User portrait-based insurance price information recommendation method and device

Abstract

The invention discloses a user portrait-based insurance price information recommendation method and device. A specific embodiment of the method comprises the steps of determining multi-dimensional portrait information of a target user; the multi-dimensional portrait information has a preset priority; determining portrait information of a target dimension which meets a preset judgment condition and has the highest priority from the portrait information of the multiple dimensions; according to the portrait information of the target dimension, determining insurance price information of a target order corresponding to the target user; and recommending the insurance price information to the target user. According to the method, the insurance price information is recommended to the user in a targeted manner according to the portrait information of the user, so that the accuracy of the insurance price information is improved.

Description

Technical Field

[0001] The embodiments of the present application relate to the field of computer technologies, specifically to the field of logistics transportation, and particularly to a method, device, computer-readable medium, and electronic device for recommending insured value information based on a user profile. Background Art

[0002] During the logistics transportation process, the goods corresponding to an order are prone to damage. Users can reduce their own losses based on the insured value operation in shopping applications or logistics transportation applications. Currently, shopping applications and logistics transportation applications generally recommend insured value information to users based on a fixed insured value amount. Summary of the Invention

[0003] The embodiments of the present application propose a method, device, computer-readable medium, and electronic device for recommending insured value information based on a user profile.

[0004] In a first aspect, the embodiments of the present application provide a method for recommending insured value information based on a user profile, including: determining multi-dimensional profile information of a target user, where the multi-dimensional profile information has a preset priority; determining, from the multi-dimensional profile information, the profile information of a target dimension that meets the preset determination condition and has the highest priority; determining the insured value information of a target order corresponding to the target user according to the profile information of the target dimension; and recommending the insured value information to the target user.

[0005] In some examples, the determining, from the multi-dimensional profile information, the profile information of a target dimension that meets the preset determination condition and has the highest priority includes: for the order information dimension corresponding to the target order, determining whether the high-value item configuration table includes the target item corresponding to the target order; in response to determining that the high-value item configuration table includes the target item, determining the order information dimension as the target dimension; and the determining the insured value information of a target order corresponding to the target user according to the profile information of the target dimension includes: determining the insured value information according to the category to which the target item belongs.

[0006] In some examples, the determining, from the multi-dimensional profile information, the profile information of a target dimension that meets the preset determination condition and has the highest priority includes: in response to determining that the high-value item configuration table does not include the target item, determining whether the historical claim settlement information of the historical claim settlement information dimension of the target user meets the first sub-determination condition corresponding to the historical claim settlement information dimension; in response to determining that the historical claim settlement information meets the first sub-determination condition, determining the historical claim settlement information dimension as the target dimension; and the determining the insured value information of a target order corresponding to the target user according to the profile information of the target dimension includes: determining the insured value information according to the historical claim settlement information.

[0007] In some examples, the above-mentioned first sub-determination condition includes that a single historical claim amount exceeds a preset claim amount threshold, there is a claim record where the historical claim amount is greater than the corresponding historical insured amount, the claim ratio of orders within a first preset time period exceeds a preset ratio, and the claim duration within the first preset time period exceeds a preset claim duration; and the above-mentioned determination of the insured amount information based on historical claim information includes: in response to determining that a single historical claim amount in the historical claim information exceeds the preset claim amount threshold, determining the single historical claim amount as the insured amount information; in response to determining that there is a claim record in the historical claim information where the historical claim amount is greater than the corresponding historical insured amount, determining the historical claim amount as the insured amount information; in response to determining that the claim ratio of orders within the first preset time period in the historical claim information exceeds the preset ratio, determining the average claim amount of claim orders within the first preset time period as the insured amount information; in response to determining that the claim duration within the first preset time period in the historical claim information exceeds the preset claim duration, determining the range of insured amount obtained based on the average claim amount of claim orders within the first preset time period as the insured amount information.

[0008] In some examples, the above-mentioned determination of the portrait information of the target dimension with the highest priority that meets the preset determination condition from multi-dimensional portrait information includes: in response to determining that the historical claim information does not meet the first sub-determination condition, determining whether the historical order information of the historical order information dimension of the target user meets the second sub-determination condition corresponding to the historical order information dimension; in response to determining that the historical order information meets the second sub-determination condition, determining the historical order information dimension as the target dimension; and the above-mentioned determination of the insured amount information corresponding to the target order of the target user based on the portrait information of the target dimension includes: determining the insured amount information based on the historical order information.

[0009] In some examples, the above-mentioned second sub-determination condition includes high-insured orders in the historical order where the insured amount is greater than the preset insured amount threshold, and high-rate orders in the historical order where the insured rate is greater than the preset rate threshold; and the above-mentioned determination of the insured amount information based on the historical order information includes: in response to determining that there are high-insured orders in the historical order information where the insured amount is greater than the preset insured amount threshold, determining the insured amount corresponding to the high-insured order as the insured amount information; in response to determining that there are high-rate orders in the historical order information where the insured rate is greater than the preset rate threshold, determining the insured amount information based on the insured amount setting operation of the target user.

[0010] In some examples, determining the portrait information of the target dimension with the highest priority that meets the preset determination conditions from the multi-dimensional portrait information includes: in response to determining that the historical order information does not meet the second sub-determination condition, determining whether the historical complaint information within the second preset time period in the dimension of the target user's historical complaint information includes complaint information regarding claim settlement information; in response to determining that the historical complaint information includes complaint information regarding claim settlement information, determining the dimension of the historical complaint information as the target dimension; and the above-mentioned determining the insured amount information of the target order corresponding to the target user based on the portrait information of the target dimension includes: determining the insured amount information based on the historical complaint information.

[0011] In some examples, the above method further includes: in response to receiving a claim settlement operation by the target user for the target order with insured amount information set, completing the claim settlement process triggered by the claim settlement operation within a preset duration.

[0012] In some examples, the above-mentioned completing the claim settlement process triggered by the claim settlement operation within a preset duration includes: sending the claim settlement information corresponding to the claim settlement operation to the target processing object corresponding to the area to which the target order belongs; determining the claim settlement amount corresponding to the claim settlement operation based on the processing operation of the target processing object on the claim settlement information; and completing the payment operation in the claim settlement process based on the claim settlement amount, where the entire processing duration corresponding to the claim settlement process is less than the preset duration.

[0013] In some examples, the above-mentioned determining the claim settlement amount corresponding to the claim settlement operation based on the processing operation of the target processing object on the claim settlement information includes: in response to determining that the target processing object claims the claim settlement information, completing the loss assessment operation corresponding to the claim settlement information within the first preset sub-duration, and determining the claim settlement amount based on the loss assessment operation; in response to determining that the target processing object claims the claim settlement information and the loss assessment operation is not completed within the second preset sub-duration, sending the claim settlement information to the target processing object again and sending it to a high-level processing object with a higher level attribute than the target processing object to determine the claim settlement amount, where the second preset sub-duration is greater than the first preset sub-duration; in response to determining that the target processing object claims the claim settlement information and the loss assessment operation is not completed within the third preset sub-duration, determining the insured amount information as the claim settlement amount, where the third preset sub-duration is greater than the second preset sub-duration.

