WO2018166302A1 - Display method and device for insurance trajectory - Google Patents

Abstract

Disclosed in an embodiment of the present invention is display method for an insurance trajectory, which is used to solve the problem of how to visually present an insurance trajectory to a user. The method of the embodiment of the present invention comprises: obtaining relevant policy information which is purchased by a target user and generating a trunk and branch of an insurance trajectory tree according to the policy information; filtering the policy information according to a preset filtering rule and generating a presentation leaf on the branch of the insurance trajectory tree according to key policy information which is filtered out, the presentation leaf being used for displaying the key policy information. Further provided in an embodiment of the present application is a display device for an insurance trajectory.

Description

Method and device for displaying insurance track

The present application claims priority to the Chinese Patent Application No. 201710149772.5, entitled "A Display Method and Apparatus for a Insurance Track", which is incorporated by reference in its entirety. In this application.

Technical field

The present application relates to the field of financial services, and in particular, to a method and apparatus for displaying insurance trajectories.

Background technique

In China, more and more users are responding to various risks by purchasing insurance. The insurance business has become one of the must-have products that every family in China needs to pay attention to and consider.

Because different types of insurance often target different types of risks, such as auto insurance, life insurance, and critical illness insurance, a user often purchases multiple insurances to improve their ability to cope with various types of risks. And an insurance is often accompanied by multiple additional risks, plus the life history of each insurance is different, there are 5, 10, 20 or even life insurance periods, and the life history of each insurance is constantly changing. For this reason, when a user purchases multiple insurances, it is often difficult for users to have a clear understanding of the insurances they own and the relationships between them.

For this reason, it is an urgent problem for those skilled in the art to find a display method that can visually display the insurance trajectory to the user, so that the user has a clear understanding of each insurance owned by the user and the relationship between them.

technical problem

The embodiment of the present application provides a method and a device for displaying an insurance trajectory, which can visually display an insurance trajectory for a user through a trunk, a branch, and a display leaf of the insurance trajectory tree, and guide the user to focus on the key insurance information on the display leaf, so that the user is focused on the key insurance information on the display leaf. The display of insurance information is clear and distinct, improving the user experience.

Technical solution

In a first aspect, a method for displaying a insurance track is provided, including:

Obtaining related policy information purchased by the target user, and generating a trunk and a branch of the insurance track tree according to the policy information;

The policy information is filtered according to the preset screening rule, and the display leaf is generated on the branch of the insurance track tree according to the selected key policy information, and the display leaf is used to display the key policy information.

Beneficial effect

In the embodiment of the present application, first, acquiring relevant policy information purchased by the target user, and generating a trunk and a branch of the insurance track tree according to the policy information; and then screening the policy information according to a preset screening rule. And generating display leaves on the branches of the insurance track tree according to the selected key policy information, wherein the display leaves are used to display the key policy information. In the embodiment of the present application, the insurance trajectory is visually displayed for the user through the backbone, branches and display leaves of the insurance track tree, so that the user has a clear understanding of each insurance owned by the user and the relationship between them; and, insurance The display of the key policy information on the display leaf on the trajectory tree can guide the user to focus on the key insurance information, so that the display of the insurance information is clear and distinct, and the user experience is improved.

DRAWINGS

1 is a flow chart of an embodiment of a method for displaying a insurance track according to an embodiment of the present application;

2 is a schematic flowchart of constructing an insurance trajectory tree according to a method for displaying an insurance trajectory according to an embodiment of the present application;

FIG. 3 is a schematic flowchart of a step 102 of using a screening rule in a method for displaying a insurance track according to an embodiment of the present application;

4 is a schematic flowchart of a method for displaying a safety trajectory in a method for displaying a safety trajectory in the embodiment of the present application;

FIG. 5 is a schematic flowchart of step 402 when a first setting mode is adopted in an application scenario according to an embodiment of the present invention;

FIG. 6 is a schematic flowchart of step 402 when a second setting mode is adopted in an application scenario according to an embodiment of the present invention;

7 is a structural diagram of a first embodiment of a display device for a safety track according to an embodiment of the present application;

8 is a structural diagram of a second embodiment of a display device for a safety track according to an embodiment of the present application;

9 is a structural diagram of a third embodiment of a display device for a safety track according to an embodiment of the present application;

FIG. 10 is a schematic diagram of an insurance track tree in an application scenario according to an embodiment of the present application.

