items covered by the historical insurance policies that the target object has purchased in terms of life, accident, annuity, health and medical care, for example, life, accident, annuity, health, and medical insurance. The historical insurance policies that the target object has purchased are analyzed and sorted into the prepared insurance distribution to determine the insurance distribution status of the target object.

[0056] Step 102, based on the distribution of available protection and required protection, determine the family protection gap.

[0057] In this embodiment, the protection that should be prepared refers to the protection that the target object has not yet supplemented in the protection of life, annuity, accident, health and medical care, and the best protection plan that should be prepared is generated according to the composition of the target object's family members and the basic situation of the family members. The family protection gap refers to the comprehensive and complete protection that all family members of the target object have not yet supplemented in terms of life, annuity, accident and medical care. According to the distribution of the various protection items determined by the prepared protection, the amount of complete protection required for each family member of the comprehensive target object is used as the protection that should be prepared, and the difference between the protection that should be prepared and the prepared protection of each family member is used as the protection gap of each member. The protection gap of each member constitutes the family protection gap of the target object.

[0058] Specifically, the marketing staff transmits the basic information of the customer's family members to the policy manager system in the front-end system, and the policy manager system calculates the required protection and protection gap of each member in life, accident, annuity, health, and medical insurance. For the entire family, the family protection gap is the sum of the total protection gaps of all members, and the gaps of various types of family protection are the sum of the corresponding protection gaps of each family member.

[0059] Step 103: Generate an exclusive marketing strategy for the target object according to the family protection gap, and make activity recommendations and / or product recommendations based on the exclusive marketing strategy.

[0060] In this embodiment, the family protection gap is used to analyze the protection status of family members and provide recommended marketing plans or strategies. If the target object is a family, the member with the largest protection gap is extracted and prompted, and priority is given to complete the protection, and product plans or activity recommendations are provided. When the target object is a family member, the total protection gap of the family member is displayed, and the product to be supplemented or the activity recommended for participation is recommended to the member.

[0061] In summary, according to the insurance recommendation method proposed in the present disclosure, the distribution of available protection is analyzed based on the historical insurance policies purchased by the target object. The target object includes individuals or families, which provides data preparation for determining the family protection gap of the target object; based on the distribution of available protection and the protection to be prepared, the family protection gap is determined, and the protection that the target object needs to supplement is obtained; based on the family protection gap, an exclusive marketing strategy is generated for the target object, and activity recommendations and / or product recommendations are made based on the exclusive marketing strategy, and a personalized insurance sales strategy is obtained, providing customers with targeted and reasonable insurance plans. Assisting marketing personnel in effective customer management and improving the accuracy of insurance marketing.

[0062] Figure 2 This is a flow chart of an embodiment of the present disclosure for analyzing the distribution of available coverage based on historical insurance policies purchased by a target object. Figure 2 Yes Figure 1 Further explanation of step 101 is based on Figure 2 The embodiment shown comprises the following steps:

[0063] Step 201, obtain historical insurance policies.

[0064] In this embodiment, the historical policy data of the target object is obtained from the sales system.

[0065] Step 202: Based on historical insurance policies, statistics are collected on the purchased insurance amounts of the target object in different insurance categories.

[0066] In this embodiment, the purchased insurance amount refers to the amount of the purchased insurance. According to the historical insurance policy data of the target object, the purchased insurance amount in different insurance categories is counted to determine the insurance amount of the policy that the target object has purchased in each category of life, accident, annuity, health, and medical.

[0067] Step 203, with respect to the purchased insurance amount, analyze the distribution of the prepared protection formed by each insurance category in the dimension of insurance category.

[0068] In this embodiment, with respect to the purchased insurance sums of the target object in different insurance categories, the distribution of the prepared protection formed by each insurance category in the dimension of insurance category is analyzed.

[0069] For example, the life insurance policy is 5 million yuan, the accident insurance policy is 2 million yuan, the annuity insurance is 500,000 yuan, the disease insurance is 600,000 yuan, and the medical insurance is 200,000 yuan. Protection has been deployed in the five categories of life, accident, annuity, health, and medical. The distribution of prepared protection consists of the policy type and the corresponding policy amount.

[0070] In this embodiment, the distribution of available insurance coverage is obtained through analysis of historical insurance policies purchased by the target object, which provides data preparation for determining the target object's family insurance gap.