[0014] In some examples, the above-mentioned completing the payment operation in the claim settlement process based on the claim settlement amount includes: in response to determining that the claim settlement amount is less than the preset claim settlement amount threshold, or the claim settlement amount is not less than the preset claim settlement amount threshold and the claim settlement amount is less than the actual insured amount, completing the payment operation corresponding to the claim settlement operation within the fourth preset sub-duration, where the actual insured amount represents the partial insured amount corresponding to the actually damaged items in the target order in the insured amount information; in response to determining that the claim settlement amount is not less than the actual insured amount, completing the payment operation corresponding to the claim settlement operation within the fifth preset sub-duration.

[0015] In a second aspect, an embodiment of the present application provides a price protection information recommendation device based on a user portrait, including: a first determination unit configured to determine multi-dimensional portrait information of a target user, where the multi-dimensional portrait information has a preset priority; a second determination unit configured to determine, from the multi-dimensional portrait information, the portrait information of the target dimension with the highest priority that meets the preset determination conditions; a third determination unit configured to determine the price protection information of a target order corresponding to the target user according to the portrait information of the target dimension; and a recommendation unit configured to recommend the price protection information to the target user.

[0016] In some examples, the above-mentioned second determination unit is further configured to: for the order information dimension corresponding to the target order, determine whether the high-value item configuration table includes the target item corresponding to the target order; in response to determining that the high-value item configuration table includes the target item, determine the order information dimension as the target dimension; and the above-mentioned third determination unit is further configured to: determine the price protection information according to the category to which the target item belongs.

[0017] In some examples, the above-mentioned second determination unit is further configured to: in response to determining that the high-value item configuration table does not include the target item, determine whether the historical claim information in the historical claim information dimension of the target user meets the first sub-determination condition corresponding to the historical claim information dimension; in response to determining that the historical claim information meets the first sub-determination condition, determine the historical claim information dimension as the target dimension; and the above-mentioned third determination unit is further configured to: determine the price protection information according to the historical claim information.

[0018] In some examples, the above-mentioned first sub-determination condition includes that the single historical claim amount exceeds the preset claim amount threshold, there is a claim record where the historical claim amount is greater than the corresponding historical price protection amount, the claim ratio of orders within the first preset time period exceeds the preset ratio, and the claim duration within the first preset time period exceeds the preset claim duration; and the above-mentioned second determination unit is further configured to: in response to determining that the single historical claim amount in the historical claim information exceeds the preset claim amount threshold, determine the single historical claim amount as the price protection information; in response to determining that there is a claim record where the historical claim amount is greater than the corresponding historical price protection amount in the historical claim information, determine the historical claim amount as the price protection information; in response to determining that the claim ratio of orders within the first preset time period in the historical claim information exceeds the preset ratio, determine the average claim amount of the claim orders within the first preset time period as the price protection information; in response to determining that the claim duration within the first preset time period in the historical claim information exceeds the preset claim duration, determine the price protection amount range obtained based on the average claim amount of the claim orders within the first preset time period as the price protection information.

[0019] In some examples, the above-mentioned second determination unit is further configured to: in response to determining that the historical claim information does not meet the first sub-determination condition, determine whether the historical order information in the historical order information dimension of the target user meets the second sub-determination condition corresponding to the historical order information dimension; in response to determining that the historical order information meets the second sub-determination condition, determine the historical order information dimension as the target dimension; and the above-mentioned third determination unit is further configured to: determine the insured amount information according to the historical order information.

[0020] In some examples, the above-mentioned second sub-determination condition includes a high-insured order in the historical order with an insured amount greater than a preset insured amount threshold, and a high-rate order in the historical order with an insured rate greater than a preset rate threshold; and the above-mentioned second determination unit is further configured to: in response to determining that the historical order information includes a high-insured order with an insured amount greater than the preset insured amount threshold, determine the insured amount corresponding to the high-insured order as the insured amount information; in response to determining that the historical order information includes a high-rate order with an insured rate greater than the preset rate threshold, determine the insured amount information based on the insured setting operation of the target user.

[0021] In some examples, the above-mentioned second determination unit is further configured to: in response to determining that the historical order information does not meet the second sub-determination condition, determine whether the historical complaint information within a second preset time period in the historical complaint information dimension of the target user includes complaint information regarding the claim information; in response to determining that the historical complaint information includes complaint information regarding the claim information, determine the historical complaint information dimension as the target dimension; and the above-mentioned third determination unit is further configured to: determine the insured amount information according to the historical complaint information.

[0022] In some examples, the above-mentioned device further includes: a claims unit, configured to, in response to receiving a claims operation of the target user for a target order with insured amount information set, complete the claims process triggered by the claims operation within a preset duration.

[0023] In some examples, the above-mentioned claims unit is further configured to: send the claims information corresponding to the claims operation to the target processing object corresponding to the area to which the target order belongs; determine the claims amount corresponding to the claims operation based on the processing operation of the target processing object on the claims information; and complete the payment operation in the claims process based on the claims amount, where the entire processing duration corresponding to the claims process is less than the preset duration.

[0024] In some examples, the above-mentioned claims unit is further configured to: in response to determining that the target processing object claims the claim information, complete the damage assessment operation corresponding to the claim information within a first preset sub-time period, and determine the claim amount based on the damage assessment operation; in response to determining that the target processing object claims the claim information, if the damage assessment operation is not completed within a second preset sub-time period, send the claim information to the target processing object again, and send it to a high-level processing object with a higher level attribute than the target processing object to determine the claim amount, wherein the second preset sub-time period is greater than the first preset sub-time period; in response to determining that the target processing object claims the claim information, if the damage assessment operation is not completed within a third preset sub-time period, determine the insurance valuation information as the claim amount, wherein the third preset sub-time period is greater than the second preset sub-time period.

[0025] In some examples, the above-mentioned claims unit is further configured to: in response to determining that the claim amount is less than a preset claim amount threshold, or the claim amount is not less than the preset claim amount threshold, and the claim amount is less than the actual insured amount, complete the payment operation corresponding to the claim operation within a fourth preset sub-time period, wherein the actual insured amount represents the part of the insured amount corresponding to the actual damaged items in the target order in the insured information; in response to determining that the claim amount is not less than the actual insured amount, complete the payment operation corresponding to the claim operation within a fifth preset sub-time period.

[0026] In a third aspect, an embodiment of the present application provides a computer-readable medium having a computer program stored thereon, wherein when the program is executed by a processor, the method described in any implementation manner of the first aspect is implemented.

[0027] In a fourth aspect, an embodiment of the present application provides an electronic device, comprising: one or more processors; a storage device on which one or more programs are stored, and when the one or more programs are executed by one or more processors, the one or more processors implement the method described in any implementation manner of the first aspect.