Embodiments of the invention

The embodiment of the present application provides a method and apparatus for displaying a insurance track for solving the problem of how to visually display the insurance track to a user.

Referring to FIG. 1 , an embodiment of a method for displaying a insurance track in an embodiment of the present application includes:

101. Acquire relevant policy information purchased by the target user, and generate an insurance track tree trunk and branches according to the related policy information;

In this embodiment, the back-end system of the insurance company can obtain relevant policy information of each insurance of the target user, for example, the policy number, insurance type, purchase date, and insurance period of each policy. An insurance track tree and its branches can be produced according to the relevant policy information of the target user. Specifically, as shown in FIG. 2, the target user's insurance track tree trunk and branches can be generated by the following steps:

201. Obtain policy information of each policy of the target user, and if there is policy information, generate a trunk of the insurance track tree;

Generally, the policy information may include information such as the policy number of the policy, the type of insurance, the date of purchase, the duration of the insurance, and the like, and may also include information such as the insurance amount of the policy, the current remaining claims amount, the premium paid, and the remaining unpaid premium. In this embodiment, the policy information of the target user is the basic data for constructing the insurance track tree. If the relevant policy information of the target user is queried through the back-end system of the insurance company, it indicates that the target user has purchased the insurance, and needs to display the information of the insurance purchased by the target user. Therefore, after acquiring the relevant policy information of the target user, the embodiment generates a trunk of the insurance track tree. For example, FIG. 10 shows a safety trajectory tree, and the portion of the word "safety trajectory tree" is the trunk. In this embodiment, the trunk can be generated as long as the target user purchases insurance.

202. Perform classification processing on the obtained policy information according to a preset classification rule, and generate corresponding branches on a trunk of the insurance track tree according to the classification of the policy.

Usually, since a target user may have multiple policies at the same time, the same type of policy information exists between these policies. In order to enable the generated insurance track tree to display the information of the insurance purchased by the user in a more readable manner during the presentation, the policy information needs to be classified first.

It should be noted that, since the insurance in the same category may also include different sub-categories, after the branch of the insurance trajectory tree trunk is generated, the embodiment may also be subdivided according to different policies of the same category. Category, which again generates subdivided branches on the generated branches. For example, in FIG. 10, if the target user has purchased two life insurance policies, and the corresponding policies are respectively a critical illness insurance policy and a pension insurance policy. After the branch of "life insurance" is generated on the trunk "insurance track tree", the "heavy disease" branch and the "ageage" branch can continue to be generated on the generated "life insurance" branch.

102. Filter the policy information according to a preset screening rule, and generate a display leaf on the branch of the insurance track tree according to the selected key policy information, where the display leaf is used to display the key policy. information.

In this embodiment, in order to improve the readability of the policy information when the insurance track tree displays the policy information, and to improve the readability of the policy information, the key policy information can be selected from all the policy information of the insurance track tree. Therefore, according to the key policy information, the display leaf is displayed on the corresponding branch of the insurance track tree to display the policy information of these priorities, so that the user can read.

Further, in the aspect of screening key policy information, the present embodiment can mainly adopt the following two screening rules for screening:

Filtering Rule 1: When the screening rule is adopted, as shown in FIG. 3, the above step 102 may include:

301. Obtain historical operation data of the policy information by the target user.

302. Perform similarity calculation on the historical operation data to obtain operation habit data of the target user.

303. Use a recommendation algorithm to filter out key policy information from the policy information according to the operating habit data.

For the above step 301, the historical operation data may include operation data such as the number of times, the duration, and the click order of the target user to obtain each policy information. It can be understood that these historical operation data imply the operation habits of the target users for each policy information, and the operation habits can largely reflect the degree of interest of the target users to the policy information. The more the policy information that the user is interested in, the higher the frequency of use or access by the user; conversely, the more the policy information that the user is not interested in, the lower the frequency of use or review.