[0071] Figure 3 The present invention is a flowchart of an embodiment of the present invention for determining a family's protection gap based on the distribution of available protection and required protection. Figure 3 Yes Figure 1 Further explanation of step 102 is based on Figure 3 The embodiment shown comprises the following steps:

[0072] Step 301, obtain the family members of the target object and generate the necessary protection that the family members should be equipped with.

[0073] In this embodiment, the family member information of the target object and the purchased insurance of the family members are obtained from the customer management system, and based on the purchased insurance of the family members, the necessary insurance that the family members should be equipped with is generated.

[0074] Step 302, based on the distribution of available protection and required protection, determine the individual protection gaps of family members in the preset insurance items.

[0075] In this embodiment, the personal protection gap refers to the uninsured protection items of an individual in the categories of life, accident, annuity, health, and medical insurance. Based on the purchased policy amount in each protection category established by the prepared protection distribution and the policy amount that should be prepared for full protection, for each family member, the personal protection gap of the family member in the preset insurance items is calculated by using the difference between the two.

[0076] Step 303, determining the family protection gap based on the individual protection gap of each family member.

[0077] In this embodiment, for the entire family, the family security gap is the sum of the individual security gaps of all family members, and the gap of various types of family security is the sum of the corresponding security gaps for each family member. The target object is provided with the security that needs to be supplemented in order to obtain complete and reasonable security.

[0078] Figure 4 This is a flow chart of an embodiment of the present disclosure for generating an exclusive marketing strategy for a target object based on the family protection gap. Figure 4 Yes Figure 1 The specific description of step 103 is based on Figure 4 The embodiment shown comprises the following steps:

[0079] Step 401, taking the family member with the largest security gap as the target object.

[0080] In this embodiment, among family members, the member with the largest family protection gap is taken as the target object, that is, the difference between the insured amount to be prepared and the purchased insurance policy in each type of protection is calculated as the gap of this type of protection. The sum of the gaps of all types of protection for this family member is calculated as the personal protection gap. Among all family members, the member with the largest personal protection gap is taken as the target object.

[0081] Step 402, according to the dynamic data of the target object, determine the progress stage of the target object in the insurance transaction curve, wherein the progress stage includes the potential stage, the interactive stage, the insurance intention stage, the insurance transaction stage and the insurance additional intention stage in sequence, and the insurance transaction curve is obtained by fitting the historical insurance data.

[0082] In this embodiment, the dynamic data of the target object refers to the target object's attention to the protection business at different times. Historical insurance data refers to the historical insurance purchase data of the target object recorded in the customer policy system. The insurance transaction curve refers to the insurance transaction model established by digitizing the insurance process of all historical insured customers, which is obtained by fitting the historical insurance data. Different time periods in the insurance transaction curve correspond to different progress stages, where the progress stages include the potential stage, the interactive stage, the insurance intention stage, the insurance transaction stage and the insurance intention stage. According to the dynamic data of the target object, the progress stage of the target object in the insurance transaction curve can be calculated.

[0083] Step 403, based on the progress stage, generate a dedicated marketing strategy for the target object and gradually advance the progress stage.

[0084] In this embodiment, after determining the progress stage of the target object in the insurance transaction curve, an exclusive marketing strategy can be generated for the target object based on the current progress stage of the target object, and the progress stage can be gradually advanced to assist sales personnel in controlling the progress and advancing it, thereby improving the transaction rate of insurance marketing.

[0085] Figure 5 The present invention is a flowchart of an embodiment of generating a dedicated marketing strategy for a target object according to a progress stage. Figure 5 Yes Figure 4 The specific description of step 403 is based on Figure 5 The embodiment shown comprises the following steps:

[0086] Step 501: If the progress stage is a potential stage, suggestions for filling the family security gap are pushed to the target object.

[0087] In this embodiment, if the target object is currently in the potential stage, it means that the target object, as a potential customer, has begun to plan to configure insurance-related services, so the target object is pushed suggestions on how to fill the gap in family protection, and the user is prompted to prevent repeated purchases or overlapping protection. For example, at this stage, the salesperson's digital business card can be sent to the customer to let the customer get to know the salesperson initially, and the salesperson is prompted to actively establish contact with the customer as soon as possible through WeChat, text messages, phone calls, etc. At this stage, the focus of the business is to let the customer know the salesperson as comprehensively as possible and contact him regularly.

