Insurance data analysis method and system based on family finance
CN120430875AInactive Publication Date: 2025-08-05GUANGZHOU XINLIN QILU ENTERTAINMENT CULTURE MEDIA CO LTD
Patent Information
- Application Number
- CN202510480132.7
- Authority / Receiving Office
- CN · China
- Patent Type
- Applications(China)
- Current Assignee / Owner
- Filing Date
- 2025-04-17
- Publication Date
- 2025-08-05
- Estimated Expiration
- Not applicable · inactive patent
AI Technical Summary
Technical Problem
Traditional insurance data analysis methods cannot accurately reflect the financial stability and family responsibilities of individual users, resulting in mismatch between insurance products and user needs, affecting user experience and sense of trust.
Method used
Insurance data analysis method based on household finance, by evaluating the stability of users' net income, economic level, financial risk and family liability types, insurance recommendations are dynamically adjusted to match users' specific needs.
Benefits of technology
It achieves the precise matching of insurance products and user needs, optimizes the degree of protection and cost-effectiveness, and provides insurance solutions that are more in line with users' actual needs.
✦ Generated by Eureka AI based on patent content.
Smart Images
Figure CN120430875A_ABST
Abstract
The invention relates to the technical field of insurance analysis, in particular to an insurance data analysis method and system based on family finance, and the method comprises the following steps: extracting monthly income data and monthly expenditure data of a user based on user investigation and survey information, evaluating the stability of net income of the user according to the change of monthly income and monthly expenditure within a period of time, and analyzing the net income of the user. And evaluating the economic level of the user by combining the cash assets and the fixed assets of the user to obtain an economic condition analysis result of the user. According to the method, economic level evaluation is performed by analyzing the economic condition of the user, combining the evaluation of the family financial target and the responsibility type and combining the asset scale, so that the insurance product can be matched with the user demand, the financial risk is accurately evaluated by comparing the financial target with the existing assets, and an insurance solution better meeting the actual demand of the user is provided; various economic factors and family responsibilities can be considered more comprehensively, and it is ensured that recommended insurance products are optimized in the aspects of guarantee degree and cost effectiveness.
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Citation Information
Cited By
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