For the above steps 302 and 303, the historical operation data is subjected to data mining and analysis and aggregation by the similarity algorithm, and then the recommendation policy is used to select the key policy information from each policy information according to the manipulation habit data calculated by the similarity degree. It can be understood that in the recommendation algorithm, there are recommendation methods such as content-based recommendation, collaborative filtering recommendation, rule-based recommendation, etc. In the actual use process, one or more recommended meals can be selected according to needs. Screening, this embodiment does not describe it.

Filtering rule 2: When the screening rule 2 is adopted, as shown in FIG. 4, the above step 102 may include:

401. Obtain policy information on each branch of the insurance track tree.

402. Detect whether there is policy information that meets a preset screening condition on each branch, and if yes, perform step 403, and if not, continue to detect;

403. Determine policy information that meets the preset screening condition on the branch as the key policy information.

For the above step 401, it can be understood that each branch on the insurance track tree is composed of the classified policy information, and thus each branch carries the policy information of the corresponding category.

For the above steps 402 and 403, in the screening rule 2, each branch on the insurance track tree is detected, the policy information satisfying the preset screening condition on each branch is detected, and the policy information satisfying the condition is determined as the key point. Policy information. It can be seen that for the insurance company or the user, the information push of the display leaf on the insurance track tree has its own special requirements. For example, the insurance company hopes that when the insurance track tree is displayed, the policy information that needs to be paid will be displayed to the target user in the form of display leaf as much as possible, so as to remind the target user to pay the fee in time to reduce the insurance company's call for payment; For the user, it may be desirable to display the policy information of the claimable claim in the form of a display leaf as much as possible when displaying the insurance track tree, thereby preventing the user from missing the validity period of the application claim. It can be seen that, in this embodiment, the reasonable setting of the “preset filter condition” in the rule 2 can be used to meet the personalized needs of different user groups.

For the above step 402, when setting the preset screening conditions for the "renewal" reminder and the "claim" reminder, the following two setting modes can be adopted.

The first setting mode: as shown in FIG. 5, when the first setting mode is adopted, the foregoing step 402 may include:

501. Detect whether there is renewed policy information on each branch, and if yes, perform step 502, and if not, continue to detect;

502. Determine the renewal policy information as policy information that meets a preset screening condition.

For the above step 501, the renewal policy information is policy information of the first policy, and the first policy is a policy that requires insurance renewal payment and the payment remaining period is less than a preset time threshold. It can be understood that when there is a policy in the policy of the target user that needs to be renewed for insurance, and the remaining period of the payment of the policy is less than the preset time threshold, in order to remind the target user of the “renewal”, the first The policy information of a policy is determined as the key policy information, so that when the insurance track tree is displayed, the policy information of the first policy is displayed to the user in the form of display leaves.

For the above step 502, the renewal policy information is first determined as the policy information satisfying the preset screening condition, and then the renewal policy information is determined as the key policy information through the above step 403.

The second setting mode is as shown in FIG. 6. When the second setting mode is adopted, the foregoing step 402 may include:

601. Detect whether there is medical claim policy information on each branch, and if yes, execute step 602, and if not, continue to detect;

602. Determine the medical claim policy information as policy information that meets a preset screening condition.

For the above step 601, the medical claim policy information is policy information of the second policy, and the second policy is a claimable policy that the medical information of the target user meets the claim condition agreed upon on the policy. It can be understood that when there is a policy in the target user's policy that can apply for medical claims, in order to achieve the effect of “claim” the target user, the policy information carrying the second policy may be determined as the key policy information, thereby When the insurance track tree is displayed, the policy information of the second policy is presented to the user in the form of an display leaf. The medical information of the target user can be obtained by the system automatically docking the health care system of the hospital. For example, when a user visits a hospital A, the user enters relevant personal information, including an identity card number, a personal photo, a medical insurance card number, etc., on the health care system of the hospital A, and the health care system sends the personal information and related medical information. To the insurance company's system; the insurance company's system detects whether the corresponding user has purchased medical insurance based on the personal information, and if the user purchases medical insurance and the user's medical information meets the claim conditions stipulated on the policy, the corresponding policy It is a claimable policy, that is, a second policy. Thus, the policy information of the second policy is the medical claim policy information.

For the above step 602, the medical claim policy information is first determined as the policy information satisfying the preset screening condition, and then the medical claim policy information is determined as the key policy information through the above step 403.

