基于多源数据的保险方案生成方法、装置、设备、介质
By acquiring and analyzing multi-source, multi-modal data, ternary features are generated for risk prediction, solving the problem of data silos and enabling timely and accurate recommendations of insurance products and health and wellness solutions, thus improving the efficiency and accuracy of recommendations.
Patent Information
- Authority / Receiving Office
- CN · China
- Patent Type
- Applications(China)
- Current Assignee / Owner
- CHINA PING AN LIFE INSURANCE CO LTD
- Filing Date
- 2026-06-11
- Publication Date
- 2026-07-17
AI Technical Summary
In fintech and healthcare scenarios, the lack of standardized interfaces for multi-source data leads to data silos, preventing insurance companies from obtaining user information in a timely manner. This results in discrepancies between insurance product recommendations and health and wellness solutions and user needs, failing to meet user requirements.
By acquiring multi-source, multi-modal data, including medical imaging data, intelligent consultation text, and health monitoring data, feature extraction is performed to generate ternary features, risk prediction is conducted, and intelligent recommendation solutions are generated, including insurance product recommendations and health and wellness solutions.
It enables timely understanding of users' current health status, allowing for accurate recommendations of supplementary insurance and wellness plans, thus improving the efficiency and accuracy of insurance product recommendations and wellness plan generation.
Smart Images
Figure CN122417263A_ABST