[0028] The method and device for recommending insurance information based on user portrait provided in the embodiments of the present application determine multi-dimensional portrait information of the target user, where the multi-dimensional portrait information has a preset priority; from the multi-dimensional portrait information, determine the portrait information of the target dimension with the highest priority that meets the preset judgment conditions; determine the insurance information of the target order corresponding to the target user based on the portrait information of the target dimension; and recommend the insurance information to the target user, thereby providing a method for recommending insurance information based on user portrait, which can recommend insurance information to the user in a targeted manner based on the user's portrait information, thereby improving the accuracy of the insurance information. BRIEF DESCRIPTION OF THE DRAWINGS

[0029] Other features, objects and advantages of the present application will become more apparent by reading the detailed description of non-limiting embodiments made with reference to the following drawings:

[0030] Figure 1 is an exemplary system architecture diagram to which an embodiment of the present application can be applied;

[0031] Figure 2 is a flowchart of an embodiment of the method for recommending insured value information based on user portraits according to the present application;

[0032] Figure 3 is a schematic diagram of an application scenario of the method for recommending insured value information based on user portraits according to this embodiment;

[0033] Figure 4 is a flowchart of another embodiment of the method for recommending insured value information based on user portraits according to the present application;

[0034] Figure 5 is a structural diagram of an embodiment of the device for recommending insured value information based on user portraits according to the present application;

[0035] Figure 6 is a schematic structural diagram of a computer system suitable for implementing the embodiments of the present application. Detailed implementation manners

[0036] The present application will be further described in detail below with reference to the accompanying drawings and embodiments. It can be understood that the specific embodiments described herein are only used to explain the related invention, rather than limiting the invention. In addition, it should be noted that for the sake of convenience of description, only parts related to the relevant invention are shown in the drawings.

[0037] It should be noted that, without conflict, the embodiments in the present application and the features in the embodiments can be combined with each other. The present application will be described in detail below with reference to the drawings and embodiments.

[0038] It should be noted that in the technical solutions of the present disclosure, in terms of the collection, gathering, updating, analysis, processing, use, transmission, storage, etc. of user personal information, they all comply with the provisions of relevant laws and regulations, are used for legal purposes, and do not violate public order and good customs. Necessary measures are taken for user personal information to prevent illegal access to user personal information data, and to safeguard user personal information security, network security, and national security.

[0039] Figure 1 shows an exemplary architecture 100 to which the method and device for recommending insured value information based on user portraits of the present application can be applied.

[0040] As Figure 1As shown, the system architecture 100 may include terminal devices 101, 102, 103, a network 104, and a server 105. The terminal devices 101, 102, 103 are communicatively connected to form a topology network, and the network 104 is used as a medium to provide communication links between the terminal devices 101, 102, 103 and the server 105. The network 104 may include various connection types, such as wired, wireless communication links, or fiber optic cables, etc.

[0041] Users can use the terminal devices 101, 102, 103 to interact with the server 105 through the network 104 to receive or send messages, etc. The terminal devices 101, 102, 103 can be hardware devices or software that support network connections for data interaction and data processing. When the terminal devices 101, 102, 103 are hardware, they can be various electronic devices that support network connections, information acquisition, interaction, display, processing, etc., including but not limited to smartphones, tablets, e-book readers, laptop computers, and desktop computers, etc. When the terminal devices 101, 102, 103 are software, they can be installed in the above-listed electronic devices. It can be implemented as, for example, multiple software or software modules for providing distributed services, or it can be implemented as a single software or software module. Specific limitations are not made here.

[0042] The server 105 can be a server that provides various services. For example, for a target order placed by a target user through the terminal devices 101, 102, 103, it is a background processing server that determines the price protection information of the target order according to the portrait information of the target user. As an example, the server 105 can be a cloud server.

[0043] It should be noted that the server can be hardware or software. When the server is hardware, it can be implemented as a distributed server cluster composed of multiple servers, or it can be implemented as a single server. When the server is software, it can be implemented as multiple software or software modules (such as software or software modules for providing distributed services), or it can be implemented as a single software or software module. Specific limitations are not made here.

[0044] It should also be noted that the method for recommending price protection information based on user portraits provided by the embodiments of the present application can be executed by the server, or by the terminal device, or by the server and the terminal device cooperating with each other. Correspondingly, each part (such as each unit) included in the device for recommending price protection information based on user portraits can be all set in the server, or all set in the terminal device, or separately set in the server and the terminal device.

[0045] It should be understood, Figure 1The numbers of the terminal devices, networks, and servers in it are merely illustrative. According to the implementation requirements, there can be any number of terminal devices, networks, and servers. When the electronic device on which the method for recommending insurance price information based on user portraits runs does not need to perform data transmission with other electronic devices, the system architecture can only include the electronic device (such as a server or a terminal device) on which the method for recommending insurance price information based on user portraits runs.

[0046] Continue to refer to Figure 2 , which shows a flow 200 of an embodiment of the method for recommending insurance price information based on user portraits, including the following steps:

[0047] Step 201, determine the multi-dimensional portrait information of the target user.

[0048] In this embodiment, the execution entity (such as Figure 1 the terminal device or server in it) of the method for recommending insurance price information based on user portraits can obtain the multi-dimensional portrait information of the target user from remote or local through a wired network connection method or a wireless network connection method. Among them, the multi-dimensional portrait information has a preset priority.

[0049] The target user is a user waiting to place an order on a shopping platform or a logistics platform, and the portrait information is information reflecting user characteristics, such as portrait information of user social attributes, living habits, and consumption behaviors, etc.

[0050] As an example, the above execution entity can collect the operation record information (such as purchase records, browsing records) of users from a shopping platform or a logistics platform, perform feature extraction on the shopping operation record information, determine the features of each dimension of the users, generate a portrait information list of each user, and distinguish different users through a unique user identifier. In response to receiving the order placement operation of the target user, determine the user identifier of the target user, and thus determine the portrait information corresponding to the user identifier from the portrait information list.

[0051] In the order from high to low priority, the multi-dimensional portrait information includes, for example: order information dimension, historical claim information dimension, historical order information dimension, historical complaint information dimension.

[0052] Step 202, determine the portrait information of the target dimension with the highest priority that meets the preset determination conditions from the multi-dimensional portrait information.

[0053] In this embodiment, the above execution entity can determine the portrait information of the target dimension with the highest priority that meets the preset determination conditions from the multi-dimensional portrait information.

[0054] As an example, for multi-dimensional portrait information, in the order of decreasing priority, it is determined whether the multi-dimensional portrait information meets the preset determination conditions in turn, and the first dimension that meets the preset determination conditions is determined as the target dimension. Among them, the preset determination conditions can be specifically determined according to the actual situation, and the preset determination conditions corresponding to each dimension can be the same or different. For example, when the preset determination conditions corresponding to each dimension are different, for the order information dimension, the corresponding preset determination condition is whether the item corresponding to the target order is a fragile item; for the historical order information dimension, the corresponding preset determination condition is whether the insured value ratio of the target user's historical orders exceeds the preset threshold. Among them, the insured value ratio is the ratio of the orders with insured value information in the historical orders to the historical orders.

[0055] Step 203: Determine the insured value information of the target order corresponding to the target user according to the portrait information of the target dimension.

[0056] In this embodiment, the above execution subject can determine the insured value information of the target order corresponding to the target user according to the portrait information of the target dimension. In the e-commerce field, insured value is usually referred to as "price protection" or "price guarantee". This kind of insured value service allows consumers to apply for compensation such as a refund or a coupon from the e-commerce platform or the merchant if the price of the item drops within a certain period after purchasing the item, so as to protect their rights and interests.

[0057] As an example, the above execution subject can perform feature extraction on the portrait information of the target dimension, and thus determine the insured value information of the target order corresponding to the target user according to the feature extraction result. For example, the feature extraction result includes historical orders with the same attributes as the target order (such as the same or similar items corresponding to the order, or the same or similar price ranges of the items corresponding to the order), and the insured value information specified by the user in the historical orders is determined as the insured value information of the target order corresponding to the target user.