It should be noted that the foregoing first setting mode and the second setting mode may be used separately or in combination, and are not limited in this embodiment.

In this embodiment, the first setting mode and the second setting mode are only two examples of preset filtering condition settings. In the actual application process, time periods, specific branches, specific user groups, and And preset screening conditions such as specific regions, so that the required policy information on the insurance track tree can be determined as the key policy information, and the screening policy information is displayed as the display leaf of the insurance track tree. It can be understood that, according to the needs of different insurance companies or different target users, different preset filter condition setting manners can be customized, and on the other hand, the optimal policy information can be reasonably displayed from the perspective of user experience; In addition, it is able to flexibly control special policy information, improve customer experience, and conduct effective management.

In addition, it should be noted that, for the above-mentioned screening rule 1 and screening rule 2, when filtering the key policy information of an insurance track tree, the screening rule 1 or the screening rule 2 may be separately adopted, or the screening rule 1 and the screening may be simultaneously adopted. Rule 2, this embodiment is not limited.

103. Display the insurance track tree on a display device.

In this embodiment, while displaying the insurance track tree of the target user on the display device, the display leaf on the display user may also be displayed to the user, especially when the user has too much policy information, the display leaf may be generated by filtering the key policy information. In the form of display leaves, the user is guided to focus on the policy information on the display leaf, so that the display of the policy information is clear and the user experience is improved.

To this end, further, the embodiment may further determine whether the number of branches of the insurance track tree is greater than a preset threshold, and if not, display the complete insurance track tree and all points on the display device. Branches, if so, filter the branches on the insurance track tree. When displaying the insurance track tree, only the selected key branches are displayed. It can be understood that if the number of branches on the insurance track tree does not exceed a preset threshold, it can be considered that the branch of the insurance track tree is not many, and a general user can view all the branches on the insurance track tree. It is not messy, so it is not necessary to filter out the key branches, and directly display the complete insurance track tree and all branches; on the contrary, it can be considered that there are too many branches on the insurance track tree, for the average user, if the display is complete The insurance track tree and all the branches, instead of hindering the user's access to the branches, need to select the key branches from the insurance track tree for prominent display.

It can be understood that when highlighting the key branches on the insurance track tree, if the user wishes to view other branches that are not displayed, the branch selection can also be performed on the insurance track tree by a mouse click operation, etc., after selection. Branches will be displayed accordingly, while other branches will be blurred or hidden directly according to the preset method.

In this embodiment, the manner of highlighting the branches may include intensifying the display of "key branches" or weakening the display of "other branches", both of which can achieve the effect of highlighting the key branches. For example, when the "key branching" is displayed intensively, the "focus branching" can be highlighted and emphasized by adjusting the line bolding and filling effects, and when the weakening shows "other branches", The branches other than the key branches are atomized, set lower transparency, hidden, etc., and the display effect is weakened, so that these "other branches" are more difficult to attract the attention of the user than the "focus branches". .

For the above step 103, regarding displaying the insurance track tree on the display device, when the target user logs into the insurance company's system, if the user is not satisfied with the currently displayed insurance track tree style, the user can be customized, by selecting the insurance track tree. Various colors such as color, shape, animation, alarm clock, etc. of each "branch" and "display leaf"; in addition, if the user is not satisfied with the existing color or animation provided by the system, they can also upload a customized picture or animation. The design and modification of the insurance trajectory tree greatly enhances the plasticity of the insurance trajectory tree and enhances the user experience.

In this embodiment, first, an insurance trajectory tree of a target user is obtained, where the insurance trajectory tree is a structural tree formed by a tree structure through related insurance policy information of each target user; and then, according to a preset screening rule Filtering the nodes on the insurance track tree to obtain a priority display node; finally, displaying the insurance track tree on the display device while highlighting the priority display node on the insurance track tree. In this embodiment, the insurance trajectory tree is used to visually display the insurance trajectory for the user, so that the user has a clear understanding of each insurance owned by the user and the relationship between them; and, the nodes selected on the insurance trajectory tree are It is highlighted that when there are many nodes, the user is guided to focus on the policy information on the priority display node, so that the display of the policy information is clear and the user experience is improved.