[0088] Step 502: If the progress stage is the interactive stage, activity invitations are regularly pushed to the target object based on the target object's historical participation in activities.

[0089] In this embodiment, if the target object is currently in the interactive stage, it means that the salesperson has established communication with the target object. Then, based on the target object's historical participation in activities, activity invitations are regularly pushed to the target object. For example, at this stage, the salesperson is prompted to interact with the customer through regular contact, offline visits, invitation activities, etc., to get familiar with the customer, explore customer needs, and establish a good trust relationship. At this stage, the business focus is to deeply explore the real needs of customers and establish a trust relationship.

[0090] Step 503: If the progress stage is the insurance intention stage, the detailed introduction of the target insurance product corresponding to the family protection gap is pushed to the target object.

[0091] In this embodiment, if the target object is currently in the stage of intending to purchase insurance, the target object is pushed the detailed introduction of the target insurance product corresponding to the family protection gap. For example, at this stage, the customer is regularly sent articles, posters, videos, etc. that meet their needs, and insurance products are introduced to the customer at the appropriate time, or the customer is invited to participate in activities such as product briefings, and the insurance policy is managed for the customer and a product plan is prepared and sent to the customer. At this stage, the focus of the operation is to continuously improve customer trust through professional services.

[0092] Step 504: If the progress stage is the insurance transaction stage, the dynamic data of the target object is obtained regularly, and a renewal reminder of the target insurance product is pushed to the target object.

[0093] In this embodiment, if the target object is currently in the insurance transaction stage, then the dynamic data such as the target object's insurance contact trajectory during this period is regularly obtained, and the renewal reminder of the target insurance product is pushed to the target object. For example, at this stage, remind the sales staff to pay attention to the daily work dynamics of the customer at any time, such as regularly interacting with the customer, sending greetings on holidays, sending blessings on the customer's birthday or the birthday of his family members, and reminding the customer in time when the policy is renewed. This can not only establish a long-term and stable relationship with the customer, but also bring more referral opportunities. At this stage, the focus of the operation is to improve the level of customer service and establish a stable trust relationship.

[0094] Step 505: If the progress stage is the intention to add insurance stage, the service rights and interests usage of the target object is obtained, and an activity invitation is pushed to the target object.

[0095] In this embodiment, if the target object is currently in the stage of intending to add insurance, the target object's service rights and interests usage is obtained, and an activity invitation is pushed to the target object. For example, at this stage, the sales staff is reminded to contact customers regularly and conduct frequent face-to-face interviews, pay attention to the use of customer service rights and interests, frequently invite customers to participate in customer management activities organized by the company, provide customers with more valuable services, and continuously explore customer needs by using insurance policy management tools to strive for additional insurance. At this stage, the business focus is to achieve value transmission through service, strive for additional insurance and referrals.

[0096] In this embodiment, by providing personalized marketing strategies for target objects at different stages of progress, the problems of blind sales promotion and low push accuracy by marketing personnel are avoided, and marketing personnel are assisted in effective customer management, which helps to improve the accuracy of insurance marketing.

[0097] Figure 6 The present invention is a flowchart of performing activity recommendation and / or product recommendation based on an exclusive marketing strategy according to an embodiment of the present invention. Figure 6 Yes Figure 1 The specific description of step 103 is based on Figure 6 The embodiment shown comprises the following steps:

[0098] Step 601 : For activity recommendation, a target activity is recommended to a target object according to the priority of the activity.

[0099] In this embodiment, for the marketing strategy of the target object, the target activity is recommended to the target object according to the priority of the activity in the method of activity recommendation. For example, after the strategy analysis, the matching marketing activities are recommended based on the current marketing activities and the customer's registration status. In terms of activity recommendation strategy, the system will give priority to recommending valid activities that the customer has registered but not participated in, followed by valid activities that the customer has browsed, and finally recommending the current main activities. According to the customer's appointment and browsing activities, it is possible to communicate with the customer more effectively, recommend activities that the customer is more interested in, and enhance stickiness with the customer.

[0100] Step 602, for product recommendation, recommend a target product to the target object according to the priority of the product.

[0101] In this embodiment, for the product recommendation in the marketing strategy of the target object, the target product is recommended to the target object according to the priority of the product. For example, the on-sale products that the customer has recently booked for insurance on the client are recommended first, followed by the on-sale products that the customer has browsed, and finally the company's main products are recommended. By recommending products that customers are more interested in, the possibility of transaction is increased.