[0058] As another example, the above execution subject can input the portrait information of the target dimension into an insured value information determination model, and determine the insured value information of the target order corresponding to the target user through the insured value information determination model. Among them, the insured value information determination model is used to represent the corresponding relationship between the portrait information of the target dimension of the user and the insured value information of the target order corresponding to the user, and it can be a neural network model trained based on machine learning algorithms. For example, the insured value information determination model includes a feature extraction layer and a classification layer. The portrait features of the portrait information are extracted through the feature extraction layer, and the portrait features are mapped to the corresponding target insured value information among multiple classified insured value information through the classification layer, so as to determine the insured value information of the target order corresponding to the target user.

[0059] Step 204: Recommend the insured value information to the target user.

[0060] In this embodiment, the above-mentioned execution entity can recommend insurance information to the target user.

[0061] As an example, in the display page of the target order to be placed by the target user, a display area for insurance information is provided, and the execution subject displays the determined insurance information in the display area. A selection button for the recommended insurance information can also be provided in the display area, and the target user can operate the selection button to select the insurance information.

[0062] Continue to see Figure 3 , Figure 3 FIG. 3 is a schematic diagram 300 of an application scenario of the method for recommending insurance information based on user portraits according to the present embodiment. Figure 3 In the application scenario, the target user 301 places a target order on the logistics transportation platform through the terminal device 302 to transport specific items to the target destination. In response to determining that the target user places an order on the logistics transportation platform, the server 303 first obtains multi-dimensional portrait information of the target user from the logistics transportation platform, and the multi-dimensional portrait information has a preset priority. For example, the multi-dimensional portrait information includes an order information dimension, a historical claims information dimension, a historical order information dimension, and a historical complaint information dimension; then, from the multi-dimensional portrait information, the portrait information of the target dimension with the highest priority that meets the preset judgment conditions is determined; then, based on the portrait information of the target dimension, the insurance information of the target order corresponding to the target user is determined; finally, the insurance information is recommended to the target user.

[0063] The method provided by the above-mentioned embodiment of the present application determines the portrait information of the target user; determines the insurance information of the target order corresponding to the target user based on the portrait information; and recommends the insurance information to the target user, thereby providing a method for recommending insurance information based on user portrait. The insurance information can be specifically recommended to the user based on the user's portrait information, thereby improving the accuracy of the insurance information.

[0064] In some optional implementations of the present embodiment, the execution entity may perform step 202 as follows: for the order information dimension corresponding to the target order, determine whether the target item corresponding to the target order is included in the high-value item configuration table; in response to determining that the target item is included in the high-value item configuration table, determine the order information dimension as the target dimension.

[0065] In this implementation, the execution subject may perform step 203 in the following manner: determining the insurance information according to the category to which the target item belongs.

[0066] The pre-set high-value item configuration table includes a variety of high-value items, such as diamonds, antiques, cultural relics, etc. Specifically, in the high-value item configuration table, for items of different categories (such as different brands, different specifications, different types), corresponding insured amounts or insured amount ranges are set. The above-mentioned execution entity determines the category to which the target item belongs from the high-value item configuration table, and determines the insured amount or insured amount range corresponding to the category to which the target item belongs as the insured information to be recommended to the target user.

[0067] In this application, for the order information dimension with the first priority, a specific method for determining the insured information is provided, which further improves the accuracy of the insured information.

[0068] In some optional implementation manners of this embodiment, the above-mentioned execution entity may execute the above step 202 in the following manner: in response to determining that the high-value item configuration table does not include the target item, determine whether the historical claim information of the historical claim information dimension of the target user meets the first sub-determination condition corresponding to the historical claim information dimension; in response to determining that the historical claim information meets the first sub-determination condition, determine the historical claim information dimension as the target dimension.

[0069] In this implementation manner, the above-mentioned execution entity may execute the above step 203 in the following manner: determine the insured information according to the historical claim information.

[0070] When the portrait information in the first-priority dimension does not meet its corresponding preset determination condition, the above-mentioned execution entity continues to determine whether the historical claim information in the second-priority dimension (historical claim information dimension) meets the first sub-determination condition corresponding to the historical claim information dimension. Among them, the first sub-determination condition is preset for the historical claim information dimension. For example, whether the user's historical claim amount exceeds a certain amount, and whether the user's historical claim times exceed a certain number of times.

[0071] When the portrait information in the second-priority dimension meets its corresponding first sub-determination condition, determine the insured information to be recommended to the target user according to the historical claim information. For example, determine the average claim amount of the historical claim amount as the insured information.

[0072] In this implementation manner, for the historical claim information dimension with the second priority, a specific method for determining the insured information is provided, which further improves the accuracy of the insured information.

[0073] In some alternative implementation manners of this embodiment, the first sub-determination condition includes that a single historical claim settlement amount exceeds a preset claim settlement amount threshold (for example, 5,000 yuan), there is a claim settlement record where the historical claim settlement amount is greater than the corresponding historical insured value amount, the claim settlement ratio of orders within a first preset time period exceeds a preset ratio (for example, 20%), and the claim settlement duration within a first preset time period exceeds a preset claim settlement duration (for example, 7 days). It should be noted that all preset information involved in this application, including the above-mentioned preset claim settlement amount threshold, preset ratio, preset claim settlement duration and other preset information, as well as subsequent preset rate thresholds, preset insured value amount thresholds and other preset information, can be specifically set according to actual situations and will not be limited here.

[0074] In this implementation manner, the above-mentioned execution entity can determine the insured value information according to the historical claim settlement information in the following manner: in response to determining that a single historical claim settlement amount in the historical claim settlement information exceeds the preset claim settlement amount threshold, determining the single historical claim settlement amount as the insured value information; in response to determining that there is a claim settlement record in the historical claim settlement information where the historical claim settlement amount is greater than the corresponding historical insured value amount, determining the historical claim settlement amount as the insured value information; in response to determining that the claim settlement ratio of orders within a first preset time period in the historical claim settlement information exceeds the preset ratio, determining the average claim settlement amount of claim settlement orders within the first preset time period as the insured value information; in response to determining that the claim settlement duration within a first preset time period in the historical claim settlement information exceeds the preset claim settlement duration, determining the range of insured value amounts obtained based on the average claim settlement amount of claim settlement orders within the first preset time period as the insured value information.

[0075] As an example, if the single historical claim settlement amount of the target user is 6,000 yuan, which is greater than the preset claim settlement amount threshold of 5,000 yuan, it is considered that the target user has a large claim settlement, and the recommended insured value information is 6,000 yuan; there is historical claim settlement information with an insured value amount of 500 yuan and a claim settlement amount of 2,000 in the historical claim settlement information of the target user, and the recommended insured value amount is 1 - 3 times the claim settlement amount, specifically 2,000 - 6,000 yuan; the target user placed 10 orders and had 3 claim settlements within 3 months up to the current time, and the claim settlement ratio > the preset ratio of 20%, then it is considered that the target user is a high-frequency claim settlement customer, and the recommended insured value amount is the average claim settlement amount within 3 months, specifically 800 yuan; the claim settlement duration of the target user within 3 months up to the current time is 12 days, which is greater than the preset claim settlement duration of 7 days, and the recommended insured value amount is 1 - 2 times the average claim settlement amount. The average claim settlement amount is 5,000, and the recommended insured value amount is 5,000 - 10,000 yuan.