FIG. 7 is a structural diagram showing a first embodiment of a display device for a safety trajectory in the embodiment of the present application.

As shown in FIG. 7, a display device for a safety track includes:

The tree trunking generating module 701 is configured to acquire related policy information purchased by the target user, and generate a trunk and a branch of the insurance track tree according to the policy information;

The leaf generating module 702 is configured to filter the policy information according to a preset screening rule, and generate a display leaf on the branch of the insurance track tree according to the selected key policy information, where the display leaf is used for The key policy information is displayed.

FIG. 8 is a structural diagram showing a second embodiment of a display device for a safety track in the embodiment of the present application.

As shown in FIG. 8 , the display device of the insurance track may further include:

The branch number determining module 703 is configured to determine whether the number of branches of the insurance track tree is greater than a preset threshold;

The complete display module 704 is configured to display the complete insurance track tree and all branches on the display device if the determination result of the branch number determining module 703 is negative;

The triggering module 705 is configured to trigger the leaf generating module 702 if the determination result of the branch number determining module 703 is YES.

Further, the leaf generation module 702 can include:

The historical operation data obtaining unit 7021 is configured to acquire historical operation data of the policy information by the target user;

The similarity calculation unit 7022 is configured to perform similarity calculation on the historical operation data to obtain operation habit data of the target user.

The recommendation screening unit 7023 is configured to filter out the key policy information from the policy information according to the operation habit data by using a recommendation algorithm.

Further, the leaf generation module 702 can include:

The branch information obtaining unit 7024 is configured to acquire policy information on each branch on the insurance track tree.

The branch information detecting unit 7025 is configured to detect whether there is policy information on the respective branches that meets a preset screening condition;

The key information determining unit 7026 is configured to determine the policy information that meets the preset screening condition on the branch as the key policy information if the policy information that meets the preset screening condition exists on each of the branches.

Further, the branch information detecting unit 7025 may include:

The first detecting sub-unit 251 is configured to detect whether there is renewed policy information on the respective branches, where the renewed policy information is policy information of the first policy, and the first policy is that the insurance renewal payment is required a policy in which the remaining period of payment is less than the preset time threshold;

The first determining sub-unit 252 is configured to: if the detection result of the first detecting sub-unit 251 is yes, determine that the renewal policy information is policy information that meets a preset screening condition; and/or

a second detecting sub-unit 253, configured to detect whether there is medical claim policy information on the respective branches, the medical claim policy information is policy information of the second policy, and the second policy is medical information of the target user A solvable policy that satisfies the conditions of the claims as agreed on the policy;

The second determining sub-unit 254 is configured to determine, if the detection result of the second detecting sub-unit 253 is YES, the medical claim policy information as policy information that meets a preset screening condition.

FIG. 9 is a structural diagram showing a third embodiment of a display device for a safety track in the embodiment of the present application.

As shown in FIG. 9, the branch dry generation module 701 may further include:

a backbone generating unit 7011, configured to acquire policy information of each policy of the target user, and if there is policy information, generate a trunk of the insurance track tree;

The branch generating unit 7012 is configured to perform classification processing on the obtained policy information according to a preset classification rule, and generate corresponding branches on the trunk of the insurance track tree according to the classification of the policy.

The above embodiments are only used to explain the technical solutions of the present application, and are not limited thereto; although the present application has been described in detail with reference to the foregoing embodiments, those skilled in the art should understand that they can still The technical solutions described in the embodiments are modified, or the equivalents of the technical features are replaced by the equivalents. The modifications and substitutions of the embodiments do not depart from the spirit and scope of the technical solutions of the embodiments of the present application.