[0102] The present disclosure proposes an insurance recommendation method, which analyzes the distribution of available protection according to the historical insurance policies purchased by the target object, and the target object includes individuals or families, and provides data preparation for determining the family protection gap of the target object; based on the distribution of available protection and the protection to be prepared, the family protection gap is determined, and the protection that the target object needs to supplement is obtained; based on the family protection gap, an exclusive marketing strategy is generated for the target object, and activity recommendations and / or product recommendations are made based on the exclusive marketing strategy, and a personalized insurance sales strategy is obtained, providing customers with targeted and reasonable insurance plans. It assists marketing personnel in effective customer management and improves the accuracy of insurance marketing.

[0103] Corresponding to the methods provided in the above-mentioned embodiments, the present disclosure also provides an insurance recommendation device. Since the device provided in the embodiment of the present disclosure corresponds to the methods provided in the above-mentioned embodiments, the implementation method of the method is also applicable to the device provided in this embodiment and will not be described in detail in this embodiment.

[0104] Figure 7 FIG. 7 is a schematic diagram of the structure of an insurance recommendation device 700 according to an embodiment of the present disclosure. Figure 7 As shown, the insurance recommendation device includes:

[0105] An analysis module 710 is used to analyze the distribution of available insurance coverage based on the historical insurance policies purchased by the target object, where the target object includes an individual or a family;

[0106] A determination module 720, for determining a family protection gap based on the distribution of prepared protection and the protection to be prepared;

[0107] The recommendation module 730 is used to generate an exclusive marketing strategy for the target object according to the family protection gap, and make activity recommendations and / or product recommendations based on the exclusive marketing strategy.

[0108] In some embodiments, the analysis module 710 is used to:

[0109] Get historical policies;

[0110] Based on historical insurance policies, count the amount of insurance purchased by the target object in different insurance categories;

[0111] For the purchased insurance amount, analyze the distribution of available protection formed by each insurance category in the dimension of insurance category.

[0112] In some embodiments, the determination module 720 is used to:

[0113] Obtain the target object's family members and generate the necessary protections that the family members should be equipped with;

[0114] Determine the personal protection gap of family members in the pre-set insurance items based on the distribution of existing protection and the protection that should be prepared;

[0115] Determine the family protection gap based on the individual protection gap of each family member.

[0116] In some embodiments, the recommendation module 730 is used to:

[0117] Targeting family members with the largest security gap;

[0118] According to the dynamic data of the target object, determine the target object's progress stage in the insurance transaction curve, where the progress stage includes the potential stage, the interactive stage, the insurance intention stage, the insurance transaction stage and the insurance intention stage. The insurance transaction curve is obtained by fitting the historical insurance data;

[0119] Generate exclusive marketing strategies for target audiences based on the progress stages and gradually advance the progress stages.

[0120] In some embodiments, the recommendation module 730 generates a unique marketing strategy for the target object according to the progress stage in the following manner:

[0121] If the progress stage is the potential stage, suggestions for filling the family protection gap will be pushed to the target object;

[0122] If the progress stage is the interactive stage, activity invitations are regularly pushed to the target object based on the target object's historical participation in activities;

[0123] If the progress stage is the insurance intention stage, the target object will be pushed the detailed introduction of the target insurance product corresponding to the family protection gap;

[0124] If the progress stage is the insurance transaction stage, the dynamic data of the target object is obtained regularly, and the renewal reminder of the target insurance product is pushed to the target object;

[0125] If the progress stage is the intention to add insurance stage, the target object's service rights and interests usage will be obtained, and activity invitations will be pushed to the target object.

[0126] In some embodiments, the recommendation module 730 is further configured to:

[0127] For activity recommendation, target activities are recommended to target objects according to the priority of the activities;

[0128] For product recommendations, target products are recommended to target objects based on product priority.

[0129] In summary, through the insurance recommendation device, according to the historical insurance policies purchased by the target object, the distribution of the prepared insurance is analyzed, and the target object includes individuals or families; based on the distribution of prepared insurance and the insurance that should be prepared, the family insurance gap is determined; according to the family insurance gap, an exclusive marketing strategy is generated for the target object, and activities and / or products are recommended based on the exclusive marketing strategy. This device solves the problem of blind sales promotion and low push accuracy of marketing personnel, assists marketing personnel in effective customer management, provides customers with targeted and reasonable insurance plans, and improves the accuracy of insurance marketing.

