1 results about "Risk class" patented technology

The application relates to an insurance product intelligent matching and dynamic optimization recommendation method and system, which comprises the following steps: constructing a user panoramic portrait by integrating user static attributes, existing insurance policies and dynamic life cycle data; calculating the current guarantee value of each risk category based on the existing insurance policies in the portrait, calling a predefined risk model to generate a guarantee gap in combination with dynamic data; simultaneously, analyzing insurance product clauses by using natural language processing to form structured feature data and build a product knowledge graph; according to the guarantee gap, the user static attributes and the knowledge graph, calculating the matching score of candidate products by a multi-objective matching algorithm to generate a ranked recommendation list; collecting user interaction behavior data, dynamically adjusting the matching algorithm weight and feeding back optimization. The application realizes personalized intelligent matching and dynamic optimization of insurance products, and improves the recommendation accuracy and user satisfaction through data driving and real-time feedback.