Claims (20)

A method for displaying a insurance track, comprising: Obtaining related policy information purchased by the target user, and generating a trunk and a branch of the insurance track tree according to the policy information; The policy information is filtered according to the preset screening rule, and the display leaf is generated on the branch of the insurance track tree according to the selected key policy information, and the display leaf is used to display the key policy information. The method for displaying the insurance track according to claim 1, further comprising: before filtering the policy information according to a preset screening rule, further comprising: Determining whether the number of branches of the insurance track tree is greater than a preset threshold; If the number of branches of the insurance track tree is less than or equal to a preset threshold, displaying the complete insurance track tree and all branches on the display device; If the number of branches of the insurance track tree is greater than a preset threshold, performing the step of screening the policy information according to a preset screening rule. The method for displaying the insurance track according to claim 1, wherein the screening the policy information according to a preset screening rule comprises: Obtaining historical operation data of the policy information by the target user; Performing similarity calculation on the historical operation data to obtain operation habit data of the target user; The key policy information is filtered out from the policy information according to the operating habit data by using a recommendation algorithm. The method for displaying the insurance track according to claim 1, wherein the screening the policy information according to a preset screening rule comprises: Obtaining policy information on each branch of the insurance track tree; Detecting, on the respective branches, whether there is policy information that meets a preset screening condition; If the policy information that meets the preset screening condition exists on each of the branches, the policy information that satisfies the preset screening condition on the branch is determined as the key policy information. The method for displaying insurance trajectories according to claim 4, wherein the detecting the policy information on the respective branches that meets the preset screening condition comprises: Detecting whether there is renewed policy information on the respective branches, where the renewed policy information is policy information of the first policy, and the first policy is that the renewed payment is required and the remaining period of the payment is less than a preset time threshold. Policy If the renewal policy information exists, determining that the renewal policy information is policy information that meets a preset screening condition; and/or Detecting whether there is medical claim policy information on the respective branches, the medical claim policy information is policy information of the second policy, and the second policy is that the medical information of the target user meets the claim condition agreed on the policy Claims policy; If the medical claim policy information exists, the medical claim policy information is determined to be policy information that satisfies a preset screening condition. The method for displaying a insurance track according to any one of claims 1 to 5, wherein the acquiring relevant policy information purchased by a target user, and generating a trunk and a score of an insurance track tree according to the policy information Branches include: Obtaining policy information of each policy of the target user, and if there is policy information, generating a trunk of the insurance track tree; The obtained policy information is classified according to a preset classification rule, and corresponding branches are generated on the trunk of the insurance track tree according to the classification of the policy. A display device for a safety track, comprising: a tree trunking generating module, configured to acquire related policy information purchased by a target user, and generate a trunk and a branch of the insurance track tree according to the policy information; a leaf generating module, configured to filter the policy information according to a preset screening rule, and generate a display leaf on the branch of the insurance track tree according to the selected key policy information, where the display leaf is used for displaying The key policy information. The display device of the insurance track according to claim 7, wherein the leaf generation module comprises: a historical operation data obtaining unit, configured to acquire historical operation data of the policy information by the target user; a similarity calculation unit, configured to perform similarity calculation on the historical operation data, to obtain operation habit data of the target user; The recommendation screening unit is configured to filter out the key policy information from the policy information according to the operation habit data by using a recommendation algorithm. The display device of the insurance track according to claim 7, wherein the leaf generation module comprises: a branch information obtaining unit, configured to acquire policy information on each branch of the insurance track tree; The branch information detecting unit is configured to detect whether there is policy information on the respective branches that meets a preset screening condition; The key information determining unit is configured to determine the policy information that meets the preset screening condition on the branch as the key policy information if the policy information that meets the preset screening condition exists on each of the branches. The display device of the insurance track according to claim 9, wherein the branch information detecting unit comprises: a first detecting subunit, configured to detect whether there is renewed policy information on the respective branches, where the renewed policy information is policy information of the first policy, and the first policy is required to renew insurance payment and pay A policy with a remaining period less than the preset time threshold; a first determining subunit, configured to: if the detection result of the first detecting subunit is YES, determine that the renewal policy information is policy information that meets a preset screening condition; and/or a second detecting subunit, configured to detect whether there is medical claim policy information on the respective branches, the medical claim policy information is policy information of the second policy, and the second policy is that the medical information of the target user is satisfied A claimable policy for the conditions of claim as agreed on the policy; And a second determining subunit, configured to determine, if the detection result of the second detecting subunit is YES, the medical claim policy information as policy