[0130] In the above embodiments provided by the present disclosure, the methods and devices provided by the embodiments of the present disclosure are introduced. In order to implement the functions in the methods provided by the above embodiments of the present disclosure, the electronic device may include a hardware structure and a software module, and implement the above functions in the form of a hardware structure, a software module, or a hardware structure plus a software module. One of the above functions may be executed in the form of a hardware structure, a software module, or a hardware structure plus a software module.

[0131] Figure 8 is a block diagram of an electronic device 800 for implementing the above-mentioned insurance recommendation method according to an exemplary embodiment.

[0132] For example, the electronic device 800 may be a mobile phone, a computer, a messaging device, a game console, a tablet device, a medical device, a fitness device, a personal digital assistant, etc.

[0133] Reference Figure 8, the electronic device 800 may include one or more of the following components: a processing component 802 , a memory 804 , a power component 806 , a multimedia component 808 , an audio component 810 , an input / output (I / O) interface 812 , a sensor component 814 , and a communication component 816 .

[0134] The processing component 802 generally controls the overall operation of the electronic device 800, such as operations associated with display, phone calls, data communications, camera operations, and recording operations. The processing component 802 may include one or more processors 820 to execute instructions to complete all or part of the steps of the above-mentioned method. In addition, the processing component 802 may include one or more modules to facilitate the interaction between the processing component 802 and other components. For example, the processing component 802 may include a multimedia module to facilitate the interaction between the multimedia component 808 and the processing component 802.

[0135] The memory 804 is configured to store various types of data to support operations on the electronic device 600. Examples of such data include instructions for any application or method operating on the electronic device 800, contact data, phone book data, messages, pictures, videos, etc. The memory 804 can be implemented by any type of volatile or non-volatile storage device or a combination thereof, such as static random access memory (SRAM), electrically erasable programmable read-only memory (EEPROM), erasable programmable read-only memory (EPROM), programmable read-only memory (PROM), read-only memory (ROM), magnetic memory, flash memory, magnetic disk or optical disk.

[0136] The power supply component 806 provides power to the various components of the electronic device 800. The power supply component 806 may include a power management system, one or more power supplies, and other components associated with generating, managing, and distributing power to the electronic device 800.

[0137] The multimedia component 808 includes a screen that provides an output interface between the electronic device 800 and the user. In some embodiments, the screen may include a liquid crystal display (LCD) and a touch panel (TP). If the screen includes a touch panel, the screen may be implemented as a touch screen to receive input signals from the user. The touch panel includes one or more touch sensors to sense touch, slide, and gestures on the touch panel. The touch sensor may not only sense the boundaries of the touch or slide action, but also detect the duration and pressure associated with the touch or slide operation. In some embodiments, the multimedia component 808 includes a front camera and / or a rear camera. When the electronic device 800 is in an operating mode, such as a shooting mode or a video mode, the front camera and / or the rear camera may receive external multimedia data. Each front camera and rear camera may be a fixed optical lens system or have a focal length and optical zoom capability.

[0138] The audio component 810 is configured to output and / or input audio signals. For example, the audio component 810 includes a microphone (MIC), and when the electronic device 800 is in an operating mode, such as a call mode, a recording mode, and a voice recognition mode, the microphone is configured to receive an external audio signal. The received audio signal can be further stored in the memory 804 or sent via the communication component 816. In some embodiments, the audio component 810 also includes a speaker for outputting audio signals.

[0139] I / O interface 812 provides an interface between processing component 802 and peripheral interface modules, such as keyboards, click wheels, buttons, etc. These buttons may include but are not limited to: a home button, a volume button, a start button, and a lock button.

[0140] The sensor assembly 814 includes one or more sensors for providing various aspects of status assessment for the electronic device 800. For example, the sensor assembly 814 can detect the open / closed state of the electronic device 800, the relative positioning of components, such as the display and keypad of the electronic device 800, and the sensor assembly 814 can also detect the position change of the electronic device 800 or a component of the electronic device 800, the presence or absence of contact between the user and the electronic device 800, the orientation or acceleration / deceleration of the electronic device 800, and the temperature change of the electronic device 800. The sensor assembly 814 may include a proximity sensor configured to detect the presence of nearby objects without any physical contact. The sensor assembly 814 may also include an optical sensor, such as a CMOS or CCD image sensor, for use in imaging applications. In some embodiments, the sensor assembly 814 may also include an accelerometer, a gyroscope sensor, a magnetic sensor, a pressure sensor, or a temperature sensor.

