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WO2018166302A1 - Procédé et dispositif d'affichage d'une trajectoire d'assurance - Google Patents

Procédé et dispositif d'affichage d'une trajectoire d'assurance Download PDF

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Publication number
WO2018166302A1
WO2018166302A1 PCT/CN2018/074862 CN2018074862W WO2018166302A1 WO 2018166302 A1 WO2018166302 A1 WO 2018166302A1 CN 2018074862 W CN2018074862 W CN 2018074862W WO 2018166302 A1 WO2018166302 A1 WO 2018166302A1
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WIPO (PCT)
Prior art keywords
policy information
policy
insurance
information
branches
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Ceased
Application number
PCT/CN2018/074862
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English (en)
Chinese (zh)
Inventor
王海平
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Ping An Technology Shenzhen Co Ltd
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Ping An Technology Shenzhen Co Ltd
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Ping An Technology Shenzhen Co Ltd filed Critical Ping An Technology Shenzhen Co Ltd
Publication of WO2018166302A1 publication Critical patent/WO2018166302A1/fr
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

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    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/08—Insurance

Definitions

  • the present application relates to the field of financial services, and in particular, to a method and apparatus for displaying insurance trajectories.
  • 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.
  • a method for displaying a insurance track including:
  • 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 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.
  • FIG. 1 is a flow chart of an embodiment of a method for displaying a insurance track according to an embodiment of the present application
  • FIG. 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;
  • FIG. 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
  • FIG. 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.
  • FIG. 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.
  • FIG. 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.
  • 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.
  • an embodiment of a method for displaying a insurance track in an embodiment of the present application includes:
  • 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:
  • 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.
  • 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.
  • the same type of policy information exists between these policies.
  • the policy information needs to be classified first.
  • 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.
  • 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.
  • 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:
  • 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.
  • 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.
  • the recommendation algorithm there are recommendation methods such as content-based recommendation, collaborative filtering recommendation, rule-based recommendation, etc.
  • 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:
  • 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.
  • 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.
  • 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;
  • the reasonable setting of the “preset filter condition” in the rule 2 can be used to meet the personalized needs of different user groups.
  • 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:
  • step 502 Detects whether there is renewed policy information on each branch, and if yes, perform step 502, and if not, continue to detect;
  • the renewal policy information is policy information of the first policy
  • 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.
  • 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.
  • the foregoing step 402 may include:
  • the medical claim policy information is policy information of the second policy
  • the second policy is a claimable policy that the medical information of the target user meets the claim condition agreed upon on the policy.
  • the policy information carrying the second policy may be determined as the key policy information, thereby
  • 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.
  • the user 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.
  • 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.
  • the policy information of the second policy is the medical claim policy information.
  • 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.
  • first setting mode and the second setting mode may be used separately or in combination, and are not limited in this embodiment.
  • the first setting mode and the second setting mode are only two examples of preset filtering condition settings.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • branches 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.
  • 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.
  • the "key branching” when 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”. .
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.

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  • Engineering & Computer Science (AREA)
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Abstract

Un mode de réalisation de la présente invention concerne un procédé d'affichage d'une trajectoire d'assurance, qui est utilisé afin de résoudre le problème de présentation visuelle d'une trajectoire d'assurance pour un utilisateur. Le procédé du mode de réalisation de la présente invention consiste : à obtenir des informations pertinentes à une police d'assurance achetée par un utilisateur cible et à générer un tronc et une branche d'un arbre de trajectoire d'assurance en fonction des informations de police; à filtrer les informations de police selon une règle de filtrage prédéfinie et à générer une feuille de présentation sur la branche de l'arbre de trajectoire d'assurance en fonction d'informations de police essentielles qui sont filtrées, la feuille de présentation étant utilisée pour afficher les informations de police essentielles. Un mode de réalisation de la présente invention concerne en outre un dispositif d'affichage d'une trajectoire d'assurance.
PCT/CN2018/074862 2017-03-14 2018-01-31 Procédé et dispositif d'affichage d'une trajectoire d'assurance Ceased WO2018166302A1 (fr)

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Application Number Priority Date Filing Date Title
CN201710149772.5 2017-03-14
CN201710149772.5A CN107689005B (zh) 2017-03-14 2017-03-14 一种保险轨迹的展示方法和装置

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CN108399574B (zh) * 2018-02-28 2021-09-28 泰康保险集团股份有限公司 理赔数据获取方法、对接理赔子系统、介质及电子设备
CN109670967A (zh) * 2018-09-26 2019-04-23 深圳壹账通智能科技有限公司 保险业务处理方法、装置、终端设备及存储介质
CN109614543B (zh) * 2018-10-23 2023-11-21 中国平安财产保险股份有限公司 利用大数据推广农险业务的方法、装置和计算机设备
CN109584088B (zh) * 2018-11-15 2023-08-11 创新先进技术有限公司 产品信息的推送方法及装置
CN111309749B (zh) * 2020-03-12 2023-09-12 泰康保险集团股份有限公司 一种保单信息的处理方法及装置、设备、介质
CN112348688B (zh) * 2020-11-26 2021-12-17 德联易控科技(北京)有限公司 车险风控分析方法、装置、终端设备及存储介质

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TW200424906A (en) * 2003-05-08 2004-11-16 I-Hung Tsai An insurance report sorting method
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US20160253759A1 (en) * 2015-02-27 2016-09-01 Masttro Holding Ag Computerized system and method of navigating data with tree structure visualization using segmented access rights

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