information that meets a preset screening condition. A terminal device, comprising: a memory, a processor, and computer readable instructions stored in the memory and executable on the processor, the processor executing the computer readable The following steps are implemented when the instruction is executed: Obtaining related policy information purchased by the target user, and generating a trunk and a branch of the insurance track tree according to the policy information; The policy information is filtered according to the preset screening rule, and the display leaf is generated on the branch of the insurance track tree according to the selected key policy information, and the display leaf is used to display the key policy information. The terminal device according to claim 11, wherein the processor further implements the following steps when the processor executes the computer readable instruction before filtering the policy information according to a preset screening rule. : Determining whether the number of branches of the insurance track tree is greater than a preset threshold; If the number of branches of the insurance track tree is less than or equal to a preset threshold, displaying the complete insurance track tree and all branches on the display device; If the number of branches of the insurance track tree is greater than a preset threshold, performing the step of screening the policy information according to a preset screening rule. The server according to claim 11, wherein the screening of the policy information according to a preset screening rule comprises: Obtaining historical operation data of the policy information by the target user; Performing similarity calculation on the historical operation data to obtain operation habit data of the target user; The key policy information is filtered out from the policy information according to the operating habit data by using a recommendation algorithm. The terminal device according to claim 11, wherein the screening the policy information according to a preset screening rule comprises: Obtaining policy information on each branch of the insurance track tree; Detecting, on the respective branches, whether there is policy information that meets a preset screening condition; If the policy information that meets the preset screening condition exists on each of the branches, the policy information that satisfies the preset screening condition on the branch is determined as the key policy information. The terminal device according to claim 14, wherein the detecting the policy information on the respective branches that meets the preset screening condition comprises: Detecting whether there is renewed policy information on the respective branches, where the renewed policy information is policy information of the first policy, and the first policy is that the renewed payment is required and the remaining period of the payment is less than a preset time threshold. Policy If the renewal policy information exists, determining that the renewal policy information is policy information that meets a preset screening condition; and/or Detecting whether there is medical claim policy information on the respective branches, the medical claim policy information is policy information of the second policy, and the second policy is that the medical information of the target user meets the claim condition agreed on the policy Claims policy; If the medical claim policy information exists, the medical claim policy information is determined to be policy information that satisfies a preset screening condition. A computer readable storage medium storing computer readable instructions, wherein the computer readable instructions, when executed by a processor, implement the following steps: Obtaining related policy information purchased by the target user, and generating a trunk and a branch of the insurance track tree according to the policy information; The policy information is filtered according to the preset screening rule, and the display leaf is generated on the branch of the insurance track tree according to the selected key policy information, and the display leaf is used to display the key policy information. The computer readable storage medium according to claim 16, wherein before the screening of the policy information according to a preset screening rule, the method further comprises: Determining whether the number of branches of the insurance track tree is greater than a preset threshold; If the number of branches of the insurance track tree is less than or equal to a preset threshold, displaying the complete insurance track tree and all branches on the display device; If the number of branches of the insurance track tree is greater than a preset threshold, performing the step of screening the policy information according to a preset screening rule. The computer readable storage medium according to claim 16, wherein the screening the policy information according to a preset screening rule comprises: Obtaining historical operation data of the policy information by the target user; Performing similarity calculation on the historical operation data to obtain operation habit data of the target user; The key policy information is filtered out from the policy information according to the operating habit data by using a recommendation algorithm. The computer readable storage medium according to claim 16, wherein the screening the policy information according to a preset screening rule comprises: Obtaining policy information on each branch of the insurance track tree; Detecting, on the respective branches, whether there is policy information that meets a preset screening condition; If the policy information that meets the preset screening condition exists on each of the branches, the policy information that satisfies the preset screening condition on the branch is determined as the key policy information. The computer readable storage medium according to claim 19, wherein the detecting, on the respective branches, whether there is policy information that meets a preset screening condition comprises: Detecting whether there is renewed policy information on the respective branches, where the renewed policy information is policy information of the first policy, and the first policy is that the renewed payment is required and the remaining period of the payment is less than a preset time threshold. Policy If the renewal policy information exists, determining that the renewal policy information is policy information that meets a preset screening condition; and/or Detecting whether there is medical claim policy information on the respective branches, the medical claim policy information is policy information of the second policy, and the second policy is that the medical information of the target user meets the claim condition agreed on the policy Claims policy; If the medical claim policy information exists, the medical claim policy information is determined to be policy information that satisfies a preset screening condition.