[0141] The communication component 816 is configured to facilitate wired or wireless communication between the electronic device 800 and other devices. The electronic device 800 can access a wireless network based on a communication standard, such as WiFi, 2G or 3G, 4G LTE, 5G NR (NewRadio) or a combination thereof. In an exemplary embodiment, the communication component 816 receives a broadcast signal or broadcast-related information from an external broadcast management system via a broadcast channel. In an exemplary embodiment, the communication component 816 also includes a near field communication (NFC) module to facilitate short-range communication. For example, the NFC module can be implemented based on radio frequency identification (RFID) technology, infrared data association (IrDA) technology, ultra-wideband (UWB) technology, Bluetooth (BT) technology and other technologies.

[0142] In an exemplary embodiment, the electronic device 800 may be implemented by one or more application-specific integrated circuits (ASICs), digital signal processors (DSPs), digital signal processing devices (DSPDs), programmable logic devices (PLDs), field programmable gate arrays (FPGAs), controllers, microcontrollers, microprocessors, or other electronic components to perform the above methods.

[0143] In an exemplary embodiment, a non-transitory computer-readable storage medium including instructions is also provided, such as a memory 804 including instructions, and the above instructions can be executed by the processor 820 of the electronic device 800 to complete the above method. For example, the non-transitory computer-readable storage medium can be a ROM, a random access memory (RAM), a CD-ROM, a magnetic tape, a floppy disk, an optical data storage device, etc.

[0144] The embodiments of the present disclosure further provide a non-transitory computer-readable storage medium storing computer instructions, wherein the computer instructions are used to enable a computer to execute the insurance recommendation method described in the above embodiments of the present disclosure.

[0145] An embodiment of the present disclosure further provides a computer program product, including a computer program, which executes the insurance recommendation method described in the above embodiment of the present disclosure when a processor is used to execute the computer program.

[0146] Fig. 9 is a schematic structural diagram of a chip 900 for implementing the above-mentioned insurance recommendation method according to an exemplary embodiment.

[0147] Reference Fig. 9 The chip 900 includes at least one communication interface 901 and a processor 902; the communication interface 901 is used to receive a signal input to the chip 900 or a signal output from the chip 900, and the processor 902 communicates with the communication interface 901 and implements the insurance recommendation method described in the above embodiment through a logic circuit or executing code instructions.

[0148] It should be noted that the terms "first", "second", etc. in the specification and claims of the present disclosure 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 interchanged where appropriate, so that the embodiments of the present disclosure described herein can be implemented in an order other than those illustrated or described herein. The embodiments described in the following exemplary embodiments do not represent all embodiments consistent with the present disclosure. Instead, they are merely examples of devices and methods consistent with some aspects of the present disclosure as detailed in the appended claims.

[0149] In the description of this specification, the description with reference to the terms "one embodiment", "some embodiments", "illustrative embodiments", "examples", "specific examples" or "some examples" etc. means that the specific features, structures, materials or characteristics described in conjunction with the embodiments or examples are included in at least one embodiment or example of the present disclosure. In this specification, the schematic representations of the above terms do 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.

[0150] 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.

[0151] The logic and / or steps represented in the flowchart or otherwise described herein, for example, can be considered as an ordered list of executable instructions for implementing logical functions, and can be embodied in any computer-readable medium for use by an instruction execution system, device or apparatus (such as a computer-based system, a system including a processing module, or other system that can fetch instructions from an instruction execution system, device or apparatus and execute instructions), or in combination with these instruction execution systems, devices or apparatuses. For the purposes of this specification, "computer-readable medium" can be any device that can contain, store, communicate, propagate or transmit a program for use by an instruction execution system, device or apparatus, or in combination with these instruction execution systems, devices or apparatuses. More specific examples of computer-readable media (a non-exhaustive list) include the following: an electrical connection with one or more wires (control method), a portable computer disk box (magnetic device), a random access memory (RAM), a read-only memory (ROM), an erasable and programmable read-only memory (EPROM or flash memory), a fiber optic device, and a portable compact disk read-only memory (CDROM). In addition, the computer-readable medium may even be paper or other suitable medium on which the program is printed, since the program may be obtained electronically, for example, by optically scanning the paper or other medium and then editing, interpreting or otherwise processing in a suitable manner if necessary, and then stored in a computer memory.