[0076] For multiple conditions in the first sub-determination condition, their priorities can be determined in the above order, so that for the portrait information in the dimension of historical claim information, the information determination process and the insured value information determination process based on the first sub-determination condition can be carried out more orderly. In this implementation manner, for the portrait information in the dimension of historical claim information, specific determination methods of insured value information under different sub-determination conditions are provided, further improving the accuracy of the insured value information and the degree of fit between the insured value information and the target user.

[0077] In some optional implementation manners of this embodiment, the above-mentioned execution subject may execute the above step 202 in the following manner: in response to determining that the historical claim information does not meet the first sub-determination condition, determine whether the historical order information in the dimension of the target user's historical order information meets the second sub-determination condition corresponding to the dimension of historical order information; in response to determining that the historical order information meets the second sub-determination condition, determine the dimension of historical order information as the target dimension.

[0078] In this implementation manner, the above-mentioned execution subject may execute the above step 203 in the following manner: determine the insured value information according to the historical order information.

[0079] When the portrait information in the dimension of the second priority does not meet its corresponding first sub-determination condition, the above-mentioned execution subject continues to determine whether the historical order information in the dimension of the third priority (dimension of historical order information) meets the second sub-determination condition corresponding to the dimension of historical order information. Among them, the second sub-determination condition is preset for the dimension of historical order information. For example, the proportion of insured value orders in the user's historical orders is greater than a certain proportion, and the total insured value amount of the insured value orders in the user's historical orders is greater than a certain value.

[0080] When the portrait information in the dimension of the third priority meets its corresponding second sub-determination condition, determine the insured value information to be recommended to the target user according to the historical order information. For example, determine the average insured value amount of the insured value orders as the insured value information.

[0081] In this implementation manner, for the dimension of historical order information with the third priority, a specific determination method of insured value information is provided, further improving the accuracy of the insured value information.

[0082] In some optional implementation manners of this embodiment, the above-mentioned second sub-determination condition includes that the historical order includes a high-insured value order with an insured value amount greater than a preset insured value amount threshold (for example, 5000 yuan), and the historical order includes a high-rate order with an insured value rate greater than a preset rate threshold (for example, 10‰).

[0083] In this implementation manner, the above-mentioned execution entity can determine the insured amount information based on historical order information in the following manner: in response to determining that the historical order information includes a high-insured-amount order with an insured amount greater than a preset insured amount threshold, determining the insured amount corresponding to the high-insured-amount order as the insured amount information; in response to determining that the historical order information includes a high-rate order with an insured rate greater than a preset rate threshold, determining the insured amount information based on the insured amount setting operation of the target user.

[0084] As an example, the above-mentioned execution entity traverses the insured amounts of historical orders, determines an order with an insured amount of 8,000 yuan, the insured amount is greater than the preset insured amount threshold of 5,000 yuan, and recommends an insured amount of 8,000 yuan; traverses the insured rates of historical orders, determines an order with an insured rate of 20‰, the insured rate is greater than the preset rate threshold of 10‰, and determines the insured amount as the insured amount independently set by the user.

[0085] In this implementation manner, for the portrait information in the dimension of historical order information, specific determination methods of insured amount information under different sub-determination conditions are provided, further improving the accuracy of the insured amount information and the degree of fit between the insured amount information and the target user.

[0086] In some optional implementation manners of this embodiment, the above-mentioned execution entity can execute the above step 202 in the following manner: in response to determining that the historical order information does not meet the second sub-determination condition, determining whether the historical complaint information within the second preset time period in the dimension of the target user's historical complaint information includes complaint information regarding claim settlement information; in response to determining that the historical complaint information includes complaint information regarding claim settlement information, determining the dimension of the historical complaint information as the target dimension.

[0087] In this implementation manner, the above-mentioned execution entity can execute the above step 203 in the following manner: determining the insured amount information according to the historical complaint information.

[0088] As an example, in response to determining that the historical complaint information includes complaint information regarding claim settlement information, determining the insured amount information according to the insured amount setting operation of the target user for the insured amount information.

[0089] In this implementation manner, for the dimension of historical complaint information at the fourth priority level, specific determination methods of insured amount information are provided, further improving the accuracy of the insured amount information.

[0090] In some optional implementation manners of this embodiment, the above-mentioned execution entity can also perform the following operations: in response to receiving a claim settlement operation of the target user for the target order with the set insured amount information, completing the claim settlement process triggered by the claim settlement operation within a preset duration.

[0091] As an example, for a target order with insured value information set, the above-mentioned execution entity can set an identifier for it to indicate that the target order is an order with insured value information set and requires quick claims settlement within a preset duration. The preset duration is, for example, one day.

[0092] Specifically, the above-mentioned execution entity can quickly send the claims settlement information to the corresponding claims settlement operator to remind the claims settlement operator to process the claims settlement operation in a timely manner, which helps to improve the claims settlement efficiency of the target order with insured value information set and enhance the user experience.

[0093] In some alternative implementation manners of this embodiment, the above-mentioned execution entity can process the claims settlement process in the following manner:

[0094] First, send the claims settlement information corresponding to the claims settlement operation to the target processing object corresponding to the area where the target order belongs.

[0095] As an example, different areas correspond to different target processing objects (for example, claims settlement operators). The above-mentioned execution entity determines the target processing object responsible for handling the claims settlement matters in this area according to the area where the target order belongs, and thus sends the claims settlement information to the terminal device corresponding to the target processing object through a preset communication method (for example, an instant messaging application).

[0096] Second, determine the claims settlement amount corresponding to the claims settlement operation based on the processing operation of the target processing object on the claims settlement information.

[0097] As an example, the target processing object performs processing operations such as confirmation and loss assessment on the claims settlement information, and thus determines the claims settlement amount corresponding to the claims settlement operation according to the processing result.

[0098] Third, complete the payment operation in the claims settlement process based on the claims settlement amount. Among them, the entire processing duration corresponding to the claims settlement process is less than the preset duration.

[0099] In this implementation manner, the claims settlement process specifically includes the determination process of the target processing object, the information distribution process for the target processing object, the processing process of the target processing object, and the payment process, which is restricted by the preset duration, and helps to further improve the claims settlement efficiency of the target order with insured value information set and enhance the user experience.

[0100] In some alternative implementation manners of this embodiment, the above execution entity may execute the above second step through the following operations: in response to determining that the target processing object claims the claim information, complete the loss assessment operation corresponding to the claim information within a first preset sub-duration (for example, 2 hours), and determine the claim amount based on the loss assessment operation; in response to determining that the target processing object claims the claim information and the loss assessment operation is not completed within a second preset sub-duration (for example, 4 hours), send the claim information to the target processing object again and send it to a high-level processing object with a level attribute higher than that of the target processing object to determine the claim amount, where the second preset sub-duration is greater than the first preset sub-duration; in response to determining that the target processing object claims the claim information and the loss assessment operation is not completed within a third preset sub-duration (for example, 8 hours), determine the insured amount as the claim amount, where the third preset sub-duration is greater than the second preset sub-duration.

[0101] In this implementation manner, a specific method for determining the claim amount is provided, and the duration of the claim amount processing process is strictly limited, which helps to further improve the claim settlement efficiency.

[0102] In some alternative implementation manners of this embodiment, the above execution entity may execute the above third step through the following operations: in response to determining that the claim amount is less than a preset claim amount threshold (for example, 10,000 yuan), or the claim amount is not less than the preset claim amount threshold and the claim amount is less than the actual insured amount, complete the payment operation corresponding to the claim settlement operation within a fourth preset sub-duration (for example, 2 hours), where the actual insured amount represents the partial insured amount corresponding to the actually damaged items in the target order in the insured information; in response to determining that the claim amount is not less than the actual insured amount, complete the payment operation corresponding to the claim settlement operation within a fifth preset sub-duration (for example, 24 hours). For example, when the claim amount is not less than the actual insured amount, a fast approval process is followed, and the approval must be completed within 24 hours. If the approval times out, it is defaulted to be automatically approved, and the payment is made for compensation.

[0103] In some cases, only a part of the items corresponding to the target order may be damaged. For example, there are 5 items corresponding to the target order, and 3 of them are damaged. At this time, the actual insured amount can be determined by the proportion of the damaged items in all the items corresponding to the target order.

[0104] In this implementation manner, a specific processing method for the payment operation is provided, and the duration of the payment processing process is strictly limited, which helps to further improve the claim settlement efficiency.

[0105] Continue to refer to Figure 4 , which shows a schematic flow 400 of an embodiment of the insured information recommendation method based on user portraits according to the present application, including the following steps:

[0106] Step 401: Determine the portrait information of the target user.

[0107] Among them, the portrait information includes multi-dimensional portrait information with a preset priority.

[0108] Step 402: From the multi-dimensional portrait information, determine the portrait information of the target dimension with the highest priority that meets the preset determination conditions.

[0109] Step 403: Determine the price protection information according to the portrait information of the target dimension.

[0110] Step 404: Recommend the price protection information to the target user.

[0111] Step 405: In response to receiving the claim operation of the target user for the target order with the set price protection information, complete the claim process triggered by the claim operation within a preset duration.

[0112] It can be seen from this embodiment that compared with Figure 2 the corresponding embodiment, the process 400 of the price protection information recommendation method based on user portraits in this embodiment specifically describes the determination process of the price protection information and the claim process of the target order of the price protection information, further improving the determination efficiency and accuracy of the price protection information, as well as the processing efficiency of the claim process.

[0113] Continuing to refer to Figure 5 , as an implementation of the methods shown in the above figures, the present application provides an embodiment of a price protection information recommendation device based on user portraits. This device embodiment corresponds to Figure 2 the method embodiment shown, and this device can be specifically applied to various electronic devices.

[0114] As shown in Figure 5 , the price protection information recommendation device based on user portraits includes: a first determination unit 501 configured to determine multi-dimensional portrait information of the target user, where the multi-dimensional portrait information has a preset priority; a second determination unit 502 configured to determine, from the multi-dimensional portrait information, the portrait information of the target dimension with the highest priority that meets the preset determination conditions; a third determination unit 503 configured to determine the price protection information of the target order corresponding to the target user according to the portrait information of the target dimension; and a recommendation unit 504 configured to recommend the price protection information to the target user.

[0115] In some alternative implementation manners of this embodiment, the second determination unit 502 is further configured to: for the order information dimension corresponding to the target order, determine whether the target item corresponding to the target order is included in the high-value item configuration table; in response to determining that the target item is included in the high-value item configuration table, determine the order information dimension as the target dimension; and the third determination unit 503 is further configured to: determine the insured value information according to the category to which the target item belongs.

[0116] In some alternative implementation manners of this embodiment, the second determination unit 502 is further configured to: in response to determining that the target item is not included in the high-value item configuration table, determine whether the historical claim settlement information of the historical claim settlement information dimension of the target user meets the first sub-determination condition corresponding to the historical claim settlement information dimension; in response to determining that the historical claim settlement information meets the first sub-determination condition, determine the historical claim settlement information dimension as the target dimension; and the third determination unit 503 is further configured to: determine the insured value information according to the historical claim settlement information.

[0117] In some alternative implementation manners of this embodiment, the first sub-determination condition includes that the single historical claim settlement amount exceeds the preset claim settlement amount threshold, there is a claim settlement record where the historical claim settlement amount is greater than the corresponding historical insured value amount, the claim settlement ratio of the orders within the first preset time period exceeds the preset ratio, and the claim settlement duration within the first preset time period exceeds the preset claim settlement duration; and the second determination unit 502 is further configured to: in response to determining that the single historical claim settlement amount in the historical claim settlement information exceeds the preset claim settlement amount threshold, determine the single historical claim settlement amount as the insured value information; in response to determining that there is a claim settlement record where the historical claim settlement amount is greater than the corresponding historical insured value amount in the historical claim settlement information, determine the historical claim settlement amount as the insured value information; in response to determining that the claim settlement ratio of the orders within the first preset time period in the historical claim settlement information exceeds the preset ratio, determine the average claim settlement amount of the claim settlement orders within the first preset time period as the insured value information; in response to determining that the claim settlement duration within the first preset time period in the historical claim settlement information exceeds the preset claim settlement duration, determine the insured value amount range obtained based on the average claim settlement amount of the claim settlement orders within the first preset time period as the insured value information.

[0118] In some alternative implementation manners of this embodiment, the second determination unit 502 is further configured to: in response to determining that the historical claim settlement information does not meet the first sub-determination condition, determine whether the historical order information of the historical order information dimension of the target user meets the second sub-determination condition corresponding to the historical order information dimension; in response to determining that the historical order information meets the second sub-determination condition, determine the historical order information dimension as the target dimension; and the third determination unit 503 is further configured to: determine the insured value information according to the historical order information.

[0119] In some alternative implementation manners of this embodiment, the above second sub-determination condition includes a high-insurance-value order in the historical order with an insurance value greater than a preset insurance value threshold, and a high-insurance-rate order in the historical order with an insurance rate greater than a preset rate threshold; and the above second determination unit 502 is further configured to: in response to determining that the historical order information includes a high-insurance-value order with an insurance value greater than the preset insurance value threshold, determine the insurance value corresponding to the high-insurance-value order as the insurance information; in response to determining that the historical order information includes a high-insurance-rate order with an insurance rate greater than the preset rate threshold, determine the insurance information based on the insurance setting operation of the target user.

[0120] In some alternative implementation manners of this embodiment, the above second determination unit 502 is further configured to: in response to determining that the historical order information does not meet the second sub-determination condition, determine whether the historical complaint information within a second preset time period in the dimension of the target user's historical complaint information includes complaint information regarding claim settlement information; in response to determining that the historical complaint information includes complaint information regarding claim settlement information, determine the dimension of the historical complaint information as the target dimension; and the above third determination unit 503 is further configured to: determine the insurance information according to the historical complaint information.

[0121] In some alternative implementation manners of this embodiment, the above device further includes: a claim settlement unit (not shown in the figure), configured to, in response to receiving a claim settlement operation of the target user for a target order with set insurance information, complete the claim settlement process triggered by the claim settlement operation within a preset duration.

[0122] In some alternative implementation manners of this embodiment, the above claim settlement unit is further configured to: send the claim settlement information corresponding to the claim settlement operation to a target processing object corresponding to the area to which the target order belongs; determine the claim settlement amount corresponding to the claim settlement operation based on the processing operation of the target processing object on the claim settlement information; and complete the payment operation in the claim settlement process based on the claim settlement amount, where the entire processing duration corresponding to the claim settlement process is less than the preset duration.