[0152] It should be understood that the various parts of the embodiments of the present disclosure can be implemented by hardware, software, firmware or a combination thereof. In the above embodiments, multiple steps or methods can be implemented by software or firmware stored in a memory and executed by a suitable instruction execution system. For example, if implemented by 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.

[0153] 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.

[0154] 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. The above-mentioned storage medium may be a read-only memory, a disk or an optical disk, etc.

[0155] 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 make changes, modifications, substitutions and variations to the above embodiments within the scope of the present disclosure.

Claims

1. An insurance recommendation method, characterized in that: The method comprises: Analyze the distribution of available insurance coverage based on historical insurance policies purchased by the target object, which may include individuals or families; Determine the family protection gap based on the distribution of existing protection and the protection that should be provided; Generate an exclusive marketing strategy for the target object according to the family protection gap, and make activity recommendations and / or product recommendations based on the exclusive marketing strategy.

2. The method according to claim 1, characterized in that: The above mentioned analysis of the distribution of available protections based on the historical insurance policies purchased by the target object includes: obtaining said historical insurance policies; Based on the historical insurance policies, statistics are collected on the insurance amounts purchased by the target object in different insurance categories; With respect to the purchased insurance amount, the distribution of the prepared protection formed by each insurance category in the dimension of the insurance category is analyzed.

3. The method according to claim 1, characterized in that Determining the family protection gap based on the distribution of prepared protection and the protection to be prepared includes: Acquire the family members of the target object and generate the necessary protection that the family members should be equipped with; Determine the individual protection gap of the family members in the preset insurance items based on the distribution of the prepared protection and the protection to be prepared; The family protection gap is determined based on the individual protection gap of each family member.

4. The method according to claim 1, characterized in that: Generating an exclusive marketing strategy for the target object according to the family protection gap includes: The target object is the family member with the largest security gap; According to the dynamic data of the target object, determine the progress stage of the target object in the insurance transaction curve, wherein the progress stages include the potential stage, the interactive stage, the insurance intention stage, the insurance transaction stage and the insurance intention stage, and the insurance transaction curve is obtained by fitting the historical insurance data; According to the progress stage, the exclusive marketing strategy is generated for the target object and the progress stage is gradually advanced.

5. The method according to claim 4, characterized in that Generating the exclusive marketing strategy for the target object according to the progress stage includes: If the progress stage is the potential stage, a suggestion for filling the family security gap is pushed to the target object; If the progress stage is the interactive stage, regularly push activity invitations to the target object based on the target object's historical participation in activities; If the progress stage is the insurance intention stage, the detailed introduction of the target insurance product corresponding to the family protection gap is pushed to the target object; If the progress stage is the insurance transaction stage, the dynamic data of the target object is regularly acquired, and a renewal reminder of the target insurance product is pushed to the target object; If the progress stage is the intention to add insurance stage, the service rights and interests usage of the target object is obtained, and an activity invitation is pushed to the target object.

6. The method according to claim 1, characterized in that The activity recommendation and / or product recommendation based on the exclusive marketing strategy includes: For the activity recommendation, recommend a target activity to the target object according to the priority of the activity; For the product recommendation, a target product is recommended to the target object according to the priority of the product.

7. An insurance recommendation device, characterized in that: The device comprises: An analysis module, for analyzing the distribution of available insurance coverage based on historical insurance policies purchased by a target object, wherein the target object includes an individual or a family; A determination module, configured to determine a family protection gap based on the distribution of prepared protection and the protection to be prepared; A recommendation module is used to generate an exclusive marketing strategy for the target object according to the family protection gap, and to make activity recommendations and / or product recommendations based on the exclusive marketing strategy.

8. An electronic device, characterized in that: include: at least one processor; as well as a memory communicatively connected to the at least one processor; wherein, The memory stores instructions that can be executed by the at least one processor, and the instructions are executed by the at least one processor to enable the at least one processor to perform the method according to any one of claims 1 to 6.

9. A non-transitory computer-readable storage medium storing computer instructions, characterized in that: The computer instructions are used to cause the computer to execute the method according to any one of claims 1-6.

10. A computer program product, characterized in that The invention comprises a computer program which, when executed by a processor, implements the method according to any one of claims 1 to 6.

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