[0123] In some alternative implementation manners of this embodiment, the above claims settlement unit is further configured to: upon determining that the target processing object claims the claims settlement information, complete the loss assessment operation corresponding to the claims settlement information within the first preset sub-duration, and determine the claims settlement amount based on the loss assessment operation; upon determining that the target processing object claims the claims settlement information and the loss assessment operation is not completed within the second preset sub-duration, resend the claims settlement information to the target processing object and send it to a high-level processing object whose level attribute is higher than that of the target processing object to determine the claims settlement amount, where the second preset sub-duration is greater than the first preset sub-duration; upon determining that the target processing object claims the claims settlement information and the loss assessment operation is not completed within the third preset sub-duration, determine the insured value information as the claims settlement amount, where the third preset sub-duration is greater than the second preset sub-duration.

[0124] In some alternative implementation manners of this embodiment, the above claims settlement unit is further configured to: upon determining that the claims settlement amount is less than the preset claims settlement amount threshold, or the claims settlement amount is not less than the preset claims settlement amount threshold and the claims settlement amount is less than the actual insured value amount, complete the payment operation corresponding to the claims settlement operation within the fourth preset sub-duration, where the actual insured value amount represents the partial insured value amount corresponding to the actually damaged items in the target order in the insured value information; upon determining that the claims settlement amount is not less than the actual insured value amount, complete the payment operation corresponding to the claims settlement operation within the fifth preset sub-duration.

[0125] In this embodiment, the first determination unit in the insured value information recommendation device based on the user portrait determines the portrait information of the target user; the second determination unit determines the portrait information of the target dimension that meets the preset determination conditions and has the highest priority from the multi-dimensional portrait information; the third determination unit determines the insured value information of the target order corresponding to the target user according to the portrait information of the target dimension; the recommendation unit recommends the insured value information to the target user, thereby providing an insured value information recommendation device based on the user portrait, which can recommend the insured value information to the user pertinently according to the user's portrait information, and improves the accuracy of the insured value information.

[0126] The following refers to Figure 6 , which shows a schematic structural diagram of a computer system 600 of a device (such as Figure 1 the devices 101, 102, 103, 105 shown) suitable for implementing the embodiments of the present application. Figure 6 The devices shown are only examples and should not impose any limitation on the functions and usage scopes of the embodiments of the present application.

[0127] Such as Figure 6As shown, computer system 600 includes a processor (e.g., CPU, central processing unit) 601 that can perform various appropriate actions and processes according to a program stored in read-only memory (ROM) 602 or a program loaded from storage section 608 into random access memory (RAM) 603. In RAM 603, various programs and data required for the operation of system 600 are also stored. The processor 601, ROM 602, and RAM 603 are connected to each other via bus 604. Input / output (I / O) interface 605 is also connected to bus 604.

[0128] The following components are connected to I / O interface 605: an input section 606 including a keyboard, a mouse, etc.; an output section 607 including a cathode ray tube (CRT), a liquid crystal display (LCD), etc. and a speaker, etc.; a storage section 608 including a hard disk, etc.; and a communication section 609 including a network interface card such as a LAN card, a modem, etc. The communication section 609 performs communication processing via a network such as the Internet. A drive 610 is also connected to I / O interface 605 as needed. A removable medium 611, such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, etc., is installed on drive 610 as needed so that a computer program read from it can be installed into storage section 608 as needed.

[0129] Specifically, according to an embodiment of the present application, the process described above with reference to the flowchart can be implemented as a computer software program. For example, an embodiment of the present application includes a computer program product that includes a computer program carried on a computer-readable medium, and the computer program contains program code for performing the method shown in the flowchart. In such an embodiment, the computer program can be downloaded and installed from the network via communication section 609, and / or installed from removable medium 611. When the computer program is executed by processor 601, the above-mentioned functions defined in the method of the present application are performed.

[0130] It should be noted that the computer-readable medium of the present application can be a computer-readable signal medium, a computer-readable storage medium, or any combination of the two. A computer-readable storage medium can be, for example, but not limited to, an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination of the above. More specific examples of a computer-readable storage medium can include, but are not limited to: an electrical connection with one or more wires, a portable computer disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the above. In the present application, a computer-readable storage medium can be any tangible medium that contains or stores a program that can be used by or in conjunction with an instruction execution system, apparatus, or device. In the present application, a computer-readable signal medium can include a data signal propagated in a baseband or as part of a carrier wave, which carries computer-readable program code. Such a propagated data signal can take various forms, including but not limited to electromagnetic signals, optical signals, or any suitable combination of the above. A computer-readable signal medium can also be any computer-readable medium other than a computer-readable storage medium, which can send, propagate, or transmit a program for use by or in conjunction with an instruction execution system, apparatus, or device. The program code contained on a computer-readable medium can be transmitted using any appropriate medium, including but not limited to: wireless, wire, optical cable, RF, etc., or any suitable combination of the above.

[0131] The computer program code for performing the operations of the present application can be written in one or more programming languages or combinations thereof. The programming languages include object-oriented programming languages such as Java, Smalltalk, C++, and also include conventional procedural programming languages such as the "C" language or similar programming languages. The program code can be executed entirely on the client computer, partially on the client computer, executed as an independent software package, partially on the client computer and partially on a remote computer, or entirely on a remote computer or server. In the case of a remote computer, the remote computer can be connected to the client computer through any type of network, including a local area network (LAN) or a wide area network (WAN), or can be connected to an external computer (for example, by using an Internet service provider to connect through the Internet).

[0132] The flowcharts and block diagrams in the accompanying drawings illustrate the possible architectures, functions, and operations of apparatuses, methods, and computer program products according to various embodiments of the present application. In this regard, each block in the flowchart or block diagram may represent a module, a segment of a program, or a part of code that contains one or more executable instructions for implementing the specified logical function. It should also be noted that in some alternative implementations, the functions marked in the blocks may occur in a different order than that marked in the accompanying drawings. For example, two consecutive blocks shown may actually be executed substantially in parallel, and they may sometimes be executed in the reverse order, depending on the functions involved. It should also be noted that each block in the block diagram and / or flowchart, as well as combinations of blocks in the block diagram and / or flowchart, can be implemented by a dedicated hardware-based system that performs the specified functions or operations, or can be implemented by a combination of dedicated hardware and computer instructions.

[0133] The units involved in the embodiments described in the present application can be implemented in software or in hardware. The described units can also be provided in a processor. For example, it can be described as a processor including a first determination unit, a second determination unit, a third determination unit, and a recommendation unit. Among them, the names of these units do not constitute a limitation on the unit itself in some cases. For example, the second determination unit can also be described as "the unit that determines the portrait information of the target dimension with the highest priority that meets the preset determination conditions from the multi-dimensional portrait information".

[0134] As another aspect, the present application also provides a computer-readable medium, which may be included in the device described in the above embodiments; or it may exist separately and not be assembled into the device. The above computer-readable medium carries one or more programs. When the above one or more programs are executed by the device, the computer device is caused to: determine the multi-dimensional portrait information of the target user, where the multi-dimensional portrait information has a preset priority; determine the portrait information of the target dimension with the highest priority that meets the preset determination conditions from the multi-dimensional portrait information; determine the price protection information of the target order corresponding to the target user according to the portrait information of the target dimension; and recommend the price protection information to the target user.

[0135] The above description is only a preferred embodiment of the present application and an explanation of the applied technical principles. Those skilled in the art should understand that the scope of the invention involved in the present application is not limited to the technical solutions formed by the specific combination of the above technical features, but should also cover other technical solutions formed by any combination of the above technical features or their equivalent features without departing from the above inventive concept. For example, the technical solutions formed by mutually replacing the above features with the technical features (but not limited to) disclosed in the present application that have similar functions.

Claims

1. A method for recommending insured value information based on user portraits, including: Determine multi-dimensional portrait information of the target user, where the multi-dimensional portrait information has a preset priority; From the multi-dimensional portrait information, determine the portrait information of the target dimension with the highest priority that meets the preset determination conditions; According to the portrait information of the target dimension, determine the insured value information of the target order corresponding to the target user; recommend the insured value information to the target user.

2. The method according to claim 1, wherein, The step of determining the portrait information of the target dimension with the highest priority that meets the preset determination conditions from the multi-dimensional portrait information includes: For the order information dimension corresponding to the target order, determine whether the target item corresponding to the target order is included in the high-value item configuration table; In response to determining that the target item is included in the high-value item configuration table, determine the order information dimension as the target dimension; and The step of determining the insured value information of the target order corresponding to the target user according to the portrait information of the target dimension includes: Determine the insured value information according to the category to which the target item belongs.

3. The method according to claim 2, wherein, The step of determining the portrait information of the target dimension with the highest priority that meets the preset determination conditions from the multi-dimensional portrait information includes: In response to determining that the target item is not included in the high-value item configuration table, determine whether the historical claim settlement information of the historical claim settlement information dimension of the target user meets the first sub-determination condition corresponding to the historical claim settlement information dimension; In response to determining that the historical claim settlement information meets the first sub-determination condition, determine the historical claim settlement information dimension as the target dimension; and The step of determining the insured value information of the target order corresponding to the target user according to the portrait information of the target dimension includes: Determine the insured value information according to the historical claim settlement information.

4. The method according to claim 3, wherein, The first sub-determination condition includes that the single historical claim settlement amount exceeds the preset claim settlement amount threshold, there is a claim settlement record where the historical claim settlement amount is greater than the corresponding historical insured value amount, the claim settlement ratio of orders within the first preset time period exceeds the preset ratio, and the claim settlement duration within the first preset time period exceeds the preset claim settlement duration; and The step of determining the insured value information according to the historical claim settlement information includes: In response to determining that the single historical claim settlement amount in the historical claim settlement information exceeds the preset claim settlement amount threshold, determine the single historical claim settlement amount as the insured value information; In response to determining that there is a claim settlement record in the historical claim settlement information where the historical claim settlement amount is greater than the corresponding historical insured value amount, determine the historical claim settlement amount as the insured value information; In response to determining that the claim settlement ratio of orders within the first preset time period in the historical claim settlement information exceeds the preset ratio, determine the average claim settlement amount of the claim settlement orders within the first preset time period as the insured value information; In response to determining that the claim settlement duration within the first preset time period in the historical claim settlement information exceeds the preset claim settlement duration, the insured amount range obtained based on the average insured amount of the claim settlement orders within the first preset time period is determined as the insured information.

5. The method according to claim 3, wherein, determining the portrait information of the target dimension with the highest priority that meets the preset determination conditions from the multi-dimensional portrait information includes: in response to determining that the historical claim settlement information does not meet the first sub-determination condition, determining whether the historical order information of the historical order information dimension of the target user meets the second sub-determination condition corresponding to the historical order information dimension; in response to determining that the historical order information meets the second sub-determination condition, determining the historical order information dimension as the target dimension; and determining the insured information of the target order corresponding to the target user according to the portrait information of the target dimension includes: determining the insured information according to the historical order information.

6. The method according to claim 5, wherein, the second sub-determination condition includes high-insured orders with an insured amount greater than the preset insured amount threshold in the historical orders, and high-rate orders with an insured rate greater than the preset rate threshold in the historical orders; and determining the insured information according to the historical order information includes: in response to determining that there are high-insured orders with an insured amount greater than the preset insured amount threshold in the historical order information, determining the insured amount corresponding to the high-insured order as the insured information; in response to determining that there are high-rate orders with an insured rate greater than the preset rate threshold in the historical order information, determining the insured information based on the insured setting operation of the target user.

7. The method according to claim 5, wherein, determining the portrait information of the target dimension with the highest priority that meets the preset determination conditions from the multi-dimensional portrait information includes: in response to determining that the historical order information does not meet the second sub-determination condition, determining whether the historical complaint information within the second preset time period of the historical complaint information dimension of the target user includes complaint information regarding claim settlement information; in response to determining that the historical complaint information includes complaint information regarding claim settlement information, determining the historical complaint information dimension as the target dimension; and determining the insured information of the target order corresponding to the target user according to the portrait information of the target dimension includes: determining the insured information according to the historical complaint information.

8. The method according to any one of claims 1-7, wherein, further comprising: in response to receiving the claim settlement operation of the target order for setting the insured information by the target user, completing the claim settlement process triggered by the claim settlement operation within a preset duration.

9. The method according to claim 8, wherein, completing the claim settlement process triggered by the claim settlement operation within a preset duration includes: sending the claim settlement information corresponding to the claim settlement operation to the target processing object corresponding to the area to which the target order belongs; Determine the claim amount corresponding to the claim operation based on the processing operation of the claim information by the target processing object; Based on the claim amount, complete the payment operation in the claim process, where the entire processing duration corresponding to the claim process is less than the preset duration.

10. The method according to claim 9, wherein, The determining the claim amount corresponding to the claim operation based on the processing operation of the claim information by the target processing object includes: In response to determining that the target processing object claims the claim information, complete the loss assessment operation corresponding to the claim information within the first preset sub-duration, and determine the claim amount based on the loss assessment operation; In response to determining that the target processing object claims the claim information, if the loss assessment operation is not completed within the second preset sub-duration, resend the claim information to the target processing object and send it to a high-level processing object with a higher level attribute than the target processing object to determine the claim amount, where the second preset sub-duration is greater than the first preset sub-duration; In response to determining that the target processing object claims the claim information, if the loss assessment operation is not completed within the third preset sub-duration, determine the insured value information as the claim amount, where the third preset sub-duration is greater than the second preset sub-duration.

11. The method according to claim 9, wherein, The completing the payment operation in the claim process based on the claim amount includes: In response to determining that the claim amount is less than the preset claim amount threshold, or the claim amount is not less than the preset claim amount threshold and the claim amount is less than the actual insured value amount, complete the payment operation corresponding to the claim operation within the fourth preset sub-duration, where the actual insured value amount represents the partial insured value amount corresponding to the actually damaged items in the target order in the insured value information; In response to determining that the claim amount is not less than the actual insured value amount, complete the payment operation corresponding to the claim operation within the fifth preset sub-duration.

12. A device for recommending insured value information based on user portraits, including: A first determining unit configured to determine multi-dimensional portrait information of a target user, where the multi-dimensional portrait information has a preset priority; A second determining unit configured to determine, from the multi-dimensional portrait information, the portrait information of the target dimension that meets the preset determination condition and has the highest priority; A third determining unit configured to determine the insured value information of the target order corresponding to the target user according to the portrait information of the target dimension; A recommending unit configured to recommend the insured value information to the target user.

13. A computer-readable medium having a computer program stored thereon, wherein, The program, when executed by a processor, implements the method according to any one of claims 1-11.

14. An electronic device, including: One or more processors; A storage device having one or more programs stored thereon, When the one or more programs are executed by the one or more processors, the one or more processors implement the method according to any one of claims 1-11.

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